vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c-2 ) that you, the XXXX credit reporting agency, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fig Tech Inc.
State: TX

Complaint narrative:
On XX/XX/2025, I formally demanded that Fig Loans provide official proof that my account was legally XXXX XXXX  as they reported to XXXX XXXX XXXX XXXX  I specifically asked for documented evidence showing the XXXX event, the complete account history with all payments and balances, and the exact date of the XXXX Instead of providing this required proof, Fig Loans only sent me the original loan agreement and a general account summary neither of which shows that they legally performed a XXXX  according to federal law. Despite my clear written request and follow-ups, they continue to report the account as XXXX XXXX  on XXXX XXXX XXXX  reports and have not marked the account as disputed as required by the Fair Credit Reporting Act ( FCRA ). This means they are reporting potentially false and unverifiable information that XXXX  my XXXX profile. They have also failed to properly investigate my dispute as required under FCRA and XXXX XXXX XXXX. I believe this is a clear violation of my consumer rights under federal and Texas law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate NCA ( name of company reporting to my credit report ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX Please remove it 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 2025-06-16 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: NY

Complaint narrative:
In accordance with Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1-Account name : DEPT OF ED/XXXX, Account Number:XXXX, Date opened XXXX XXXX. 
2-Account name : DEPT OF ED/XXXX, Account Number:XXXX, Date opened : XXXX XXXX. 
3-Account name : DEPT OF ED/XXXX, Account Number:XXXX Date opened : XXXX 4-Account name : DEPT OF ED/XXXX, Account NumberXXXX, Date opened : XXXX XXXX 5-Account name : DEPT OF ED/XXXX, Account Number:XXXX, Date opened : XXXX XXXX 6-Account name : DEPT OF ED/XXXX, Account Number:XXXX, Date opened : XXXX XXXX XXXX 7-Account name : DEPT OF ED/XXXX Account Number:XXXX, Date opened : XXXX XXXX  8-Account name : DEPT OF ED/XXXX, Account Number:XXXX, Date opened : XXXX XXXX 9-Account Name : XXXX XXXX, Inquiry Date : XXXX XXXX 10-Account Number : XXXX XXXX, Inquiry Date : XXXX XXXX 11-Account Name XXXX XXXXXXXX XXXX, Inquiry Date : XXXX XXXX 12-Account Number : XXXXXXXX XXXX, Inquiry Date : XXXX XXXX 13-Account Number : XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX The accounts above have violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION XXXXB ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below 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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed out of {$800.00} through Cash App while trying to purchase a dog. The scammer and I communicated for several days including through XXXX and text and he appeared trustworthy. I have a photo of him, his phone number, and the Cash App transaction details. 

On XX/XX/XXXX, I sent {$800.00} via Cash App to the user $ XXXX for a dog I never received. After the payment was completed, the individual stopped responding and disappeared, in fact BLOCKED me on everything. 

I contacted Cash App support, but was told that since the transaction was marked completed, I am not eligible for a refund. This policy unfairly punishes victims of fraud. I have proof of the scam, including messages and screenshots, and I am willing to provide a police report. I made an agreement to pay rent at a certain time or I will get evicted, and now I cant.

I am requesting that Cash App/Block Inc. review this transaction in good faith and reimburse me the full amount AND assist me in pursuing the individual through proper legal channels. 

I have also reported the incident to law enforcement and intend to pursue further legal remedies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I am a victim XXXX XXXX The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 
INQUIRIES : XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have XXXX XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
When I was checking my credit report I noticed there were inquiries that did not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We were out of the country when we got XXXX. At that time the XXXX was not allowing persons testing positive to re-enter the XXXX. We had added out of pocket expenses that we were not prepared for. Then the XXXX XXXX  in late XXXX we reached out to our mortgage company ( currently Mr. Cooper previously XXXX XXXX ) for assistance. We went through the process of obtaining the modification 3 times before we were successful. Each failed attempt was either documentation lost in the mail or a deadline missed, however I was assured each time I was still under the XXXX protection act with regards to mortgage lates. When I discovered the late I contacted them multiple times and they escalated multiple times. A few supervisors stated they would escalate and get it removed because they did not have the authorization to remove lates. However I could never get those persons on the line again. The last attempt I was told that I was supposed to call them back to renew the XXXX protection and I did not. I told them to go back to a phone call I had with one of their reps when he stated the late was reported in error, however they told me they could not go back that far and therefore the late was justified. I stated the late does not make sense when you look at our report because up until XXXX of XXXX I had absolutely no mortgage lates, then XX/XX/XXXX they placed a 150+ late on our report, then in XXXX there are no further lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been 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 explanation
Consumer complaint received 2025-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am a Capital One XXXX XXXX credit cardholder. Capital One recently announced significant changes to the lounge access benefits associated with this card, effective XX/XX/year>. These changes are unfair, unexpected, and significantly reduce the value of the product that I am paying an annual fee for. 

Specifically, Capital One is removing free Capital One lounge and Priority Pass access for authorized users unless an additional {$120.00} is paid per user annually. They are also introducing a {$45.00} fee for guests to access Capital One lounges and a {$25.00} fee for children under 18. This is a sharp departure from the original card benefits, which included complimentary lounge access for the cardholder, authorized users, and two guests.

To restore free guest access, Capital One is now requiring {$75000.00} in annual spendinga threshold that is completely unreasonable for the average consumer. Despite these benefit cuts, Capital One is not lowering the cards {$390.00} annual fee.

I feel this is a bait-and-switch tactic. I signed up for this card based on the promised lounge access benefits for my family, and now those benefits are being taken away with no meaningful compensation. There was no option to opt out or receive a prorated refund. These changes were announced mid-year and apply retroactively to existing users.

These benefit reductions amount to hundreds of dollars in lost value each year for me and many others. Capital One should not be allowed to charge the same premium fee while removing key features that justified the cost in the first place.

I am asking the CFPB to investigate whether Capital Ones actions are deceptive or abusive under consumer protection laws and to require them to honor the benefits that customers like me signed up for or issue refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: UT

Complaint narrative:
I paid off my auto loan with American Honda Finance Corporation on XX/XX/XXXX, and received a written confirmation dated XX/XX/XXXX stating the account was paid in full. Despite this, my credit report still lists the account as open, with the last reported activity showing as XX/XX/XXXX. 
I contacted AHFC by phone, and they acknowledged the loan is paid off but refused to correct the credit reporting unless I physically mail in documentation. I have already provided proof of payoff and do not believe I should have to take extra steps to correct an error on their part. This inaccurate reporting is affecting my credit standing. 
I am requesting the CFPB 's assistance in having AHFC immediately report the correct account status ( paid in full and closed as of XX/XX/XXXX ) to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor XXXX : XXXX XX/XX/XXXX Equifax Creditor XXXX : XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to S

ection 611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 req
uires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation