vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-07-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased two XXXX  XXXX  gift cards ( each worth {$200.00}, total {$400.00} ) from a XXXX store in XXXX, VA, using my personal credit card. The cards were legally purchased, and I have never been able to redeem them. 

Due to my overseas assignment as a XXXX XXXXXXXX  in XXXX ( XXXX XXXX XXXX ), I attempted to redeem the cards while abroad but received error messages. At the time, I was unaware that U.S.-issued XXXX  XXXX XXXX cards could not be redeemed from outside the United States . Believing it was a temporary system issue, I asked my spouse to try redeeming the cards using his account, but that attempt also failed. I suspect these failed redemptions may have caused the cards to be flagged or locked by Googles system. 

In early XX/XX/XXXX, I submitted a formal support request to Google. In accordance with their stated requirements, I provided : High-resolution photos of the front and back of the physical gift cards ( including the codes ) The original purchase receipt from XXXX A copy of my credit card transaction record On XX/XX/XXXX, Google replied with unclear language suggesting a mismatch between the redemption and complaint accounts. I responded promptly, explained the situation, and requested clarification. I followed up again on XX/XX/XXXX, clearly stating that I was temporarily back in the U.S. and would be departing again on Thursday, XX/XX/XXXX. I emphasized the urgency and asked that the issue be resolved before my departure. A support agent acknowledged this, said they would flag it internally, and promised the issue would be resolved by XX/XX/XXXX. That promise was not fulfilled, and I have received no meaningful response since. 

Despite providing all required documentationincluding clear images of the cards, the receipt, and my payment recordand explaining my situation in detail, Google has consistently failed to take any concrete action. They have not unlocked the cards, assisted with redemption, issued replacements, or offered a refund. Instead, I have received nothing but repeated template replies and broken promises. At this point, Google has shown no accountability or willingness to resolve a straightforward case involving gift cards purchased through legitimate channels. 

Case numbers : XXXX and 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 2025-07-20 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: OH

Complaint narrative:
Hi, I am a victim of identity theft and I did not comit the crime. I did reprt the identity theft once to the Federal Trade Comission and inclde Federal Trade Cmission 's Identity Theft Affidavit copies.

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 2025-07-20 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: NC

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 victim 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 605B of the Fair Credit Reporting Act.

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 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
They charge off debt as profit loss and never provided a 1099c Which is a violation to remain on my credit report while they use it as a tax write off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-07-20 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:
" Equifax responded to my dispute regarding an inaccurate entry for XXXX XXXX XXXX XXXX XXXX by stating the item was not reporting. Ive included screenshots proving the item is still present on my Equifax credit report as of XX/XX/scrub> 2025. This is a false or negligent reinvestigation, violating my rights under the Fair Credit Reporting Act ( FCRA 611 ). I request this item be permanently deleted due to failure to validate and improper reinvestigation. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: OH

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 victim 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 605B of the Fair Credit Reporting Act.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have reached out to XXXX XXXX XXXX, all three Agencies are reporting the following account open when in fact this account has been closed as of XX/XX/year>. All three are stating it's accurate without proof it's closed, Best Buy/Cbna has stated it's been reported and yet it's reporting inaccurate balance when in fact the account is closed. DISPUTE BASIS I am formally disputing the account for inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account was CLOSED in XX/XX/year> and should reflect a {$0.00} balance with closed status. FCRA VIOLATIONS 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Section 611 ( a ) ( 1 ) ( A ) XXXX, XXXX XXXX, failed to conduct a reasonable reinvestigation of this disputed item. The account status and balance are factually incorrect. 
2. 15 U.S.C. 1681e ( b ) - Section 607 ( b ) XXXX XXXX XXXX, are reporting inaccurate information by showing an open account with a {$1300.00} balance when the account is closed with a {$0.00} balance. 
3. 15 U.S.C. 1681s-2 ( b ) - Section 623 ( b ) The furnisher ( Best Buy/CBNA ) has violated their duty to investigate and correct inaccurate information after being notified of the closure. LEGAL NOTICE XXXX, XXXX XXXX continued reporting of inaccurate information after this formal dispute constitutes willful non-compliance with the FCRA. Failure to correct this within 30 days may result in legal action for actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o.

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 2025-07-20 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:
Creditor : XXXX XXXX  Partial Account Number : * XXXX Reported Status : XXXX through XXXX XXXX XXXX. 

I have repeatedly sent letters and made numerous phone calls to TransUnion and Equifax to correct the reported status of this account. I have also contacted XXXX. This account was not included in bankruptcy. My bankruptcy was filed XX/XX/year>. This account was opened XX/XX/year> and was closed in XX/XX/year>. This account was never listed on the bankruptcy. Please reinvestigate. I ask that the account status be updated to closed. Not included in bankruptcy which is factually inaccurate, or the account removed from my reports. My XXXX  reports were corrected by deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
There are fraudulent accounts, names, and inquiries on my Equifax report. IN addition to what was listed the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent. The address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX is also fraudulent. Please remove these fraudulent accounts, inquiries, and names from my credit report. They are stopping me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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 am filing a complaint against Cash App XXXX 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX through Experian and followed up with a Method of Verification ( XXXX  ) request on XX/XX/year>. 
No documents or proper verification were provided. Instead, the account continues reporting as a collection past due as of XX/XX/year>, even though the original creditor ( XXXX ) is no longer listed with a verified Date of First Delinquency ( XXXX  ). 
This is a violation of FCRA 623 ( a ) ( 5 ) and 611 ( a ) ( 7 ).

I am requesting deletion or correction of this tradeline, and a full explanation of the verification process used.

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 2025-07-20 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: PA

Complaint narrative:
I just received notification that my score is now XXXX due to increase in student loan balance Trans union equifax and experian are breaking the law and are reporting inaccurate info on my credit report I was at XXXX and they have destroyed my score due to invalid Information I had a bankruptcy come off my credit and then they added back on illegally and that information is illegal also they have so many errors they will not fix due to disputes but the main reason Im filing this complaint is because they lowered my score XXXX points due to the fact that my student loans increased but the reason this is illegal is because my student loans are current and in deferred status I like to know why they think they can just break the law I make all my payments on time but my student loans again are in deferred status I like to know who is Messing up my score so badly I also still am suffering from the identity theft which I supported valid legal court documentation which they recieved to remove all closed fraud accounts of my report which they still have not done instead they are selling fraudulent debt to companies which is highly illegal Im done playing with the credit bureaus they have caused me a, out of headache and suffering this needs handled immediately and accordingly so many new collections which are against the law keep popping up when they were court ordered to remove all the closed accounts after XXXX  XXXX bankruptcy and also they are to remove the bankruptcy as well due to invalid info now if they do not comply I will sue them accordingly again the worst part is they say that they cant find me in their system which is just another way to deny taking accountability for their XXXX up

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 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XXXX  XXXX XXXX in XXXX, XXXX. Forged and Falsified a ( XXXX XXXX XX/XX/XXXX XXXX Retail Installment Sale Contract. Kia Finance Agent XXXX XXXX FORGED MY SIGNATURE that I purchased a XXXX XXXX XXXX XXXX. I was NEVER there at Kia dealership. For 2 years Kia refused to send me copies of contract purchasing documentation. After I found out this Illegal Action I immediately and Voluntarily Repo the car to be pickup in XX/XX/XXXX. Kia Never received any photocopies of my Gov-ID or Social security Numbers to Purchase this car.

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 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid Synchrony Bank for a personal loan on XX/XX/XXXX through EFT. Company has not posted the payment and is saying I'm past due even though I already paid them the agreed amount. The money is in their account. They need to apply the payment and credit the late fee. This is the 3rd occurrence. I will not be making anymore payments to the creditor until the account is fixed. If they continue with the calls and emails about this happening again I will take legal action.

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 monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
TransUnion allowed XXXX XXXX to put false and fraudulent information on my credit report. Ive never had an account with XXXX XXXX XXXX. Ive never been contacted by XXXX XXXX or XXXXXXXX XXXX XXXX regarding an account. I dispute the validity of this debt. This is fraud. And if the debt is valid, it is identity theft. It is fraud. It does not belong to me.

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 2025-07-20 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: FL

Complaint narrative:
I was in the process of purchasing a house and a car when I discovered inaccurate negative information ( damages ) reported on my credit report. I believe these items are incorrect and violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). According to this law, consumer reporting agencies must ensure maximum possible accuracy and can not report information that misrepresents my character or creditworthiness. 

I have not authorized nor do I acknowledge the validity of these negative entries. I request that these damages be fully investigated and removed from my credit report if they can not be verified according to the requirements of the law.

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 2025-07-20 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:
Starting in XX/XX/year> I started disputing the inaccuracies I found on all 3 of my credit reports. I did a round of 2 disputes and after each round I was notified that my disputes were updated and verified with no proof of investigations. I received only this information via email. I am filing my first complaint with hopes that I will receive the appropriate assistance in helping remove innacurate information from my credit report that is effecting my credit worthiness. The proof of my disputes and other documents will be attached to this complaint.

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 2025-07-20 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: AR

Complaint narrative:
I am writing to formally dispute XXXX unauthorized hard inquiries and request their immediate removal from my Equifax credit report. I recently reviewed my credit file and found the following inquiries that I did not authorize and have no knowledge of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have never applied for credit with either XXXX XXXX XXXX XXXX XXXX nor have I provided authorization for these institutions to access my credit report. As outlined by the Fair Credit Reporting Act ( FCRA ), a permissible purpose and consumer consent are required to obtain a credit report. Since no such permission was granted, these inquiries are both unauthorized and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
The company is reporting 2 accounts on my report that are not mine they are my mothers and sisters and I have not made any purchases on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief