vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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:
These inaccurate accounts are still showing up on my credit file and none of them were removed, which has left me extremely XXXX. I am urgently asking for a full review of the documents I provided so I can finally have some peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I was the victim of an identity theft and remote device takeover. A scammer spoofed a major companys phone number and convinced me to install a remote-access tool. They controlled my device, watched me unlock my password manager, and used my credentials to access my financial accounts. They sold my crypto and transferred funds without my authorization. My bank detected and stopped fraudulent activity immediately, but XXXX did not flag or block any suspicious transactions. XXXX twice denied my fraud report using the same template message and did not conduct a real investigation. I am seeking a proper review and help recovering my stolen assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AK

Complaint narrative:
I am submitting again to follow up on a dispute I submitted last dispute regarding inaccuracies on my Equifax, Experian and TransUnion credit report. Despite my previous dispute, my report continues to list addresses at XXXX XXXX XXXXXXXX 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 neither of which has ever been my residence or associated with any of my financial accounts. The continued presence of these addresses is misleading, creates unnecessary confusion, and raises the risk of further errors being attributed to me. Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. I expect Equifax, Experian and TransUnion to take this matter seriously, investigate these addresses with the relevant furnishing sources, and promptly update my file to reflect only accurate, verified addresses. 
Furthermore, my credit report continues to show a charge-off account from XXXX XXXX XXXX XXXX account number XXXX, reflecting a balance of {$10000.00}, opened on XX/XX/XXXX, and last activity reported on XX/XX/XXXX. I previously disputed this account on my previous dispute, but it has not yet been corrected. My records indicate that this account was handled properly, and the reporting on my file is inconsistent with its factual history. It is particularly concerning that this account is still reported as open on Equifax, Experian and TransUnion, which demonstrates a failure of accurate reporting and verification between the bureaus. Pursuant to 15 U.S. Code 1681i ( a ), I am demanding that Equifax, Experian and TransUnion conduct a full reinvestigation with the furnisher, provide documented proof supporting the accuracy of the current reporting, and immediately update my credit report to reflect the correct information. I can not stress enough how critical it is that this account be corrected without further delay.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this follow-up statement because my credit reports with Experian, Equifax, and TransUnion still contaXXXX inaccurate, incomplete, and conflicting information that has not been corrected despite my prior disputes. The Prestige FNL account continues to show inconsistent balances, opening dates, and late payment reporting across all three bureaus, and several other accountsincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverifiable or inaccurately reported, along with multiple addresses that do not belong to me. These unresolved discrepancies violate the accuracy and reinvestigation requirements under the FCRA, including 602A, 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), and they continue to harm my credit standing and financial opportunities. My fair solution request is for the CFPB to ensure that each bureau obtains proper verification from the original creditors, updates all items with correct information, and deletes any data that can not be fully validated, along with providing written confirmation of the corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing this new complaint because Cash App has failed to resolve my previous case ( referenced above ) involving {$13000.00} in unauthorized transactions. In my original complaint, ( XXXX ) I explained that Cash App allowed multiple unauthorized transfers to go through even though they exceeded my weekly sending limit. Cash Apps system should have blocked these transactions, but it did not. This system failure directly caused my financial loss. 

Cash App then mishandled the dispute investigation. They denied my claim without a proper review and prevented me from submitting additional evidence. I was blocked from adding documents, screenshots, and explanations that were necessary for a fair investigation. This has left me without access to the {$13000.00} that was taken. 

Because of this loss, I was unable to pay for basic needs. This money was intended for essential living expenses, and the failure to refund it caused severe hardship. 

I am now submitting this new complaint to include the additional issue : Cash App misrepresented or failed to enforce my weekly transaction limit, which should have prevented the unauthorized transfers in the first place. This is directly connected to my original complaint and should be reviewed together. 

I am requesting that the CFPB require Cash App to : 1. Reopen and properly investigate my original dispute.

2. Allow me to submit all evidence.

3. Explain why the weekly limit system failed.

4. Refund the full {$13000.00} that was taken without authorization. 

Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
I have had a cash app account for years all of a sudden they close my account. I have contact them several times to see why they have no explanation of what the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I am submitting this complaint because my credit report is showing multiple inaccurate and unverified accounts that are harming me financially. These creditors have failed to provide any proper documentation, proof, or verification, yet negative information continues to be reported. I am requesting CFPB assistance to force a full investigation and correction. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Charge Off Issue : I never received proof of any default. XXXX is inconsistent and unverified. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Charge Off Issue : No documentation, no proof of delinquency, and the charge-off reporting is inaccurate. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : I never made late payments and no records were provided. Reporting is incorrect. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late Payment Issue : These late payments are false and not supported by any verification. 
These items are damaging my credit, affecting approvals, and causing financial harm. I am requesting the CFPB to require the furnishers and bureaus to provide proper proof or remove/correct all inaccurate information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 id-entity 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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint regarding the bureau 's inaccurate reporting of multiple late payments. Their records falsely list several payments as late, despite the fact that these payments were made on time. This erroneous information persists on my credit report, directly harming my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TN

Complaint narrative:
I am filing a complaint because Equifax is reporting a XXXX XXXX XXXX  account as if it belongs to me, even though the account clearly lists me only as an Authorized User and I have no financial responsibility for it. 

I disputed this with Equifax on XX/XX/year> and provided evidence that I am only an AU. Despite this, Equifax verified that this item belongs to you. This is incorrect and misleading. 

I contacted XXXX XXXX directly to request verification that I had been removed and documentation proving responsibility. XXXX XXXX refused to provide any documents and also refused to speak with me, even though the primary cardholder previously authorized them to communicate with me. I no longer have access to the account. 

I have attached screenshots showing : 1. The XXXX XXXXXXXX tradeline identifying me as Authorized User 2. The Equifax dispute result stating we verified this item belongs to you. 



Under the Fair Credit Reporting Act, a credit bureau must conduct a reasonable investigation and may not report inaccurate or misleading information. Reporting me as responsible for a delinquent account where I was only an AU is inaccurate and harmful. I am requesting removal of the tradeline from my Equifax report, as AU accounts may be removed upon request and I am not the debtor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 submitting a complaint as my fifth official request for the removal of inaccurate, unverifiable, and unauthorized items that continue to appear on my credit reports despite my previous disputes. It is unacceptable that these items remain on my file, creating a false and misleading representation of my creditworthiness and causing ongoing harm to my financial reputation. 
Upon reviewing my Equifax report, I again discovered that Bank XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported as a charge-off with a balance of {$1600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], each credit reporting agency has an obligation to ensure the maximum possible accuracy of the information it reports. This account has never had a XXXX issued or provided, despite the balance exceeding {$600.00}, which makes the reporting of this charge-off unverifiable and legally impermissible. I have previously disputed this item, yet it remains, and I am therefore demanding its immediate removal from my Equifax file. 
In addition, I have observed multiple unauthorized hard inquiries still appearing on my Experian report. These inquiries include XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). I have never applied for credit with these entities on the dates listed, nor did I provide consent for any of these inquiries. The continued reporting of these inquiries is a direct violation of FCRA 619 ( 15 U.S.C. 1681q ), which prohibits obtaining a consumer report under false pretenses, and FCRA 604 ( a ) & 604 ( f ) ( 15 U.S.C. 1681b ( a ), ( f ) ), which restricts access to my consumer report to only entities with a permissible purpose. Despite my prior disputes, these inquiries remain on my report, and this letter constitutes my third and final removal request, specifically including the XXXX XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NY

Complaint narrative:
I disputed this account with XXXX XXXX because the information being reported is inaccurate and incomplete. XXXX responded stating they can not locate the date of last activity, but they are still reporting the account anyway. If a furnisher can not verify or provide complete and accurate information, they are required to delete or correct the item under the Fair Credit Reporting Act. 

Ally is reporting a derogatory account without providing required documentation or verification. This violates FCRA 1681s-2 ( b ), which requires a reasonable investigation. 

I am requesting that this account be properly investigated and either verified with complete documentation or removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AK

Complaint narrative:
I am submitting again to follow up on a dispute I submitted last dispute regarding inaccuracies on my Equifax, Experian and TransUnion credit report. Despite my previous dispute, my report continues to list addresses at XXXX XXXX XXXXXXXX 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 neither of which has ever been my residence or associated with any of my financial accounts. The continued presence of these addresses is misleading, creates unnecessary confusion, and raises the risk of further errors being attributed to me. Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. I expect Equifax, Experian and TransUnion to take this matter seriously, investigate these addresses with the relevant furnishing sources, and promptly update my file to reflect only accurate, verified addresses. 
Furthermore, my credit report continues to show a charge-off account from XXXX XXXX XXXX XXXX account number XXXX, reflecting a balance of {$10000.00}, opened on XX/XX/XXXX, and last activity reported on XX/XX/XXXX. I previously disputed this account on my previous dispute, but it has not yet been corrected. My records indicate that this account was handled properly, and the reporting on my file is inconsistent with its factual history. It is particularly concerning that this account is still reported as open on Equifax, Experian and TransUnion, which demonstrates a failure of accurate reporting and verification between the bureaus. Pursuant to 15 U.S. Code 1681i ( a ), I am demanding that Equifax, Experian and TransUnion conduct a full reinvestigation with the furnisher, provide documented proof supporting the accuracy of the current reporting, and immediately update my credit report to reflect the correct information. I can not stress enough how critical it is that this account be corrected without further delay.

Company response to consumer: Closed with non-monetary relief