vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute the XXXX  7 bankruptcy currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify the accuracy and source of this public record.

Specifically, I request the following : The full name and address of the source that provided this bankruptcy information. 

A copy of the documentation you used to verify the accuracy of the record. 

Proof that the bankruptcy was obtained from a court that directly furnishes such data to your agency. 

If you can not verify this record with the original source, I request that you delete it immediately in accordance with FCRA Section 611.

Additionally, I have contacted the court, and they have informed me that they do not report or furnish bankruptcy data directly to credit bureaus. Therefore, this item is not verifiable through an original furnisher, and I request it be removed. 

Please complete this investigation within the 30-day window as required by federal law, and send me a written response with your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
I am a victim of identity theft. TransUnion is currently reporting fraudulent data on my credit file, including unauthorized accounts and hard inquiries that I never applied for, authorized, or initiated. 

Specifically, I am disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dated XX/XX/XXXX This is not a misunderstanding or a question of accuracy it is identity theft. I discovered this in XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a full 605B identity theft block request to TransUnion. It included : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of address A current credit report identifying the fraudulent entries Under federal law, TransUnion is legally obligated to block this information within XXXX business days of receipt. That deadline is XX/XX/XXXX. 

Per FCRA 605B ( c ) ( 1 ), TransUnion has no discretion. No reinvestigation is permitted. No furnisher confirmation is required. TransUnion must comply. If it fails to do so, it is not just negligent it is in willful violation of federal law, subject to immediate civil liability under 616 and 617. 

I am documenting this complaint with full expectation of enforcement. Failure to comply will escalate to 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 non-monetary relief
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
Complaint Summary : I am filing this complaint against Experian for noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that consumer reporting agencies must block fraudulent information related to identity theft upon receiving valid documentation. 

I am a victim of identity theft. The following fraudulent accounts and inquiries appear on my Experian credit report and must be permanently blocked : Fraudulent 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 Fraudulent 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 I did not authorize or initiate any of the above. These are the result of identity theft not a mistake or inaccuracy. I discovered this fraudulent activity in XX/XX/year>. 

On XX/XX/year>, I submitted a full identity theft block request to Experian, including all documentation required by FCRA 605B ( b ) : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Recent credit report showing the fraudulent data Per FCRA 605B ( XXXX ) ( XXXX ), Experian must block this information within XXXX business days of receipt no later than XX/XX/year>. There is no discretionary review permitted. Input from furnishers is not required or relevant. Experian is legally obligated to block and remove these items upon receipt of the complete package. 

Any failure to comply constitutes a direct violation of federal law and exposes Experian to liability under FCRA 616 and 617.

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 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Received two letters in the mail from CASHNETUSA with amounts that were past due. Never received any email notifications or any account information regarding this loan. Only started to receive phone calls and letters when a pst due balance was determined. Never took out a loan with this amount and never took a loan out from this company. Looking to see when the loan was taken out whose name its under, email address, phone number, and any other pertinent information in the event somebody took this loan out fraudulently under my name. I dont even have an account login to see what this loan is in regards to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My us bank card is being used by other people without my permission and they have been using my identity and information to pay for transactions not authorized! My bank account is constantly being hacked and my funds are being taken! This is a ongoing problem and I have a elderly person over XXXX XXXX XXXX and my identity has been compromised and my funds stolen! The extended stay motel on XXXX XXXX in XXXX XXXXXXXX XXXX has double charged my bank cards and they forged my signature on receipts! I paid cash and they also charged my credit cards chase and us bank cards were charged for stays on the same day! My us bank card has also been used to charge my card for metro phone bills that they duplicated the charges to my account!

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 2025-07-06 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in relation to the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : [ Use masked format, e.g., ending in XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Credit Limit : {$2600.00} Date of Last Payment : XX/XX/XXXX Date Closed : XX/XX/XXXX The account in question has been reported as a charge-off by all three major credit bureaus. However, both Equifax and Experian continue to report monthly charge-off statuses extending through XXXX, despite the fact that the account was closed in XXXX and no further payments or account activity has occurred since. 

According to FCRA regulations, furnishing outdated or misleading derogatory informationsuch as repeated charge-offs after the closure dateconstitutes inaccurate reporting. I respectfully request that the credit reporting agencies : XXXX. Remove all charge-off entries dated after XX/XX/XXXX, the last valid reporting period after the account closure. 
XXXX. Ensure that the tradeline is reflected accurately across all bureaus. 

Please complete your investigation of this matter and provide a response in writing within the XXXX period required under the FCRA. I have attached copies of the credit report excerpts from each bureau for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in relation to the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : [ Use masked format, e.g., ending in XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Credit Limit : {$2600.00} Date of Last Payment : XX/XX/XXXX Date Closed : XX/XX/XXXX The account in question has been reported as a charge-off by all three major credit bureaus. However, both Equifax and Experian continue to report monthly charge-off statuses extending through XXXX, despite the fact that the account was closed in XXXX and no further payments or account activity has occurred since. 

According to FCRA regulations, furnishing outdated or misleading derogatory informationsuch as repeated charge-offs after the closure dateconstitutes inaccurate reporting. I respectfully request that the credit reporting agencies : XXXX. Remove all charge-off entries dated after XX/XX/XXXX, the last valid reporting period after the account closure. 
XXXX. Ensure that the tradeline is reflected accurately across all bureaus. 

Please complete your investigation of this matter and provide a response in writing within the XXXX period required under the FCRA. I have attached copies of the credit report excerpts from each bureau for your review.

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 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental wellbeing, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial wellbeing. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) COMENITYCAPITAL/ROSS Amount XXXX {$660.00} Date Opened:XXXX XXXX ) XXXX Amount : {$780.00} Date XXXX XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date XXXX XXXX ) XXXX XXXX Amount : {$660.00} Date XXXX XXXX ) XXXX XXXX Amount : {$780.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX ) XXXX  XXXX FCU 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 2025-07-06 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental wellbeing, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial wellbeing. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) COMENITYCAPITAL/ROSS Amount XXXX {$660.00} Date Opened:XXXX XXXX ) XXXX Amount : {$780.00} Date XXXX XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date XXXX XXXX ) XXXX XXXX Amount : {$660.00} Date XXXX XXXX ) XXXX XXXX Amount : {$780.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX ) XXXX  XXXX FCU 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 2025-07-06 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 silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-06 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: TX

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. 

FIRST XXXX XXXX # XXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX # XXXX XX/XX/year> -- {$530.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-07-06 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:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL 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 COLLECTIONS 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 PUBLIC RECORDS : XXXX XXXX XXXX  FL 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, XXXXXXXX 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 2025-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
the following is a copy of the letter i sent to Capital 1 after speaking with a supervisor. 
The supervisor told me to send them this letter last week to review my information. 
I did send them the letter along with copies of emails that i requested a delivery date or a refund. 

They just responded I'm too late! 

it appears they didn't give my response any consideration. 

I asked them why they put a limit on recovery time and was there some kind of law that allowed them to close the case with no resolution.. THEY REFUSED A RESPONCE TO THAT QUESTION. 


There was a communication problem with capital XXXX. Now they are saying it too late to get my money back I have not received any response from XXXX or XXXX regarding when they will ever intend to ship the bikes I paid for back in XXXX of XXXX. 

XXXX only seemed concerned after the funds were removed. 
. 
The XXXX website showed that bikes were to be shipped to earlier customers ' orders back on XX/XX/XXXX. 

Emails were sent to XXXX and XXXX requesting when they would ship. They never responded to the request, but they did find time to send solicitations. 

Additionally, I tried calling both XXXX and XXXX. There was no response from either to my calls. 

XXXX XXXX no response to multiple calls XXXX XXXX doesn't work. 

They are still showing a delivery date XX/XX/XXXX on the website ( at this time ). 

Please note I never received any notes or updates by XXXX mail or message from XXXX XXXX. 
I just found your email from XXXX. The person I spoke with at Cap 1 told me they would mail me a letter that I was supposed to respond to. They unfortunately forgot to mention it would be electronic. We were expecting US mail. So after receiving a refund and more contact from XXXX XXXX. We believed all was good. 
I receive XXXX of emails every week. That's why a follow would have helped. 

I do believe there should have been some follow-up and contact from Cap 1 before rebilling me for this order. This came as an unexpected expense I was not aware of until the bill arrived. Luckily, I had a couple of XXXX XXXX  available. 

I should add XXXX has a XXXX office and a website that shows the same model bike I ordered as available for purchase, and states shipping is free and can ship within 3 days of order. 

I received an email from Cap 1 about how they protect your customers from fraud just a couple of days ago. 

Emails were sent to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Please call or email if you have any additional questions. 


I would appreciate a refund as soon as possible. 

Thank you XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
I went to jail on XX/XX/year> til XX/XX/year>. My phone with my cash app on it was stolen and I did not know these transactions were taking place And I also have proof that I was in fact XXXX  on the dates that these transactions took place and I never used my phone nor did it get booked in the county with me. And I tried to dispute it through cash app when I was released by the XXXX XXXX XXXX and I disputed the transactions and they closed out my account so I would like to please come to a resolution about my cash app account and my money that was fraudulently stolen please and thank you

Company response to consumer: Closed with explanation