vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Dear Bank of America, This is XXXX XXXX. 

Im reaching out regarding a claim related to fraudulent activity that began on XX/XX/year>, when a fraudulent bank account was added to my account in the XXXX system without authorization. 

Through XXXX, reversals were initiated, but the funds couldnt be recovered as they had already been withdrawn from the XXXX XXXX  accounts ending in XXXX and XXXX. The amount of funds fraudulently deposited is {$21000.00}. 

I am seeking the funds that were fraudulently deposited in your bank to be returned to me in accordance with the Electronic Funds Transfer Act ( EFTA ) Section 205.2 ( m ), which covers unauthorized or incorrect electronic fund transfers ( EFTs ), as theft was initiated through your banking institution.

Below is the full account information for the fraudulent account. Thank you for working with me to right this wrong. Please let me know if you need any further information. I have filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX Routing Number : XXXX Account Number : XXXX Routing Number : XXXX Thank you, 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 2025-10-22 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ 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 2025-10-22 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX mobile number XXXX compromised. XX/XX/XXXX reported to Bank of America Fraud Department. BOA was fraudulently accessed and {$25000.00}, {$3400.00} were stolen via unauthorized transactions. XX/XX/XXXX : I visited a bank branch in person, and staff helped me print out of. transaction records. The records showed " processing '' transaction last posting date XX/XX/XXXXXXXX The transaction was still " processing '' at this time, and if the bank had processed it promptly, the funds should have been recovered. XXXX hacked into my account and gain access to my account. I was not notified of any login attempts or verification codes during this time. I discovered the fraud promptly and reported it to BOA and the police : XXXX XXXXXXXX XXXX XXXXXXXX report number " Fraud ''. Despite clear evidence of identity theft and unauthorized access, the BOA denied my reimbursement claim, stating that the transactions were " authorized '' or that my credentials were used. I did not authorize these transactions, did not share my login details or codes, and did not receive any authentication messages. The transfers ware clearly abnormal and inconsistent with my banking behavior. I am requesting a full refund of {$25000.00} and {$3400.00} in accordance with the Electronic Fund Transfer Act ( Regulation E ) which protects consumers from unauthorized transfers. I am seeking assistance from CFPB this matter Faily and promptly.

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 monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
got a invite to apply for Robinhood gold credit card on XX/XX/XXXX. I applied for it on XX/XX/XXXX. 
And i was instantly rejected with no reasons why And when i checked email i received from robinhood it has the wrong person name ( XXXX XXXX ). 
When i contact Robinhood support. i was told they are checking on it. But no action I am worried Robinhood has leaked my ID details and if there is any credit pull want to reverse it. 
And apply for the credit card again fresh

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IL

Complaint narrative:
My XXXX XXXX account has major discrepancies. Several payments from XXXX  to present show as cleared in my register but are missing from my monthly statements. Many transactions are out of order, listed as XXXX  when sufficient funds were available, and show no reference to the payee or daily balance. My account balance is off by XXXX  of XXXX. Im requesting a full legal audit and reconciliation under the Electronic Fund Transfer Act and Regulation E to provide proof of all missing or misapplied payments, correction of errors, and written confirmation of findings. There are also many charges from XXXX despite the fact that I have an XXXX account I disputed these transactions and was denied incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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  FRAUDULENT INQUIRIES 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 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

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 2025-10-22 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Incorrect DOB XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and Metro 2 reporting standards. Allegations lacking factual proof, particularly those of delinquency and derogatory nature, are contested per legal mandates for precise reporting. It is imperative that claims adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

FIRST FEDERAL CREDIT C - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MA

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 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 2025-10-22 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: EdFinancial Services
State: TX

Complaint narrative:
Violation of FCRA Section 605b, and 12 CFR 1006.34 ( C ) ( 4 ) ( L ). COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
THE REPORTED LATE PAYMENT IS A RESULT OF CLERICAL ERROR.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, Sofi bank froze my account. after countless calls and emails I finally got notice that my account was being closed and hadn't been given a reason why. I received an email from a rep stating that my final check with my remaining XXXX dollars would be mailed to my address within 30 days. This was stated in an email from XXXX XXXX a rep at sofi on XX/XX/year> at XXXX XXXX I have yet to receive my funds a year and months later. Whenever i call sofi i cant get anyone to answer to me about where my money went either. First they said they were sending me a check, then I was told the money was sent back to my payment processor who deposited the money into the account, and thenI was told the money was sent back to thew IRS. they told me 4-5 different stories and none of them were true. The IRS has no record of receiving the funds. My payment processor has no record of receiving the funds. I have not received the funds. So they are lying and holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax block , cease reporting, and permanently remove from my credit file the unauthorized account that have fraudulently appeared on my consumer credit report.

These inaccurate items are the direct result of identity theft and false reporting of personal credit information. Specifically, a fraudulent XXXX XXXXXXXX XXXX account was opened on XX/XX/year> under the account number ( private ). 

This account was not initiated or authorized by me. They are fraudulent and have caused significant harm to my consumer credit profile. Therefore, I am demanding that the aforementioned fraudulent account be immediately blocked, deleted, and permanently removed from my Equifax credit report and that all collection or reporting activities related to these items cease immediately, pursuant to my rights under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint due to the ongoing inaccuracies in my TransUnion credit report. Despite my previous efforts to resolve this, the report continues to display incorrect information. Specifically, my credit report contains inaccurate addresses that do not belong to me. The addresses listed are XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and XXXX XXXX XXXX, XXXX, NJ XXXX. I have never resided at any of these locations, and they are not associated with my identity. In addition to the incorrect addresses, my name appears as XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX, which is also incorrect. My legal name is XXXX XXXX XXXX, and this incorrect variation has caused confusion and misrepresentation in my credit report. I have already disputed these inaccuracies with TransUnion through mail, and my dispute was delivered on XX/XX/year>, with the USPS tracking number XXXX. However, the incorrect information remains on my credit report, which is both frustrating and concerning. Additionally, I am unable to file a new FTC Identity Theft report due to the shutdown of their website, preventing me from providing a new report to support my claim. This has further delayed the resolution of my dispute.

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