vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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:
It shows that I have a couple of credit cards on my credit report i've never applied for these credit cards I don't normally check my credit report every single month or year cause I don't lose my credit like that I have requested and sent out a letter to each credit bureau and each creditor requesting documents to validate this debt and I have not received anything to show proof all I have received is an update from the credit bureaus saying that this debt is validated and is accurate as I believe this is false I know by the law of the credit bureau they are requests to validate this and to show me proof of validation and I have not received anything it's been over three months and I know they have only 30 days to validate this account or that account needs to be deleted and nothing has been done

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 2025-04-10 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:
It shows that I have a couple of credit cards on my credit report i've never applied for these credit cards I don't normally check my credit report every single month or year cause I don't lose my credit like that I have requested and sent out a letter to each credit bureau and each creditor requesting documents to validate this debt and I have not received anything to show proof all I have received is an update from the credit bureaus saying that this debt is validated and is accurate as I believe this is false I know by the law of the credit bureau they are requests to validate this and to show me proof of validation and I have not received anything it's been over three months and I know they have only 30 days to validate this account or that account needs to be deleted and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-10 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: AR

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 2025-04-10 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear BBB and CFPB, I am filing a formal complaint against JPMorgan Chase Bank for unjustifiably blocking payments to XXXX, a legitimate XXXX e-commerce platform, despite the following facts : 1. Successful Prior Transactions : I completed XXXX payments to XXXX via Chase without any issues. 

2. Correct Payment Information : All details, including card number and billing address, were accurate for the third attempt.

3. Inconsistent Security Enforcement : Chase allows payments to other merchants, such as XXXX and XXXX, under identical conditions. This raises concerns about discriminatory treatment of XXXX platforms. 

Key Issues : Blocked Payment Methods : Both my Chase debit card and Apple Pay, linked to the same account, were declined without a valid explanation. 

No Fraud Alerts : Chase did not issue any fraud warnings or request verification. 

Double Standard : If security were the issue, why are payments to other platforms permitted? 

Requested Resolution : 1. A detailed explanation for the block on XXXX payments. 

2. Immediate removal of any unwarranted restrictions on my account.

3. Investigation into whether XXXX policies unfairly target XXXX businesses. 

Attachments : Screenshots of declined transactions, with sensitive data redacted. 

Proof of prior successful payments to XXXX. 

Any correspondence with Chase regarding this issue. 

This pattern suggests either flawed risk algorithms or biased merchant categorization by Chase. I urge your office to hold Chase accountable under consumer protection laws. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume 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 explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
IM A FRAUD VICTIM THERE ARE TWO NEW ACCOUNTS THAT WAS OPEN UNDER MY NAME STUDENT LOANS I AM NOT A STUDENT LAST TIME I WAS IN SCHOOL AND GRADUATED WAS IN 2011 THIS IS FRAUD. THESE LOANS ARE COMING FROM THE DEPARTMENT OF EDUCATION AND XXXX XXXX. PLEASE INVESTIGATE THESES ACCOUNT. ALSO, THIS LOAN IS SHOWING TWO DIFFERENT ADDRESSES IN XXXX AND EXPERIAN. PLEASE INVESTIGATE.

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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I refinanced my car through Capital One Auto Finance on XX/XX/XXXX. I submitted all required paperwork ( including Power of Attorney and drivers license ) by XX/XX/XXXX. The original lienholder ( XXXX ) released the title to the Ohio XXXX on XX/XX/XXXX, and the XXXX database shows the title is currently free and clear. 

Capital One has failed to process the title transfer to Illinois for over 5 months, despite repeated calls and escalations to their internal Escalation Managers. My Ohio registration expired on XX/XX/XXXX, and I now can not register or drive the car legally in Illinois. 

This has caused legal risk, financial hardship, and forced my family to use rideshare services for commuting. I continue to make loan and insurance payments on a car I can not legally drive. Capital One told me they had everything they needed as of XX/XX/XXXX, yet no further progress has been made. 

Then, on XX/XX/XXXX, I was told that Capital One still needs to obtain the title from Ohio, contradicting all prior statements. This has been an ongoing cycle of misinformation, delay, and inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-10 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-04-10 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume 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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc.
State: OR

Complaint narrative:
I am writing to formally dispute late payment entries on my credit report associated with my Auto loan account : United Finan ( Account # XXXX ) Late payments reported in XX/XX/year> and XX/XX/year> I have never had any late payments or late payment marks. I always paid in time for all my loans, leases, credits, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They have been calling me everyday since XX/XX/XXXX with no breaks in between.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal and correction of inaccurate information & charge offs on my credit report. Specifically, I am disputing the following : XXXX. Accounts to Be Removed : XXXX XXXX XXXX XXXX Account to Be Corrected : XXXX XXXX : Update and correct late payments to reflect Paid as Agreed. 
. XXXX XXXX as agreed XXXX. Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I have no knowledge of these inquiries or their origin. Additionally, I have attached evidence confirming that I was a victim of the Equifax data breach, which may have contributed to these inaccuracies Im disputing the reporting of XXXXXXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal and correction of inaccurate information & charge offs on my credit report. Specifically, I am disputing the following : XXXX. Accounts to Be Removed : XXXX XXXX XXXX XXXX Account to Be Corrected : XXXX XXXX : Update and correct late payments to reflect Paid as Agreed. 
. XXXX XXXX as agreed XXXX. Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I have no knowledge of these inquiries or their origin. Additionally, I have attached evidence confirming that I was a victim of the Equifax data breach, which may have contributed to these inaccuracies Im disputing the reporting of XXXXXXXX XXXX on 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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I submitted my identity verification documents to Cash App on XX/XX/XXXX, and was told the process would take up to 48 hours. It is now XX/XX/XXXX, and I am still unable to access my funds or use most app features, including sending and receiving money. 
I submitted my verification more than once, and I was issued two case numbers : # XXXX and # XXXX. Despite escalating the issue, I was repeatedly told by customer support that no one could provide a resolution or timeline. I continue to receive only generic responses, and am told there is no one I can speak to directly. The app continues to ask me to verify my identity, even after Ive already submitted everything. 
This delay is causing serious financial hardship. I can not access the money I use for basic living expenses. I am currently unable to pay my rent, daycare, and car note due to Cash Apps restrictions. 
I rely on Cash App as my primary financial platform, and Ive uploaded six months of account statements proving thisshowing over {$34000.00} in deposits from XX/XX/XXXX through XX/XX/XXXX. Thats an average of nearly $ XXXX, clearly demonstrating my dependence on this service. 
This situation mirrors the previous regulatory complaints and CFPB actions taken against Cash Apps parent company, Block , Inc., for failing to provide timely access to user funds and adequate support. 
I am requesting : Immediate access to my account and funds A formal explanation for this delay A {$5000.00} compensation payment for the financial and emotional damage this has caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am requesting that Equifax conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Since I have submitted this dispute multiple times and have not received a response or proper validation, I am requesting that the unverified information be permanently removed from my credit report. This is a fair resolution under federal law, which requires credit reporting agencies to verify disputed information within 30 days or delete it. 
XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The case submitted XXXX is NOT a duplicate. These companies are committing Fraud. 

I am a victim of the XXXX and other companies ' security breaches. My information was stolen, on the dark web, and they are allowing the people who committed the fraud to be reported on my credit report. I have attached Federal Trade Commission and Police Reports, and Affidavits supporting the facts. That is why I am requesting they provide all of their findings. 

New information was submitted supporting they are upholding the Fraud to 3 cases and they are refusing to acknowledge the facts, and I need the requested information indicated in the complaint. 

Capital One 's third-party had no authority to run my credit report. Then when I report to CFPB, they now so-called have possession of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX XXXX is the original debtor but first choice is a collection third-party agency that harasses me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation