vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
There are several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/2020, Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: 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 : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$10000.00}

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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX and XXXX Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within XXXX days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX XXXX XXXX XXXX Opened XXXX {$300.00} XXXX. XXXX XXXX Opened XXXX {$570.00} XXXX. XXXX XXXX Opened XXXX {$4000.00} XXXX. XXXX XXXX XXXX Opened XXXX {$15000.00} These accounts have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-17 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: SC

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

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 2025-07-17 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Saw my credit report on transunion and did not recognize XXXX XXXX  inquires on my reports, I did not apply for XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX  XXXX XXXX XXXX XXXX inquiries on my reports

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Saw my credit report on transunion and did not recognize XXXX XXXX  inquires on my reports, I did not apply for XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX  XXXX XXXX XXXX XXXX inquiries on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I was scammed into sending a cash app for {$850.00} and now cash app wont help me get the money back. I tried to request it back from the sender and of course they declined it but cash app isnt willing to do anything to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
RE : CFPB : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never agreed to any such terms and conditions. 

Get these perjurous panhandling frauds out of my inboxes. 

You do not speak English? 

CEASE AND DESIST. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All communications logged as stalking and harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding serious violations of federal and state law by XXXX XXXX XXXX and Equifax, Experian, TransUnion This matter requires immediate attention and full resolution within XXXX hours of receipt. 

Several months ago, a fraudulent account from XXXX XXXX XXXX was properly investigated, found to be unauthorized, and removed from my credit reports by the consumer reporting agencies. Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), this account was also blocked from future reporting. 

However, as of [ insert date ], this same account has been willfully and unlawfully reinserted into my Equifax credit file. This reinsertion violates multiple provisions of federal law, including but not limited to : FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing information known to be inaccurate. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Prohibiting reappearance of deleted data without proper notice. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Barring re-reporting of blocked information. 
XXXX XXXX. XXXX ( b ) : Failure to perform reasonable investigations of disputed information. 

In addition, multiple unauthorized hard inquiries have appeared on my credit file from various sources without my consent or permissible purpose under FCRA XXXX ( a ) ( XXXX ). These inquiries are fraudulent and must be permanently deleted immediately. 

DEMAND FOR IMMEDIATE ACTION I demand the following remedies without delay : XXXX. Permanent deletion and blocking of all XXXX XXXX XXXX reporting from all consumer reporting agencies ( Equifax, Experian, TransUnion, XXXX ). 
XXXX. Removal of all unauthorized inquiries from all parties that lack my explicit consent. 
XXXX. Written confirmation from Equifax and all relevant furnishers that these deletions have been completed and that no further reporting will occur. 

LEGAL CONSEQUENCES FOR NON-COMPLIANCE Please be advised that willful noncompliance exposes Equifax and XXXX XXXX XXXX to liability under : FCRA XXXX and XXXX for actual, statutory, and punitive damages ( up to {$1000.00} per violation ). 
XXXX XXXX. XXXX : For willful violations with potential punitive damages. 
State Consumer Protection Laws ( e.g., Virginia XXXX XXXX XXXX XXXX or applicable statutes in [ your state ] ). 

If these issues are not fully resolved within XXXX hours of receipt, I will escalate by filing additional complaints with : The Federal Trade Commission ( FTC ) My State Attorney Generals Office The Office of the Comptroller of the Currency ( XXXX ) Initiating a civil action in federal court for damages, injunctive relief, and attorneys fees. 

This matter is highly urgent and must be corrected immediately to prevent further harm to my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CT

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Block, Inc.
State: NC

Complaint narrative:
This man keeps XXXX me through the notes on cash app, saying very vulgar things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I sent ETH to a wallet address that Robinhood listed for XXXX XXXX XXXX deposits At the time I assumed it was an ETC wallet but the transfer went through the XXXX network Later Robinhood confirmed that the wallet does support ETH and is under their control The funds are still visible on chain and untouched Despite multiple support requests Robinhood has refused to initiate recovery or escalate the issue to anyone with technical authority Their replies have been generic referencing policy language from their Crypto Customer Agreement without addressing the actual feasibility of recovery This isnt a case of lost crypto its sitting in a wallet Robinhood controls The issue isnt technical its policy based I am asking the company to treat this seriously escalate the case to their crypto operations team and explain why recovery is being denied when they clearly have custody I would also like transparency around how these decisions are made so users understand what recourse they actually have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 checked my credit report and notice I had an account with XXXX XXXX XXXX saying that the real creditor is XXXX with the balance of {$990.00}. I have no clue I believe this account is fraud or a mistake and its messing up my credit report. With Equifax, Trans Union, and Experian,,, Please show proof or please delete immediately my credit is suffering due to this and I have inquiries due to this problem please delete both immediately,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 checked my credit report and notice I had an account with XXXX XXXX XXXX saying that the real creditor is XXXX with the balance of {$990.00}. I have no clue I believe this account is fraud or a mistake and its messing up my credit report. With Equifax, Trans Union, and Experian,,, Please show proof or please delete immediately my credit is suffering due to this and I have inquiries due to this problem please delete both 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 2025-07-17 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:
The account is paid in full with a XXXX balance and was closed at my request. It is misleading and unfair to report this account as Late XXXX  Days or a collection/charge-off when no balance is due and the account has been resolved. 
As required by the Fair Credit Reporting Act ( FCRA ) under Section 607 ( b ), Equifax must ensure maximum possible accuracy in the reporting of credit data. Continuing to reflect derogatory notations on a paid, closed, and resolved account violates this requirement.

Additionally, under Metro 2 credit reporting guidelines, once an account is paid and closed, collection or charge-off codes should be removed unless they reflect the current status. That is not the case here.

Company response to consumer: Closed with explanation