vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 am reaching out regarding a fraudulent account appearing on my credit report. I have no affiliation with this account and did not consent to its creation.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
They ( upgrade bank ) suspended my account and froze my funds on XX/XX/year> without any reason. It has been over a month since then, and I have contacted them several times, but they only responded that the account is under review and can not provide any timeframe for lifting the suspension. I am currently unable to withdraw my funds, which has affected my life and work. Please help resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  XXXX breach XXXX Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX XXXX - Opened on XX/XX/XXXX - Balance {$120.00} XXXX XXXX XXXX - Opened on XX/XX/XXXX - Balance {$1600.00} XXXX XXXX IN - Opened on XX/XX/XXXX - Balance {$15000.00} XXXX XXXX- Opened on XX/XX/XXXX - Balance {$370.00} XXXX XXXX - Opened XX/XX/XXXX - Balance XXXX INQUIRIES ON MY CREDIT REPORT : Credit Acceptance, XXXX XXXX, XXXX XXXX XXXX CO, XXXX XXXX, XXXX Card Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ). 

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ). 

I trust that XXXX  will handle this matter promptly and in compliance with federal law. 

Thank you for your immediate attention to this urgent 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
So I have a banking account with Cash App, I have their card and got my money direct deposited there as well. They just XXXX day decided to lock my account but would never provide any details. They sent XXXX initial email and I replied the same day with XXXX updates. I call as well regularly and am told the same thing, that they cant help and I just have to wait for an email. Its been over a month of them holding my money. I have over 2000 $ they have kept from me and I have missed paying bills and have expressed this to them but they will not help. I have the emails as well. 
Also my full name is XXXX XXXX. I missed a letter when filling out the initial account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally response is irreverent to what the issue is. I already know all the information that they sent. The issue is WHO MADE A PAYMENT TOWARDS MY ACCOUNT on XXXX. Im not understanding why its so difficult for this to be resolved. You are correcting piece by piece instead of fixing the issue at one time. This is why you keep getting these complaints! It needs to be removed. I very serious about this matter. Cut the XXXX! This issue is again and again, remove this last payment date and change it BACK TO XXXX. Ally is going all around what the real issue is. Im not stupid. They must be! Its clear they dont want to show this transaction because there was never one. We can go back and forth with this. All that contractual bull they submitted was again, irrelevant. I CLEARLY know what the circumstances were. CORRECT THE LAST PAYMENT DATE TO XXXX OR SHOW THE CFPB AND XXXX  the transaction and I in return will show my bank statements of no payment ever being made in XX/XX/XXXX. This is not resolved until my account is corrected to the way it was before you all started submitting inaccurate information. They have the documentation of my credit reports with this inaccurate payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 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: AZ

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they aren't reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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  The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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  The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-18 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: KY

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 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 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Charged Up charging fees from XXXX XXXX, I had XXXX XXXX for about a year back in 2023. Never received check for a reimbursement due to the Lawsuit that was passed for XXXX XXXX. I also, cant log in to the account anymore to retrieve any of the statements but I have my account information. I recently heard about the situation and immediately took action. The consumer finance department is having a hard time being able to access my information so its looking as if I never had an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, received an e-mail from American Express at XXXX to XXXX on XX/XX/year>, with a Premium Offer to earn XXXX membership rewards points after spending {$20000.00} within the first 3 months of Card Membership as well as a confirmation of Pre-approval for the Business Platinum Card, providing that offer. The offer was valid through XX/XX/year>. 

On XX/XX/year>, I proceeded with that offer and applied for the Business Platinum Card with American Express. I have met all the obligations as a customer to meet the offer requirements to receive the promotional bonus and exceeded the {$20000.00} required for spending within the first 3 months of the Card Membership : I spent {$9300.00} in XXXX, 2025, the first month ; {$10000.00} in XXXX, 2025, the second month ; {$3300.00} in XXXX, 2025, the third and last month, totalling {$23000.00}. 

American Express failed to honor the bonus despite my meeting the terms of their offer for the Business Platinum Card Membership and denied benefits without cause. On XX/XX/XXXX, I contacted American Express ' customer service to clarify the reason for the denial. They were not able to share the reasons immediately and started the internal investigation. I have never been contacted by the American Express Team with updates regarding this issue, and I have been following up with their various Teams up to XX/XX/year>. On XX/XX/year>, when I called American Express, I was notified that their escalation house Team completed the internal investigation process and concluded that I would not receive the bonus. I haven't been provided with the reasons for the denial. On XX/XX/XXXX, I called American Express again to request a written explanation, and my request was denied. 

American Express failed to follow their Premium Offer to earn XXXX membership rewards points after spending {$20000.00} within the first 3 months of Card Membership, despite my eligibility. 

Therefore, I am kindly asking for your involvement with this matter, so I can receive the written explanation of the initial denial and receive the XXXX membership rewards points. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I submitted a written dispute to ConServe requesting a full investigation into XXXX accounts they are reporting to all three credit bureaus. The first account ends in XXXX and the second ends in XXXX. I received responses for both accounts ; however, the investigations were inadequate and did not meet the standards outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. ConServe failed to conduct a reasonable investigation or provide documentation verifying the accuracy of the reported information. Since they did not complete a sufficient investigation within the required XXXX period, they are obligated under FCRA to XXXX reporting these accounts. As of now, XXXX continues to report both accounts, despite not meeting their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Whom It May Concern, I am writing to correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX IA, XXXX. That is my only address. 
Please update my name to : XXXX XXXX XXXX. That is my only name. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IA

Complaint narrative:
Whom It May Concern, I am writing to correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX IA, XXXX. That is my only address. 
Please update my name to : XXXX XXXX XXXX. That is my only name. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 explanation