vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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:
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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-09 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: Bepensa Capital, Inc.
State: FL

Complaint narrative:
I am formally filing a complaint with XXXX XXXX XXXX reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with XXXX, specifically XXXX XXXX, Section XXXX, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Open Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reported Balance : {$10000.00}, {$3500.00}, {$4500.00}, {$4500.00}, {$3000.00}, {$1500.00}, {$4.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor XXXX services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Open Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reported Balance : {$10000.00}, {$3500.00}, {$4500.00}, {$4500.00}, {$3000.00}, {$1500.00}, {$4.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor XXXX services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 

Sincerely, 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 2025-08-09 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: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed them. This is unacceptable and constitutes the reporting of false and misleading information about my financial history. 

I take my credit profile extremely seriously, and the presence of these unauthorized accounts is causing substantial harm and concern. I require immediate clarification regarding why these accounts are appearing on my credit report and who is responsible for reporting them.

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 2025-08-09 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: NC

Complaint narrative:
Cash app is fraudulently holding funds from XXXX merchants that have already taken the debts from the account. At XXXX on Sunday XX/XX/XXXX the XXXX transactions began pending and I called to see why. A rude representative by the name of XXXX advised me I needed to contact the merchants even after I advised of the time of the transaction and that the funds went through already. The funds are still pending on my account 5 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 a victim of identity theft, my information was used to obtain goods and services without my knowledge or consent

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I faxed my XXXX IRS XXXX XXXX and proof of income to American Express as part of an account review for my Platinum card ending in XXXX. Amex verbally told me on a recorded call that my documents were due by XX/XX/XXXX, and in writing they stated XX/XX/XXXX. My fax was sent and confirmed received well before both deadlines. 

Despite this, Amex closed my account on XX/XX/XXXX, citing failure to receive documents. This is inaccurate I have proof of submission and a recording confirming the earlier deadline was met. My account was restricted for months and I was still charged {$890.00} in annual fees during this period. 

This premature closure was harmful and unnecessary. I am requesting reinstatement of my account with full benefits or a full refund of all annual fees charged during restriction, and removal of any negative credit reporting. 



Attachments : IRS XXXX XXXX XXXX XXXX ) IRS XXXX XXXX XXXX XXXX XXXX Recent paystubs showing $ XXXX annual income Fax confirmation dated XX/XX/XXXX Screenshot of Amexs written deadline Audio or transcript of call where XX/XX/XXXX deadline was given All screen shots of account activity I even advised this card was only necessary to provide for the care of my Wife 's XXXX XXXX XXXX it was not acquired for luxury, because of this issue I was forced to run my credit for another company known as XXXX XXXX  in which I had to do another hard inquiry to my credit and charge {$3200.00} on that specific account, on XX/XX/XXXX I then paid it completely off on XX/XX/XXXX XXXX showing that I am capable of my payments.I received the American Express card ending in XXXX XXXX XX/XX/XXXX, the account was suspended XX/XX/XXXX, i was charged the annual Fee within the same day aswell, I've tried everything within my power to stay on good terms hence why I escalated this matter to the executive office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I demand a deletion and unauthorized use of my consumer report, because I have not had an agreement with TransUnion. According to 15 usc 1681, any company pulling or reporting my background information, must have permissible purpose. I never gave permissible purpose for either company to do so.

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 2025-08-09 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: MD

Complaint narrative:
I have no connection to these accounts and suspect they are fraudulent. I ask that they be promptly removed from my credit report and thoroughly investigated. Supporting documents are enclosed.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to 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 non-monetary relief
Consumer complaint received 2025-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a formal amendment to my previously submitted CFPB complaint # XXXX dated * * XX/XX/XXXX * * regarding my unresolved dispute with Bank of America XXXX XXXX # XXXX ) over a\ {$5000.00} credit card charge for a defective go-kart purchased from XXXX PowerSports on XX/XX/XXXX. 

The original complaint details remain unchanged. This amendment is necessary due to XXXX  XXXX XXXX XXXX and strategic attempt to close my dispute after the original CFPB claim was filed. 

Amended Complaint Summary : On XX/XX/XXXX, I received a call from a member of XXXX  XXXX XXXX XXXX XXXX falsely stating that my claim was denied because XXXX XXXX  XXXX XXXX the decision. This is factually incorrect and contradicts evidence provided by XXXX  XXXX XXXX team in XX/XX/XXXX, copies from the Visa Resolve Online ( VROL ) system and XXXX  XXXX XXXX own records. The documentation shows the decision was made by XXXX XXXX XXXX at the 'pre-arbitration stage ', where I was denied my contractual right to formally respond to the merchants falsified and forged evidence. 

I am submitting two documents with this amendment : XXXX. Original CFPB Complaint Support documentation uploaded on XX/XX/XXXX ( no change ) for complaint # # XXXX XXXX. Amended support documentation with new information 'Notification and Remedy Request to XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) addressed and emailed to XXXX XXXX XXXX XXXX XXXX XXXX Executive XXXX outlining the pre-arbitration rights violation, the merchants fraudulent submissions, and the resulting financial and emotional harm over XXXX days. 
which includes a revision to the amount of relief being requested from XXXX  XXXX XXXX This new information included in this amended complaint highlights XXXX  XXXX XXXX intentional misrepresentation of the denial source, its improper closure of my dispute to avoid liability, and its continued financial benefit from over {$2800.00} in accrued interestwhile enabling the merchant to retain my {$5000.00} cash and resell the product for additional profit.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
One day my account was closed, tried to send money to it, no longer have an 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 2025-08-09 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be erroneous or incomplete, and you are required to conduct a reasonable investigation within 30 days. 
I formally request that the above information be reviewed, and if it can not be verified accurately, that it be updated as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
Accounts are not being updated to paid as agreed according to the FCRA

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 2025-08-09 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: GA

Complaint narrative:
Accounts are not being updated to paid as agreed according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
Accounts are not being updated to paid as agreed according to the FCRA

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 2025-08-09 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: MD

Complaint narrative:
I am unfamiliar with these accounts and believe they are fraudulent. Kindly remove them from my credit report and begin an investigation. Relevant documents are attached.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am requesting immediate corrective action against XXXX XXXX XXXX, XXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. 

XXXX XXXX XXXX, XXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. 

This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. 

611 ( a ) Right to dispute and have a reasonable reinvestigation.

610 ( a ) Obligation to provide clear and reasonable means of dispute. 
The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry. 

Contrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. 

Forcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. 

Creates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. 

If lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: UT

Complaint narrative:
I am requesting immediate corrective action against XXXX XXXX XXXX, XXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. 

XXXX XXXX XXXX, XXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. 

This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. 

611 ( a ) Right to dispute and have a reasonable reinvestigation.

610 ( a ) Obligation to provide clear and reasonable means of dispute. 
The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry. 

Contrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information. 

Forcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. 

Creates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. 

If lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.

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