vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following 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 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 - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting XXXX  Account for amount XXXX XXXX XXXX To Whom It May Concern, I am filing this complaint regarding an account reported under the name XXXX XXXX XXXX XXXX XXXX, which appears on my * * XXXX  and Equifax credit report * * as a * * charge-off account with a balance * *. 

This account is being reported by a * * debt collector who purchased the account * * and placed it directly on my credit report * * without first providing me notice or the opportunity to challenge or validate this debt * *. Such action is in violation of the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, which requires debt collectors to provide validation of a debt before engaging in collection activity, including credit reporting.When I recalled that debt been XXXX when the credit line was just XXXX Additionally, reporting this debt in this manner violates the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) * *, which requires information furnished to credit reporting agencies to be complete and accurate. A debt collector can not simply insert a balance into a credit report without validating its accuracy and without affording the consumer due process. 

I am requesting that the CFPB investigate the following : XXXX. What steps did the debt collector and XXXX  take to ensure this account was accurate before furnishing and publishing it? 
XXXX. What documentation was used to verify and validate this account prior to its placement on my credit report? 
XXXX. Why was I not provided with the proper validation notice prior to this account being reported? 

Under * * FCRA 611 ( 15 U.S.C. 1681i ) * *, I am demanding copies of all documents used to verify this debt within * * 10 business days * *. If validation can not be produced, this account must be * * removed from my credit report immediately * *. 

The continued inaccurate reporting of this account is causing damage to my credit profile. I am requesting the CFPBs immediate assistance in holding both the furnisher and XXXX  accountable for these violations. 

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
An international money transfer was executed on XX/XX/year>, using MoneyGram 's reference number XXXX, with an expected delivery date of XX/XX/year>. MoneyGram acknowledged the transfer and stated that it will be deposited in the receiver 's account or wallet as designated. However, the money was never deposited in the receiver 's account. 
After many phone calls to MoneyGram Consumer Service, we received an email from this office on XX/XX/XXXX XXXX XXXX They determined that an error occurred with the transaction ; however, they are not assuming any responsibility for such error. Whatever the issue with this transaction was, it is not related to any of my actions or the information I provided ; the same receiver has received multiple transfers deposited in his account during the current year. 
MoneyGram agrees to refund only the transfer fees of {$1.00}, but not the {$100.00} transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
in XXXX i transfered XXXX rewards points to XXXX but received a server error. XXXX did not receive the points. I opened a complaint and was denied without cause or reason, i have called XXXX times in the past XXXX  months and get the same response. there is nothing i can do. I am paying an annual fee for this card. and i can not obtain the point i earned through purchases. customer service has hung up on me XXXX  times. please provide the credit of XXXX points. i have provided all the information requested by the case manager and have received no information the only update is that there is nothing we can do. this account is a credit card with an annual fee which give points thats the only reason i opened the card. if i close the card i will see a hit to my credit report. if i keep the card open i have to pay another annual fee and not receive the proper credit for my rewards spending. i have no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I requested a replacement card as I lost mine. My paycheck was deposited that day and I planned on using the digital card in the meantime. After canceling my card and requesting the new one, I realize I can't view my digital card. I called and was informed after the fact Payactiv was updating its security system and not providing digital cards. Their website claims they will initiate a transfer to another account which will take XXXX hrs so I request XXXX. I was met with resistance, told I had to wait for my new card, and had to argue for XXXX minutes before the man to agree to transfer my money. XX/XX/XXXX I call for an update as I haven't received my money I'm told someone will be calling me that day, to send my ID in the meantime. On the XXXX I call again for an update and again am told someone will call that day. XX/XX/XXXX at XXXX am someone calls. It's at this time I'm told they will only transfer {$500.00} at a time meaning I will have to wait XXXX hrs in between each of the XXXX transfers I'll need to access my money. The new card will be here before I am able to actually transfer my money. MY MONEY. I also lose access to any old transactions and my balance from the old card was {$1700.00} but the new card only has {$1700.00} and I can't account for the difference. All customer service is outsourced overseas and is very difficult to get someone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
I've had my Robinhood account for a few months and I've been using it normally to buy stocks, XXXX 's and cryptocurrency. I have approximately XXXX $ in my Robinhood wallet. Everything was working smoothly until on XXXX XX/XX/year> I made a mistake, I accidentally linked another bank account with my Robinhood account which led to my Robinhood account becoming restricted. They requested bank statements and proof of identity on XXXX XX/XX/year>, and I sent them all the required documents. Then I received an E-mail from Robinhood stating that my account would be terminated and if I'm eligible I would receive my money back to my linked bank account. I asked them what they mean by 'If you're eligible ' and that when would I receive my money back. It's been more than 10 days and despite sending them E-mails daily asking for an exact date of refund, I have not received my money or clarity on when I'll receive my money. On XXXX XX/XX/year>, I received an E-mail stating that my case has been closed, yet I still did not receive the money in my bank account. I sent another E-mail today on XXXX XX/XX/year> asking for my money but they replied to my E-mail without clarifying my question or giving me a date for refund. I have bills to pay for and I require the money urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
Freedom mortgage foreclosed on our home in XXXX. There was a XXXX balance left, but they have reported that {$5.00}, XXXX is still owed. They have confirmed over the phone that the account has a XXXX balance, but no proof has been sent of that, and no change to the credit companies has been made. Anytime I ask for a simple emails stating theres no balance it becomes juggling from one rep to another and being told fax us the inquiry which has been done as well.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have appeared on my credit report. These accounts do not belong to me, and I did not authorize their creation or use. Their inclusion is entirely inaccurate and unfairly damages my financial reputation.

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 2025-09-23 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: LA

Complaint narrative:
On XX/XX/year> I submitted a report against 3 credit bureaus concerning inaccurate names addresses, and high amounts on my credit report. Like " clockwork, '' TransUnion has dropped my credit score by 20 points! Experian also drops my score when TransUnion does which is supposed to be independent on its decisions.

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 2025-09-23 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: LA

Complaint narrative:
On XX/XX/year> I submitted a report against 3 credit bureaus concerning inaccurate names addresses, and high amounts on my credit report. Like " clockwork, '' TransUnion has dropped my credit score by 20 points! Experian also drops my score when TransUnion does which is supposed to be independent on its decisions.

Company response to consumer: Closed with explanation