vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Consumer Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX XXXX Photo ID : XXXX FTC Identity Theft Report : XXXX Original CFPB Complaint IDs/ Filing Dates : XXXX  XXXX ( Filed XX/XX/XXXX ) XXXX  XXXX ( Filed XX/XX/XXXX ) XXXX  XXXX XXXX ( Filed XX/XX/XXXX ) Statement of Complaint Retaliation by Credit Karma : I am a confirmed victim of identity theft. I have properly disputed accounts reported by XXXX XXXX on my credit reports with XXXX, XXXX, and XXXX. Despite providing proof of identity and a valid FTC Identity Theft Report, these CRAs have not fully resolved my disputes as required under 15 U.S.C. 1681c-2 ( a ). 
After initiating these disputes, Credit Karma disabled my access to my credit reports and credit monitoring tools. This action occurred directly because I exercised my legal rights to dispute inaccurate and fraudulent information. This appears to be retaliatory behavior and has caused the following harms : Loss of access to my credit information, making it impossible to monitor my credit for further identity theft. 
Delay in resolving the disputes due to inability to access my reports. 
Emotional distress and frustration due to restricted access despite following proper dispute procedures. 
Legal Basis / Violations : Retaliation for exercising rights under the Fair Credit Reporting Act ( FCRA ), including 1681c-2 ( blocking identity theft information ) and 1681i ( right to dispute inaccurate information ). 
Interference with my ability to monitor and manage my credit constitutes a violation of my consumer rights and exacerbates the risk of financial harm from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the XXXX  Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Complaint Regarding FNBOs Handling of XXXX XXXX XXXX Payments Dear CFPB, I am filing this complaint against First National Bank of Omaha ( FNBO ), the issuer of the XXXX XXXX XXXX, regarding unfair and burdensome billing practices. 

As a business owner, I obtained a XXXX XXXX through FNBO and issued employee cards under my business account. Standard industry practice with business credit cards is that all employee card charges roll up to the main account, and the business makes one consolidated payment each billing cycle.

FNBO, however, has required me to make separate payments for each employee card instead of allowing me to pay a single consolidated balance. This practice is highly unusual, creates unnecessary administrative burdens for my business, and increases the risk of missed or misapplied payments. 

I have business credit card accounts with other major issuers, including XXXX XXXX, XXXX, and XXXX, and none of them require this kind of fragmented payment structure. FNBOs approach is inconsistent with industry standards and unfairly complicates the management of business credit obligations. 

I request that the CFPB review FNBOs practices regarding their XXXX XXXX XXXX program and require FNBO to : 1. Consolidate all employee charges under the primary business account, as is the standard for business credit cards.

2. Allow one payment per billing cycle to satisfy the account balance.

3. Provide clarity to cardholders on their billing and payment obligations. 



This issue directly affects my ability to efficiently and responsibly manage my business finances. I believe FNBOs current practice may be misleading and places an unnecessary burden on small business owners like myself.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.     \n\nFRAUDULENT ACCOUNTS: XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Made a ATM Deposit at Wells Fargo on XX/XX/XXXX and was advised the {$7000.00} check would be put on hold. I understand that process, however the check was cashed on XX/XX/XXXX by Wells Fargo. Today is XX/XX/XXXX and Wells Fargo has lied to me saying the funds were not received? I confirmed with the Payor of that check the funds were paid on XX/XX/XXXX. Why is Wells Fargo lying? Does a bank have the right to continue to hold funds even though a check for those funds has been processed?

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I OPENED A BUSINESS ACCOUNT AND PERSONAL ACCOUNT WITH MOUNTAIN AMERICA CREDIT UNION IN XXXX. MY BUSINESS HAS MADE {$130000.00} IN THAT TIME I HAVE MADE OVER XXXX TRANSACTIONS IN TWO MONTHS. NEVER HAVE I HAD A BAD CHECK NOR BAD BANK ISSUE. ON XX/XX/XXXX MY BUSINESS CELL PHONE WAS STOLEN AND USED TO MAKE {$12000.00} IN FRAUDULENT CHARGES. I FILED A FTC REPORT WITH THE FEDERAL TRADE COMMISSION. I FILED AND VISITED THREE SEPARATE POLICE DEPTS. I CALLED AND VISITED ALL THE CREDITORS INVOLVED. SOMEONE WAS EVEN XXXX  WITH MY PHONE. MOUNTAIN AMERICA EVEN THOUGH THIER CUSTOMER SERVICE IS XXXX. THIER FRAUD DEPT DOES NOT FILE THE SAME GUIDELINES THE POLICE AND THE CREDITORS TOLD ME TO FOLLOW. THE FRAUD DEPT TOLD ME THEY WOULD NOT HELP AND TO GET THE MONEY BACK FROM THE POLICE DEPT. THEN PROCEEDED TO TREAT ME LIKE A CRIMINAL. SO I ATE THE XXXX. ON XX/XX/XXXX MOUNTAIN AMERICA CREDIT UNION TOOK {$5500.00} OUT OF MY CHECKING ACCOUNT AND TRANSFERRED IT TO ANOTHER PERSONS BANK AND THEN TOLD ME THAT Individual SPENT MY MONEY AND EVEN THOUGH THE BANK WAS AT FAULT THEY SAID I WOULD HAVE TO WAIT TILL THAT CLIENT PAID ME BACK!!!!! ON XX/XX/XXXX SOMEONE SPENT XXXX ON MY PERSONAL CREDIT CARD .I WAS SCARED TO DEATH TO CALL THE CREDIT UNION AFTER THE POLICE REPORT WAS FINISHED I CALLED ON A WORK DAY AND WASTED 6 HOURS JUST TO HAVE THE CREDIT UNION TREAT ME LIKE A CRIMINAL AND TELL ME IF IT HAPPENS AGAIN THEY WILL SHUT DOWN MY ACCOUNTS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
On XX/XX/XXXX, I attempted sent my brother {$10.00}. Cash app automatically booted out the transaction and said it was due to suspicious activity and restricted my account and prompted me to contact support. 

After I contacted supporter and told them the situation they ensured me that management would get back to me shortly and unrestrict my account - I havent heard from them in over a month! 

I contacted them numerous times through support on the app as well as calling and I feel like Im falling on deaf ears.

The lady on the phone today told me she could not tell me why my account is restricted and they are not taking my compliant seriously. 

I have almost {$100.00} on my cash app that I need and can not use.

Company response to consumer: Closed with explanation