vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2025-06-12 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: FL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I found multiple loans listed on my credit report that I did not apply for or authorize. These accounts are fraudulent and have negatively impacted my credit score. I reported the accounts to all three credit bureaus ( XXXX XXXX and TransUnion ) and requested an investigation and removal. 

Despite submitting a detailed dispute with proof of identity theft and requesting removal, they claimed the information was accurate and refused to remove the accounts. I believe no proper investigation was conducted, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have since submitted an identity theft report to the FTC and am requesting that the credit bureaus remove these accounts immediately. 

I am requesting the CFPBs help to force the credit bureaus and/or the original creditor to comply with federal law, conduct a legitimate investigation, and remove the fraudulent accounts from my 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 non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am submitting this complaint to formally report the continued presence of false, outdated, and unauthorized personal information on my credit reports, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to correct these recordsincluding submitting a detailed dispute letter on XX/XX/year>, along with an FTC Identity Theft Report and supporting documentation ( government-issued ID and a utility bill ) the credit bureaus TransUnion, Experian, and Equifax have failed to take corrective action. 

Timeline of Discovery and Efforts to Resolve : XX/XX/year> : I discovered multiple incorrect names and addresses on my credit reports. 

XX/XX/year> : I sent formal written disputes to TransUnion, Experian, and Equifax with documentation verifying my identity and outlining the false information. 

Despite this, the credit reporting agencies have not fulfilled their legal duty to reinvestigate and correct the inaccuracies. 

Specific Demands for Deletion and Correction : I demand that you take the following steps without delay : DELETE ALL Incorrect and Unauthorized Information Names to delete ( including but not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to delete : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX WA, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX RETAIN ONLY THE FOLLOWING ACCURATE AND VERIFIED INFORMATION Full Legal Name : XXXX XXXX XXXX XXXX and Only Valid Address : XXXX XXXXXXXX XXXX  XXXX, CA XXXX Legal Violations : FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a timely and thorough reinvestigation of disputed information.

FCRA 1681s-2 ( a ) : Furnishing information with actual knowledge of errors.

FCRA 1681c ( f ) : Reporting outdated or unverifiable personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
Any deviation from Metro 2 or FCRA standards jeopardizes the integrity of the data you report. This is a serious compliance issue. I demand that all information you report is accurate, fully verified, and properly formatted. The claims listed in your report are disputed and remain unconfirmed.

I am formally requesting that you DELETE all false and unverifiable accounts from my credit report immediately. If left unresolved, these errors could cause serious financial harm. I will not accept anything less than 100 % factual accuracy. Only fully verified, lawfully reported, and Metro 2-compliant data should appear on my report.

Accounts being challenged : XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX Both accounts are factually and legally impossible. You can not list an account as Current while also reporting multiple 90-day and 120-day late payments. That directly violates Metro 2 formatting logic and FCRA 1681e ( b ), which requires data to be reported with maximum accuracy.

This contradictory information is incomplete, unverifiable, and materially misleading. DELETE these accounts unless you can provide complete, matching verification of both account status and delinquency history across all three CRAs. Under FCRA 1681i ( a ), you are required to reinvestigate and correct inaccurate or unverifiable data.

Additionally, I demand you provide documented proof of a legitimate, lawfully authorized purpose for reporting these accounts. If you fail to comply, I expect immediate deletion of any unverified or false reporting made against me without full legal basis.

I am also aware of your potential use of automated or pre-scripted form letters in response to consumer disputes, which may violate FCRA 1681i. Each dispute must be addressed individually on its own merit. If you disregard the content or source of my dispute letters, this could be considered a willful violation of my rights under federal law. I reserve the right to escalate this matter legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB
State: TX

Complaint narrative:
MY WALLET WAS STOLEN AND MY PERSONAL INFORMATION WAS COMPROMISED PLEASE REMOVE ALL COLLECTIONS CHARGE-OFFS AND LATE PAYMENTS NEGATIVELY IMPACTING MY CREDIT PROFILE PERMANENTLY IMMEDIATELY UTILIZING 15 USC 1666b , 15 USC 1637 ( b ), 15 USC 1681s-2 , 15 USC 1681i, 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ), 1099-C, 15 USC 1666b, 15 USC 1681i, 15 USC 1681s-2 .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX WI XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXX, XXXX XXXX Balance {$3000.00} Open Date XX/XX/XXXX, XXXXXXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX, XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX, XXXXXXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX, XXXXXXXX XXXX  Balance {$470.00} Open Date XX/XX/XXXX, XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX Inquiries 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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
l am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My name is XXXX XXXX. My mother XXXX XXXX passed away in XXXX. She has been a long time customer of yours. I have been trying to get into her safety deposit box because there are items in there we our family need. My understanding is that because I was a " deputy '' I am not able to do that. I understand this however it was not explained to me very well. I reached out to the bank branch in XXXX where the box is located and spoke with XXXX. He said I needed to petition the court. I did this. However that was all he explained. I went and got the petition per his request. I took the petition into the branch on XX/XX/XXXX around XXXX. I spoke with your teller XXXX, she was wonderful. Your manager XXXX was returning to lunch and XXXX began to explain what the situation was, XXXX was however not professional with me. She clearly didn't know what she was doing. She made phone calls to get information, which I understand. She was not explaining what she was doing or why. She kept changing what she told me and my aunt XXXX XXXX who had called her shortly after I left. Then after about 20 minutes of this and much frustration I was FINALLY able to get into my mom 's box. I was not allowed to take MY items in the box I needed besides the burial plot information. The box contained MY birth certificate and MY car title. I was just told they belonged to my mom because they were in the box. I understand this is a law. However XXXX was rude in her explanation. By the time I was looking through the box I was in tears because of the level of frustration and lack of kind explanation. I finally told XXXX that she had no empathy for my situation of what I was going through in losing my mother and grieving. She said she had empathy, but she had to follow policy. I understand having policies. What I didn't appreciate was the way she talked to me. She could not even get straight that it was my mother who passed away and not my dad until I corrected her several times! It was on the computer screen for crying out loud! There was no apology of any kind for her actions. I was not treated with respect or compassion by XXXX! I left your branch very hurt and in sobbing tears because the way I was treated. So now I have more work to do in the midst of my grief because XXXX didn't explain to me what I needed to do. XXXX needs to learn compassion for her customers and understand what they are dealing with in their personal lives. I deserve to be treated like a human being who is grieving and just lost their mother. Not have policies thrown at me like I am supposed to know the inner workings of your bank. 

If you have any further questions do not hesitate to call me at XXXX. I will not speak to XXXX on this matter any further due to her rudeness and lack of compassion. 
-- This is the Huntington Bank in XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

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

1681c-2 ) that you, the Experian 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. 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 Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I am writing to formally raise a complaint against Capital One Bank regarding the unjustified restriction of my personal bank account, the rejection of my valid identification documents, and the denial of access to my legally deposited funds. 

Account Details : Bank Name : Capital One Bank Account Holder : XXXX XXXX Account Number : XXXX Date of Account Opening : 2023 Method of Opening : Online, with identity verification over a phone call using my foreign government-issued ID Case Summary : In 2023, I opened an account with Capital One Bank online . The bank verified my identity at the time of account opening, including a live phone call where I provided my foreign identification documents. The account was approved, and I began using it without issue. 

Since then, I have been actively using this account for transactions. However, after I recently made a series of deposits, Capital One suddenly restricted my account without prior notice or explanation. 

Upon contacting their support multiple times, I was informed that I would need to physically visit a Capital One branch to lift the restriction. I explained to them clearly that I am not in a position to visit a U.S. branch due to my location. Despite that, they continued to demand in-person verification.

Worse, they are now rejecting the same identification documents that were previously accepted at the time of account opening. This is both unreasonable and unethical. I am being denied access to my own funds without any alternative verification method being offered.

My Request : Immediate reinstatement of access to my account and funds.

A formal written explanation for the restriction.

A remote identity verification method ( video call, notarized documents, embassy confirmation, etc. ).

Compensation for the delay and stress caused by this unreasonable restriction.

Attachments : Copy of foreign ID used at the time of account opening I am attaching my past statment of this account to make sure that, this accounts belongs to me Screenshot of account restriction Conclusion : I believe that Capital One Bank 's actions may constitute : Unfair withholding of customer funds Breach of contract Discrimination based on foreign identity Failure to provide reasonable means of verification I am seeking immediate intervention to resolve this issue. Please consider this letter a formal request for investigation and redress.

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check via mobile deposit on XX/XX/year>. The check is from the Dept of Treasury and it was flagged, they placed a hold for the funds to be released XX/XX/year>. They sent an email to the Dept of Treasury on XX/XX/year> to verify the check. They restricted and closed my account on XX/XX/year>.... It's now XX/XX/year>.... I verified the check status through the Dept of Treasury check verification system ( TVCS ) and it's been verified and paid. Chase bank claims they have to wait for the email confirmation from the Dept of Treasury even though TVCS shows the check was paid and chase system showing the check was funded. It's been 90+ days and Chase is illegally holding my funds beyond a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief