vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
There were about 12 transactions made on my account from a company called XXXX which I had not never heard about before this happening coming from stores in Washington. At the beginning when this started to happen two transactions came for {$40.00} each .I disputed them and I know that it was going to be replaced because the transaction wasn't me.So they canceled that card and was going to issue me another one before I can receive the card a day later there was other purchases made from that card from the same place XXXX. So I called them again and explained that there were two more transactions made from the card that they had just issued but I didn't receive it yet. They canceled that one and it should be another one not too long after that more transaction was made and I still did not have the card in the mail. At this point I made sure that I switch whatever money that I had left into my XXXX XXXX XXXXn my card. The company is the Current card and the transactions were coming from a feature on that card which is a credit card to help build your credit as you make regular purchases. At this point I wanted them to just cancel the whole feature off of the card and continue with their investigation on these other transactions that were happening. Here comes the last two purchases I end up making the police report they honored those two purchases because they were in pending but the rest of them I received a letter and an email explaining that the other purchases were made by me. Clearly wasn't because when this kept happening I just deactivated the whole credit card feature off of my card and while it was deactivated transactions were still coming out of a card that I did not have. The account right now is in negative and they keep asking me to submit evidence and I submitted everything that I could possibly submit. It's clear to see that this is a fraud situation and they won't do anything about it I have called so many places including the actual stores corporate numbers and everything and everyone keeps telling me to result back to my bank and the bank is not doing anything. It's called the current card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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, PA XXXX XXXX delete and block the following accounts from my credit report Accounts 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 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 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 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 XXXXXX/XX/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 2025-06-04 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX Account Number : [ 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$20000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX Balance : {$6100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$1300.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Account number XXXX Balance {$2500.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-06-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
THIS IS SOMETHING I HAVE BEEN DEALING WITH SINCE XXXX. 
I suspect that my information was obtained before then. 

Experian : Someone created an online Experian account using my personal information ( PI ). 
I never consented to having an Experian account in the first place. 
I have had significant issues in attempting to resolve this problem. 
Call center reps have been little to no help. 
Ive attempted to take back my account, the one I did not create in the first place, by getting my login data changed. 
My account must be being monitored because soon after I changed my login data, it was manipulated again using my PI. 
Im sure there are illegitimate items on my Experian credit report because it has the worst score according to XXXX. 
Why has Experian cyber security not flagged the suspicious behavior associated with my account? 

TransUnion : I am under the impression that there are XXXX TransUnion ( TU ) accounts in my name. 
One that I created and another that I did not. 
My login information has been changed without my consent and I have changed it back. 
My TU account is currently suspended due to being unable to validate my information, which is safest I think. 

Equifax : My PI has been used to change my login credentials on Equifax. 
I change it back relatively easy using my PI. 
The issue is that I am not the only one with access to my PI. 
Its too easy for someone to gain access if they have someones PI. 

Cyber security and customer service reps have failed me. It is too difficult to do this on my own.

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 2025-06-04 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: NM

Complaint narrative:
XXXX XXXX Credit Card Date : opened XX/XX/XXXX I am not saying I didn't open the account, what I am saying is once the payment of {$3900.00} was made on XX/XX/XXXX with check # XXXX, there should not have been not transaction because I did not use the card from that point. I filed an IDT Theft report with the FTC and tried to dispute with the Credit Reporting Agencies, and have not received no assistance to get this situation cleared and taken care, if there was any transaction that was made to my credit card after the fact it was to me and taken without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX Credit Card Date : opened XX/XX/XXXX I am not saying I didn't open the account, what I am saying is once the payment of {$3900.00} was made on XX/XX/XXXX with check # XXXX, there should not have been not transaction because I did not use the card from that point. I filed an IDT Theft report with the FTC and tried to dispute with the Credit Reporting Agencies, and have not received no assistance to get this situation cleared and taken care, if there was any transaction that was made to my credit card after the fact it was to me and taken without authorization.

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 2025-06-04 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: NM

Complaint narrative:
XXXX XXXX Credit Card Date : opened XX/XX/XXXX I am not saying I didn't open the account, what I am saying is once the payment of {$3900.00} was made on XX/XX/XXXX with check # XXXX, there should not have been not transaction because I did not use the card from that point. I filed an IDT Theft report with the FTC and tried to dispute with the Credit Reporting Agencies, and have not received no assistance to get this situation cleared and taken care, if there was any transaction that was made to my credit card after the fact it was to me and taken without authorization.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX INT - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} Inquiries XXXX XXXX XXXX Date : XX/XX/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 2025-06-04 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: FL

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX INT - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : Failure to Conduct Proper Reinvestigation and Misclassification of Dispute as Identity Theft FCRA Violations To Whom It May Concern, I am filing this formal complaint against Experian and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding my recent credit report dispute. 

On XX/XX/year>, I submitted a dispute challenging the accuracy and verifiability of several accounts on my credit file. I did not claim identity theft, nor did I submit an Identity Theft Report under FCRA 605B. However, both bureaus improperly flagged my account as a fraud case and placed a credit freeze, demanding a police report before taking further action. 

This was an error and a misapplication of the law. My dispute was filed pursuant to the following FCRA provisions : 611 : Right to dispute inaccurate/unverifiable information and have it removed if not verified within 30 days.

609 : Right to request full disclosure and original account documentation.

623 : Furnishers must provide accurate and complete information.

602 : All credit data must be fair, accurate, and verifiable. 

To date, no original account-level documentation has been provided, and the bureaus continue to report the disputed accounts without proper verification. Additionally, the identity theft flag is still active, even though I have clearly stated I am not alleging fraud. 

I am requesting the CFPB to : 1. Investigate Experian and TransUnion for failing to conduct a proper reinvestigation.

2. Require both bureaus to remove the identity theft flag and freeze placed on my credit report in error.

3. Ensure the bureaus provide verification of the disputed accounts in the form of original signed contracts or delete the accounts in compliance with FCRA 611.

4. Enforce compliance and, if necessary, assess civil penalties for negligence or willful noncompliance under FCRA 616617. 

I have attached copies of my original dispute letter, the credit bureau responses, and proof of identity. I request a fair and timely resolution consistent with the rights granted to me under federal 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 non-monetary relief
Consumer complaint received 2025-06-04 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: OK

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XX/XX/XXXX, I took my vehicle ( XXXX XXXX XXXX ) to a licensed XXXX dealership for a mirror replacement. I was quoted for a factory-original, VIN-matched mirror in my vehicles factory color ( dark metallic grey ). I was charged {$210.00} on XX/XX/XXXX and {$600.00} on XX/XX/XXXX using XXXXo Chase credit cards, totaling {$820.00}. 

After the service was completed, I discovered that the mirror installed was a visibly incorrect color lighter than the rest of the vehicle. The dealerships parts department later confirmed that the wrong part was ordered and installed. However, they refused to replace it or refund the charges unless I paid again. 

I submitted formal billing disputes to Chase under the Fair Credit Billing Act. Despite my documentation ( invoices, photos, dealer confirmation ), I have not received confirmation of a resolution. I am requesting that Chase credit back the disputed amounts and confirm the completion of a full investigation.

Company response to consumer: Closed with explanation