vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: Go Capital Holdings, LLC
State: MS

Complaint narrative:
i received a hard inquiry on my credit report from XXXX XXXX XXXX. I contacted them they stated they do not have any account with my name and to have the credit bureaus to contact them to have this removed

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

Complaint narrative:
I am submitting this complaint because Experian is violating its obligations under the Fair Credit Reporting Act ( FCRA ) related to a XXXX Card account on my credit report. 

I disputed this account ( XXXX XXXX, balance {$4300.00}, showing 76 months of negative history ) with Experian on XX/XX/year>. The dispute was closed the same day, with no changes and no evidence that an actual investigation took place. 

This same-day dispute closure appears to violate : FCRA subsection 1681i ( a ) ( 1 ) ( A ) Experian failed to conduct a reasonable reinvestigation of the disputed item. A reinvestigation can not be completed in mere hours, especially when the furnisher ( XXXX ) requires time to respond. 

FCRA subsection 1681i ( a ) ( 2 ) ( A ) Experian did not provide evidence that the dispute and supporting documentation were forwarded to XXXX or any furnisher for review. 

FCRA subsection 1681i ( a ) ( 5 ) ( A ) If the account could not be verified through investigation, the account must be deleted. Instead, Experian kept the tradeline unchanged. 

Pattern of Repeated Violations : This is not the first time Ive disputed this XXXX account. I have submitted multiple disputes, and each time, Experian closes them rapidly, often the same day, with no meaningful reinvestigation. 

This suggests Experian is either : Not contacting the furnisher at all Relying on automated or superficial methods Ignoring updated and relevant dispute grounds ( including the absence of a 1099-C or proof of discharge ) Due to the repetitive nature of these complaints, Experian should not be afforded the full 30-day window under FCRA. Its behavior may qualify as willful noncompliance under FCRA subsection 1681n or negligent noncompliance under subsection 1681o.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX ( via XXXX XXXX ) Re : Complaint Against USAA Federal Savings Bank for Inaccurate Credit Reporting on Account # XXXX Dear CFPB : I am filing a complaint against USAA Federal Savings Bank for furnishing inaccurate, incomplete, and misleading information on my account # XXXX, as reported on my Equifax credit report dated XX/XX/XXXX, and potentially to Experian and TransUnion. Despite over XXXX disputes since XXXX, USAA has failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ). 

Inaccuracies include : - No payment history reported for XXXX XXXX, despite account opening on XX/XX/XXXX, rendering the history incomplete. 

- Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX, but an on-time payment reported for XX/XX/XXXX, which is contradictory. 

- No 30-day or 180-day late reported, skipping required delinquency progression per Metro-2 guidelines. 

- " No data '' reported for XX/XX/XXXX, creating an incomplete history. 

- Repeated " charge-off '' reporting from XX/XX/XXXX to XX/XX/XXXX, improper as charge-off status should be fixed unless updated. 

- On-time payments reported from XX/XX/XXXX to XX/XX/XXXX, impossible post-charge-off in XX/XX/XXXX. 

- Date of last payment reported as XX/XX/XXXX in records but XX/XX/XXXX on the credit report, conflicting with XXXX. 

These errors have caused significant harm : a XXXX FICO score, multiple credit denials, higher interest rates, $ XXXX in mitigation costs ( e.g., credit monitoring ), and emotional distress ( anxiety, sleep loss ). USAAs failure to investigate or correct these verifiable inaccuracies violates FCRA 611, 623 and FCCPA 559.72. 

I demand USAA investigate, delete this unverifiable tradeline from all CRAs ( Equifax, Experian, TransUnion ), and provide documentation ( e.g., account statements, payment ledgers ) to substantiate their reporting. I am mailing a detailed dispute to USAA via certified mail on XX/XX/XXXX. Please ensure USAA complies promptly to mitigate further harm. 

Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant Equifax credit report pages.

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 2025-08-07 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$98.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-08-07 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-07 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:
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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX 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 : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was the victim of a scam involving my Cash App account. On XX/XX/XXXX, I was contacted by an individual posing as a legitimate employer offering me a job. They sent me what appeared to be legitimate checks for deposit. I was instructed to send part of the funds to them via Cash App before I realized the checks were fraudulent. 

I sent a payment of {$500.00} total to the scammer via Cash App. Shortly after, my bank informed me the deposited checks were fake. I immediately contacted Cash App via in-app chat to report the fraud ( Case # XXXX ) and requested that the payment be canceled or reversed. 

Cash App has refused to reimburse the funds, stating that most payments are instant and can not be canceled, despite being informed this was a fraudulent transaction. I believe this decision fails to provide adequate consumer protection for victims of fraud. 

I am requesting the CFPB to review this matter and assist in obtaining a refund or reversal of the {$500.00} payment. I have retained all relevant communications, screenshots, payment IDs, and evidence of the scam. 

Key details : Payment amount : {$500.00} Payment method : Cash App ( linked to [ debit ] ) Case number : XXXX Date of payment : XX/XX/XXXX Date reported to Cash App : XX/XX/XXXX, XX/XX/XXXX I am seeking full reimbursement and improved fraud handling by Cash App for cases involving documented scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : 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 2025-08-07 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: AL

Complaint narrative:
I reviewed my credit report and discovered several inaccurate and harmful entries that have persisted despite previous disputes. These include collection accounts and charge-offs reported by companies such as XXXX XXXX  XXXX XXXX, XXXX, and XXXX XXXX For example, one collection account reflects a balance of {$850.00} from XXXX XXXX with no validation or proof of ownership ever provided. Another account from XXXX shows a balance of \ {$260.00}, but Ive never received any billing statements or signed agreement supporting this debt. Additionally, a student loan account that is closed and has a {$0.00} balance is still being reported as XXXX days late, which is misleading and damaging. I also noticed XXXX hard inquiries from XXXX XXXX, both dated in XX/XX/XXXX, which I did not authorize. These entries were disputed multiple times before, yet no supporting documentation was provided by the furnishers or credit bureaus. I submitted disputes again on XX/XX/XXXX, requesting verification and removal of these inaccurate items, but to date, the information remains unresolved.

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 2025-08-07 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5000.00} 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, 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 non-monetary relief
Consumer complaint received 2025-08-07 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: MD

Complaint narrative:
On XX/XX/2025, I sold XXXX ( XXXX ) on Blockchain.com and initiated a USD withdrawal to my linked bank account. The platform confirmed the sale, but as of XX/XX/XXXX, the withdrawal is still pending. I contacted support multiple times via email and was told the transaction was " under review '' without being given any specific reason, timeline, or action required on my part. This delay is causing financial hardship, and I have now fully transferred my remaining assets off the platform. I am requesting immediate release of my funds or a clear explanation and resolution timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

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

1681c2 ) that you, the Experian 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} 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, 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 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 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
My loan officer changed my loan several times. He upped the amount each time to more money for my to get stating that it would help me in the long run and we could refinance later in about 2 years which would be 2026. He also made me believe that I could never get out of debt paying just the minimum payments. It is a very long story too long to type. I was supposed to get back {$47000.00} in cash in the beginning. A few papers later and than a few more and after his fees the company that he choose fees, a bunch of made up things after he made me pay off more stuff it was only for {$17000.00}. He promised me more money would come from the back end it never did. The mortgage company told me that they rarely switch accounts to other companies when i received loan leading me to think that I would stay with Movement .The earlier part of this year they tried to sell my loan to some odd crazy company and I made a huge complaint to the company they did not switch me now it has happened again. This is discrimination and fraud on many levels. Now they are trying to get rid of me and fast it looks like. Why is it that my name continues to get chosen out of all the millions of customers. I wish my case and documents to be looked at by a professional. I know that I have been wronged and fraudulent activities have been in play. An officer from Movement called me and told me he would definitely look into the matter of course he NEVER called back. He waited patiently until the loan was transferred and til this day has never called back. Now I have been blocked and can not reach Movement Mortgage. It continues to send me through the prompts. This is not fair to me on so many levels and I have been wronged. They state that they can not find anything and immediately transferred me to XXXX. Its disrespectful.. I will also be reporting to other Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation