vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) to request the immediate and permanent blocking of several accounts being reported by Experian, Equifax, and TransUnion that were the result of financial abuse and coercion. 
Between XXXX and XXXX, I was in a financially abusive and coercive relationship during which I had no access to or control over my finances. The accounts listed below were opened, used, or mismanaged without my authorization. Despite my prior submissionsincluding police report, identity verification, and supporting documentationthe credit bureaus have failed to comply with the FCRAs required timeframe for deletion and blocking. 
Disputed Accounts 1. 2. 3. 4. XXXX XXXX  Account ending in XXXX {$6400.00} XXXX XXXX  XXXX XXXX Account ending in XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} ( XXXX XXXX  XXXX XXXX XXXX  Account ending in XXXX {$710.00} These accounts have been disputed directly with all three credit bureaus as of XX/XX/XXXX, and were accompanied by supporting documentation. The bureaus are legally required under FCRA 605B ( b ) to block such accounts within four ( 4 ) business days of receiving identity theft or abuse-related documentation, and to provide confirmation within 30 days.

To date, these accounts remain unblocked and continue to appear across multiple reports, causing ongoing harm and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-03 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App processed multiple emergency and hardship transactions between XXXX and XX/XX/year>, including XXXX subscriptions, ATM withdrawals, XXXX, XXXX, and XXXX  charges, while I was displaced and engaged in ADA/FHA litigation . 
These transactions used disability-benefit funds and were not reviewed under ADA or EFTA hardship protocols.

All requested refunds directly relate to my active ADA/FHA federal cases : Mill at Westside Owner LLC v. Dominique Ponder ( 25-CV-05612 ) Piedmont Pad v. Dominique Ponder ( 25-CV-5996 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am disputing inaccurate, outdated, or unverifiable items on my TransUnion credit report. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX  XXXX Account # XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$640.00} XXXX  XXXX Account # XXXX, XX/XX/XXXX, {$1600.00} XXXX/XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX/XXXX  Account # XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX  Account # XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  Account # XXXX, XX/XX/XXXX, {$1400.00} XXXX  Account # XXXX, XX/XX/XXXX, {$3900.00} Please verify the accuracy of each account and remove any that can not be substantiated. 

Inquiries None listed for TransUnion. 

XXXX XXXX XXXX XXXX Account # XXXX This late payment may be inaccurately reported. Please verify and correct or delete if it can not be substantiated.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Moon Inc.
State: MI

Complaint narrative:
I am seeking recovery of funds totaling approximately {$10000.00} {$20000.00}, which were lost due toBetween XXXX and XXXX, I purchased Bitcoin using XXXX  at XXXX XXXX locations ( XXXX XXXX XXXX, XXXX MI, and XXXX XXXX, XXXX XXXX MI ). These funds were never credited to my account or were lost due to company closure or errors in escrow transactions.In XXXX, I paid cash for BTC at XXXX XXXX, XXXX XXXX XXXX, XXXX, MI, and XXXX, XXXX XXXX, XXXX XXXX, MI. Both transactions were confirmed as funded, but I never received the BTC. I contacted the companies multiple times to verify and recover my funds, but they claim no record exists. I am requesting the BTC be credited or refundedBetween XXXX and XXXX, I attempted to purchase Bitcoin through XXXX at two locations in Michigan : XXXX XXXX XXXX, XXXX, and XXXX XXXX in XXXX XXXX. I paid cash for Bitcoin transactions totaling approximately {$10000.00} {$20000.00}, which I expected to be deposited into an escrow or linked account. I created an account to track my transactions, but no record of these purchases appeared in my account or anywhere else. 

After realizing the transactions were missing, I contacted XXXX  customer support multiple times, providing proof of cash payments and other supporting details. Despite these efforts, the company could not locate my transactions. Some XXXX  locations I used have since closed, and I was informed by others that some of these transactions may be past the statute of limitations. 

I also reached out to XXXX and other services that may have been involved, hoping to recover or trace the Bitcoin. I was told that no transactions were found, even though I have proof of payment and confirmation messages indicating that the Bitcoin was fully funded in escrow at the time. 

To date, I have not recovered any of my funds. I am submitting this complaint to alert others that cash purchases of Bitcoin through certain XXXX  locations may not be properly credited and that recovering lost funds can be extremely difficult if the company closes or records are missing. 

I am seeking assistance in recovering my funds of {$10000.00} {$20000.00} and would like guidance on how to pursue this, including any legal, financial, or regulatory avenues. I want this description to be published on consumerfinance.gov so that others can learn from my experience and avoid similar losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information being reported on my credit report regarding the following account : Creditor Name : IC System ( Original Creditor : XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Reported : {$280.00} High Credit : {$140.00} Upon reviewing my credit file, I have identified multiple inconsistencies and potential reporting violations regarding this account : The balance reported exceeds the high credit limit, which is inaccurate and misleading. 
The Date Opened is inconsistent across the three major credit bureaus, suggesting unreliable data furnishing. 
XXXX  is reporting prejudicial language ( Subject has not satisfied debt ), which is misleading and not XXXX XXXX compliant. 
There is no Date of Last Payment listed, which makes the reporting incomplete under FCRA 623.

This account appears to be duplicatively impacting my score, reporting on all three bureaus despite being unresolved and unverifiable.

Pursuant to FCRA 611 and 607, I request that you conduct a reinvestigation into the accuracy of this item. If the furnisher can not fully verify and validate all aspects of this account, including itemized proof of balance, original creditor agreement, and complete payment history, then this account must be removed entirely.

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 2025-11-03 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: FL

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EQUIFAX, the following fraudulent account was reinserted on my credit report : XXXX XXXX  - XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet EQUIFAX, reinserted it without proper validation. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law.

I urge the CFPB to ensure EQUIFAX, complies with the law by blocking this fraudulent account immediately and confirming the action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 submitting this complaint as a consumer seeking assistance in resolving discrepancies in my credit report. Below, I have outlined the accounts in dispute, organized by bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Debt collector continued to contact me after cease and desist and the credit bureau failed to correct inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax continues to report my name incorrectly on my credit file. My correct legal name is XXXX XXXX, but Equifax shows XXXX XXXX XXXX. I have already submitted my drivers license and followed all instructions requested by Equifax to correct this error, but they have not made the update. 

This issue is causing me serious problems with my credit applications and identification verification. I am requesting that the CFPB investigate and require Equifax to correct my name immediately to reflect my legal identity : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am a consumer in the process of disputing inaccurate and incomplete information on my credit report. I respectfully request a thorough investigation of the accounts listed below. If any of the information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act. 
Charged Off : XXXX XXXXXXXX XXXX - XXXX, XX/XX/year>, {$4700.00} Late Payments : XXXX - XXXX XXXX XXXX - XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  - XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX  XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX  - XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX  - XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-11-03 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: MN

Complaint narrative:
I am filing this complaint because my Experian credit report contains an inquiry from XXXX XXXX dated XX/XX/year>, which I never personally authorized. I did not apply for any loan, credit, or financing with XXXX XXXX on or around that date, nor did I provide consent for them to access my credit file. 

Under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), Experian is legally required to ensure that every inquiry appearing on a consumers file is based on a valid permissible purpose. Any inquiry made without my knowledge or authorization is considered impermissible and should not remain on my report.

I have already disputed this inquiry directly with Experian, but their response simply indicated that the information was verified, without providing proof of consent or documentation from XXXX XXXX showing that I authorized the credit pull. This does not meet the FCRAs standard for a reasonable investigation. A mere confirmation from the furnisher is not sufficient ; Experian must verify that the inquiry was lawfully authorized and that the creditor had a legitimate purpose under the law.

The presence of this unapproved inquiry has negatively impacted my credit score and misrepresents my financial activity by suggesting I sought new credit when I did not. Beyond the score impact, it is extremely frustrating and concerning that my private financial information can be accessed without my explicit consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation