vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX continued reporting of derogatory information that I believe is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have attempted to resolve this matter directly with the credit bureaus and XXXX XXXX through formal disputes. Despite these efforts, this account continues to appear on my credit reports in a way that damages my creditworthiness and does not reflect an accurate or lawful reporting of debt.

Specifically : 1. I have not received validation of the debt as required under the FDCPA.

2. The information being reported lacks original contract details, and any proof of my liability for the amount being claimed.

3. The reporting may include inaccurate dates, status updates, or balance history, which constitutes a violation of FCRA 623.

4. This negative account is impairing my ability to access fair credit, despite my recent efforts to improve and maintain responsible financial behavior. 
Account # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX continued reporting of derogatory information that I believe is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have attempted to resolve this matter directly with the credit bureaus and XXXX XXXX through formal disputes. Despite these efforts, this account continues to appear on my credit reports in a way that damages my creditworthiness and does not reflect an accurate or lawful reporting of debt.

Specifically : 1. I have not received validation of the debt as required under the FDCPA.

2. The information being reported lacks original contract details, and any proof of my liability for the amount being claimed.

3. The reporting may include inaccurate dates, status updates, or balance history, which constitutes a violation of FCRA 623.

4. This negative account is impairing my ability to access fair credit, despite my recent efforts to improve and maintain responsible financial behavior. 
Account # XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
The company robinhood restricted my account from transfering my OWN funds, they asked me to provide my Drivers license, bank statement, and a video selfie. I DID all of that, then all of a sudden they restricted my account. What did I did wrong? They never said, because I never did anything wrong. Now they took hold of my OWN hard earned funds about XXXXXXXX XXXX XXXX Won't let me withdrawto my bank, and won't let me even transfer. I have seen everyone on reddit complain about this issue with a cheap broker ROBINHOOD.

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

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of XXXX  and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - XXXX XXXX. XXXX Failure to conduct a reasonable reinvestigation - XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to forward all submitted documentation to furnishers - XXXX XXXX. XXXX ( b ) Failure to maintain maximum possible accuracy - XXXX XXXX. XXXX Failure to block fraudulent accounts upon identity theft report - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA XXXX ), XXXX XXXX XXXX, Failure to conduct reasonable reinvestigation ( FCRA XXXX ), Failure to maintain accuracy ( FCRA XXXX ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX XXXX XXXX ( codes XX/XX/XXXX ), FCRA XXXX and XXXX ( a ) ( XXXX ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of XXXX  and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - XXXX XXXX. XXXX Failure to conduct a reasonable reinvestigation - XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to forward all submitted documentation to furnishers - XXXX XXXX. XXXX ( b ) Failure to maintain maximum possible accuracy - XXXX XXXX. XXXX Failure to block fraudulent accounts upon identity theft report - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA XXXX ), XXXX XXXX XXXX, Failure to conduct reasonable reinvestigation ( FCRA XXXX ), Failure to maintain accuracy ( FCRA XXXX ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX XXXX XXXX ( codes XX/XX/XXXX ), FCRA XXXX and XXXX ( a ) ( XXXX ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX continued reporting of derogatory information that I believe is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have attempted to resolve this matter directly with the credit bureaus and XXXX XXXX through formal disputes. Despite these efforts, this account continues to appear on my credit reports in a way that damages my creditworthiness and does not reflect an accurate or lawful reporting of debt.

Specifically : 1. I have not received validation of the debt as required under the FDCPA.

2. The information being reported lacks original contract details, and any proof of my liability for the amount being claimed.

3. The reporting may include inaccurate dates, status updates, or balance history, which constitutes a violation of FCRA 623.

4. This negative account is impairing my ability to access fair credit, despite my recent efforts to improve and maintain responsible financial behavior. 
Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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

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

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


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a cashiers check in the amount of {$15000.00} through the Bank of America XXXX app. Several days later, the check was returned, and the written reason provided by Bank of America stated that the account had been closed. However, after filing a police report and further investigation, it was confirmed that the account in question never existed and that the cashiers check itself was counterfeit. 

The police instructed me to obtain the correct return reason from Bank of America, as the inaccurate information provided significantly alters the nature of the fraud in the criminal investigation. Despite my request for the bank to resubmit the case and verify the accurate return reason, Bank of Americas customer service refused and insisted that the original reason was correct. 

This constitutes a serious issue, as the banks incorrect return reason misled law enforcement and impacted the classification of the crime. Furthermore, the refusal to review and correct this error demonstrates negligence and a lack of due diligence. I am therefore filing a formal complaint against Bank of America for providing an erroneous return reason and refusing to verify and amend their mistake despite its direct consequences on an active fraud investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a Wells Fargo checking account and I just need help returning the funds into my account. I spent over XXXX dollars that day. I was scammed into believing I could make thousands of dollars in XXXX day through XXXX. I lost XXXX dollars I was hoping to get my money back. The seller impersonated as someone else. I have proof of text messages as well, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the following specific actions in accordance with federal law : Permanent deletion of the fraudulent inquiries and accounts listed below from my credit report : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX VIA DEALER Inquiry Date : XX/XX/XXXX Blocking of all identity theftrelated information under 15 U.S.C. 1681c2 within 4 business days of receiving my completed identity theft documentation ( already provided ).

Written confirmation that these fraudulent entries have been deleted or blocked, as well as a corrected and updated copy of my consumer credit report reflecting those changes.

If you are unable to verify that I personally authorized any of these accounts or inquiries, then under 15 U.S.C. 1681i ( a ), you must permanently remove them from my credit file.

This resolution complies with my legal rights under the Fair Credit Reporting Act and related federal statutes. Should you fail to comply within the required timeframe, I will escalate this to the CFPB, FTC, XXXX, and Attorneys General, and I will consider pursuing legal action for non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that Equifax, Experian and Transunion stated that they did a reinvestigation, yet my credit report is still inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. All credit bureaus are required to maintain and report data with complete accuracy and compliance. Credit bureaus must not report any claims that you know should be in compliance with regulations. They need to make sure all of my claims are accurate and reported in the correct format. 

Equifax, Transunion and Experian have been sending out form letters in response to many of the disputes and challenges the documentation that I have submitted, regardless of if I provided the exact information that they request. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. They use the form letter as a stall tactic and their dispute resolution emails and platforms do not provide anything about the resolution of the dispute, who they talked to the company name, the master promissory note or anything. This is required by law ( FCRA ) as well as reporting standards METRO 2 compliance. 
However, when I requested evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiries or accounts within my report must be included Experian, Equifax and Transunion all failed from XX/XX/year> - Present any information requested by law. 
I am formally disputing inaccurate information on my credit report under the FCRA, 15 U.S.C. 1681i.

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