vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX 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 2025-08-10 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-10 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-10 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: FL

Complaint narrative:
i called the co XXXX XXXX XXXX XXXX They did not do the fraud loan take this off my credit report Reported to XXXX XXXX XXXX police case number XXXX XXXX XXXX office id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
i called the co XXXX XXXX XXXX XXXX They did not do the fraud loan take this off my credit report Reported to XXXX XXXX XXXX police case number XXXX XXXX XXXX office id 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 2025-08-10 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 non-monetary relief
Consumer complaint received 2025-08-10 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:
b'On XXXX XXXX XXXX, I filed a dispute with Equifax regarding inaccurate late payment entries for a *XXXX XXXX XXXX account ending in XXXX\nThe disputed entries were:\n\t\XXXX XXXX XXXX days late (1 status)\n\t\XXXX XXXX XXXX days late (2 status)\n\nOn XXXX XXXX XXXX less than 24 hours later, Equifax returned its investigation results (Dispute Confirmation XXXX XXXX) claiming the account was verified by XXXX XXXX XXXX. The late payments remained on my file.\n\nThis rapid turnaround raises serious doubts that Equifax conducted a reasonable reinvestigation as required by 15 U.S.C.  1681i(a)(1)(A). A legitimate investigation should involve contacting the furnisher, reviewing actual account records, and evaluating the evidence I provided  which cannot be reasonably completed in less than a day.\n\nSpecific Violations:\n\t1.\tFailure to Review All Relevant Evidence ( 1681i(a)(4))\nI submitted proof that XXXX XXXX XXXX verification documents did not match the account reported.\n\t\tAccount on my credit file: XXXX XXXX XXXX XXXX\n\t\tAccount on XXXX XXXX XXXX statement: XXXX XXXX XXXX XXXXnEquifax ignored this account number mismatch, which proves no proper document matching was performed.\n\t2.\tFailure to Conduct a Reasonable Reinvestigation ( 1681i(a)(1)(A))\nReturning results in under 24 hours suggests reliance on XXXX automated dispute codes rather than a substantive review.\n\t3.\tFurnisher Noncompliance ( 1681s-2(b))\nXXXX XXXX XXXX did not provide evidence tied to the reported account, yet Equifax continued to report the late payments.\n\t4.\tMetro 2 Compliance Violations\nThe Credit Reporting Resource Guide (CRRG) requires:\n\t\tLate payment codes must be supported by verifiable evidence.\n\t\tThe Date of First Delinquency must be accurate.\n\t\tAccount identifiers in documentation must exactly match the reported account.\nThese standards were not met.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: MO

Complaint narrative:
I made a purchase with Klarna on XX/XX/XXXX for {$340.00}. My first payment of XXXX was posted XX/XX/XXXX. The remaining balance of {$250.00} was paid XX/XX/XXXX. I now have a pending charge of {$85.00} that was charged to my account yesterday XXXX. When I received a text notification of the charge at first I thought it was a late text of the previous charge until I logged into my account and it was overdrawn and fees applied due to the erroneous double charge. I contacted customer support ( screenshots of the conversation have been included ) with not only XXXX assistance but was disconnected with no resolution and recieved a message that my chat had been " escalated ''. I know have charges Klarna was not only not authorized to make but is submitting fraudulent for a purchase that was paid in full as of XX/XX/XXXX. I have now had to go through the weekend not only contacting them for hours a negative account which has not only impeded our families plans for the weekend but has caused other purchases to be declined and additional fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing my sixth CFPB complaint against Equifax regarding their repeated, willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equifax is refusing to investigate my disputes as required by law and is instead sending a nearly identical form letter for each dispute, demanding that I verify my identity despite having an open credit file for over 9 years and 2 months containing all my personal information including my full name, date of birth, and address and actively reporting accounts, such as a XXXX XXXX XXXX. 

Pattern of Violations : 1. Repeated refusal to conduct a reinvestigation in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation within 30 days of receiving a consumer dispute.

2. Improper requests for identity verification when Equifax already possesses my complete identifying information and has an active file in my name, in violation of 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), which allows a CRA to decline a reinvestigation only if it has a reasonable belief the dispute was made by someone other than the consumer. There is no reasonable basis here Equifax continues to furnish my credit data to third parties and clearly knows my identity. 
3. Failure to respond to prior CFPB complaints filed starting XX/XX/year>, in violation of CFPB complaint handling standards and the FCRAs obligation for timely dispute resolution. 
4. Obstruction and delay tactics that amount to bad faith under 15 U.S.C. 1681n, which allows for statutory and punitive damages when violations are willful. 

Evidence : Equifax credit file has been open in my name for over 9 years and 2 months. 
Credit reports from Equifax show active tradelines and accounts with my identifying information. 
Five prior CFPB complaints with no substantive resolution. 
Multiple letters from Equifax for each dispute all with nearly identical language requesting identity verification despite having my full information already. 

Legal Position : Equifaxs repeated demand for identity verification in this context is not a legitimate reason to refuse a reinvestigation. Under 15 U.S.C. 1681i ( a ), a consumer reporting agency must conduct a reinvestigation when the dispute is received directly from the consumer. The burden is on Equifax to ensure accuracy they can not use duplicative identity requests as a pretext to avoid compliance. 
This conduct appears to be a systematic attempt to evade FCRA obligations, constituting willful noncompliance under 15 U.S.C. 1681n, entitling me to statutory damages of {$1000.00} per violation, actual damages, and punitive damages.Attachments : Copies of Equifaxs repetitive identity request letters.

Copies of my Equifax credit reports showing my full identifying information. 
CFPB complaint history logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY LAST PAYMENT ON CHASE BANK CREDIT CARD ENDING IN XXXXXXXX XXXX XXXX 

CALIFORNIA STATUTE OF LIMITATIONS FOR CREDIT CARD DEBT IS 4 YEARS. 

HOWEVER, CHASE STILL HAS BEEN SENDING ME LETTERS IN THE MAIL EVERY MONTH TO COLLECT THIS OLD DEBT, WHEN THE STATUTE OF LIMITATIONS HAS PASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
Subject : Identity Theft Dispute and Request for Deletion of Fraudulent Account Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and a data breach, and that fraudulent information has been added to my credit report without my knowledge, authorization, or consent. 

Disputed Account Details : Creditor Name : XXXX XXXX  XXXX Account Number ( Partial ) : XXXX Status : Negative / Fraudulent This account does not belong to me. 
This account was fraudulently opened as a result of identity theft. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that this fraudulent account be blocked and permanently deleted from my credit file within four ( 4 ) business days from the receipt of this notice and accompanying documentation. 
FCRA Provisions Referenced : 15 U.S.C. 1681c-2 ( 605B ) : Identity Theft Blocking 15 U.S.C. 1681i : Procedure for disputed accuracy 15 U.S.C. 1681e : Obligation to maintain reasonable procedures to ensure maximum possible accuracy My Formal Requests : Immediately block and delete the above-referenced account under FCRA 605B .

Conduct a reasonable investigation into this matter in accordance with FCRA 1681i. 
Provide all original documentation ( such as signed applications or agreements ) that proves this account belongs to me. 
If no such documentation exists, the account must be removed. 
Send written confirmation of the outcome of your investigation and what actions have been taken. 
Attached Supporting Documentation : Copy of my government-issued photo ID ( Drivers License ) Copy of a recent utility bill or official mail ( proof of address ) Copy of my FTC Identity Theft Report and/or Police Report Documentation of the XXXX  XXXX Breach Settlement XXXX evidence of compromised personal data ) These materials support my claim that I am a victim of identity theft and that I did not authorize, apply for, or open the XXXX XXXX  account currently listed in my credit file. 
Please treat this matter as urgent and legally binding. If the fraudulent account is not removed in compliance with federal law, I will pursue further action by filing formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office Thank you for your prompt attention. I look forward to receiving your written confirmation that this account has been successfully removed 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 2025-08-10 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App for retaining and merging account contact data from another persons account onto mine, which caused an unauthorized transaction to the wrong recipient. 

I allowed someone to log into their personal Cash App account using my phone. After they logged out, and I logged mine back in, my own Cash App account began displaying contacts from that other persons account. These are people I have never sent or received money from. 

On XX/XX/year>, I attempted to send {$100.00} to a friend but accidentally sent it to XXXX of these contacts that came from my friends account. This individual is a complete stranger to me. I never added them to my contacts, never transacted with them, and they are not in my phones address book under my account. 

I contacted Cash App immediately to request reversal of the payment. They refused, stating that because I authorized the payment, they can not reverse it. However, their own terms and policies clearly state they can reverse peer-to-peer payments at their own discretion. So there is no absolute prohibition. 

This issue is not merely about a mistaken payment. The root cause is that Cash App retained and commingled my friends account data with mine after she logged in on my device. This caused me to have access to her contacts without permission, leading to a financial loss. 

There is also nothing in their terms that explicitly state that they are unable to cancel or reverse XXXX payments. They state multiple times how they take protecting their customers money very seriously, yet wont reverse a payme made by mistake which would have never happened if my account didnt end up with my friends cash app contacts. 

I am requesting that Cash App : XXXX the {$100.00} transaction to the unintended recipient. 

Explain why their system retains and merges contact data from other accounts that log in on the same device, and what safeguards are in place to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 accounts listed below are the result of identity theft. I have contacted each creditor directly, but they have not yet removed these accounts from my credit file. Please reach out to them on my behalf to help resolve this matter. XXXX XXXXXXXX {$3000.00} XXXX, Experian, XXXX XXXXXXXX XXXX * * * * {$8600.00} XXXX Experian, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX, Experian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX Experian, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$470.00} XXXX Experian, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX Experian, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX Experian, 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