vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute and request a reinvestigation of inaccurate payment history and reporting entries that are currently reflected on my credit file. Upon reviewing my recent credit report, I identified accounts that contain outdated or inaccurate late payment information. I request that these entries be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/year> at XXXX XXXX, I bought a XXXX XXXX Gift Card from the XXXX on XXXX and XXXX, XXXX XXXX, CA. At XXXX that same day, I opened the tightly sealed packaging to find that XXXX of the digits of the credit card had been scratched off. The packaging was sealee. This damaged had to have happened in the factory that created the card. I immediately contacted the company. I was told to pride phots of the card, packaging, and receipt. I sent all of this information. They stated that a case was opened, provided me with a number, and said that the issue would be solved ( or at lease contact made ) within 5 days. When I did not hear from them. I wrote XXXX XXXX XXXX XXXX. They redirected me to a phone number ( XXXX ), which in turn, redirected me to the same email that " ignoring me. The amount placed on the card is {$270.00}. 

I emailed XXXX. as instructed. 

I was given a case # of XXXX XXXX XXXX response : Dear XXXX XXXX, XXXX more step is required before we can start working on your request. Please confirm your email by clicking on the button below. 

Your Request ID is XXXX, please keep this for your records. 

Request ID : XXXX Date Submitted : XX/XX/year> XXXX XXXX XXXXXXXX I am a : : Customer This is what XXXX sent me : Dear XXXX XXXX, Your request can not be completed at this time. 

Thank you for contacting the XXXX XXXX XXXX. Please note only privacy related questions will be processed. For all non-privacy related questions, please contact the customer service number found on the back of your card and/or receipt. 

If you have any questions, please contact a member of the privacy team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I cancelled a item on XXXX before it was even shipped out in they take the {$9.00} from my cash app account in it say pending still in cash app customer service is no help or XXXX customer service I need my money returned asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-10-25 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several fraudulent accounts that were supposed to be removed from my credit report. Although I appreciate that some of the disputed items have been deleted, the remaining fraudulent accountsXXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX , XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) are still being reported. I have not received sufficient documentation or confirmation from Experian, Equifax, or TransUnion verifying the legitimacy of these accounts or explaining their continued presence. This lack of response and failure to remove clearly fraudulent information is a direct violation of the reinvestigation requirements set forth under FCRA 611 and the accuracy obligations under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
Subject : Request to Remove Unauthorized Credit Inquiry XXXX, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. I reviewed my credit file and noticed that Creditors information : XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXXXXXX CARD XX/XX/XXXX Creditor information XXXX CARD I did not authorize these inquiries, nor have I had any dealings with this company that would permit them to access my credit information. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a credit inquiry may only be made with my explicit authorization. Since no such authorization was given, I request that this inquiry be removed from my credit file immediately. 

Please reinvestigate this matter and provide written confirmation that the unauthorized inquiry has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
Subject : Request to Remove Unauthorized Credit Inquiry XXXX, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. I reviewed my credit file and noticed that Creditors information : XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXXXXXX CARD XX/XX/XXXX Creditor information XXXX CARD I did not authorize these inquiries, nor have I had any dealings with this company that would permit them to access my credit information. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a credit inquiry may only be made with my explicit authorization. Since no such authorization was given, I request that this inquiry be removed from my credit file immediately. 

Please reinvestigate this matter and provide written confirmation that the unauthorized inquiry has been deleted.

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 2025-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
In XXXX, XXXX, I made a payment with a HSBC card, and the last transaction I made is XXXXXXXX XXXX. 

On about XXXX  XX/XX/XXXX, m

y account was closed by the HSBC N.A. All I was told is " that was totally a commercial decision, when I choose bank, bank also has the chance to choose me. '' I thought that was IRRESPONSIBLE! They even did not give me any opportunity to talk, to investigate or to negotiate. In my opinion, the US is a place full of liberty and human rights, and since that, I have to fight for my right, especially I did not defraud, deceive and use it for illegal activities. Now my accounts were all closed globally, specially in where it originates- XXXX XXXX. As a XXXX XXXX resident, due to the group shared XXXX XXXX, I can't be offered an account services, which is not inconvenient at all!

I have money, and they're all clean, and I can provide any proof and any information you need. The purpose of opening this account was legal.

I am INNOCENT, I can provide no-criminal-record, transaction detail as well as all the detail of the source of my money. And I would also be lovely to repay my credit card.

There's an old saying goes " Don't underestimate anybody, and Everything is like Business '' So, never miss any potential customer. Up until now, I think that the company was just only incautious to make a wrong decision, and I truthfully believe that we can figure out this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-25 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 authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/year> - Balance {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
This serves as my second formal follow-up demanding the permanent deletion of accounts and inquiries that remain inaccurately reported and unverifiable on my credit profile. These items continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCPA ). 
Please note that this letter is not a correction request but a formal demand for full deletion of the accounts and inquiries listed below due to noncompliance and lack of verifiable validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * Violations : FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ; FCRA 605B 15 U.S.C. 1681c-2 This account continues to report inaccurately despite a zero balance and lack of verifiable delinquency. No substantiated documentation or lawful evidence has been provided. Immediate permanent deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * Violations : FCRA 611 ( a ) ; FCRA 605B This account is being reported as Charged Off without evidence of balance or 1099-C issuance. As no valid proof of debt exists, this trade line must be permanently removed under the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance Owed : {$1800.00} * * Violations : FCPA 807 ( 15 U.S.C. 1692e ) ; FDCPA 809 ( 15 U.S.C. 1692g ) ; FCRA 605B 15 U.S.C. 1681c-2 This collection is reported without proper validation or notice of debt verification. Under FDCPA 809, collectors must provide verification before reporting ; absence of this constitutes unlawful reporting and requires permanent deletion. 
XXXX XX/XX/year> XXXX  XX/XX/year> Violations : FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; FCRA 605B 15 U.S.C. 1681c-2 These inquiries appear without permissible purpose or my consent. Under FCRA 604 ( f ), any access to a consumer report without a legally defined purpose is unauthorized and must be permanently deleted.

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 2025-10-25 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: TX

Complaint narrative:
I am begging you to please take a closer look at this because there are still inaccurate accounts showing on my credit report and they were not removed. I am truly desperate for you to review the documents I attached so I can finally stop living in constant fear over this.

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 2025-10-25 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:
I am begging you to please take a closer look at this because there are still inaccurate accounts showing on my credit report and they were not removed. I am truly desperate for you to review the documents I attached so I can finally stop living in constant fear over this.

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 2025-10-25 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: CA

Complaint narrative:
TransUnion is incorrectly reporting my credit file as deceased, which is not true. Because of this error, my file can not generate a resident score, and I am being denied rental housing and credit opportunities. 

In addition, my credit report contains multiple fraudulent accounts that I did not open. These accounts appeared after a data breach and are the result of identity theft. I have disputed these errors with TransUnion, but their investigation did not correct the problems. 

The fact that TransUnion has incorrectly flagged me as deceased is clear evidence that serious reporting errors have already occurred on my file. This deceased indicator demonstrates that my credit report is corrupted by inaccurate information, which further supports that the fraudulent accounts being reported in my name are not mine. 

TransUnions own SmartMove report also lists multiple fraud indicators, including that my address was reported as misused, has been used on multiple inquiries, and that a consumer fraud statement is already on file. This further confirms that my credit report contains serious errors connected to identity theft and reporting mistakes, yet TransUnion has failed to correct them. 

This inaccurate reporting is causing severe harm to me, including housing denials, damage to my credit reputation, and emotional distress. Because the FTCs identity theft system is currently closed due to the government shutdown, I am unable to file an FTC Identity Theft Report at this time, so I am seeking relief directly through the CFPB. 

I am also happy to participate in XXXX  verification to prove that I am alive! 

Requested Resolution : I am requesting that TransUnion : 1. Immediately remove the incorrect deceased indicator from my file.

2. Remove all fraudulent accounts related to identity theft from my credit report.

3. Provide confirmation in writing once these errors have been corrected. 

Because I am fleeing a XXXX  XXXX situation and urgently need safe housing, it is critical that my credit report be corrected immediately. The incorrect deceased indicator and fraudulent accounts are preventing me from securing a rental home. I can not wait the standard 30 days for resolution. I need my file corrected on an expedited basis so that I can relocate and protect myself.

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 2025-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JPMorgan Charged my account for and unauthorized pay to XXXX XXXX that I never did any such services with the amount was XXXX need to understand how was that payment authorized with service renderd.So Im Still Dispute that charge. And need a full Account of how that Payment was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-10-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
I attempted to withdraw money from XXXX XXXX to my PayPal account. PayPal required me to upload my ID for verification. As soon as I uploaded it, they permanently limited my account. The funds never arrived in my PayPal balance, and they also have not been returned to XXXX. 

PayPal has not given me a clear reason for this action and has not told me where my money is. I am unable to access or retrieve the funds I rightfully withdrew. I am requesting that PayPal either release the funds to me or return them to the sender ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I checked that there are some accounts indicated in my credit report that doesn't belong with me. Kindly check and make a necessary actions about it.

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