vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, XXXX XXXX XXXX XXXXXXXX XXXX , 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 * Fraudulent Accountsee attached document 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-07 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: TX

Complaint narrative:
On XX/XX/year>2025, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/scrub> 2025 that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I do not have this debt. I do not recognize this debt on my account. Someone stole my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I regularly buy video games, both adult and non, on XXXX. 

XXXX  was recently notified that certain games on XXXX may violate the rules and standards set forth by our payment processors and their related card networks and banks, and removed them as a result. 

Since then, credit card companies have not reversed or explained this policy change, and have additionally not clarified what these rules or standards are. 

I am concerned - I want to be able to spend my money to buy things without a monopolistic entity dictating policy. It's particularly ironic, given the money they make from Only Fans and other similar uses- which involve actual people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2014, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2014, Balance : {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX//2017, Balance : {$7200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
In 2023 I was told by the company in a message on the app that I was going against their TOS and have had my cash app closed. I appealed it and they still denied me. Never given a reason! I call and no answers are given. 

They cant even give me any evidence that I broke their Terms of Service. This is frustrating I never went against their TOS. They never gave me a reason why I was banned when I reached out. I have contacted the company several times and they continue not to answer my questions.

This is targeting and this just cant happen. My cash app was used for legitimate reasons and never went against the TOS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Three unauthorized transactions occurred beginning on XX/XX/scrub> 2025 and XX/XX/year>2025, resulting in the withdrawal of a total of {$4300.00} ( each transaction equated to {$250.00}, {$2800.00}, and {$1300.00} respectively ). These transactions were sent to a person named XXXX XXXX, with a Cashapp name as XXXX XXXX, both of whom I am unaffiliated with and have had no encounters with in the past or present. On or around XX/XX/year>2025, I was notified by XXXX XXXX  of these unrecognizable transactions and immediately reported all as fraudulent to both XXXX and CashApp. My CashApp claim number is XXXX. 

On or around XX/XX/scrub> 2025, CashApp emailed me denying my claim of unauthorized and fraudulent activity, for which I immediately, along with my attorney, requested the details of the investigation and was provided only a letter of denial. We have requested additional information as required under the recent Consent Order filed against Block , Inc. by the CFPB and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
PLEASE REMOVE IMMEDIATLEY OFF MY REPORT I AM VICTUM OF ID THEFT. FTC REPORT ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MN

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. XXXX1681c-2) that you, the Experian Credit Services , block information appearing on myXXXXconsumer credit report that is the result of identity theft and fraud within 4 business days ofXXXXyou receiving this complaint. The following items do not belong to me and is a result of fraud\nthat I did not authorizeXXXXAlso, would like to have all addresses and names REMOVED from my credit report, exceptXXXXfor my only name and address listed belowXXXXName: XXXX XXXXAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXACCOUNTSXXXXDPT EDXXXX XXXX Account Number: XXXX, Date Opened: XXXXBalance: XXXXDPT ED/XXXX XXXX Account NumberXXXX XXXX, Date OpenedXXXX XXXXBalance: XXXXXXXXDPT EDXXXX  - Account Number: XXXX Date Opened: XXXXXXXXBalance: XXXXDPT ED/XXXX  - Account Number: XXXX Date Opened: XXXXBalance: XXXXDPT ED/XXXX  - Account Number: XXXX, Date Opened: XXXXBalance: XXXXDPT ED/XXXX XXXX Account NumberXXXX XXXX Date Opened: XXXXXXXXBalance: XXXX XXXX XXXX  - Account Number: XXXX Date Opened: XXXX, BalanceXXXX XXXXXXXXXXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX BalanceXXXX  - Account Number: XXXX, Date Opened: XXXX Balance: XXXXINQUIRIESXXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX  DateXXXX XXXX XXXX XXXX  Date: 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 2025-08-07 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: NC

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with CitiBank or any of the affiliates. I have confirmed and advised CitiBank that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how CitiBank approved a credit under my name, without doing any further review and confirmation. Given the fact that CitiBank has the right to investigate and obtain all necessary information prior to approving any credits, CitiBank has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, CitiBank must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that CitiBank must comply with prior to approving any credit card/lines to anyone. Pursuant to CitiBank 's online advertisement, CitiBank encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from CitiBank stating that my information was used or attempted to be used in order to open an account. Thus, CitiBank has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, CitiBank violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for CitiBank to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of 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
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AUDIT SYSTEMS,INC
State: OH

Complaint narrative:
Hello, I have received calls for months from a company, that I have never dealt with. When I called the number back today, XX/XX/, on the call which is recorded. I asked can you tell what this is regarding. They don't tell me but want me to confirm personal information, before proceeding. No thank you. I have never received anything in the mail, but keep getting harassed to the point, I have blocked the number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
Summary for CFPB Claim Healthcare Finance Direct / XXXX I am filing a complaint against Healthcare Finance Direct ( HFD ) for continuing to charge my account after I revoked authorization, in connection with a failed agreement with XXXX ( XXXX ). 
Background : * I financed orthodontic aligners from XXXX through HFD in XXXX of 2023. 
* The aligners I received did not fit properly. XXXX acknowledged the issue and promised a replacement, which I never received. 
* Before fulfilling their service, XXXX ceased operations and filed for bankruptcy. 
Dispute with HFD : * I contacted HFD multiple times in writing to revoke authorization for further charges and dispute the validity of the debt. 
* Despite this, HFD continued to charge my account without consent and after services were no longer being provided by XXXX. 
* These charges were unauthorized and made after my clear notice of revocation. 
Legal Basis : * Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ( a ) ), I have the legal right to revoke preauthorized payments. HFDs continuation of charges after revocation violates this right. 
* Under the Fair Debt Collection Practices Act, I requested debt validation, which has not been properly provided. 
Supporting Documentation : I can provide : * Written communications with HFD requesting cancellation * Evidence of SmileDirectClubs failure to deliver services * Bank records showing unauthorized charges after my revocation Requested Action : * Cease all collection activity related to this account * Provide a full refund * Remove any negative credit reporting associated with this matter I respectfully request that the CFPB investigate HFDs conduct, as their continued debits after revoked consent are unlawful and unjustified. 

Sincerely, HFD customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-08-07 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XXXX, I opened an AffirmXXXX loan for a purchase on XXXX. That purchase had a partial refund and some confusion at the time, but my issue today is NOT about a refund. 

For years, I have been trying to pay off the remaining balance on this account so it will be marked Paid/Closed on my credit report. As of XX/XX/XXXX, XXXX still shows this Affirm/XXXX account with a {$51.00} balance ( see attached screenshot ). 

Since XXXX, I have repeatedly contacted Affirm via phone and email asking for payoff instructions. My most recent attempts were in XX/XX/XXXX and XX/XX/XXXX both of which were ignored. I have attached proof of these messages. 

In my original CFPB complaint earlier this year, I clearly stated that I wanted to pay off the loan. However, Affirms response mischaracterized my request as a dispute over a XXXX refund from XXXX. They did not address my actual concern, did not provide payoff instructions, and did not explain why my communications this year went unanswered. 

This is not a refund dispute. This is a request to pay the {$51.00} balance currently being reported to XXXX. By refusing to provide payment instructions or acknowledge my current request, Affirm is preventing me from resolving the account, which continues to negatively impact my credit. 

I am requesting : XXXX. Written payoff instructions for the {$51.00} balance on my XXXX  credit report. 
XXXX. An update to the account status to Paid/Closed after payment is received. 
XXXX. An explanation for why my multiple payment requests went unanswered. 

The files

Company response to consumer: Closed with explanation