vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: FL

Complaint narrative:
b'I am filing a complaint against MoneyLion for failing to investigate and reimburse a series of unauthorized transactions on my account despite multiple reports.\n\nI reported fraudulent activity to MoneyLion on XXXX XXXX XXXX XXXX and XXXX Despite these reports, the charges have continued, and I have not been reimbursed. It has now been over two weeks since my first report, yet MoneyLion has not provided provisional credit or a resolution.\n\nDetails of the disputed transactions on my account despite multiple reports.\n\nI reported fraudulent activity to MoneyLion on XXXX and XXXX Despite these reports, the charges have continued, and I have not been reimbursed. It has now been over two weeks since my first report, yet MoneyLion has not provided provisional credit or a resolution.\n\nDetails of the disputed transactions include (but are not limited to)XXXX XXXX #XXXX XXXX  $XXXX XXXX  #XXXX XXXX  $XXXX XXXX XXXX #XXXX XXXX  $XXXX XXXX XXXX  $XXXX XXXX #XXXX XXXX  $XXXX XXXX #XXXX XXXX  $XXXX XXXX XXXX  $XXXX XXXX XXXX  $XXXXI did not authorize these transactions. I am the account holder, XXXX XXXX (Account/Member ID ending in XXXX).\n\nUnder the Electronic Fund Transfer Act (Regulation E), MoneyLion is required to promptly investigate, and if necessary, provide reimbursement or provisional credit within 10 business days of my report. They have failed to do so.\n\nI am requesting that the CFPB require MoneyLion to:\n\t1.\tRefund the unauthorized charges immediately.\n\t2.\tProvide a written explanation of their investigation and steps to prevent further fraud.\n\t3.\tConfirm they are handling this dispute in compliance with federal regulations.\n\nThis situation has caused me significant financial hardship, and I believe MoneyLion is violating federal consumer protection laws by denying or delaying my refund.'

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX close this account and didn't notify me and when I called the repsentaive told it was closed and I couldn't make a payment on the card and i asked why and was told they had sent me a letter ... XXXX weeks later I got a letter stating fraud as their reason. I made several calls and was either hung up on or they couldn't tell me anything .. made payments on the card hoping we could resolve the matter but was toild I had a limit of XXXX dollars but owed XXXX and got no where trying to get how they came to that dollatr amount.. I have disputed this over 3 times with the credit bureau but got no where.. I am disputing the amount owed and want to see their explanation and reasons explained to me. Seems like they are being vindictive about this as I have explained to their customer reps they have killed my good credit rating I worked so hard to get..

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 2025-09-25 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 am filing this complaint because my credit report with EQUIFAX contains inaccurate name variations, invalid addresses, and multiple fraudulent collection accounts that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security, and proof of current address to support my claim. Specifically, I found fraudulent collection accounts reported by the following furnishers : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$700.00}. 
XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$630.00}. 

I did not authorize or open any of these accounts, and I have no knowledge of them. These fraudulent accounts are negatively affecting my credit and were placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed ; 15 U.S.C. 1681s-2 Furnishers must not report inaccurate information ; 15 U.S.C. 1681b No permissible purpose for accessing or reporting these accounts ; and 15 U.S.C. 1692e Prohibits false or misleading representations in debt collection ( FDCPA ). I am demanding the immediate and permanent deletion of all of these fraudulent collections from my credit report. Additionally, I have identified inaccurate personal information, including multiple unauthorized name variations and outdated addresses, listed on my credit report that do not belong to me. My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. My only correct and current address is XXXX XXXX XXXX XXXX XXXX, TX XXXX ( see proof attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I formally demand that you update and correct my personal information to reflect only accurate and verifiable data as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Unlawful Debt Collection Practices Dear CFPB, I am submitting this complaint concerning XXXX XXXX regarding a credit card account I had previously paid down. In 2016, I reduced the balance from {$3600.00} to {$420.00}. Within XXXX months, the balance was falsely inflated to {$1900.00}. Now, more than XXXX years later, I am being subjected to collection efforts for this debt.

This conduct violates multiple federal protections : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c prohibits reporting accounts that are obsolete beyond 7 years ; the continued reporting/collection may be unlawful.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f forbids false, deceptive, or unfair practices, including misrepresenting the amount owed and attempting collection after the statute of limitations.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( b ) requires accurate and transparent credit card statements ; sudden unexplained balance increases may indicate violations.

Requested Resolution I request the CFPB to : 1. Investigate this account for false balance inflation and unlawful collection.

2. Order the creditor/collector to cease all collection efforts and provide written proof of the debts validity.

3. Require deletion of this account from all credit reports under FCRA 1681i.

4. Impose statutory damages and penalties as allowed under the FDCPA ( up to {$1000.00} per violation plus attorneys fees ) and enforce corrective measures.

Conclusion The creditors actions are unlawful, deceptive, and harmful. I respectfully request the CFPBs intervention to ensure compliance with federal law and to protect my consumer rights. 

Sincerely, 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 2025-09-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Unlawful Debt Collection Practices Dear CFPB, I am submitting this complaint concerning XXXX XXXXXXXX regarding a credit card account I had previously paid down. In 2016, I reduced the balance from {$3600.00} to {$420.00}. Within XXXX months, the balance was falsely inflated to {$1900.00}. Now, more than XXXX years later, I am being subjected to collection efforts for this debt. 

This conduct violates multiple federal protections : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c prohibits reporting accounts that are obsolete beyond 7 years ; the continued reporting/collection XXXX be unlawful. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f forbids false, deceptive, or unfair practices, including misrepresenting the amount owed and attempting collection after the statute of limitations. 
XXXX. Truth in Lending Act ( XXXX ), 15 U.S.C. 1637 ( b ) requires accurate and transparent credit card statements ; sudden unexplained balance increases XXXX indicate violations. 

Requested Resolution I request the CFPB to : XXXX. Investigate this account for false balance inflation and unlawful collection. 
XXXX. Order the creditor/collector to cease all collection efforts and provide written proof of the debts validity. 
XXXX. Require deletion of this account from all credit reports under FCRA 1681i. 
XXXX. Impose statutory damages and penalties as allowed under the FDCPA ( up to {$1000.00} per violation plus attorneys fees ) and enforce corrective measures. 

Conclusion The creditors actions are unlawful, deceptive, and harmful. I respectfully request the CFPBs intervention to ensure compliance with federal law and to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Equifax properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I challenge the inclusion of accounts never established by me. Kindly investigate comprehensively and expunge them. Documentation accompanies this request.

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 2025-09-25 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: WI

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX 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 2025-09-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX is inaccurately reporting my accounts : Account # [ XXXX ] {$610.00} Account # [ XXXX ] {$790.00} Account # [ XXXX ] {$910.00} Account # [ XXXX ] {$1200.00} Account # [ XXXX ] {$1300.00} They have not provided me with any validation of this debt. 

I mailed a certified Debt Validation request on Thursday, XX/XX/year> demanding : The original signed contract, The complete chain of title proving ownership, An itemized accounting, Proof of permissible purpose under FCRA.

To date, they have not provided this. Reporting a charged-off debt without validation is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and furnishing incomplete or unverifiable information is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
This is a formal complaint against EQUIFAX regarding the continued reporting of inaccurate, unverifiable, and unauthorized information on my consumer credit file. The presence of these accounts, collections, and inquiries violates my rights under the Fair Credit Reporting Act ( FCRA ), Florida State laws, U.S. Federal laws, and other applicable consumer protection statutes.

VIOLATIONS UNDER FEDERAL LAW FCRA 1681e ( b ) : EQUIFAX failed to follow reasonable procedures to assure maximum possible accuracy by publishing unverifiable late payments, charge-offs, and collection accounts.

FCRA 1681i ( a ) : EQUIFAX has failed to conduct lawful reinvestigations and continues to report disputed, inaccurate items.

FCRA 1681s-2 ( b ) : EQUIFAX and furnishers failed to properly investigate, correct, or delete disputed data.

FCRA 1681b ( f ) : EQUIFAX allowed unauthorized inquiries without permissible purpose, constituting unlawful access to my consumer file.

Unfair and Deceptive Practices ( UDAP, Federal ) : By publishing false, misleading, and incomplete credit information, EQUIFAX has engaged in deceptive acts causing consumer harm.

VIOLATIONS UNDER FLORIDA STATE LAW Florida Deceptive and Unfair Trade Practices Act ( FDUTPA, Fla. Stat. 501.201 et seq. ) : Reporting false account data, inflated delinquencies, and unverified collections constitutes deceptive and unfair practices.

Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.55 et seq. ) : By reporting and maintaining false collections and derogatory marks, EQUIFAX enabled violations of state consumer rights.

Defamation and Negligence ( Florida Common Law ) : Publishing false, negative credit data and unauthorized inquiries amounts to defamation and negligence, resulting in financial and reputational injury. 

SPECIFIC ACCOUNTS OF CONCERN XXXX XXXX Reported with XXXX late payments not fully substantiated. 

XXXX Reported with past due balances, XX/XX/XXXX day lates, and suspended credit line, without proper verification. 

XXXX XXXX XXXX XXXX Reported with multiple late notations ( XX/XX/XXXX days ) and past due balances despite prior disputes. 

XXXX XXXX Listed as a collection account ( {$270.00} past due ), shown as disputed, yet EQUIFAX continues to maintain it unlawfully. 

XXXX XXXX  ( Original Creditor : XXXX XXXX. ) Listed as a collection account ( {$420.00} ) with no proper validation provided. 

UNAUTHORIZED INQUIRIES The following hard inquiries appear without permissible purpose and are unlawful under FCRA 1681b ( f ) and Florida consumer protection laws : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-25 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 dispute the accuracy of entries connected to accounts I did not approve. Please perform an exhaustive investigation and delete them. Enclosures are included.

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