vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Until I receive proper validation, I request that you cease all collection activities and stop reporting this debt to credit bureaus. If you can not provide adequate proof of this debt, please remove any related negative information from my credit report Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: ID

Complaint narrative:
I purchased {$79.00} of stuff on XXXX using my cash app account. It has been a month since the authorized a refund. They say there is a problem with cash app. I spike to cash app and they said no attempts from XXXX have been made to refund. So for a month temu keeps trying to issue me a credit to but more items and not give me my money back. On the XXXX I spoke to XXXX who asked me for my banking info which I gave her. She said that a refund will be issued to my bank account since cash app has a problem. I find out today after getting the run around for an hour on hold that no employees are allowed to ask for that info. So again I have no refund of my money and now some employee illegally has my account information. Now I have to close this account which is really going to mess everything up. I use this account for all of my bill pay and utilities and so much more. I'm furious. Cash app said they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
My information has been exposed due to the previous equifax breach as well as other companies. I am seeing unauthorized inquries on my equifax report even though i have a fraud alert in place. i was never notified of the inquiries below and i have no knowledge of them nor do i have accounts with them. 

Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I provided Equifax with my Identity theft report along with the dispute and they still failed to remove the items listed above. They are violating my consumer rights...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 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 2025-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because i have been alerted about XXXX unauthorized credit inquiries on my report that I DID NOT approve of. This has impacted my credit score negatively and this hurts my image and my emotions. I am a single mom and doing my bets to elevate in life. Me being a victim of this hinders me. These inquiries are from the two credit bureaus TransUnion and Equifax and i have listed them below. I have tried to contact them and they refuse to help me and remove these inquiries. I ask for prof and have these investigated. Please help me as i am distraught. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX : XXXX. XXXX, 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
Experian placed a XXXX  collection bill on my account, I was never notified a bill even existed. I never received anything from any collection agency. I explained to Experian there have been several data breaches I have been notified of and have Experian identity works because of this. I explained to them I should not have any hard inquires on my report & they told me contact all creditors with hard inquires after hours of calling them all they told me I need to contact the credit bureau there was nothing they could do. I want the XXXX  collection removed from my credit report immediately as well as the hard inquiries it has been very stressful working with experian they are not helpful. Its hurting my credit & has kept me from obtaining funding to purchase my home Im not being treated fairly.

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 2025-03-24 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-03-24 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:
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 non-monetary relief
Consumer complaint received 2025-03-24 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 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: IL

Complaint narrative:
I am filing a formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) and unauthorized actions taken on my credit file. Despite submitting a valid FTC Identity Theft Report ( # XXXX ) and FTC Identity Theft Report ( # XXXX ) and an official police report from the XXXX Police Department under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax failed to block a known fraudulent account. 

The account in questionXXXX XXXX ( Acct : XXXX ) with a balance of $ XXXXwas initially removed following a prior CFPB complaint. However, it was unlawfully reinserted twice ( on XX/XX/year> and again on XX/XX/year> ) without my knowledge, violating : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) No certification of accuracy was provided by the furnisher. 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) I was not notified of either reinsertion within the required 5 business days. 

I discovered both reinsertions on my own through credit monitoring. The furnisher has not provided any legitimate documentation proving the account is mine beyond generic identifiers like my name or SSN. I also directly notified the creditor that the account is fraudulent. 

In addition, Equifax placed a Report Blocked for Promotional Purposes notice and a Fraud Victim ( Associated with Trade ) alert on my fileneither of which I authorized or requested. Equifax has also failed to remove an unauthorized hard inquiry I previously disputed. 

As a result of Equifaxs misconduct, Ive suffered : Credit denials from XXXX XXXX and XXXX XXXX Higher interest rates from XXXX XXXX XXXX, TXXXX XXXX XXXX and XXXX XXXX Forced closures and reduced credit limits that further harmed my credit profile I request immediate removal of the fraudulent account. Equifaxs repeated disregard for the law has caused financial and emotional harm, and if not resolved promptly, I will pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received an email from Affirm promoting a {$150.00} discount on a XXXX purchase of $ XXXX when using Affirm. I activated the offer in the Affirm app, clicked on it, and made a {$460.00} purchase on XXXX. 

Immediately after, I called Affirm and spoke with two representatives who confirmed my offer was correctly applied and that Id receive the {$150.00} refund before my first payment was due. When the refund didnt arrive, I contacted Affirm again via chat to document the issue. 

Multiple representatives confirmed : The {$150.00} offer was active on my account. 
They could see my XXXX purchase and that everything looked correct. 
I would receive my refund. 

Despite these assurances, the refund never arrived. Multiple cases were created, but I never received an update. 

On XX/XX/XXXX, I called Affirm again and spoke with a supervisor named XXXX, who suddenly claimed the offer was not linked to my loan, that it was now expired, and they refused to honor it. This contradicts what at least four other representatives told me, as well as the offers details and fine print ( screenshots included ), Affirm is refusing to honor a promotion that I activated and confirmed multiple times before purchasing. Their system clearly failed to link the offer properly, yet I am being penalized for their mistake. 

I have included screenshots of : The original promotional email. 
Proof that I activated the offer. 
Chat transcripts confirming my eligibility. 

I expect Affirm to honor their promotion and resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My Navy Federal Credit Union XXXX XXXX card was fraudulently used for purchases at XXXXXXXX and XXXXXXXX XXXX, totaling {$15000.00}. I have already notified XXXX, filed a claim with Navy Federal, submitted a police report, and reported the fraud to the FTC. Despite this, Navy Federal has denied my claim twice. I disputed it again, and it is currently under review. I also requested evidence supporting their denial, but I received a response stating there was no error and that their information contradicts my claim of unauthorized activity. This is impossible because I did not make these purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I hope this message finds you well. 

I am writing to inform you that XXXX XXXX XXXX XXXX has pleaded guilty to charges in connection with a fraud case involving XXXX XXXX XXXX. As a result, he has been sentenced to 60 months in the XXXX XXXX XXXX ( BOP ) custody. 

Today, I was contacted by the police, who informed me that XXXX was sentenced to 60 months in connection with a fraud charge to which they pled guilty. This new information may have a significant impact on the ongoing matters related to my case.

Furthermore, I have recently received additional legal documents, which my attorney and the police have provided to me. These documents contain critical new evidence that I believe warrants reopening my case for further review.

Given these new developments, I kindly request that you consider reopening my case to ensure that all evidence is thoroughly reviewed and that any necessary actions are taken.

I am happy to provide copies of the legal documents and any further details you may require to facilitate this process. Please let me know the next steps or how I can assist in providing any further information. 

Thank you for your attention to this matter. I look forward to your response. 

XXXX XXXX is around {$17000.00}

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 explanation
Consumer complaint received 2025-03-24 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 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: OR

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 explanation
Consumer complaint received 2025-03-24 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: OR

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 2025-03-24 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 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:
THEY TRIED TO OPEN A CREDIT CARD IN MY NAME XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THEY TRIED TO OPEN A CREDIT CARD IN MY NAME XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

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 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