vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports and discovered multiple unauthorized accounts and hard inquiries that I did not open or authorize. I believe I am a victim of identity theft. 

These fraudulent accounts and inquiries are severely impacting my credit score and preventing me from moving forward with essential life goals. Most critically, I am in the process of purchasing a home for my family, and this situation is blocking my ability to qualify for a mortgage. 

The unauthorized accounts include, but are not limited to : XXXX XXXX Opened XX/XX/XXXX, credit limit : {$500.00} XXXX XXXX XXXX Opened XX/XX/XXXX and XX/XX/XXXX, balances : {$1700.00} and {$460.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, charged off XXXX XXXX ( formerly SIMP ) Opened XX/XX/XXXX, balance : {$1700.00} XXXXXXXX XXXX Opened XX/XX/XXXX, credit limit : {$1000.00}, balance : {$1300.00} ( Note : I was unable to include XXXXXXXX XXXX in the FTC Identity Theft Report due to a system limitation, but it is a fraudulent account and should also be addressed. ) I did not authorize these accounts or credit applications, nor have I ever conducted business with these institutions. Furthermore, I am requesting the immediate removal of all related hard inquiries, as they were made without my consent. 

Legal Protections Supporting My Request : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I have the right to request the blocking of fraudulent information that results from identity theft.

The Fair and Accurate Credit Transactions Act ( FACTA ) an amendment to the FCRA gives consumers the right to place fraud alerts and remove fraudulent accounts from their credit file.

According to 15 U.S. Code 1681i, credit bureaus are legally required to reinvestigate and remove inaccurate or disputed information within 30 days of the request. 
I have also filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) to support this claim. 
Request : I respectfully demand that all affected credit reporting agencies ( TransUnion, Equifax, Experian ) and listed financial institutions : Permanently delete the fraudulent accounts and associated data. 
Remove all unauthorized hard inquiries tied to these accounts. 
Update my credit file to reflect an accurate and verified history. 
This issue is urgent and deeply personal. I am trying to provide safe, permanent housing for my family, and this unjust damage to my credit report is preventing me from achieving that goal. I request your immediate attention and cooperation in correcting my credit file. 

Thank you for your time and for taking this matter seriously.

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 2025-06-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Earlier this year I was involved in a scam where I was trying to trademark my company name through an online legal representative called XXXX XXXX. A lawyer with this fake law firm by the name of XXXX XXXX led me to believe there was a lawsuit against my newly formed company trademark. This lawsuit amounted to a $ XXXX settlement that was to be awarded to my company, XXXX XXXX XXXX XXXX XXXX XXXX provided legitimate-looking court documents and set up fake court hearings for me and my wife to interact with. In order to proceed with the court hearings, I needed to pay legal fees to XXXX XXXX to their account XXXX XXXX XXXX. XXXX XXXX continuously pressured me into sending these payments with the total amount being paid in access of {$100000.00}. XXXX XXXX extorted and coerced me to send money to his law firm through several transactions, most of them being through XXXX XXXX. All of the credit card charges through XXXX XXXX were disputed and issued a refund. There were XXXX transactions made through XXXX XXXX, XXXX being a {$26000.00} debit card transaction which I disputed and also won. The last being a {$7000.00} credit card charge made on XX/XX/year> to XXXX XXXX XXXX via XXXX for the pending settlement of this lawsuit. I initially disputed this transaction and before I was able to send over all of my evidences to prove my argument, they denied my dispute. I was given no in-depth explanation of why it was denied and later tried to re-dispute the charge and XXXX XXXX never XXXX to my message. It has been almost XXXX weeks now and I have not heard back from XXXX XXXX regarding this re-dispute. I can not open a dispute on this charge because I already disputed the transaction in the past. Every other credit card and debit card charge to XXXX XXXX XXXX ( all for the exact same service ) was disputed and won, except for this {$7000.00} charge which was prematurely settled in XXXX XXXX XXXX 's favor. XXXX XXXX ( XXXX XXXX XXXX ) is a criminal organization and I need to redispute this last transaction. I have filed reports with the FBI, FTC, and local police. I have a plethora of evidence to support my claim that I did not receive the service that I was paying for under false pretenses. After disputing these charges initially, XXXX XXXX XXXX provided fake evidence to support their claim, altering the story and creating a fake email conversation with me by using an email that is similar to my personal email but is not an email that is registered to me. They forged my signature on several documents as well and misspelling my name and signature. This company also stole my identity and drivers license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

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 proce 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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CO

Complaint narrative:
Us bank at XXXX XXXX XXXX XXXX XXXX XXXX co was my bank for about 4 years had never had a fraudulent check or any bad transaction that I knew of when I first opened the account I went in to get an account for myself and for a representive payee account for my younger brother I lether know we both needed direct deposit and she got all of my info and set the account up not explaining things at all and there for I did not understand the ins and outs of this account. Ended up our direct deposit were being deposited in the same account for 2 yrs then my brother moved away and I let them know nothing was ever changed and I got my checks deposited over the next 2 yrs,, then in XX/XX/year> one of my good friend was in an accident and was gon na loose everything unless he got his check cashed and I felt I needed to helps I endorsed them the electronically but them in my account. I honestly did not know it was still a representative payee account when I reported that I was not told the account should have been closed then 2 yrs ealier or that i could not put that check or any check in that account well after I had deposit 2 checks they locked my account and put it on a hard hold and said thet had reason to believe the checks would not be paid out the checks totaled XXXX both did pay out and were in the account as well as my ssi check was deposited after the account was locked they sent me a cahier check but in XXXX of the XXXX said they were not going to accept the check XXXX or the Check for XXXX both check were good checks and they said they were still being held did not say if and when they would be sent to me. So I made a mistake because I did not understand some things and nor was it explained but I don't think that because of one mistake that all of my money in the account should be returned please help me to get the money back that they are holding if they were not fraudulent will they be Sent tback and if not what happens to them I'm no longer banking with that bank.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-08 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit report health.

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 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After 14 years of banking with Bank of America, all of a sudden out of nowhere, my account was closed immediately after I filed a dispute with another company. Well, it hasnt been closed. Its restricted so I cant do any actions, but theyre still taking deposits on my account. The account had a negative balance, and they have told me that tell that amount is in the positive the account will remain open. I asked for the balance at the time of restriction and the subsequent deposits that have been made to the account and every time I do this, when I ask a specific question or detailed question about the balance, the phone call drops mysteriously. This has happened three times now. All Im asking for are the amounts of the credits in the amount of the overdraw. Because according to my records, it should now be in the positive by over {$100.00} but according to their records, it is still - {$41.00}. And they refuse to give me this information so I have no choice but to seek assistance from you in order to get these basic account information. Its a shame that this company after so many years banking with them has decided to act this way with me. So many people told me horror stories about Bank of America and I was pleasantly on the other side, until I wasnt. Dont bank with Bank of America 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 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: AL

Complaint narrative:
I am XXXX days past due on my auto loan with United Auto Credit, but I have been making regular payments to resolve the balance. I scheduled a {$1300.00} payment for XX/XX/year>, and another for XX/XX/year>. However, United Auto Credit disabled my access to online and app-based payment systems, and refused to accept ACH or debit card payments. 

Instead, they demanded I send cash via XXXX XXXX or call them by phone, despite my written request for email-only contact ( under FDCPA 1692c ). I have made multiple attempts to pay and was blocked. I have screenshots showing payment access was disabled. 

I sent a written legal notice disputing their use of the term default and requested a copy of my original contract, but I received no reply. Then they cut off my ability to pay onlineeffectively creating a default by obstruction. 

This conduct violates : 15 U.S.C. 1692f unfair collection practices 15 U.S.C. 1638 TILA disclosure and payment rights 15 U.S.C. 1692e misrepresentation of legal status of a debt I want payment access restored, their system corrected, and all adverse action halted. They are also refusing to escalate to legal or provide documentation of the debt. This is an abusive and retaliatory practice. Please investigate immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My XXXX XXXX seems to take significant hits with all XXXX credit reporting agencies. Recently I had student loans reported as late to all XXXX agencies and they all decreased my score by almost XXXX points. Recently I a credit card I received a year ago charged me an annual fee that I was not aware of and my score went down another XXXX points for paying late. All my accounts that I have are all in good standing ; credit cards, car loan and mortgage. These XXXX items hit my score so hard I am now in the mid XXXX from an almost a XXXX score. To top it off I just paid down my credit cards and my score decreased another XXXX points! I feel like I am being discriminated against because I am XXXX. I have friends that are white and none of them have their credit scores hit for more than XXXX when they have been late paying. XXXX friend in particular is in foreclosure. Has not paid his mortgage in XXXX  years and his XXXX XXXX is a XXXX! How is that even possible besides there being some discriminatory practices going on with the credit agencies? Not only that, I was just told by my student loan company that if I was on state assistance they would remove the negative reporting from account but since I do not receive assistance they cant help me. This is all discrimination. I would like TransUnion, Equifax, Experian and XXXX financial investigated for racially profiling me as a consumer of XXXX and of being a working class citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My XXXX XXXX seems to take significant hits with all XXXX credit reporting agencies. Recently I had student loans reported as late to all XXXX agencies and they all decreased my score by almost XXXX points. Recently I a credit card I received a year ago charged me an annual fee that I was not aware of and my score went down another XXXX points for paying late. All my accounts that I have are all in good standing ; credit cards, car loan and mortgage. These XXXX items hit my score so hard I am now in the mid XXXX from an almost a XXXX score. To top it off I just paid down my credit cards and my score decreased another XXXX points! I feel like I am being discriminated against because I am XXXX. I have friends that are white and none of them have their credit scores hit for more than XXXX when they have been late paying. XXXX friend in particular is in foreclosure. Has not paid his mortgage in XXXX  years and his XXXX XXXX is a XXXX! How is that even possible besides there being some discriminatory practices going on with the credit agencies? Not only that, I was just told by my student loan company that if I was on state assistance they would remove the negative reporting from account but since I do not receive assistance they cant help me. This is all discrimination. I would like TransUnion, Equifax, Experian and XXXX financial investigated for racially profiling me as a consumer of XXXX and of being a working class citizen.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I settled this account with XXXX back in 2022. I was also being double billed between XXXX and the company that took them over recently had this taken off my credit report reached out to them to have the late payments and everything removed. I was told it was gon na and they still havent done anything 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 non-monetary relief
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
A XXXX XXXX account ( starting with XXXX ) was fraudulently opened in my name. I submitted a formal dispute with the credit bureau XXXX XX/XX/2025 and included a police report proving identity theft. I received a notice the same day stating the account " meets the requirements of the FCRA '' and would remain. This violation of FCRA Section 605B, which requires blocking of fraudulent accounts upon receipt of proper identity theft documentation.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a copy of my credit report. I noticed there were multiple errors including names, addresses, and with some of the accounts. I furnished a copy of my Drivers license and a copy of my XXXX Benefits statement from the VA both verifying my Name and address. I disputed the fraudulent and inaccurate names addresses and accounts with the bureau and in less than a matter of hours they came back and said that the information was accurate. Even though I had provided them my legal State drivers license. A Real ID at that. One of the addresses is in Indiana and I have never lived in Indiana in my entire life. The others are addresses of my former spouses so I can only assume that they used my name and information to open accounts in my name without my knowledge. The credit bureaus do not investigate information at all. They do not look at any relevant documents that were provided and they dont require any documentation from the creditors to certify debts. All a clear violation of my rights. All I wish is for only three forms of my name to be on my credit report which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only address that should be on file for more than 7 years is XXXX XXXX XXXX, XXXX SC XXXX. All other addresses locations or likenesses are either expired, not mine, or fraudulent and likely identity 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have fraud alerts on all three of my reports but when I open new credit lines they do not contact 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have fraud alerts on all three of my reports but when I open new credit lines they do not contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Dispute of Inaccurate Account XXXX XXXX # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the following account ( s ) currently listed on my credit report : Creditor Name : XXXX XXXX Account Numbers : XXXX I am not aware of any such debt and have never received proper notice or documentation regarding these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely and adequate notice of any debt being reported, as well as the opportunity to dispute it before it is listed on my credit file. 

If you believe proper notice was sent, please provide a copy of the original notification, including proof of delivery via Certified Mail and a signed receipt showing I accepted the notice. If no such documentation exists, I respectfully request that you immediately remove these accounts from my credit report. 

Failure to verify the validity of these accounts or to respond in accordance with federal law may leave me no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering additional legal action if necessary. 

Please provide a written response within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation