vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEBT OF ED XXXXXXXX XXXX XXXX XXXX XXXX Section807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEBT OF ED XXXXXXXX XXXX XXXX XXXX XXXX Section807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting the investigation and correction of the account XXXX XXXX XXXX XXXX XXXX XXXX which shows a balance owed of {$17000.00}. The information reported may be inaccurate or inconsistent with my records. Under the Fair Credit Reporting Act ( FCRA ), including 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), furnishers are required to investigate disputes and correct or remove inaccurate information. I request that this account be thoroughly reviewed and corrected to ensure that my credit report reflects accurate and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting the investigation and correction of the account XXXX XXXX XXXX XXXX XXXX XXXX which shows a balance owed of {$17000.00}. The information reported may be inaccurate or inconsistent with my records. Under the Fair Credit Reporting Act ( FCRA ), including 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), furnishers are required to investigate disputes and correct or remove inaccurate information. I request that this account be thoroughly reviewed and corrected to ensure that my credit report reflects accurate and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I received a notification from Chime that my debit card was declined. I hadn't even received it yet. It read that it must be activated. I called, chatted, recalled and was told a new card would be mailed with different numbers. They refuse to provide info so I could file police report. I was told no harm cause it was declined. On XX/XX/2025 at XXXX I noticed another decline notice, from same debit card. Indicating that I need to activate card. I'm livid. I again try chat and call. I'm told no harm cause the transaction didn't go through. My account is linked to my real bank. I want police reports. The card flagged or reissue a new one like I was told. Reports or something, but nothing. I am in awe how these crimes are ignored. I'm switching everything out of chime into a bank ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\XXXXDear Transunion Consumer ServicesXXXX  am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened\nin my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Despite consistent, dated outreach starting XX/XX/2025, PayPal has refused to provide a hardship option and has repeatedly directed me to " call collections. '' I have made XXXX ( XXXX ) good-faith payments ( documented ) to show my commitment, yet PayPal continues XXXX respond with canned replies, stonewall escalation requests, and has not provided a written hardship accommodation. PayPals portal representatives ( including XXXX, XXXX, XXXX, XXXX, XXXX and others ) have failed to escalate matters to legal or compliance, and their responses have been inconsistent and misleading ( including an erroneous " cease and desist '' claim while automated calls/texts continued ). 

This persistent silence and scripted responses amount to bad-faith treatment while I remain unemployed and in hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am notifying you of identity theft activity appearing on my Equifax file. My identity was used to open a XXXX XXXX account ( Account XXXX. XXXX, opened XXXX ) without my authorization. In addition, the following unauthorized inquiries are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no connection with these applications. Pursuant to the Fair Credit Reporting Act, Section 605B, I am requesting immediate blocking and permanent removal of this fraudulent information. To verify and support my claim, I am attaching my FTC Identity Theft Report, Social Security card, government-issued ID, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple serious inaccuracies on my credit report. These include incorrect addresses, charge-offs and collections that I do not recognize, falsely reported late payments, and unauthorized credit inquiries. These errors have caused me significant stress, potential financial harm, and misrepresentation of my credit history. I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at this location. This address is incorrectly linked to my credit report and could potentially be related to another individuals activity. Its inclusion is misleading and could be used incorrectly in any background check or credit evaluation. I demand its immediate removal Late Payment Accounts ( Incorrect Reporting ) : XXXX XXXXXXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX I have always made payments on time. Reporting a late payment is false and misrepresents my financial responsibility. This error can negatively affect my ability to secure credit, loans, or employment in the future. I request immediate correction of this account to reflect accurate payment history XXXX  XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX The reported late payment is inaccurate. I have never missed a payment on this account. This error undermines my credibility as a responsible borrower and must be corrected to ensure my credit history is accurate XXXX  XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX This account is also incorrectly reported as having late payments. I dispute this claim, as all payments were made timely. The false reporting could negatively impact my interest rates, loan approvals, and financial reputation. Immediate correction is required Unauthorized/Erroneous Inquiries : XXXX XX/XX/XXXX XXXX XXXX Entries ) XXXX  entries were unauthorized. I never applied for credit with these entities on the specified dates. Reporting these inquiries falsely diminishes my credit profile These inaccurate reports, false late payments, unverified collections, wrong addresses, and unauthorized inquiries have caused me distress, misrepresentation, and potential financial harm. I request CFPB intervention to ensure these items are corrected or removed promptly and that all reporting agencies comply with federal law Please confirm receipt of this complaint and provide updates regarding the investigation and resolution of these issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally object to tradelines representing accounts I did not establish. Please perform a rigorous review and expunge them. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX PA XXXX\nExperian XXXX XXXX XXXX  TX XXXX\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CT

Complaint narrative:
it first started when I tried to send through Cash app {$11.00} and you have to put a note and I put an emoji that I thought was the XXXX XXXX XXXX but I guess it was a XXXX  XXXX  so they flagged my account over XXXX months ago because this was XX/XX/XXXX. I was still able to send money. I just thought that that was getting looked over for some reason and cash app. You can not speak to a manager. You have to wait through email, Then I got {$46.00} sent to me. and when I tried to put it in my account and locked the money in my account, which that was for my phone bill, call them again now theyre saying my whole account is locked. They have not given me a reason why Im a XXXX XXXX Im not even XXXX. I am XXXX XXXX. It was a mistake with emoji they have yet to even reach back to me through email on this case I called Monday because its already been about over 10 days and when I spoke with them on Monday, they said within XXXX hours somebody would get back to me. No one has to reach out to me. I am XXXX. I already told him I can show the proof show them documents. I cant afford to for them to keep taking my money. I dont have money for them to be holding. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc.
State: DE

Complaint narrative:
On XX/XX/year>, my Novo debit card was unexpectedly declined. Initially, I assumed this was due to exceeding my spending limit. When I contacted Novo support, I was told that my account was under review by their accounts team and that I would receive an update within XXXX hours. As of XX/XX/year>, I have still not received any update. I have contacted Novo support daily for clarification, but every time I am told the same thing : that they can not provide a timeline and that if the accounts team requires anything, they will email me. I have received no communication from Novo beyond these generic responses. This lack of transparency and continued withholding of access to my funds is unacceptable and has caused me ongoing frustration and financial uncertainty. Desired Resolution : I want Novo to immediately close my account in full and return all of my funds to me without further delay. 



As of XX/XX/XXXX, I still dont get any response from Novo . I can still login to the online account but can not touch the funds or use the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my Equifax credit report, I noticed that my current and previous addresses are being reported inaccurately. My correct and only address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Instead, Equifax is listing my current address as : XXXX XXXX XXXX, XXXX, NC XXXX This misreporting is problematic because accurate personal information is critical for ensuring the integrity of my credit file. Incorrect address data can cause lenders, landlords, and other institutions to misidentify my credit history, potentially leading to denials, delays, or misattributed negative information. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, Equifax is required to maintain maximum possible accuracy in consumer reporting.

Company response to consumer: Closed with explanation