vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally raise a complaint regarding a serious issue involving a {$3800.00} money order I purchased on [ between XX/XX/XXXX to XXXX ] at a location on XXXX XXXX in XXXX, NY. 

I deposited this money order into my mobile account of Bank of America. However, shortly after the deposit, my account was permanently closed without warning. The funds from the money order were not returned to me, and I was informed that the money order would be sent back to the issuing company instead of issuing me a refund check. 

It has now been over a month, and despite multiple follow-ups, I have not received the funds nor confirmation that they were returned to the money order issuer. I have documentation and statements proving the legitimacy of my deposit and request a resolution as soon as possible. 

I am requesting one of the following actions be taken immediately : A refund check be issued to me directly, or Written confirmation and tracking that the funds were returned to the money order issuer so I can follow up directly with them. 

This delay is unacceptable, and I reserve the right to escalate this matter further if not resolved promptly.

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 2025-08-01 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:
There is an account on my credit report that I have no knowledge of and did not authorize. I recently reviewed my credit report and noticed an unfamiliar and fraudulent account. I never applied for or used this account, and its reporting is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am filing a complaint against Chex Systems , Inc. for maintaining and refusing to remove unauthorized inquiries placed on my consumer report without my consent or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

Specifically, I previously disputed two inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX ChexSystems responded that both were " verified, '' yet provided no documentation of : - My written consent - A valid application - Any permissible purpose to access my report These institutions accessed my file without my authorization, and no account or application exists. Under 15 U.S. Code 1681b ( a ), inquiries without permissible purpose constitute a violation of federal law.

I am demanding that these unauthorized inquiries be removed from my file immediately and that ChexSystems provide evidence of the procedures used to verify them per 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

This has negatively impacted my ability to open bank accounts and receive fair treatment from financial institutions.

If ChexSystems fails to comply, I am prepared to escalate this matter legally for willful noncompliance.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
ChexSystems is reporting two negative accounts ( XXXX  XXXX XXXX  and XXXX  XXXX XXXX  ) in a way that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

No Date of First Delinquency ( DOFD ) is listed for either account, which is required under FCRA 623 ( a ) ( 5 ).

Both accounts are showing UNPAID as a status, which is not a valid Metro 2 compliance code.

Account Abuse is a vague and non-standard term that is not defined anywhere in Metro 2 reporting.

There is no current balance or proper aging information, creating the risk of illegal re-aging.

Because of these violations, this reporting is inaccurate and incomplete. I am requesting immediate deletion of these accounts from my ChexSystems file.

I have attached my full ChexSystems disclosure with the problematic areas highlighted.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
Closed account during COVID couple later I paid the full balance offf but they wont remove my account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-08-01 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:
This is a formal dispute of an account listed on my credit report that I have never had any connection with. I am requesting its deletion, as its continued reporting constitutes inaccurate and harmful 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 2025-08-01 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: NV

Complaint narrative:
I have reviewed my credit report and found an account that I neither opened nor authorized. This item is fraudulent, and I am asserting my right to dispute its inclusion.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute an account that has been reported under my credit profile. I have no knowledge of this account and did not authorize its creation. This entry is entirely inaccurate and constitutes a violation of my right to a fair and accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions ran a promotion of {$300.00} for opening a checking account and depositing {$1000.00} in direct deposit as long as you did not have an account with them in the past 1 year. See terms attached. 

I did not have an account with them in the past 1 year. So, on XX/XX/year>, I opned a checking account and met the terms of the {$1000.00} direct deposit. 

Inspite of me meeting the terms, they have now excluded me from the promotion and refusing to accept it when I call. Their online promotion tracker also shows me as EXCLUDED. 

Request Regions to honor the promotion and issue me the {$300.00} bonus 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 non-monetary relief
Consumer complaint received 2025-08-01 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 am writing to formally dispute a late payment that has been inaccurately reported on my credit report. I have consistently met all of my payment obligations on time, and this isolated claim is not supported by my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An inaccurate account has appeared on my credit report, which I did not authorize and have no involvement with. This is clearly a case of fraudulent reporting.

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 2025-08-01 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 am writing to dispute an entry on my credit report that inaccurately reflects a late payment. Based on my financial records and banking statements, there was no missed or delayed payment during the period indicated.

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 2025-08-01 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: FL

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-08-01 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: RI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I submitted a dispute to Experian regarding an account that appeared on my credit report, requesting a reinvestigation under FCRA 1681i ( a ). The disputed item originates from a company that I contacted directly, requesting full validation and verification of the alleged account and debt under my rights established by the FCRA and other consumer protection statutes.

Despite my lawful request, the furnishing company failed to provide any of the requested documents or verification. They did not validate the accuracy, ownership, or liability of the alleged debt. However, Experian continued to report this information on my credit report without receiving any substantiating evidence from the furnisher, which is a clear violation of FCRA 1681i and 1681e ( b ), which require reasonable procedures to assure maximum possible accuracy.

By failing to remove or correct the information after being notified of the disputeand in the absence of verificationExperian is willfully or negligently furnishing and maintaining inaccurate and unverified information in my consumer file. This has resulted in harm to my creditworthiness, personal reputation, and financial opportunities.

Experian is in violation of the following consumer protection laws : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Furnishing information without proper investigation and verification after notice of dispute. 

I request that the CFPB conduct a full investigation into XXXX practices, compel them to remove the unverifiable and inaccurate information, and take appropriate enforcement action to ensure compliance with federal law. 

Attached are copies of my dispute letter, proof of delivery, and documentation showing the lack of response from the original creditor/furnisher.

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 2025-08-01 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

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 2025-08-01 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: CA

Complaint narrative:
This letter is to dispute a late payment reported on my credit profile. I made the payment on time, and have attached supporting documentation for your review.

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 2025-08-01 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: Healthcare Finance Direct LLC.
State: AL

Complaint narrative:
HFD have me in collections for an account I should rightfully not be paying. I ordered liners from XXXX XXXX and they filed bankruptcy and abruptly closed down business operation. When I received the liners they did not fit my teeth and could never be used and are still in the box to this day. They had no one to contact to fix the matter and had a statement of such on there website. However, they had accounts through HFD, whom still wants payments. This is not my debt to pay. XXXX owes them, not me. I received a product I could not use

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Formal Complaint Letter to CFPB and FINRA To Whom It May Concern, I am submitting this formal complaint regarding the restriction placed on my Robinhood Crypto account. Despite multiple attempts to contact Robinhood support, I have not received a clear explanation for the restriction. I have reviewed the terms of service, and I have not violated any policies or agreements. Additionally, I have confirmed that there are no negative balances, outstanding documents, or unresolved issues that would justify this action.

Robinhood has not provided adequate communication, transparency, or support throughout this process. My access to funds has been unjustly limited, and the lack of resolution has caused undue stress and financial hardship.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) and the Financial Industry Regulatory Authority ( FINRA ) investigate this matter to ensure compliance with all applicable consumer protection laws and financial regulations. 

Please confirm receipt of this complaint and advise on the next steps in the investigation process. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation