vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
I am filing this complaint because Discover Card has reversed provisional credits for previously acknowledged fraudulent transactions on my account and denied my fraud claims without providing substantive proof of authorization. I have submitted multiple complaints before, but this submission includes new evidence, including a resubmitted FTC Identity Theft Report and confirmation of a filed fraud packet with the XXXX XXXX XXXX Police Department. 
What Happened Discover initially credited numerous transactions after I disputed them as fraudulent. These transactions were unauthorized, made without my knowledge, and occurred through spoofed payment methods ( e.g., XXXX XXXX, chip read ). Discover later reversed those credits, citing only that the transactions were conducted using authenticated methods. 

This reasoning is flawed and fails to meet the requirements of Regulation E and the Fair Credit Billing Act, which mandate that card issuers must provide actual evidence of consumer authorizationnot merely rely on the transaction method. No merchant documentation, forensic evidence, or terminal data logs were provided to justify Discover 's reversal. 

I have taken the following actions : - Submitted a resubmitted FTC Identity Theft Report ( ID : XXXX, filed XX/XX/2025 ) - Filed a fraud complaint packet with the XXXX XXXX XXXX Police Department on XX/XX/2025 ( awaiting report number from District XXXX Detective ) - Retained legal counsel ( XXXX  XXXX XXXX XXXX ) and prepared a draft complaint citing violations of 15 U.S.C. 1666 ( FCBA ), 15 U.S.C. 1693 ( EFTA ), and Missouri consumer law Discovers reversal of credits has resulted in double billing, interest accrual on fraudulent charges, and damage to my credit profile. Their repeated refusal to engage in good faith investigation and reliance on boilerplate denial letters violates 12 CFR 1005.11 and CFPB Bulletin 2013-07.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I found a fraudulent account on my credit report with all three credit bureaus. 

Account Name : CITI Account Number : XXXX XXXX XXXX XXXX XXXX Account Type : Flexible spending credit card Date Opened : XX/XX/year> Balance : {$6900.00} Payment Status : Collection/Chargeoff I have never opened or authorized this account. I never signed any application, agreement, or used such account, and I have never had any accounts in collections. 

I already filed an FTC Identity Theft report, and I am requesting that this account be removed from my credit report immediately as it is the result of identity theft.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
I use cashapp for my online business and recently started making a little bit more than usual. They instantly suspend my account with no warning after 3 years of being with them Ive reached out over 5 times about the {$400.00} dollars they are holding from me and havent received a response in over a month after countless efforts of trying to receive my money. Its ridiculous how hard it is to talk to someone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing this statement to provide context regarding the activity reflected on my credit report. The negative items that appear on my file do not accurately reflect my current financial responsibility or intentions. Several factors contributed to the issues reported, includingcredit card, XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX Collection account. {$300.00} past due as of XX/XX/XXXX. 
Balance XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past Status Collection account. {$1500.00} XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$450.00} past XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX  XXXX Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX -- Charge Card XX/XX/XXXX Closed Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Charge Card Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 


Since that time, I have made a sincere effort to improve my financial situation and address any outstanding obligations responsibly. I have also taken steps to ensure that any inaccuracies are properly disputed and corrected. 

Please understand that the circumstances that led to these entries were temporary and not indicative of my overall commitment to maintaining a positive credit history. I respectfully request that any lender or agency reviewing my report take this statement into consideration when evaluating my creditworthiness. 

Thank you for your understanding and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing this statement to provide context regarding the activity reflected on my credit report. The negative items that appear on my file do not accurately reflect my current financial responsibility or intentions. Several factors contributed to the issues reported, includingcredit card, XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX Collection account. {$300.00} past due as of XX/XX/XXXX. 
Balance XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past Status Collection account. {$1500.00} XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$450.00} past XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX  XXXX Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX -- Charge Card XX/XX/XXXX Closed Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Charge Card Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 


Since that time, I have made a sincere effort to improve my financial situation and address any outstanding obligations responsibly. I have also taken steps to ensure that any inaccuracies are properly disputed and corrected. 

Please understand that the circumstances that led to these entries were temporary and not indicative of my overall commitment to maintaining a positive credit history. I respectfully request that any lender or agency reviewing my report take this statement into consideration when evaluating my creditworthiness. 

Thank you for your understanding and consideration.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing this statement to provide context regarding the activity reflected on my credit report. The negative items that appear on my file do not accurately reflect my current financial responsibility or intentions. Several factors contributed to the issues reported, includingcredit card, XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX Collection account. {$300.00} past due as of XX/XX/XXXX. 
Balance XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past Status Collection account. {$1500.00} XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$450.00} past XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX  XXXX Company sold Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX -- Charge Card XX/XX/XXXX Closed Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX Account number XXXX Original creditor XXXX XXXX  Company sold Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Charge Card Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 


Since that time, I have made a sincere effort to improve my financial situation and address any outstanding obligations responsibly. I have also taken steps to ensure that any inaccuracies are properly disputed and corrected. 

Please understand that the circumstances that led to these entries were temporary and not indicative of my overall commitment to maintaining a positive credit history. I respectfully request that any lender or agency reviewing my report take this statement into consideration when evaluating my creditworthiness. 

Thank you for your understanding and consideration.

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 2025-07-17 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: NY

Complaint narrative:
b'With respect to Chapter 41: 15 U.S. Code  1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my most recent consumer report , there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an 2nd attempt to have my personal information amended to what is correct and truth standing.\n\nCertified Mail Tracking Number :\n\nEquifax  XXXX XXXX XXXX XXXX XXXX XXXXnTransUnion XXXX XXXX XXXX XXXX XXXX XXXXnExperian XXXX XXXX XXXX XXXX XXXX XXXXn\nPlease see the attached documents'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
b'With respect to Chapter 41: 15 U.S. Code  1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my most recent consumer report , there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an 2nd attempt to have my personal information amended to what is correct and truth standing.\n\nCertified Mail Tracking Number :\n\nEquifax  XXXX XXXX XXXX XXXX XXXX XXXXnTransUnion XXXX XXXX XXXX XXXX XXXX XXXXnExperian XXXX XXXX XXXX XXXX XXXX XXXXn\nPlease see the attached documents'

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 2025-07-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of charcter ). XXXX XXXX XXXX Balance {$25000.00}, XXXX XXXX Balance {$22000.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$480.00}, XXXX Balance {$850.00}, XXXX XXXX Balance {$740.00}, XXXX  XXXX Balance {$150.00}, XXXX  XXXX Balance {$420.00}, XXXX  Balance {$210.00}, XXXX  Balance {$210.00}, XXXX  Balance {$1600.00}, XXXX  Balance {$530.00}, XXXX XXXX XXXX  Balance {$3300.00}, XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX XXXX XXXX Balance {$2000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: AL

Complaint narrative:
I recently checked my credit profile and noticed information that was not correct. and was hindering my credit. These accounts are not correct and I am a victim of identity theft per under 15 U.S.C 1681i these accounts should be removed if not verified and accurate. Given these discrepancies, I demand that this closed account entry be deleted.

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 2025-07-17 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: AL

Complaint narrative:
I recently checked my credit profile and noticed information that was not correct. and was hindering my credit. These accounts are not correct and I am a victim of identity theft per under 15 U.S.C 1681i these accounts should be removed if not verified and accurate. Given these discrepancies, I demand that this closed account entry be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-07-17 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$130.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-07-17 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-07-17 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: OH

Complaint narrative:
I am writing to formally dispute the presence of accounts being reported under my name without my knowledge or authorization. I have never opened or managed these accounts, and their appearance on my credit report is both inaccurate and misleading. 
This misrepresentation of my financial history is completely unacceptable and has caused significant concern. I value the accuracy and integrity of my credit profile, and I am deeply troubled by the presence of these unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: RI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief