vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/2025 I lost my phone at the XXXX in XXXXXXXX XXXX. I got a new phone XX/XX/2025 as well. XX/XX/2025 I got a notification that {$3500.00} was transferred to a XXXX XXXX from my cashapp on my old phone. I filed a dispute with cashapp and let them know I lost my phone and someone else is using my cashapp. I also called XXXX police department and filed a police report for theft. The police report number is XXXX, I spoke with detective XXXX XXXX. I am working with law enforcement about the theft and fraud. 

Well cashapp denied my dispute saying I made the transaction because they allowed my PIN code to be changed without any identification verification. Now cashapp doesnt want to refund my {$3500.00} due to negligence and lack of security cashapp has.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
i called fay servicing regarding lowering our mortgage payment. asking if we pay off the second mortgage will our mortgage payment be lower. and i was told we can not pay the second mortgage without paying first the first mortgage. and even if we pay it off our mortgage payment will not go down. combined XXXX and XXXX balance is {$500000.00} loan balance is XXXX principal is {$130000.00}. we bought the house XXXX and we just received a letter from them stating this coming XXXX our mortgage payment will go up to {$2600.00} old payment is {$2400.00}. i will be uploading the letter i just received from them. but in case i cant upload it, i will give you my acct # XXXX and this for address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I have been contacted by trueaccord to collect on a debt that I supposedly owe. They told me that they are licensed in XXXX or XXXX states, but the one where they are located they don't have a license to be a debt collector. They don't have a license to collect from XXXX, and I believe that they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00} XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00} XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 


Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 


Account Name : CAPITAL ONE Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I have been attempting to get items removed from my credit report. Reporting agency did not properly investigate my disputes. credit reporting agency did not manually look into disputes as i requested and only used a simple verification process by which creditor only replied that debt is verified with no evidence to back verification

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a credit card with Elan in XXXX. After I moved, someone at my old address gained access to the card and made unauthorized charges totaling over {$6000.00}. I only used the card once or twice and made about {$100.00} in purchases myself. 

When I realized there were fraudulent charges, I filed a police report. I gave the report details to Elan, but they still denied my fraud claim. I dont know who moved into my old address, but the card went there and was used without my permission. 

Now XXXX XXXX  is trying to collect this debt. They admitted fraud was denied and that I am still responsible even though I have proof I didnt authorize the charges. This is ruining my credit and causing serious stress. 

I am requesting a full reinvestigation, removal of the debt, and correction to my credit reports.

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 2025-06-05 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: CA

Complaint narrative:
I discovered multiple fraudulent records on my TransUnion credit report that I did not authorize and have no connection to. My personal data appears to have been used without my consent. The following entries are completely inaccurate : Hard inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses that are not mine : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect employer listed : Currently shown : XXXX  Correct : XXXX XXXX XXXX Fraudulent accounts that must be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have never authorized or opened these accounts, never lived at these addresses, never worked under the listed employer, and never applied for the listed credit inquiries. This is identity theft.

Under FCRA 605B, these records must be removed immediately. 

Attached are : FTC Identity Theft Report Government ID Proof of address Social Security card copy

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 2025-06-05 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-06-05 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: NM

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My accounts were randomly closed with no prior notice. I have XXXX  in that account and have XXXX answers about where my money is. They said that my account was closed for security reasons and wont specify or go into details. I was also never given any answers as to where my money would go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  acct XXXX XXXX XXXX  acct # XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # 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 2025-06-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$9800.00}

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 explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the unauthorized transfer of my personal information to a third-party collection agency, which I discovered only after reviewing my credit report. At no time did I receive notice or give consent for XXXX to sell, assign, or disclose my information for debt collection purposes, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under the FCRA, you are prohibited from furnishing consumer information to third parties without permissible purpose and proper notification. This disclosure appears to have occurred without my knowledge, violating my right to privacy and due process.

Additionally, I demand an immediate investigation into the accuracy and legitimacy of the information you reported. If any errors exist, I expect full correction or deletion under 15 U.S.C. 1681s-2 ( b ).

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My personal information is incorrect. I want an update to my address, phone number, and email.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint for Unauthorized Credit Inquiries Demand for Wet Signature Validation To Whom It May Concern, I am filing this formal complaint regarding two unauthorized hard inquiries reported on my credit reports by the following entities : XXXX XXXX ( XX/XX/year> ) XXXX  ( XX/XX/scrub>/2023 ) Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), any party requesting a consumer report must have a permissible purpose and must obtain prior written authorization from the consumer. Verification of authorization must include documented proof of my wet ( handwritten ) signature consenting to these inquiries.

To date, I have not provided any such written authorization for these inquiries, nor have I received any validation thereof.

Accordingly, I demand the following actions : Immediate production and submission of the original documents bearing my wet signature authorizing the above-listed inquiries.

If such documentation can not be provided, I demand the immediate deletion of these unauthorized inquiries from all credit reporting agencies.

Written confirmation from the credit bureaus that these inquiries have been removed or validated with proper documentation.

Failure to comply with these demands constitutes a willful violation of the FCRA and may result in legal action, including claims for damages and formal complaints to federal enforcement agencies.

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution.

Thank you for your immediate attention to this matter.

Sincerely,

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