vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate and outdated items appearing on my credit report, including accounts with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 and related inquiries and balances. These items appear to be incorrectly reported or outdated, and they do not accurately reflect my payment history, account status, or overall financial behavior. Despite my prior dispute, these accounts and balances remain on my report without removal or verification, suggesting that the credit bureau has not conducted a full reinvestigation as required under FCRA 611. This failure violates the reporting accuracy and reinvestigation requirements mandated by FCRA 602, 611, and 623, and continues to unfairly harm my credit profile and financial reputation.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My account with Robinhood LLC is XXXX, or XXXX. Name : XXXX XXXX. 

My account has been restricted for no reason and the company disalllow my transfer of 2000 USD to another US bank ( XXXX checking account ). I have already withdrawn to the same XXXX account. When being contact, XXXX XXXX said they will review my account and does not allow any chat or support. When called their contact number, they said the number is no longer taking any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original creditor is XXXX  Submitted disputes with Experian and they have just ignored my requests and close my disputes without investigating.

I have requested they provide the proof that I am without a doubt the one who opened this account and what identification verification method used. I never opened the 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 2025-11-18 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: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my actual financial history and responsible credit behavior. The accounts reported under my name, including late-closed accounts from XXXX ending XXXX with a balance of {$1600.00}, XXXX ending XXXX with a balance of {$1700.00}, XXXX ending XXXX with a balance of {$3500.00}, and XXXX reported XX/XX/year>, have been inaccurately reported, leading to a distorted portrayal of my financial responsibility that may adversely affect my ability to access credit, secure housing, or pursue employment opportunities that rely on accurate credit reporting. 
The late-closed accounts from XXXX and XXXX, as noted above, do not accurately reflect the timing of closure, balances, or account status according to my verified payment history. These accounts were properly settled and closed in good standing, yet the reporting does not reflect this fact, creating the false impression of delinquency. Such reporting inconsistencies violate FCRA XXXX ( a ) ( XXXX ), which requires furnishers to report accurate dates of first delinquency, and FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates that all information provided to consumer reporting agencies be accurate, complete, and properly verified. 
The XXXX account, listed with a date of XX/XX/year>, further demonstrates the inconsistency of reporting across the bureaus, as it is either inaccurately reflected or incomplete. These errors, if left uncorrected, contribute to a fragmented credit history that misrepresents my financial behavior, potentially leading to wrongful credit denials or other adverse financial consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my actual financial history and responsible credit behavior. The accounts reported under my name, including late-closed accounts from XXXX ending XXXX with a balance of {$1600.00}, XXXX ending XXXX with a balance of {$1700.00}, XXXX ending XXXX with a balance of {$3500.00}, and XXXX reported XX/XX/year>, have been inaccurately reported, leading to a distorted portrayal of my financial responsibility that may adversely affect my ability to access credit, secure housing, or pursue employment opportunities that rely on accurate credit reporting. 
The late-closed accounts from XXXX and XXXX, as noted above, do not accurately reflect the timing of closure, balances, or account status according to my verified payment history. These accounts were properly settled and closed in good standing, yet the reporting does not reflect this fact, creating the false impression of delinquency. Such reporting inconsistencies violate FCRA XXXX ( a ) ( XXXX ), which requires furnishers to report accurate dates of first delinquency, and FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates that all information provided to consumer reporting agencies be accurate, complete, and properly verified. 
The XXXX account, listed with a date of XX/XX/year>, further demonstrates the inconsistency of reporting across the bureaus, as it is either inaccurately reflected or incomplete. These errors, if left uncorrected, contribute to a fragmented credit history that misrepresents my financial behavior, potentially leading to wrongful credit denials or other adverse financial consequences.

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 2025-11-18 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: PNC Bank N.A.
State: IL

Complaint narrative:
There was a transaction that was canceled XX/XX/year> on my XXXX app, but XXXX still charged me {$42.00}. For a vacuum cleaner I never ordered it was canceled, but they still took the payment out. I go to my bank and my bank gives me my money back until they can figure out whats going on then they decide that XXXX gets to keep the money so theyre gon na take the money away from me again And Im like hold it. This was canceled. I dont have a vacuum cleaner. Nothing was ever done Pnc Bank could not give me any information on how they came up with this decision that XXXX gets to keep {$42.00} of my money for a canceled order. They could not answer any questions. They just said theyre going to escalate it. It was already escalated when I did the dispute the first time which was less than a month ago. I went in there yesterday and talked to the woman at Pnc Bank and she knew nothing. Theres nothing on my account. They just take the money and cant tell me why that is wrong. Plus I got a letter from XXXX stating that theyre not going to do any more refunds or returns to me anymore. Theyre just gon na keep all my money thats wrong too. I would like my money back because XXXX doesnt deserve my money for no transaction ever being done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a prepaid American Express gift card a few months around mid XXXX. I had tried a few times to use it back then, but I was always met with an error. I tried it again tonight and it didn't work again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding two accounts reported on my credit file XXXX XXXX XXXX  and XXXX which I believe contain inaccurate and misleading information. The XXXX XXXX XXXX  account reports a balance of {$550.00} and indicates it was 120 days past due, while the XXXX account reports a balance of {$650.00} and indicates it was 60 days past due. Both accounts have reported dates of last activity and delinquencies that do not align with the verified documentation and account history I maintain. Despite my prior dispute, these accounts continue to appear on my credit report with the same inaccurate information, suggesting that the credit bureau has failed to conduct a full reinvestigation as required under FCRA 602, 611, and 623. This ongoing misreporting negatively impacts my creditworthiness and violates the statutory requirements to maintain accurate and complete information.

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 2025-11-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-18 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: FL

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inquiries appearing on my credit report, which I believe were made without a permissible purpose. Under FCRA 1681b, credit reporting agencies are only allowed to include inquiries if they were made for legitimate reasons, such as my application for credit, insurance, employment, or with my explicit written consent. The inquiries in question, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entities XXXX XXXX, XXXX XXXX, and XXXX XXXX spanning from XXXX through XXXX, may not meet these criteria. Despite my initial dispute, these inquiries remain on my credit file without verification or explanation, which is a violation of the FCRAs reinvestigation requirements and compromises the accuracy of 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 2025-11-18 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: FL

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inquiries appearing on my credit report, which I believe were made without a permissible purpose. Under FCRA 1681b, credit reporting agencies are only allowed to include inquiries if they were made for legitimate reasons, such as my application for credit, insurance, employment, or with my explicit written consent. The inquiries in question, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entities XXXX XXXX, XXXX XXXX, and XXXX XXXX spanning from XXXX through XXXX, may not meet these criteria. Despite my initial dispute, these inquiries remain on my credit file without verification or explanation, which is a violation of the FCRAs reinvestigation requirements and compromises the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
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 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting to dispute the inaccurate late payment reporting associated with my credit report. The accounts include are : XXXX/DOFED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$700.00} This incorrect reporting creates a misleading and damaging impression of my repayment behavior. The appearance of repeated XXXX and XXXX delinquencies on an account that has a complex servicing history ( including transfers and payment arrangements ) misstates the accounts true status and does not reflect verified, itemized evidence of missed payments tied to an accurate Date of First Delinquency. Under 15 U.S.C.

1681i ( a ) I have the right to dispute information I believe to be incomplete or inaccurate, and Equifax, TransUnion and Experian is required to conduct a reasonable reinvestigation. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures that ensure maximum possible accuracy. If the furnisher can not provide complete, documented verification supporting the reported XXXX and XXXX delinquencies including the specific Date of First Delinquency and sequential account activity then Equifax, TransUnion and Experian is required to correct or update the information to reflect the verified account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting to dispute the inaccurate late payment reporting associated with my credit report. The accounts include are : XXXX/DOFED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$700.00} This incorrect reporting creates a misleading and damaging impression of my repayment behavior. The appearance of repeated XXXX and XXXX delinquencies on an account that has a complex servicing history ( including transfers and payment arrangements ) misstates the accounts true status and does not reflect verified, itemized evidence of missed payments tied to an accurate Date of First Delinquency. Under 15 U.S.C.

1681i ( a ) I have the right to dispute information I believe to be incomplete or inaccurate, and Equifax, TransUnion and Experian is required to conduct a reasonable reinvestigation. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures that ensure maximum possible accuracy. If the furnisher can not provide complete, documented verification supporting the reported XXXX and XXXX delinquencies including the specific Date of First Delinquency and sequential account activity then Equifax, TransUnion and Experian is required to correct or update the information to reflect the verified account history.

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