vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: TX

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

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

Company 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 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On the morning of XX/XX/XXXX I woke up to an email from XXXX advising there had been a log in to my account from an unrecognized device. Someone had hacked my XXXX account. I had my Bank of America Visa card ending in XXXX saved to my XXXX account as a payment option. Unfortunately, XXXX does not offer XXXX tier authentication for its buyer accounts, so once someone hacked my account they were able to make unauthorized purchases from the XXXX platform using my credit card. The hacker made a purchase in the amount of {$340.00} for vouchers to a basketball game. Those vouchers were redeemed immediately by the hacker. This was all done around XXXX XXXX  when I was sleeping so I was not able to catch this in real time. I contacted XXXX and they advised I needed to contact my bank to assist with recovering the funds. I submitted a fraud claim to Bank of America on XX/XX/XXXX to reverse the fraudulent charge. I contacted XXXX again and they advised that they have the purchase marked as " unauthorized '' and to continue to work with my bank. BOA denied my claim. I asked both BOA and XXXX to provide me with any information they have that shows it was ME who made the purchase. Neither BOA nor XXXX provided me with any documents. Once BOA denied my claim, I submitted a complaint against XXXX to the Better Business Bureau on XX/XX/XXXX. The XXXX  accepted my complaint and reached out to XXXX. In response, XXXX sent me an email on XX/XX/XXXX stating " you can use this email as proof to share with your bank regarding the transaction in question, which involves a disputed amount of {$340.00}. Please inform your bank that this is considered a fraudulent purchase. They should be able to assist you further in addressing this issue. '' I asked BOA to re-open my case. I submitted this email to them via fax on XX/XX/XXXX and I have the fax confirmation showing the fax was received by BOA. On XX/XX/XXXX BOA again denied my claim and is refusing to reverse the fraud charges and attempting to hold me accountable for the fraud. This is a clear violation of XXXX 's XXXX liability policy.

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 monetary relief
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
Summary of Issue : My Cash App account was compromised, and I lost {$100.00} due to fraudulent charges. While Cash App flagged XXXX suspicious transactions, they allowed approximately XXXX other unauthorized charges to go through without intervention. 

Details of the Complaint : I contacted Cash App support immediately after noticing the fraudulent activity. Instead of receiving timely help, I was given the runaround. A manager was supposed to contact me by email but never did. When I tried to escalate the issue further, I was told there was no higher level of support available. 

Cash App now requires me to wait between XXXX business days for a resolutiondespite this being a clear case of fraud that was not my fault. This timeframe is unreasonable and unacceptable given the circumstances. 

Today, I attempted to pay an essential bill tied to my well-being ( a life-and-death matter ), only to discover that my Cash App card is blocked. When I called customer support, I was met with fast-talking resistance instead of genuine assistance. 

Impact on Me : Financial loss of {$100.00} due to Cash Apps inadequate fraud prevention. 
Severe stress and hardship caused by delays in accessing funds for critical bills. 
Lack of accountability and refusal to provide timely escalation or managerial follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Received notification that a credit card application. To Jet Blue was opened without my knowledge or consent.

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 2025-09-01 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: CA

Complaint narrative:
I checked my credit profile and seen some inquiries that do 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 explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Summary of Complaint : On or about XX/XX/year> - Present, JPMorgan Chase Bank, N.A. allowed a fraudulent check to be deposited into my account ( Acct. Ending XXXX ) in the amount ranging from {$160.00} - {$770.00}. Chase then : Represented that funds were available, permitting withdrawals against the check. 

Failed to apply appropriate holds required under Regulation CC ( 12 CFR Part 229 ).

Later reversed the transaction, wrongfully debiting my account for an item that was not properly payable under UCC 4-401.

Failed to exercise ordinary care as required by UCC 4-103 and ignored fraud detection protocols. 

Engaged in fraudulent concealment and deceit by withholding material facts about the fraudulent nature of the item while representing funds as cleared and available. 

Acted with gross negligence, demonstrating reckless disregard for account security and consumer financial harm. 

Legal Basis for Complaint : Uniform Commercial Code : 4-401 : Improper debit of account.

4-103 : Duty of ordinary care.

3-403 & 3-404 : Unauthorized signatures/endorsements.

Federal Regulation CC ( 12 CFR Part 229 ) : Failure to apply appropriate holds on deposited items.

Federal Trade Commission Act ( 15 U.S.C. 45 ) : Prohibition against unfair or deceptive acts or practices ( UDAP ).

CFPB Enforcement Authority : Chases conduct constitutes an unfair, deceptive, and abusive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: TX

Complaint narrative:
Total Purchase amount : XXXX ( Merchant XXXX  XXXX  ) Total amount refunded : XXXX ( Klarna Inc ) ( XXXX Merchant XXXX XXXX ) + ( XXXX Klarna interest incurred ). 

Total amount being charged to me : XXXX ( XXXX Sales Tax + XXXX interest incurred ). 

Klarna XXXX was used to make the purchase at the merchant XXXX XXXX. 

The SALES TAX of XXXX is only applicable if a purchase through a transaction is successful and an item has been and received. Since a dispute was opened by Klarna because I did not receive that item from the merchant that i paid for and the dispute was ruled in my favor, that transaction is null and void. Meaning sales tax is no longer applicable to me. I should have been fully refunded the total amount including the sales tax by the merchant ( XXXX XXXX  ). I can not be charged sales tax because i did not receive anything from the merchant. It is considered fraud if and theft to charge sales tax for something i never received. No goods and services were rendered by the merchant ( XXXX XXXX  ) and KLARNA continuing to charge me sales tax of XXXX + Interest incurred is considered fraudulent charge on my account. 

The sales tax is the responsibility of the merchant ( XXXX XXXX  ) to refund me and since the merchant ( XXXX XXXX  ) is refusing to refund me, Klarna is the XXXX charging me the sales tax and that makes that amount a fraudulent charge on my account. 

Because of this refusal from both the merchant ( XXXX  XXXX  ) and Klarna ( Loan ), My debt has been sold by Klarna to XXXX XXXX Debt Collections and My credit score has been impacted and reported to all credit reporting agencies by this fraudulent attempt to collect a wrongful debt owed. 

Total amount of wrongful debt = XXXX ( XXXX Sales Tax + XXXX interest fees incurred ). 

The debt owed does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CO

Complaint narrative:
XX/XX/XXXX consumer Used Transunion customer text message communication to follow up on dispute result for # XXXX received XX/XX/XXXX. Consumer was connected to agent XXXX, Consumer asked what method of verification was used by XXXX XXXX XXXX to verify account debt regarding XXXX XXXX XXXX account # XXXX, as well as all documentation and information provided to support verification. This request was denied stating all they could provide was the result, multiple requests are made throughout the conversation and Transunion agent claimed repeatedly that they have no ability to provide this information. The information verified by XXXX XXXX XXXX to Transunion of {$8500.00} past due and last payment date of XX/XX/XXXX was inaccurate and inconsistent with multiple reports provided by the company in response to consumer disputes made to them directly, CFPB complaint # XXXX company response made XX/XX/XXXX. Furthermore the company has failed to validate the debt to consumer. Transunion failed to properly investigate dispute causing damage to consumer credit, directly affecting ability to obtain housing and auto loan and fair terms on financing.

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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am the primary account holder of a Walmart credit card managed by Capital One. My household income is solely from VA XXXX compensation received by my husband, who is rated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and unemployable by the Department of Veterans Affairs. 

Because this income is federally protected and can not be garnished or attached, I requested hardship relief from Capital One under their policy for customers with XXXX  XXXX and financial hardship. I provided documentation of my husbands VA award letter. 

On [ XX/XX/year> ], I was told verbally that no assistance was available. I believe this contradicts Capital Ones hardship programs, which provide accommodations such as settlement, reduced balance, or account discharge for households facing XXXX  XXXX. 

I am requesting CFPB review to ensure Capital One provides appropriate relief consistent with their hardship policy and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit profile : National Credit Adjusters Account Number : XXXX Date Opened : XX/XX/year> Last Reported : XX/XX/year> & XX/XX/year> Amount : {$280.00} Despite my attempts to resolve this matter directly with the reporting agency, the issue remains unresolved. I have no account with this company. Under my rights granted by the Fair Credit Reporting Act, I believe this collection agency has : Reported derogatory information ( such as open ) beyond the statute of limitations for debt collection. 
Failed to provide proof of ownership of the alleged debt. 
Failed to provide the original credit agreement or verification that this debt is directly owed to them. 
Continued to report negative and inaccurate information toXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number XX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$8800.00} XX/XX/XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXXXX/XX/XXXXAccount Number :XX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$9500.00} XXXXXX/XX/XXXX- Account Number : XX/XX/XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation