vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
An unauthorized electronic device ( XXXX XXXX XXXX XXXX ( XXXX  ) ) logged into my Cashapp account and deleted all my email, phone number, bank accounts, Cashapp XXXX, and any other personal information they could to block me out of my account. I have never given out my person information to anyone and have never owned an XXXX. The device was located in XXXX XXXX but I haven't lived there in over a year. Spoofing locations? I had {$890.00} in the account, plus an overdraft of {$100.00}. Whoever they are added an email to the account ( XXXX ). 

I had contacted Cashapp throughout the night of the incident ( XX/XX/year> ) to get access. Immediately after verifying my identity my information would be erased again and my device logged out. I was logged in long enough to take screen shots of the remaining information on the account and saw they made unauthorized transactions to XXXX before getting kicked out again. 

At this point I stopped trying to get logged ( XXXX times in XXXX hours ) back in with a representative of Cashapp and waiting to call them in the morning when their lines were open. I called and they confirmed there is a case number and its under investigation. They couldn't give me a time frame. It's been about a week since the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : SANTANDER Account Number : XXXXXXXX XXXX XXXX XXXX XXXX In accordance with federal law, you are required to block this information within four business days of receiving : Proof of my identity ( enclosed : government-issued ID and utility bill ) A copy of my identity theft report ( enclosed : police report or FTC affidavit XXXX Identification of the fraudulent information My sworn statement that this information does not relate to any transaction I made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 am submitting this formal complaint to bring attention to the inaccurate and misleading reporting of my payment history by certain data furnishers and credit reporting agencies. Specifically, some accounts that have been fully paid, settled, or closed in good standing are still being reported with derogatory or " charge-off '' payment statuses. This mischaracterization not only contradicts the actual payment history but also violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy, and 15 U.S.C. 1681i, which outlines the reinvestigation obligations when disputes are raised. Furthermore, this erroneous reporting fails to comply with Metro 2 and XXXX guidelines, particularly Base Segment Field XXXX ( Account Status ) and Base Segment Field XXXX ( Special Comment Code ), which must accurately reflect an account 's current state post-payment. Reporting an account as charged off after it has been paid is materially misleading, impacts my creditworthiness, and subjects me to reputational and financial harm.

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Also I dont recognize lenders that pulled my credit report and I dont remember authorizing them to perform a hard inquiry on 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-07-22 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, if the information is inaccurate or can not be verified, the bureaus must promptly delete it.

The accounts listed below are not mine, or were opened/falsely reported due to identity theft or reporting errors. I am requesting immediate deletion from my credit report under federal law. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

Please remove the following items from my credit report XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance : {$2500.00} Past Due Amount : {$2500.00} Last Payment : XX/XX/XXXX Remarks : Account closed by grantor, previously disputed XXXX. XXXX XXXX XXXX XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance : {$1400.00} Past Due Amount : {$1400.00} Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Auto Loan Charged Off Original Balance : {$41000.00} Current Balance : {$23000.00} Past Due Amount : {$23000.00} Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX Account ) Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed Balance : {$0.00} Issue : Reporting XXXX late payments despite consumer statement declaring NEVER LATE

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 2025-07-22 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: VA

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 21 days 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 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 2025-07-22 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: Bridge IT, Inc.
State: CA

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and XXXX XXXX To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : BRIGIT/XXXX XXXX XXXX Date Opened : XX/XX/XXXX The Date of Last Activity is inconsistent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA 607 ( b ) and XXXX XXXX Field XXXX ( inaccurate and misleading reporting of aging ) Nature of Dispute : XXXX XXXX Data Inconsistency : have XXXX different month late, remarks, times of days late, and date of last activity differs from the data reported to other bureaus, indicating a reporting failure. 
The creditor must validate these missed payments or update all bureaus for accuracy. 

The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX XXXX indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I would like XXXX to remove the incorrect name and address 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 explanation
Consumer complaint received 2025-07-22 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:
I would like Experian to remove the incorrect name and address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XX/XX/XXXX DOB : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX  XXXX and Equifax credit reporting agency . I request that you ( CFPB ) 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. 


In accordance with the Fair Credit Reporting act, inaccurate collections such as a auto loan from XXXX Opened XX/XX/XXXX Closed account Collections : XXXX Amount {$2300.00} Opened XXXX XXXX, XXXX Collections : XXXXXXXX XXXX XXXX Amount : {$140.00} Opened XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX Amount {$1800.00} Opened : XX/XX/XXXX Collections : XXXX XXXX Amount {$300.00} Opened XXXX. XXXX, XXXX Hard inquires : XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Automotive Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX- Finance/Personal Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal XXXX  Inquiry : 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 Finance/Personal All the accounts are falsely on my XXXX, Trans Union and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.

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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a rental car protection claim ( Claim # XXXX ) through the Chase Sapphire Reserve Visa Auto Rental Collision Damage Waiver benefit on XX/XX/XXXX, for an incident that occurred on XX/XX/XXXX. 

As of today, the claim has been open for over five months with no contact, status updates, or requests for additional documentation. The online portal simply states " Open Adjuster Review '' and has not changed since submission. The last update listed was on XX/XX/XXXX, but that did not involve any outreach or action. 

I contacted Chase twice through their Secure Message Center, asking for assistance escalating the issue, and they repeatedly deflected by saying it is XXXX 's responsibility without offering to forward my concerns or escalate internally. As this benefit is advertised as part of the Chase Sapphire Reserve card, I expect Chase to support resolution when their third-party benefits administrator is not responsive. 

I also tried to reach XXXX  benefit administrator at XXXX  ( XXXX  ) without success. After XXXX months, this delay is unreasonable for a benefit that is marketed as a key feature of the card. 

I am requesting CFPB assistance in getting Chase and/or the XXXX benefits administrator to provide a real update and move the claim forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
Subject : Incident Report Mismanagement of Personal Identification at Old National Bank Branch XXXX XXXX On XX/XX/year>, I visited Old National Bank branch # XXXX located at XXXXXXXX XXXX XXXX XXXXXXXX to cash a check issued to me by my attorney 's office, XXXX and XXXX, which holds an account with Old National Bank. As I do not have an account with the bank, I was treated as a non-client. 

The teller asked if I had an account, to which I replied no. She then requested two forms of identification. I provided my driver 's license and my health insurance card. The teller took the check and my identification to the branch manager for review. They attempted to verify the check by contacting the attorneys office. I was asked to take a seat while the manager reviewed and approved the transaction. 

After some confusion regarding contact information, I was asked to call the attorneys office myself. By the time I reached them, the bank claimed they had located the correct number. I was informed that although the check was from Old National Bank, it had been issued from the XXXX XXXX branch, which should have had no impact since all branches operate under the same institution. Eventually, the check was approved and cashed. The manager counted out the cash to me ; however, my identification had not yet been returned. 

As I was preparing to leave, the manager requested to review my ID again. At that point, the teller realized she no longer had my documents. After searching, it was determined that my identification had been mistakenly handed to a customer at the drive-thru windowan egregious breach of privacy and a potential violation of federal privacy laws. 

The manager reviewed recent transactions to determine which customer had received my information. She stated that she personally knew the individual, had contacted them, and was told the ID was not examined. She then left the bank to retrieve my documents and returned after some time.

Following this, I informed the teller that I wanted to file an official incident report. The manager provided a completed report, stated that a copy was forwarded to the banks security department, and that camera footage would be reviewed. She assured me that security would follow up with me.

As of today, XX/XX/year>, I have not received any communication from Old National Bank regarding this matter. I am attaching a copy of the incident report and the business card provided by the manager. Notably, there is no incident number listed on the report. 

This situation is deeply concerning and reflects a failure in both operational procedures and customer care. I am requesting a formal update on the investigation and a written explanation regarding how my personal information was mishandled.

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 2025-07-22 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: CT

Complaint narrative:
I am submitting this formal complaint to bring attention to the inaccurate and misleading reporting of my payment history by certain data furnishers and credit reporting agencies. Specifically, some accounts that have been fully paid, settled, or closed in good standing are still being reported with derogatory or " charge-off '' payment statuses. This mischaracterization not only contradicts the actual payment history but also violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy, and 15 U.S.C. 1681i, which outlines the reinvestigation obligations when disputes are raised. Furthermore, this erroneous reporting fails to comply with Metro 2 and XXXX guidelines, particularly Base Segment Field XXXX ( Account Status ) and Base Segment Field XXXX ( Special Comment Code ), which must accurately reflect an account 's current state post-payment. Reporting an account as charged off after it has been paid is materially misleading, impacts my creditworthiness, and subjects me to reputational and financial harm.

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 2025-07-22 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: CT

Complaint narrative:
I am submitting this formal complaint to bring attention to the inaccurate and misleading reporting of my payment history by certain data furnishers and credit reporting agencies. Specifically, some accounts that have been fully paid, settled, or closed in good standing are still being reported with derogatory or " charge-off '' payment statuses. This mischaracterization not only contradicts the actual payment history but also violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy, and 15 U.S.C. 1681i, which outlines the reinvestigation obligations when disputes are raised. Furthermore, this erroneous reporting fails to comply with Metro 2 and XXXX guidelines, particularly Base Segment Field XXXX ( Account Status ) and Base Segment Field XXXX ( Special Comment Code ), which must accurately reflect an account 's current state post-payment. Reporting an account as charged off after it has been paid is materially misleading, impacts my creditworthiness, and subjects me to reputational and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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