vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> a person unknown to me gained access to my USAA account, proceeded to dispute charges on my account, they added themselves to my account, they gained the disputed funds when USAA believed they were me, and transferred money out into external accounts. I've requested the return of funds for XXXX months now. Nothing has been done. No calls or updates have been provided and I was robbed of over {$3000.00}. I've written and called over XXXX times and even filed a complaint. I've been with USAA for almost XXXX years. They have failed me.

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 2025-05-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I believe my information was used due to a data breach and I request that it all be removed and the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern : Subject : Dispute of Inaccurate Credit Reporting Related to Student Loan IDR Application Pending Account Number : XXXX I am writing to formally dispute a 90-day late payment reported on my credit reports by Mohela related to my federal student loan account, while my Income-Driven Repayment ( IDR ) application was pending review. 

I submitted a complete IDR application on XX/XX/XXXX and I have email confirmations from your office confirming receipt. Per the U.S. Department of Education 's guidance, loan servicers are instructed not to report negative credit activity such as delinquencies while an IDR application is in processing. Your office stated that applications can take up to 90 days to process, during which time I remained in good faith contact and compliance. 

The reporting of this delinquency is inaccurate, unfair, and potentially unlawful under the following federal statutes and guidelines : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Furnishers of credit information are required to report accurate and complete data. Reporting a borrower as 90 days late during an active review period of an IDR application, despite evidence of compliance, may constitute inaccurate reporting under this law. 
Higher Education Act of 1965 20 U.S.C. 1087e : This law, which governs federal student loans, requires loan servicers to adhere to the policies set forth by the U.S. Department of Education, including those surrounding IDR applications and credit reporting practices. 
U.S. Department of Education Guidance to Servicers : The Departments non-regulatory guidance instructs that borrowers who have applied for IDR and are within the processing window should not be reported as delinquent. 
I respectfully request that you : Immediately correct the inaccurate late payment information with all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX ; Send me written confirmation of the corrections made ; Provide a written explanation of the steps taken to prevent further inaccurate reporting while my IDR status is finalized. 
Attached are copies of the relevant email communications confirming the receipt of my IDR application, along with any other supporting documentation. 

Thank you for your prompt attention to this matter. Please contact me directly if additional documentation is required. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/year>, I sent a formal Section 609 debt validation request to XXXX XXXX XXXX ( XXXX ) regarding an account they are reporting on behalf of the XXXX  XXXX XXXX in the amount of {$49000.00}. That letter was received XX/XX/year>. No documentation was ever provided. On XX/XX/year>, I submitted a complaint to the CFPB ( Complaint ID : XXXX ). XXXX responded on XX/XX/year>, stating they had placed the account in restrictive status, intended to cease all collection activity, and had communicated the dispute to credit bureaus. 

Despite that, on XX/XX/year>, I received notification that XXXX re-reported the same collection account to Equifax and possibly others, in contradiction of their written CFPB response and cease communication claim. This conduct is now under active investigation by the XXXX. XXXX XXXX XXXX ( Mail Fraud Case # C # XXXX ) and was also reported to the FTC and FBI XXXX. 

Experian, however, disregarded these facts and still verified the account as accurate following a mailed dispute package with XXXX pages of evidencewithout addressing any of the discrepancies, fraud concerns, or the fact that no legal validation was ever provided by XXXX or the XXXX. XXXX decision to continue reporting this account after being notified of these violations makes them complicit in continued damage to my credit under FCRA 611 and 1681s-2 ( b ).

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
Please reopen my previous complaint. XXXX. The information you received from RHF is wrong. At NO time did I initiate a {$20.00} transaction. I am a client of RHF and have experienced a serious security breach of my account. Despite numerous attempts to resolve this issue through your customer service channels, I have been met with persistent obstacles and a complete lack of adequate support. Specifically : On XX/XX/XXXX, Compromised Account : My account was hacked, and two unauthorized devices were added without my knowledge or consent. Fraudulent Transactions : Two separate attempts were made to transfer {$2000.00} each from my bank account into my RHF account. I was forced to contact my bank directly to halt these fraudulent transactions. Failed Customer Support : Your customer support system has proven to be inadequate. I have experienced repeated disconnections due to poor reception on what appear to be personal cell phones used for customer service. This has prevented me from effectively communicating with your representatives. Unauthorized Charges : RHF has added charges to my account related to bounced payments on what appears to be a fraudulent Bitcoin ( BTC ) account, which I did not authorize. Refusal to Address Security Breach : Despite providing evidence of the security breach, RHF has refused to take appropriate action to rectify the situation, and has sent me correspondences stating they will not reimburse me, even though I have not requested reimbursement, but rather a correction of the false charges and a security resolution. ONGOING FRAUD : As of this writing, the fraudulent activity continues. Today, ( XX/XX/XXXX ) another unauthorized transaction occurred : an order for XXXX that I did not initiate. RHF has confirmed via email that this fraudulent order has been completed, demonstrating the ongoing and immediate threat to my assets. I have compiled records of all communication attempts, bank statements demonstrating the fraudulent activity, and correspondences from RHF. I intend to pursue legal action to recover all financial losses incurred, as well as any legal fees and other associated costs. No actions have been taken so far. I am asking that RHF do the following : Remove all unauthorized charges from my account. Reverse the unauthorized XXXX transaction that occurred. Conduct a thorough investigation into the security breach. Implement necessary security measures to prevent future incidents. Provide a secure method of communication to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Twice I have submitted a claim to refund my money that was taken out of my account unauthorized, and twice I have been denied claiming it was done by myself or someone I authorized. 

The unauthorized withdraw occurred on XX/XX/year> at XXXX withdrawing the {$7600.00} I had in my cash app to XXXX XXXX XXXXXXXX , a bank I do not associate and have never associated with. The next day I filed a claim for refund and was denied, then resubmitted on XX/XX/year> and again was denied Below I will detail what occurred : * Approximately one month ago, I contacted in-app Cash App support regarding raising my Bitcoin ( XXXX ) purchase limit. I was told this could not be adjusted, but no reason was given, nor was any reason given as to why my limit was not the usual base limit. I was met with the same answer repeatedly, most likely an AI automatic reply even though I was supposed to be speaking with an advocate * Two weeks ago, on XX/XX/year>, I received a phone call from someone claiming to be Cash App support, referencing this specific issue. The caller had knowledge of the specifics of my prior inquiry, email address, and phone number, which led me to believe the call was legitimate. 
* The caller, identifying himself as XXXX, claimed the XXXX limit could be increased through a verification process. I was given a direct line ( XXXX ) and received calls from that number after the initial from XXXX. 
* Over a few days and many hours, I was guided through steps that involved selling XXXX I held in the app, transferring funds from my bank to the app, and verifying my Cash App cardall under the guise of enabling a higher XXXX limit. These conversations involved the disclosure of personal and account information that was stressed as necessary for verification. 
* While most of these conversations happened via phone call, I do have a few text messages where he claimed it was necessary for me to confirm certain details via message, like what we were increasing to and the current balance in my account when we started * This was a sophisticated social engineering scheme that leveraged both timing and insider knowledge of my support history to manipulate my trust and gain access to my account * After I noticed the withdraw and reported it, I tried calling that number multiple times but never got an answer. I assume I was blocked after they attained access to my account and got what they wanted I notified Cash App that the EFTA explicitly covers unauthorized transactions resulting from fraud, scams, or coercion, even if account credentials were obtained under deceptive circumstances, which is exactly this scenario. Yet they have refused to properly investigate and keep denying my claims. Each investigation has only been a couple days, and they will not even provide me the documentation behind their reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
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 2025-05-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complains has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the transition credit reporting agency, block information from appearing on my consumer credit report that Is the result of identity theft and fraud within 4 days of receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX on XXXX under the account number XXXX with a balance of {$530.00}. A credit card opened with XXXX XXXX on XXXX under account number XXXX with a balance of {$290.00}. A credit card opened at XXXXXXXX XXXX XXXX under account number XXXX with a balance of {$5900.00}. A credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$380.00}. A credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$180.00}. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on m consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquires mentioned.The aforementioned accounts, collections, and hard inquiries were not opened, made or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( Reference number XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complains has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the transition credit reporting agency, block information from appearing on my consumer credit report that Is the result of identity theft and fraud within 4 days of receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX on XXXX under the account number XXXX with a balance of {$530.00}. A credit card opened with XXXX XXXX on XXXX under account number XXXX with a balance of {$290.00}. A credit card opened at XXXXXXXX XXXX XXXX under account number XXXX with a balance of {$5900.00}. A credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$380.00}. A credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$180.00}. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on m consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquires mentioned.The aforementioned accounts, collections, and hard inquiries were not opened, made or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( Reference number XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I got approved for a credit card from Fit which gave me a {$400.00} credit line once I paid the {$95.00} fee which I did then they removed {$99.00} for a fee that was never stated on terms

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 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Account Collection Management # XXXX I'm unaware of this debt an did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX AND Bounce AI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I sent a letter requesting Debt Validation on XX/XX/scrub> 2025. They refused to validate my debt in writing as I requested. I have disputed this with XXXX, XXXX and XXXX  repeatedly only to receive a claim that the debt is verified, yet I have not received any of the written documentation I requested. This is damaging to my credit.

Company response to consumer: Closed with explanation