vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a customer for many years JC Penny when my credit cards got hacked there were about 5 I called the same day purchase went on cards At first they removed the charges then they put the charge back on ( just to let you know all other cards cleared the charges off my card even the bank XXXX gift cards ) when I asked why they put it back on they said I benefited from it. Those sorry people said at first except it trough my email then they changed it that I received at my house and JCPenney XXXX still did not see how they lied I keep saying did not order and did not receive Then to top it off while JCPenney was fixing my credit card a new one That company tried to order more on my card and ordered it on the new card that I never got XXXX XXXX took it off made account and tried to explain how they had my new card and I still dont have. This has been going on since XXXX XXXXNow they are calling every month trying to make me pay XXXX .They are also billing me monthly and and adding interest charges bill known up to XXXX I have sent papers to them 3 times explain all this still keep saying I benefited from this order my health is showing that all this grief is causing health problems my doctor XXXX  told me to get some help before my XXXX XXXX causes serious problems please I need help I am so tired of all 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 monetary relief
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} INQUIRIES 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 XXXXXX/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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the Experian 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 credit card ( XXXX  XXXX ) and car loan ( XXXX XXXX XXXX ) These accounts have resulted in fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ), that the Experian credit reporting agency block all of the accounts identified in the CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding the CFPB complaint be sent to me via email to the email address ( 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 2025-07-17 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: GA

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct and update the late payments on my credit report. 
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 non-monetary relief
Consumer complaint received 2025-07-17 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: Home Loan Center, Inc.
State: AR

Complaint narrative:
Complaint Narrative : I, XXXX XXXX, am a victim of fraud and identity theft. A fraudulent loan account was opened under my name without my knowledge or authorization. I was scammed via email communications, and I have documented proof including emails and a fraudulent loan agreement that this was a deceptive and criminal act. 

The fraudulent loan has been reported to the credit bureaus and is now appearing on my credit reports. I have disputed this account with the credit bureaus and demanded its removal under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Identity Theft law ( FCRA 1681c-2 ). However, the information has not been properly investigated or removed. 

Additionally, I believe XXXX bank accounts were used in this scam to transfer or store funds using my identity. These accounts may have been involved in wire fraud ( 18 U.S. Code 1343 ) and mail fraud ( 18 U.S. Code 1341 ).

I am requesting a full investigation into : The fraudulent loan/account that was added to my credit report The use of any XXXX financial institutions involved The data furnisher that submitted this fraudulent account How my personal information was used without my permission I have submitted evidence including : A copy of the scam emails The fraudulent loan agreement My government-issued ID and proof of address A formal dispute letter under FCRA This fraudulent activity is damaging my credit and violates multiple federal laws, including the FCRA, FACTA amendments XXXX and federal criminal statutes. 


-- - Requested Resolution : XXXX. Immediate deletion of the fraudulent account from all credit reports XXXX. Investigation into all XXXX bank accounts involved in this transaction XXXX. Full compliance with FCRA 1681i and 1681c-2 4. Written confirmation from the furnisher and credit bureaus XXXX. Protection from future fraudulent reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigationattorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-07-17 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: NJ

Complaint narrative:
XXXX XXXX  responded that it suppressed credit reporting for XX/XX/XXXX. Thats not good enough. Funds were returned by the end of XX/XX/XXXX. Correct all 7 months of late reporting. The matter was being investigated, and I returned all funds prior to the end of the investigation month of XX/XX/XXXX while the matter was being investigated. You have me listed as being 7 months late! Thats false. I have never been late other than current activity based on misinformation provided. Correct my report and not just for the month of XXXX. Be specific. Dont just right a response of something being superseded for the month of XXXX. I will sue you. Correct my report. Remove all 7 late payments that you falsely reported in retaliation for my complaints!

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I got a response from XXXX stating We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( XXXX XXXX XXXX XXXX payment activity related to gambling along with other potential violations.

> > As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features To which I replied I have never gambled using my account. Please let me know which transactions you are referring to. 
Then I got a response from XXXX stating We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( XXXX XXXX XXXX  ) We encourage you to take a look to our Terms of Service, particularly the section XXXX " Virtual Currency Services '' subsection XXXX. " Suspension ; Termination ; Discontinuance of Virtual Currency Services and Virtual Currency Account '' and While we understand your frustration with your Cash App account, there is nothing else we can do for you at this time. If you need help with any issue outside of this, I would be happy to help.

I read that section and it literally has nothing to do with my account as I only had my round ups going towards bitcoins.

I would like to know what EXACTLY I did to violate terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am a victim of identity theft. There is a fraudulent XXXX XXXX account reporting in error on my credit report. I submitted my police report, copy of my drivers license, copy of my social security card, and a request to Equifax to block the fraudulent account pursuant to the Fair Credit Reporting Act Section 605B and the credit bureau has not complied with my request despite providing all necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Case XXXX was never resolved. We got a letter from XXXX XXXX, and also a voicemail from XXXX from Wells Fargos executive office ( XXXX ) asking us to call. We called and could not reach him. We left voice mails, but he did not call back. The next day we got a notice on the cfpb website saying the case was closed ( without even talking to us? ). Well Fargo keeps telling us that we need to contact XXXX and talk to them, but XXXX representative did not help us and different representatives kept giving us conflicting information. Because this is a credit card rewards issue, Wells Fargo should handle this for us. We consider this case not resolved.

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 2025-07-17 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a Navy Federal Credit Union account holder currently located in XXXX. My account was blocked without prior notice, despite verifying a transaction that involved wiring money to a known recipient through trusted contacts. 

I called and provided all security information, yet Navy Federal closed my account, banned me from opening any future accounts, and refuses to release my funds unless I appear physically in a branch which I can not do from overseas. 

These funds are tied to my XXXX XXXX  and other bill payments. I have been denied access to my own money, and I am unable to communicate further because Ive been locked out of online and email systems. 

I am requesting immediate assistance from the CFPB to compel Navy Federal to either release my funds remotely or provide a legal, documented explanation of this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-17 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: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX BureausXXXX XXXX XXXX and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief