vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
[ RE : ending in XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im XXXX XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. 
Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted written block requests to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) under FCRA 605B ( 15 U.S.C. 1681c-2 ) regarding fraudulent activity related to identity theft. 

Specifically, I requested the removal of the following accounts and/or late payment records, which were reported as delinquent due to identity theft : World Finance Fingerhut Lead Bank I included the following with my requests : A valid FTC Identity Theft Report Proof of identity and address A written block request referencing FCRA 605B These items were delivered via certified mail on [ insert mailing date ( s ) ]. Under the FCRA, the credit bureaus are required to block this information within 4 business days. As of today, no action has been taken, and the negative items remain on my credit report.

I am requesting the CFPBs assistance in enforcing my rights under FCRA 605B. These fraudulent accounts and/or late payments must be permanently removed from my credit report immediately, and I am owed written confirmation of the same.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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. 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 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.

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 2025-07-03 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: IA

Complaint narrative:
I may have signed up for XXXX on line for my business. I claimed it to be fraud but apparently I signed it online. It was attached to yelp advertising. So I disputed it ( XXXXXXXX XXXX XXXX XXXX I called XXXX many times asked for this to be stopped they claim they stopped & should get a refund. The account manager with XXXX is XXXX he claims as I was never charged but the credit card company says otherwise. I sent copies of my bank statement to them plus calling them. The Credit card company Chase say they will get the money back. But now that XXXX will not respond as its been to long. I just called chase back today to have it reopened as they agree that XXXX did charge me. I never received these paid services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I noticed XXXX separate {$200.00} XXXX transactions coming from my Wells Fargo business checking account on XX/XX/year>. These were not authorized by me and were clearly fraud. I called Wells Fargo to report it and they sent me a new card and temporarily refunded the charges. Then they came back later and said the charges were made by me, which they were not. {$400.00} was charged back to my account since one of the transactions was blocked by XXXX. Now Wells Fargo wont help me or give me back my money, even though I confirmed with XXXX that the charges were fraud. XXXX told me they could see on their end that the transactions were not done by me and they could see the name of the person who did it, and they had flagged it as fraudulent on their end. Wells Fargo said they never contacted 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
I am filing a formal complaint against Radius global solutions for attempting to collect a debt I do not owe. I have already requested a debt validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received proper documentation proving that I owe this debt. 

Despite this, Radius global solutions continues to contact me and has reported this alleged debt to the credit bureaus, which is negatively affecting my credit score.

I believe this collection activity is in violation of the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ), and I am requesting that the CFPB investigate this matter. Sent a written debt validation request on XX/XX/year> No proof of the debt has been provided Collector continues to pursue collection and/or report the debt

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My Veteran XXXX  compensation check was sent to USAA on XX/XX/XXXX and the bank is unable to locate the deposit. It was in the amount of {$2300.00}. The bank has closed my checking account and charged off and now stating that they never received deposit.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC
State: NC

Complaint narrative:
Disputed unrecognized accounts but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I am filing this complaint because a creditor is reporting late payments on my credit report during a time when my loan was in officially approved deferment. 

The account is with Lendmark Financial Services and it was placed into deferment with XXXX who I was advised no longer works for the company. He was working with me and my situation being a though I had XXXX and no income. I called to speak with someone about this and the woman I spoke with was not helpful, very XXXX  and my issue was not resolved which resulted in negative credit reporting and a charged off account which was out of my control. 

However, despite the account showing payment deferred status on my credit report, it is also being reported as 30/60 days late during that same period. 

Under the Fair Credit Reporting Act ( FCRA ), this is inaccurate no payment was due during deferment, and therefore, the creditor can not legally report missed or late payments for that time. 

I have contacted both the creditor and the credit bureaus, but the inaccurate information has not been corrected. This is hurting my credit score and affecting my ability to qualify for financial products. 

I am requesting that this account be corrected by removing any late payments reported during the deferment period and accurately updating the payment history to reflect the account as Current or Pays as agreed during the deferment timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCR

A Section 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request. The following fraudulent collection accounts have been identified as
unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that TransUnion immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to 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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw funds from my Cash App account, but I was notified that my account had been suspended without warning. I contacted support the next day ( XX/XX/XXXX ) and was told the account was under review by a specialized team. However, no reason was given and no timeline was provided. 

On XX/XX/XXXX, I requested a reference number and was given case number XXXX. I continued following up throughout XXXX, including on XX/XX/XXXX and XX/XX/XXXX, to clarify why my Cash App Card was disabled even though support stated the card should still work during a suspension. Their responses were vague and conflicting. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted support several more times. I asked if documents were needed or if I could speak with someone who could provide more details or escalate the issue. I was told repeatedly that no information could be shared and that I would be contacted via email if necessary. I was never contacted by the review team, and the card remains disabled as of XX/XX/XXXX. 

This has resulted in a complete inability to access my funds for over a month. No progress has been made, and the company continues to offer only generic replies with no resolution, no update, and no transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, while I was asleep, my brother unlocked my phone using Face ID and sent {$500.00} through my Chime account to someone I did not know or authorize. 

I discovered the charge shortly after and called Chime within 12 hours to report it. They opened a dispute and I provided text messages where my brother admitted to making the transaction without my permission. 

Despite this, Chime denied my claim on XX/XX/XXXX, stating it wasnt unauthorized. But I did not authorize or initiate this payment. Under Regulation E, this qualifies as an unauthorized electronic funds transfer, and I followed all necessary steps to report it quickly and provide supporting evidence.

Im asking the CFPB to help me get my {$500.00} refunded, as Chimes decision violates consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that EQUIFAX immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request.

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that TransUnion immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
At XXXX XXXX, I was gifted two American Express prepaid gift cards worth {$500.00} each. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Over the past several months I have been trying to use the cards to make purchases both in person and online. Whether it's at a grocery store, on XXXX, or for merchandise in person or online, every time both cards have been declined. When I finally called American Express on XX/XX/XXXX, they told me one of the cards had not been activated and that was the problem. But the second card had been active for months and still did not work, they did not explain this. The one they activated for me XX/XX/XXXX still did not work for me the next day, XX/XX/XXXX. I have been very frustrated and honestly, embarrassed trying to use these cards and consistently getting denied. I will attach some screen shots of orders I've tried to place in the last few days that have come back declined, however I have tried and been denied maybe a dozen times over the course of this year. Sometimes when I try place an order online the card is immediately declined and I can't complete the order at all. In these two cases, the order was first confirmed and then I was later notified that the purchase was not authorized and would be cancelled. I am happy to provide any additional information you may need, thank you for the assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
I have XXXX installment loans that appear to be violating state lending protections : XXXX. OppLoans / XXXX XXXX  I borrowed {$1600.00} with an APR of XXXX XXXX, making {$110.00} biweekly payments. Ive paid hundreds already, but still owe over {$1100.00}. 
XXXX. XXXX  XXXX XXXX I borrowed {$1400.00}, and Im being charged {$260.00} every XXXX weeks. The cost of this loan is unsustainable. 

Both lenders are using XXXX ( OppLoans ) and XXXX XXXX ( XXXX XXXX ) models to bypass XXXX XXXX XXXX  APR limit on short-term loans. These payment structures are financially debilitating and predatory. 

I am requesting CFPB review and enforcement to ensure these lenders comply with consumer lending laws and are not exploiting legal loopholes to trap borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I am filing this complaint to report gross negligence and possible misrepresentation by New American Funding during the origination of my mortgage loan in XXXX, which has now caused the collapse of a subsequent property sale in XXXX and resulted in substantial financial damages. 

In XXXX, I purchased a property with two structures : a stick-built home ( main residence ) and a manufactured home ( added later ). The original appraisal correctly identified the manufactured home as an accessory dwelling unit ( ADU ), consistent with XXXX XXXX lending guidelines. 

However, New American Funding communicated with the appraiser and had the report altered to classify the manufactured home as the primary residence and the stick-built home as an XXXX This classification was used to approve and close my loan despite the fact that this arrangement violates XXXX XXXX policy, which prohibits XXXXs from being larger than the primary home. 

I have a dated email from the loan officer ( XX/XX/XXXX ) acknowledging the confusion over the appraisal and the lenders efforts to clear the report through their appraisal department. 

In XX/XX/XXXX, I attempted to sell the property for {$270000.00}. The buyer also used New American Funding. This time, the new appraiser correctly identified the stick-built home as the primary structure and the manufactured home as the XXXX. The loan was denied by underwriting due to the same XXXX XXXX  rule that should have disqualified the loan in XXXX. 

A loan officer from New American Funding admitted that a mistake was made and the original loan should not have been approved.

Company response to consumer: Closed with explanation