vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I, XXXX XXXX XXXX, the living man and secured party of the estate trust associated with the SSN issued in my name, am filing this formal complaint against TransUnion for : Unauthorized access to and use of my credit file False and deceptive reporting of credit scores Use of secret financial profiling algorithms to manipulate my access to commerce Selling or monetizing my personal and trust data without contract or disclosure TransUnion is not a credit bureau but a private data broker falsely using government language. I have never signed a contract authorizing them to : Create or distribute a credit report, Securitize my data or estate information, Attach or project a score in my name. 

Their actions have caused commercial harm, denied me lawful access to products/services, and financially benefited from monetizing my private data without fiduciary obligation. 

Revocation of Power of Attorney and Security Interest : I hereby revoke, rescind, and terminate any presumed Power of Attorney, equitable assignment, or implied consent that TransUnion may claim to : Access, score, rate, distribute, or securitize any data related to my estate or SSN ; Act as a third-party administrator or fiduciary over my commercial or trust activity ; Engage in commerce on behalf of or against my estate account in any form. 

Notice to agent is notice to principal.

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 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Other Status {$33000.00} Date Reported Payment Status Account Status Amount Past Due XX/XX/year> Collection/Chargeoff Derogatory Not Reported Account Details Original Lender Account Type Responsibility Age Of Account Credit Limit XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Not Reported Individual Highest Balance XXXX Years, XXXX Months This debt if fraudulent I NEVER lived there these dates and amounts are a result of fraud by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
company closed account in XX/XX/year>. I received the payoff and paid off amount in XX/XX/year> where i paid off the account in full. Received another bill in XX/XX/year> where i was told i paid off the account in the middle of a cycle. Received a payoff again and was told if i paid the new amount i would be charged another month even though the account was closed and paid off. Received another bill in the month of XXXX where i was told i could pay if off again, but i may receive another bill, due to the cycle has not ran yet. I talked to multiple people whom each said the same thing and that i could not pay off the account until i pay it on the correct payment date. Even though the account has been closed i was still charged for an account i have no access to and i have paid it off multiple times. Per 15 USC 1681, i would like this taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was directly impacted by Covid-19 pandemic. Due to the economic hardship caused by the Covid-19 pandemic including job loss, and reduced hours I was unable to make timely payments. I made every effort to communicate with my creditors and attempted to stay on track financially, but the unforeseen circumstances made it impossible to meet some of my obligations at the time. I am requesting that you review my account for accuracy and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
RE : URGENT DISPUTE FRAUDULENT inquiries UNDER XXXX U.S.C. XXXX FILED FTC REPORT XXXX : XXXX Dear Equifax, This letter is a formal dispute under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX, also known as XXXX XXXX, regarding multiple fraudulent items listed on my credit report due to identity theft. I am a victim of identity theft and did not open, authorize, or have any knowledge of the following inquiries now harming my credit profile : XXXX XXXX XXXX XX/XX/year> XXXX XXXXF XX/XX/year> XXXX XX/XX/year> XXXX & XXXX XX/XX/year> XXXX & XXXX XXXX  XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Pursuant to XXXX U.S.C. XXXX, once you receive : XXXX. A valid identity theft report, and XXXX. Proof of my identity, You are legally required to block the fraudulent information from appearing in my file within XXXX business days of receipt. Attached are the following documents : A copy of my government-issued ID A utility bill or proof of residence A copy of the FTC Identity XXXX Report A signed affidavit confirming I did not open or authorize these inquiries

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 2025-07-02 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-07-02 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: PA

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the above-referenced account. I was explicitly informed that this account would be reported as paid in full, account closed, with no late payments, once settled. However, my credit report is still showing derogatory notations, including late payments and a status of paid in settlement with {$1000.00} written off. This incorrect reporting is negatively impacting my credit score and is causing hardship, especially as I am in the process of trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied opening an account and told to call a number to find out it was multiple accounts in my name and if XXXX not mistaken all of them was closed and overdrawn! I was a victim of identity theft in XXXX XXXX not sure if that may have something to do with all of this.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Hello, I understand the transaction was authorized by me, but I never received the order from XXXX. Despite reaching out to their support, they denied any resolution or refund. 

I am not disputing this as an unauthorized chargeI am disputing it as a case of services not rendered, which is my right under federal consumer protection laws. I am asking that this dispute be re-opened under that basis. 

I can provide documentation if needed. Please escalate this dispute appropriately.

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 2025-07-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AL

Complaint narrative:
My mother 's bank account was hacked by my cousin and they linked my cash app card to her bank account and was cash app ing money to themselves 2 or 3 times a day. 
Total of {$190.00} I need my cash app card and they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 


Account name : XXXX Account number : 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 2025-07-02 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: UT

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the Transunion and Equifax Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NV

Complaint narrative:
I am formally disputing the accuracy and validity of this entry, as I was not involved in any transactions related to these items, and under FCRA XXXX ( b ), I expect the credit reporting agency to notify the furnisher of this dispute and to investigate the matter thoroughly within the legally mandated time frame. 

XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX * * * * * BALANCED {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * BALANCED {$620.00} XXXX XXXX * * * * * * * * * * * * * * BALANCED {$390.00} XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
Cash App suspended my account due to suspicious activity, but has failed to provide a clear explanation or findings. I contacted support and was told Id receive a follow-up with details within 48 hours. It has been longer than that with no meaningful response. The event occurred on XX/XX/year> As a result, I currently can not transfer or withdraw funds in the making of {$320.00} that I legally earned and deposited into my Cash App account. I am being denied access to my money without any due process or sufficient reasoning, and the lack of transparency and communication from Cash App has been extremely frustrating.

I am requesting that Cash App immediately provide a detailed explanation of why my account was suspended and allow me to withdraw my funds to my linked personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit. Experian is being sued for inaccuracy. 
I demand the following collections entries to be deleted of my credit report : The inaccurate account entry is as follows : Creditor Name : XXXX  XXXX Account Number : Unknown Date Opened : XX/XX/year> Balance : {$720.00}

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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
vehicle repo and sold should be removed off credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX Account NumberXXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I have contacted Equifax, TransUnion, and Experian in regards to the FTC report I filed for three accounts that were reported on my account that I had absolutely no knowledge of and strongly believe it was identity theft, my information has been reported on the dark web multiple times in the past and accounts unknowing to me have came about due to so, I have reported and only got one thing resolved by Experian and they practically ignored the rest!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment 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 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 2025-07-02 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 do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 recently reviewed my credit report and noticed an account that was not reporting accurate information. I had four late payments on an account that was in fact paid on time. It is imperative that the consumer reporting agencies report accurate information. This account has not been late on any payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XXXX and XX/XX/XXXX ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thanks so much for understanding and prompt 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 2025-07-02 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:
I recently reviewed my credit report and noticed an account that was not reporting accurate information. I had four late payments on an account that was in fact paid on time. It is imperative that the consumer reporting agencies report accurate information. This account has not been late on any payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XXXX and XX/XX/XXXX ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thanks so much for understanding and prompt action.

Company response to consumer: Closed with non-monetary relief