vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 
I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXX & XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please remove it from my credit report under XXXX XXXX XXXX XXXX following personal information is incorrect : XXXX  XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please remove it from my credit report under XXXX XXXX XXXX XXXX following personal information is incorrect : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2600.00} Please remove it from my credit report under XXXX XXXX XXXX The following XXXX information is incorrect : XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information XXXX incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information XXXX incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2700.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information XXXX incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2400.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information XXXX incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Amount : {$1300.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information XXXX incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Please remove it from my credit report under 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
His name is XXXX XXXX his email is XXXX He set up a fake XXXX XXXX account and is attempting to charge me {$450.00} from a company called Coinbase Global , Inc. 
The charge transaction date is XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CT

Complaint narrative:
i was a victim of identity theft through data breach please remove the accounts from my credit report

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express for engaging in deceptive and unfair credit practices that have severely impacted my financial health. 

On XX/XX/year>, I made a payment of {$10000.00} toward my American Express credit card, believing that this responsible action would improve my credit standing and restore financial flexibility. To my shock, American Express reduced my credit limit immediately after accepting my payment, despite my positive payment history and active use of the card. 

This move was unjustified, retaliatory, and financially damaging. It increased my credit utilization ratio, leading to a negative XXXX XXXX impact. Additionally, I was not notified in advance, and no proper explanation was given. I was left without access to credit that I had already counted on after making a large payment in good faith. 

After contacting customer service, I was routed to what appeared to be an offshore team based in XXXX, where I experienced gross miscommunication, misleading information, and evasive behavior. The representatives refused to provide a valid justification and were either unable or unwilling to help, raising concerns about systemic mismanagement or even intentional misconduct. 

It appears this team is engaging in predatory practices collecting payments and then restricting access to credit, which XXXX constitute fraudulent behavior or at minimum serious regulatory non-compliance. 

These actions XXXX violate the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act provisions on unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I am requesting the CFPB to : Investigate the matter thoroughly ; XXXX American Express to provide a written justification for its actions ; Require the immediate restoration of my previous credit limit ; Order the correction of any negative credit bureau reporting that resulted from this incident ; Ensure that customer support representatives including offshore staff are trained and held accountable for accurate and ethical handling of accounts. 

This experience has caused both emotional distress and financial harm, and I believe stronger oversight is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
A mistake like this undermines my credibility, which Ive worked hard to build. Please act quickly to correct it.

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 2025-07-24 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX DEBT - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX BANK - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XX/XX/XXXX INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: LA

Complaint narrative:
On XX/XX/year>, a down payment of {$1400.00} was successfully submitted to XXXX to secure my vehicle purchase. Although the payment was made through XXXX bank account, I contributed the majority of the funds by sending her {$1200.00} via XXXX XXXX in advance, with the clear agreement that it would be used for my down payment. 

At the time, I fully understood and approved of this arrangement. XXXX accepted the funds and completed the transaction without issue. 

However, on XX/XX/year>, XXXX initiated a dispute with her bank, falsely claiming the charge was unauthorized. This was done without my knowledge or consent. I did not ask her to dispute the payment or act on my behalf in any way. 

As a result of her actions, the bank reversed the payment and issued a chargeback to XXXX placing my account in default and leaving me blindsided. I immediately reached out to XXXX for clarification but have yet to receive the documentation or support necessary to resolve the situation. 

This has caused me financial hardship, distress, and potential damage to my credit all stemming from a dispute I neither authorized nor initiated. 

I am requesting the following resolution : A formal investigation into the disputed charge Confirmation that the dispute originated with XXXX, not me Reinstatement of my loan status and reversal of any penalties related to this chargeback Written assurance that my credit will not be negatively impacted by this situation I have included evidence of the {$1200.00} Cash App transfer as proof of my financial contribution and involvement in the down payment process. Thank you for taking the time to review and resolve this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX XXXX between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TN

Complaint narrative:
I am writing to formally dispute the reporting of certain accounts on my credit file. The following accounts are listed on my credit report, but are no longer relevant, are outdated, and may be affecting my creditworthiness negatively despite being paid and closed. 

Account # XXXX * * * * these accounts have been closed, show a {$0.00} balance, and reflect a payment status of Current. However, they also include language such as " Canceled by credit grantor '' or " Closed due to inactivity, '' which could potentially be misinterpreted by other lenders as a negative indicationeven though I have satisfied all financial obligations related to them. 

Under 15 U.S.C. 1681c ( FCRA Section 605 ), the Fair Credit Reporting Act mandates that any account that is closed and paid in full may only be reported for a maximum of seven ( 7 ) years from the date of last activity, unless it is positive and actively contributing to the credit profile. These accounts are outdated and no longer serve a beneficial purpose.

Furthermore, under FCRA 611 [ 15 U.S.C. 1681i ], I have the right to dispute any item on my credit report that I believe to be inaccurate, incomplete, unverifiable, or misleading. I am exercising that right and requesting a reinvestigation and removal of the above accounts from my credit report with your bureau.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2025, I booked and stayed at an XXXX in XXXX, California, from XX/XX/XXXX to XX/XX/XXXX, for a total cost of approximately {$5500.00} across three charges. After the stay, I discovered that the property was operating illegally under local zoning law. On XX/XX/2025, I received written confirmation from the City of XXXX XXXX XXXX XXXX that the unit I rented was a prohibited short-term rental and should not have been listed on XXXX. 

In addition to the illegality of the transaction, the property had unsafe and unsanitary conditions, including visible mold in the washing machine and no hot water in the kitchen. I was recovering from XXXX at the time, and these issues seriously compromised my health and safety. 

The host also attempted to extort me into paying a {$50.00} guest fee that was not disclosed in the listing or booking terms. When I declined to pay, I was threatened with eviction while still in post-operative recovery. XXXX later confirmed in writing that the fee was unenforceable, yet refused to intervene or offer a refund. 

I submitted a chargeback request to U.S. Bank, which was denied without explanation, despite submitting documentation including the citys confirmation of illegality, screenshots of XXXX messages, and the formal XXXX support acknowledgment that the fee was discretionary. 

This was a transaction for a service that was illegal, unsanitary, and coercively delivered, and I have submitted all relevant documentation. I am seeking full reimbursement and appropriate accountability for both XXXX and U.S. Banks roles in allowing and profiting from this unlawful experience.

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