vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : Disputed Account ( s ) : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file.

Addresses to Remove : 1. Incorrect Name - XXXX XXXX XXXX XXXX. Incorrect DOB - XX/XX/XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. EMPLOYER - XXXX XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 
Unauthorized Inquiry Deletion Demand FCRA 604 You are reporting one or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal. 
Inquiries to Remove : XXXX. XXXX XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-11 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
In XX/XX/year> XXXX hard inquiries placed on my credit that I did not authorize the auto dealership to process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Dear Experian, XXXX, and CFPB Please review the attached letter Based on Experians reporting on Account # XXXX Alleged Creditor Name : XXXX XXXX XXXX XXXX the account started in XX/XX/XXXX with a 46 month term, which means it shouldve ended around XX/XX/XXXX. But its somehow showing 180 day late payments from XX/XX/XXXX through XX/XX/XXXX, then a charge off in XX/XX/XXXX, and even more charge offs continuing all the way into XX/XX/XXXX. 
How is that even possible? The loan already expired in XXXX. Theres no way it should still be reporting late payments or new charge-offs after the contract was over. That kind of reporting is inaccurate and damaging, it makes it look like the account stayed active just to drag out the negative impact. 
How was this verified? Because if anyone checked the terms, none of this reporting shouldve been allowed. 
Im not asking for a correction. Im demanding this account be deleted. The way its being reported 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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent money through the Cash App account in the amount of {$85.00} however the person does not have Cash App. The money is pending and the app is suppose to give me the option to cancel the transaction since its not completed. I called for assistance but the rep was unable to help telling me it has to pend for 14 days. I requested a supervisor and was told they only communicate through email. I am requesting assistance to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I have a debt amount of XXXX that is claimed to be medical debt from my fault I owe. This was suppose to be paid by another company I worked for at the time and does not fall on me. They have also been contacting and call me and my finance multiple times in violation of HIPPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my cash app account was hacked and someone used my cash app that was linked to my bank information to make XXXX purchases back to back totaling XXXX. 
I contacted them on the XXXX when I logged into my bank account and I noticed I owed my bank XXXX because of the overdraft fees added to the XXXX charges. 
I contacted cash app, and XXXX directly to notify them of this fraud and they stated it would take 10 days to receive a resolution to my dispute. 
Additionally cash app asked for evidence so I sent screen shots of the bank transactions and the emails I received with the corresponding information. All on the XXXX. 
Today I received an email from cash app stating my dispute is denied. Without any further information. I called to see if I can talk to someone about this and they told me that there was no one who I can speak to that I would get an email with that information if Id like. 
I asked how they protect consumers information on their app to alert people of possible fraud considering there was XXXX transactions in XXXX day and still tell me that they did an investigation. But can not share the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-11 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX 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!

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 2025-07-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing XXXX XXXX and has severely impacted my XXXX XXXXhe process of addressing these errors has been both XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I hope this message finds you well. I am reaching out to you on this lovely Friday evening to request an appeal/dispute for my accoung closure. Basically, when I signed in today, as I normally do, Cash App notified me this time and says its shutting down ny account becaue of activity that goes against the company! If you review my account, withdrawals and my sent/recieved funds, youd see this is a HUGE mistake. As I use my cash app account WEEKLY, if not daily. I didnt do anything wrong or out of the ordinary. Matter of fact, I wasnt even using my cash app in the last few days, maybe past XXXX days slightly. I do not understand why my account is being closed. This is causing me tremendous stress and is mighty inconvienent because I use my account so often and Ive been a loyal Cash Apo Account Holder for YEARS Now. I dont deserve this. If theres anything I can do, please get back with me as soon as possible considering this issues takes XXXX  daya atleast to resolve. I dont actually have the type of time to have my account on hold for NO REASON. Very inconvienent and such a hassle. I am very disgruntled & upset at this baffling and crippling mistake. You can always reach me at XXXX or XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Refund was send but finance company requested more information from dealer. Called dealer numerous times with no solution. Finance company reached out to deal er with no reply.

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 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Previously I had a situation with the bank XXXX by XXXX XXXX, in which they ( XXXX ) immediately after opening an online XXXX account with them, locked the account and claimed they couldn't verify my identity. I later tried to withdraw my funds ( {$10000.00} ) from XXXX by means of an external transaction initiated via Ally bank through my XXXX XXXX XXXX account with them. A few days after I got a notice that the transfer was cancelled, and my Ally account locked. I called Ally and they explained to me that XXXX needed to verify my account with them ( Ally ) on the line. Unfortunately it went nowhere and I was forced to file a complaint with the CFPB and the BBB against XXXX. In response, XXXX reinstated my access to my account. I proceeded to call Ally and notify them that XXXX has cleared me and I wished to be able to clear my account at Ally as well. Ally said that my account was locked and will remain locked until an investigation was finished. I explained that the matter started because of the transfer with XXXX, but they still declined to answer me in this regard and that I had to wait for their investigation, on which they declined to answer me why XXXX was being done or how long it would take. To this day, I still do not have access to my account, and Ally has been non-responsive for months.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was charged {$1000.00} from a travel website but did not authorize or recognize the charge. Claimed fraud with Chase and they claimed they received information from the merchant that matched my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
b'This is a follow-up to a prior complaint XXXX. On XXXX XXXX XXXX, I contacted Mohela and was on hold for over XXXX XXXX hours. When I spoke with representative XXXX XXXX  she confirmed I remain in administrative forbearance, not by request, but due to Mohelas application of XXXX  injunction policy.\n\nShe stated I cannot resume XXXX-qualifying payments, and Mohela is unable to provide a timeline for repayment resumption. I requested written confirmation and a supervisor; I was transferred to a supervisor line, but no one was available. I was forced to press a callback option with no estimated response time.\n\nI have now lost over a XXXX of XXXX progress, despite continuous full-time public service since XXXX  XXXX. Mohela has failed to provide a path forward, and continues to deny borrower rights and transparency.'

Company response to consumer: Untimely response