vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!

Im writing because I found an error with the account XXXX  under XXXX on my credit report. Its listed as CollectionOrChargeOff, and youve got the opening date as XXXX and the last activity date as XXXX. This info isnt right. This mistake is holding me back from reaching my financial goals, like getting approved for a loan. I need this account deleted, and I also want proof of the {$3700.00} since I know I dont owe this.

Please fix this 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 2025-12-26 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CO

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Experian and Equifax have failed to properly block and remove fraudulent information from my credit files as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

I submitted a formal identity theft block request with supporting documentation, but both credit bureaus continue to report fraudulent addresses and accounts that do not belong to me.

1. Incorrect Addresses Still Reporting The following addresses are not mine and were fraudulently added to my credit file. These should have been permanently removed under FCRA XXXX : XXXX Tano Ct # XXXX, XXXX XXXX, TX XXXX XXXX Old XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX CMR XXXX Box XXXX, APO New York, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX, APO XXXX XXXX, CA XXXX These addresses have no connection to me and should have been blocked immediately as part of the identity theft process. 

2. Fraudulent Accounts That Must Be Blocked The following accounts were opened without my knowledge or authorization and continue to report despite my XXXX identity theft request : XXXXXXXX XXXX XXXX XXXX XXXX {$8800.00} ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} ( XX/XX/XXXX XXXX XXXX XXXX XXXX * * XXXX XXXX {$0.00} ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Capital XXXX {$0.00} ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX {$980.00} ( XX/XX/XXXX ) * * XXXX * * XXXX XXXX {$0.00} ( XX/XX/XXXX XXXX XXXX XXXX These accounts are fraudulent, and the bureaus have failed to block them as required within f

our business days under FCRA 605B. 3. Failure to Comply With FCRA 605B U
nder the law, the bureaus must : Block fraudulent information within 4 business days Remove all personal identifiers connected to identity theft Notify furnishers to stop reporting the fraudulent data Prevent reinsertion unless strict FCRA procedures are met Experian and Equifax did not follow these requirements. 
The fraudulent accounts and addresses remain on my credit file, which has caused damage to my credit, stress, and difficulty obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-27 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: AZ

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I was using Cashapp to send someone money when I accidentally hit the person next to the person who I actually wanted to receive the money. The person I hit is someone who I have no clue who they are, we have no contacts in common, have never sent money to each other, nothing. The app says themselves its for people y to send money to who are friends, family, or people they trust, yet a random thief shows up on mine over people I have sent money to in the past.

I meant to send {$250.00} to my friend right next to the picture of XXXX XXXX the person I dont know. I put my PIN in and immediately saw i hit the wrong person. I contacted Cashapp immediately and they told me there was nothing they could do. I could request the money back from the person which I sent several requests. I They did tell me if the person didnt accept the money in 14 days, I would get the money back so I stopped sending requests because at that point they hadnt accepted the money so I didnt want to alert them further to the money so I could hopefully get it back after 14 days. Apparently, day 13 or 14, they declined my request for the money back and it was transferred to my account. Cashapp had told me after 14 days and I didnt get the money back to contact them and they would help me file to get it back. Day 15 I contacted them and they said theres nothing they can do. The purpose of the app is to send money between family, friends, and people I trust so this doesnt happen. So how does someone I dont know whatsoever just get to steal {$250.00} and they wont do a thing to help. Even after they said they would. I feel like this is horrible business practice and allows theft to very easily occur without any recourse or help from the company. I made them aware of this mistake from the second it happened, its not like Im now randomly trying to collect my money. They said they would help me. Now they are doing nothing. I feel there is something that could be done. Im furious, I feel misled, I feel like things even worse could be afoot or why wouldnt the company want to try to help me. Why would they allow people you have no contact with, have never sent money to, have no people in common with as a person to send money to?! Its like they are asking for this to happen. Maybe its Cashapp employees who found a loop hole to make some cash? Maybe its Cashapps algorithm to make cash for them? I dont understand why they wouldnt do anything upon first contact, second contact, last contact or any time to do good business and help their users out unless they benefit somehow. I live paycheck to paycheck and {$250.00} is a lot of money for me to give to a stranger. It killed my XXXX and its killing my rent now, and all I want is some help getting my money that was stolen from me. I do have screenshots of everything if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed two hard inquiries on my TransUnion credit report that I did not authorize or recognize. These inquiries are XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX I previously did not dispute these inquiries directly with TransUnion. I am requesting CFPB assistance to have these unauthorized inquiries removed from my TransUnion credit report. I expect written confirmation once these inquiries have been 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there is an address reporting on my credit report that is not mine. 
Below is the addresss that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

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

Company 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 2025-12-26 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:
I am disputing a specific account currently appearing on my credit report that is completely unknown to me. I have never opened, authorized, managed, or been associated with this account in any way. Its presence on my credit report is inaccurate and misleading, as it does not belong to me and was reported without my knowledge or consent. I take my credit profile very seriously, and the reporting of an unauthorized account has caused significant concern and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I initiated an international money transfer through Remitly in XX/XX/year>. The transfer was marked as completed by Remitly ; however, the recipient did not receive the funds in their XXXX XXXX 

I contacted Remitly multiple times and escalated the issue to supervisors. Remitly repeatedly stated that from their end the funds were credited, but they were unable to provide any official third-party proof of delivery. I specifically requested a transaction reference, XXXX, or written confirmation from the receiving bank ( XXXX ). 

Remitly confirmed that there is currently no XXXX and no confirmation from XXXX, and stated they would contact their delivery provider. Despite this, they continued to delay the resolution by repeatedly asking me to wait additional 48 hours or 2 business days. 

Remitly also requested that I provide a XXXX  wallet statement in PDF format. XXXX does not provide wallet statements or PDFs, which I clearly communicated. 

Despite being unable to prove that the funds were delivered, Remitly refused to issue an immediate refund and continued to delay the case. 

I am requesting a full refund of the transfer amount, or official documented proof from an independent third party that the funds were actually credited to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
I purchased a prepaid XXXX gift card on XX/XX/XXXX at XXXX.I attempted to add it to my XXXX for use and XXXX locked the card so it couldnt be used. Ive contacted the company daily ( spending hours on hold ) since XX/XX/XXXX for a replacement visa and still have not received one to date. The company told me I could get a virtual card issued to my email. Case # XXXX has been assigned for my issue. Each time Ive called, the reps tell me different things. Ill get my card in 24-48 hrs, Ill get my card in 24 hrs, Ill get my card in 6 hours, so forth and so on. The last call, the rep told me it was my proof of purchase info needing to be supplied and there shouldve been an email sent requesting that. I told them Ive provided the info with each call - XX/XX/XXXX, XXXX and hadnt received an email at all for anything. They were finally able to get an email over to me requesting the info via pictures. I sent the requested info and still waiting for my virtual card to be issued. At this point, Im tired of calling and staying on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of unauthorized transfers on my account and its failure to provide a clear investigation, explanation, or accounting. 

On XX/XX/2025 I received an official message through the Chase secured message center advising me to call Chase regarding unauthorized transfers. I followed the instructions and made numerous calls the same day. 

During these calls I was transferred repeatedly among multiple Chase departments including Fraud Dispute Wire Research Fraud Prevention and Claims. Each department stated that another department was responsible. No department accepted ownership of my case or provided a clear explanation.

After extensive transfers I finally reached the Claims Department. I was informed that XXXX XXXX filed on XX/XX/XXXX covering XXXX wire transfers and one XXXX transfer had been denied and closed. The stated reason was benefits received and that the decision was made by Chase back office.

I did not receive any benefits related to these unauthorized transactions. When I asked what benefits were allegedly received and by whom no Chase representative could explain this. I was also unable to obtain the name of the department or individual that made the denial decision.

Additionally a prior Chase representative advised me that approximately XXXX had been recovered from a XXXX wire transfer and that a check would be sent to me. To date I have not received these funds and Chase has not provided any written accounting or explanation regarding the recovered amount.

When I requested written notes or documentation supporting the claim denial I was told Chase could not provide them electronically and was directed to visit a local branch. I do not believe branch staff have access to back office claim determinations.

Chase also provided phone numbers that were non working and repeatedly redirected me between departments without resolution. What I want Chase to do I am requesting that Chase Bank be
required to provide the following in writing : 1. Confirmation of which department is responsible for handling my fraud and claim case 2. A clear written explanation of the claim denial including what benefits were allegedly received a
nd by whom 3. A written accounting of the approximately XXXX recovered from the XXXX wire transfer and its current status 4. Copies or summaries of the notes and determinations relied upon by Chase back office 5. A proper review of my claims with meaningful investigation and accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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