vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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:
I am writing to formally request the immediate deletion and blocking of all accounts associated with my personal information as a result of a recent identity theft and/or data breach that has compromised my sensitive personal data. This request is made pursuant to 15 U.S. Code 1681c-2 ( a ), which provides protections for individuals who are victims of identity theft.

As someone who has been directly affected, I am deeply concerned about the misuse of my personally identifiable information. I did not authorize these accounts, and I believe they are fraudulent. I am requesting that they be permanently removed and blocked from my credit report. 

Fraudulent Accounts to Be Blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$0.00} ( Charged off : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} ( Charged off : {$6100.00} ) XXXX XXXX XXXX Balance : {$0.00} ( Charged off : {$33000.00}, Paid/Closed ) XXXX XXXX : {$68000.00} XXXX XXXX Balance : {$630000.00} XXXX request that Experian XXXX these items from appearing in my credit file, cease reporting them to any third parties, and send me written confirmation when this request has been fulfilled. I further request that you notify all data furnishers that these accounts were the result of identity theft and that I am not responsible for any alleged debts. 
Thank you for your immediate attention to this serious matter. Your cooperation in helping protect the integrity of my credit and personal information is greatly appreciated. 
Sincerely,

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
- I had a car loan with XXXX XXXX for a XXXX XXXX XXXX. I decided to refinance through Capital One Auto Finance on XX/XX/XXXX of XXXX. 

- I was told to send my title to Capital One in XXXX. I made a photocopy of the title for my records and sent the original title via XXXX XXXX on XX/XX/XXXX. I have the tracking that shows it was received. 

- In XXXX, I placed a phone call because I still had not received my title. I was told that they were waiting on XXXX to send them the lien release paperwork. I assumed this would be handled. 

- XXXX week later, I called again and was told the same thing. They were still waiting on XXXX. 

- I've called about 7 times, and this still hasn't been resolved. I even called and had both parties on the line. XXXX said they had not received any calls from Capital One requesting any paperwork regarding the title. Capital One stated they had sent paperwork twice and were still waiting. 

- It has been XXXX months, and I still don't have my title. I do have the paperwork from XXXX stating the loan is paid in full. 

- This is very frustrating because I'm making payments on a car with no title. If I wanted to sell it or were in an accident, I would not be able to provide proof this is my car. 

- Please help me get this issue resolved. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime close my account for no reason and they want give me a reason I have money in my account and have direct deposit to my account I just woke up account was close i called they said they dont have to give me a reason which is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint about a tradeline reported by The Bank XXXX Missouri, which was opened on XX/XX/year> while I was under an active Chapter XXXX bankruptcy ( XXXX ). At no time did the creditor obtain permission from the bankruptcy court to open or report this account. 

Even though I submitted formal disputes with Equifax, they failed to remove the account. The Bank XXXX Missouri also failed to verify my bankruptcy status by checking public court records through PACER, which would have shown my active filing. 

Laws Violated : 11 U.S.C. 362 ( a ) Violation of the automatic stay 11 U.S.C. 524 ( a ) ( 2 ) Violation of the discharge injunction 15 U.S.C. 1681s-2 ( a ) Reporting information known to be inaccurate 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy 15 U.S.C. 1681i Failure of the credit bureaus to reinvestigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
I have been keeping my card locked constantly since multiple fraudulent charges were/are attempted everyday. XXXX consecutive charges were made while my card was unlocked for about {$1.00} per charge and I contacted Cash-app about the charges and they said they would open an investigation and to request a new debit card. After trying to order a new card i kept receiving errors so I contacted cashapp again and then I was notified that I would no longer have a chance to order a new card because my access to the debit card feature has been revoked because of security reasons. I asked a supervisor to look over my complaint and I got the same answer about my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint to formally dispute the accuracy and validity of an account currently being reported on my credit file with a charge-off status and an outstanding balance of {$1800.00}. This entry is negatively impacting my credit profile, and there is insufficient documentation to substantiate such derogatory reporting. 

The account was reportedly opened in XX/XX/scrub> 2019, which coincides with several major data breaches, most notably the XXXX XXXX breach of 2019, during which personally identifiable information ( PII ) was exposed. Due to this, I have reasonable concern that this account may be connected to fraudulent activity or may contain inaccuracies stemming from compromised data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, my ex took {$220.00} from my Chase bank account by transferring it to my XXXX, and then sending {$200.00} to himself without my permission. I didnt authorize that transaction at all. 

I filed a dispute with Chase and submitted a police report and screenshots explaining everything. Chase gave me the money back at first, but later reversed it and told me to contact XXXX. 

I reached out to XXXX, but they banned my old account, so I dont even have access to the full transaction history anymore. I submitted all the proof I had, but Chase still denied the claim. Ive done everything I could on my end. The money was taken without my consent, and Ive been left with nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I never gave permission for XXXX XXXX XXXX to report anything on my credit file. This account is completely fraudulent and does not belong to me. According to 15 U.S.C. 1681b ( a ) ( 2 ), credit information should only be shared with the consumers written consent. Im asking for this account to be removed from my report immediately.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-08-03 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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 did not open up the XXXX XXXX for {$410.00}. Someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Supplemental Evidence CFPB Case # XXXX XXXX XXXX Filed Against : Equifax Date XXXX Submission : XX/XX/XXXX To Whom It May Concern, This is supplemental evidence related to CFPB complaint # XXXX, originally submitted on XX/XX/XXXX. 

Despite Equifax marking my dispute as completed on XX/XX/XXXX, the XXXX XXXX XXXX tradeline continues to be reported inaccurately and contradictorily. As of XX/XX/XXXX, XXXX XXXX ( which reflects Equifaxs data ) still shows the account with the following details : XXXX XXXX XXXX Last reported : XX/XX/XXXX Balance : {$1100.00} Open balance Opened : XX/XX/XXXX Account Status : Open Type : Collection account Responsibility : Individual Remarks : Consumer disputes this account information Original Creditor : XXXX XXXX This tradeline is being reported with multiple violations : Violations Cited : XXXX. FCRA 1681e ( b ) : Reporting a collection account as open is materially inaccurate and misleading to lenders. 
XXXX. FCRA 1681i ( a ) ( 5 ) : Following a dispute, Equifax failed to correct or delete the inaccurate data.

3. FCRA 1681i ( a ) ( 6 ) : I was not provided with proper dispute investigation results.

4. Metro 2/CDIA Guidelines : A collection account must be reported as closed it can not simultaneously be listed as open and in collection. 
XXXX. Furnishing conflicting data to third parties : XXXX XXXX display confirms that Equifax is transmitting this incorrect data externally, which amplifies the harm. 



Pattern of Repeat Violations : I have now disputed this same tradeline more than three separate times, each time pointing out the exact same contradiction that the account is simultaneously listed as both open and a collection. Equifax has repeatedly failed to correct this error, despite having multiple opportunities to do so. 

This suggests a pattern of willful indifference or systemic negligence, not a one-time error especially since the same issue persists after each dispute cycle and continues to mislead third-party platforms like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

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 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XXXX around XXXX I received a call from a number with a caller ID of Chase bank. They were calling to report some fraudulent charges on my card. This had been happening to me a lot recently, despite me using only XXXX XXXX through my digital wallet ( I have an XXXX ), clearing old cards and deleting passwords. They listed off a couple charges, purchases of around {$500.00} in XXXX ( I live in XXXX  ) and so I said yes these are all fraudulent, this is so frustrating, they said ok we're gon na transfer you to a higher up, it looks like this is part of a bigger internal investigation going on. They transferred me to someone else and he explained that a federal investigation was going on, there was a banker at one of the branches who was operating internally and had full access to my account. They needed me to go to my local Chase branch to confirm my identity. I was supposed to take out {$25000.00} dollars and then deposit it back into the ATM on the new credit card they were sending me. I was also supposed to keep the phone on in my purse so they could monitor the conversation, and was told not to mention any of what I was up to. When I got to the bank my pin wasn't working, so the banker asked me to change my pin, which I did. I then was instructed to go back to my car. He asked if I got a notification from the Chase mobile banking app asking if I was speaking to a representative, which I confirmed. He then said to go look in my digital wallet, as a new card had been set up for me. I was to deposit this cash into my new card. He said to use a new temporary pin and to deposit it in 2 rounds of {$10000.00}, and 1 round of {$5000.00}. I took the cash and was able to deposit {$23000.00} as the ATM machine wasn't working very well. He said I could now delete the card as it would be stored in my phone 's digital history and the money would be transferred to my account. At this point the horrible sinking feeling I'd had became clear. I had no receipt from the bank for either of these transactions. I was instructed to return to my car so the case could be reviewed with a member of the team. I was transferred over but it sounded almost like the same person, which I felt was odd. They told me the banker was still actively stealing funds and that I'd have to go to another branch and try the same scheme, this time for {$15000.00}. That was when I knew I'd been scammed and refused to participate any longer. They continued to call me but I didnt pick up. The last thing I heard from them was a text that said, hey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 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: SC

Complaint narrative:
On XXXX  at XXXX XXXX, my mother sent me {$720.00} via Cash App ( with rent in the memo ), followed by a second {$1.00} transaction also labeled rent. I then attempted to withdraw {$500.00} and {$510.00} at XXXX XXXX. I had a {$100.00} Cash App borrow balance, and {$72.00} was automatically deducted from the received amount I paid the remainder myself shortly after. 

Immediately after the attempted withdrawals, I received a notification at XXXX XXXX  that my account was locked due to suspicious activity, and I would not be able to send or spend money during their XXXX hour review period. 

I contacted Cash App Support that same day, and my case was escalated to a manager. However, I did not hear back until XXXX XXXX  the next day, past the promised end of day timeline. I responded, clearly explaining that the flagged transactions were legitimate, and I urgently needed access to the funds to pay my rent. 

Despite this, the account remained locked past the XXXX deadline. I followed up again at XXXX XXXX  on Sunday and received a vague message that provided no resolution, only stating the account was locked for my protection. No further instructions, resolution timeline, or next steps were offered. 

At this point, my rent is overdue, Ive missed credit card payments, and I am being financially penalized even though the funds are mine and were sent from a verified family source. I am requesting immediate action to unlock my account or release my funds.

Company response to consumer: Closed with explanation