vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX TX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of XXXX XXXX. While under XXXX  and XXXX, my identity and credit were misused. Accounts were opened in my name, payments were missed, and addresses were added without my consent. I did not have control over my finances. These items were reported to the credit bureaus and are now negatively affecting my credit. Under FCRA 1681c-3 ( b ), I have the right to have these entries including late payments and accounts used during the XXXX  permanently removed. I submitted a dispute with documentation, ID, and a verification letter from my care provider. These items were either not removed or not properly investigated. I am requesting that the CFPB intervene to ensure compliance with federal law and that my credit file is corrected.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I previously asked ( on XXXX XXXX ) for debt validation from Suttell & Hammer, and they responded with XXXX XXXXXXXX credit card statements and explanation that they are collecting on behalf of XXXX XXXX, but without any original contract or agreements between myself and XXXX XXXX, or with anything that shows they have the legal ability to attempt to collect said debt.

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 2025-07-22 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:
These accounts were not authorized by me and may be linked to fraudulent activity. I respectfully request their elimination from my credit history and a complete review. Supporting paperwork is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company said I used the wrong email and could confirm my account yet provided the last digits of account number in response. Typical Citi. Unsafely says it can't confirm me but still puts personal information in response. Citi did not address my concerns and lied that I haven't provided new information. XXXX month later still missing XXXX in funds stolen from my account. XXXX appeal with information added EVERY time. Citi is actively trying to pass it responsibility it has to protect my funds. Never sent a single alert that these charges were occuring. Let my account be completely empties. Doesn't acknowledge that it received policed report or police statement that a CARD skimmer was used at local gas station. So much has been provided to fraud department and not once have they reached out to me. They are criminals and refuse to make a proper investigation for what is clearly a FELONY. 

Emails so you can't say you didn't have it XXXX XXXX XXXX and personal

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Someone with ny email keep hacking into my account sending money to their self and other people XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX the amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am requesting a goodwill adjustment from XXXX XXXX XXXX regarding XXXX previously held personal loans, both of which are now closed and marked Paid. XXXX account was opened on XX/XX/XXXX and closed in XX/XX/XXXX, and the other was opened on XX/XX/XXXX and closed in XX/XX/XXXX. During the course of these loans, there were a few reported late payments. These late payments were due to temporary personal and financial hardships. Despite these setbacks, I took full responsibility and ultimately paid both accounts in full with no remaining balance.I am requesting that XXXX XXXX XXXX consider removing the late payment notations from my credit report as a goodwill adjustment, since the accounts are now paid and closed and I have worked hard to improve my financial responsibility. These negative marks are impacting my creditworthiness despite my demonstrated efforts to correct my financial behavior. I am not disputing the validity of the accounts, nor am I suggesting that XXXX XXXX XXXX reported anything inaccurately. I am simply asking for a goodwill adjustment as a courtesy to help me rebuild and reflect on my current financial discipline. 
I kindly request that this be considered and that the late payment notations be removed or updated to reflect Paid as Agreed for both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I reached out to SOFI to formally escalate an issue regarding a missing direct deposit that was allegedly rejected by SoFi due to my account being restricted. I received an email from SoFi stating that the funds were returned to the sender. However, there is no record of this deposit or return in my transaction history, and SoFi support has not been able to provide documentation confirming the return. When I asked them about the return they stated that deposits are automatically returned but I received an email saying the deposit was returned on the XXXX of XXXX but when I contacted Hawaii Unemployment they informed me that they havent received anything. SoFI hasnt been able to provide me with a transaction code for the return or anything like that. They keep telling me to contact Hawaii Unemployment but the Unemployment office is telling me that SOFI has to handle it because they are the ones who received the funds after they were disbursed. 

This deposit was from the Hawaii XXXX XXXX  XXXX XXXX XXXX XXXX ), and I urgently need this issue resolved to access my benefits. I asked them to Please investigate this matter and provide proof of the deposit and return, or a formal explanation of where the funds currently are. 



Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX I am filing this complaint regarding excessive hard credit inquiries that have been placed on my credit reports without proper authorization and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries have significantly damaged my credit score and ability to obtain financing. 
DETAILED COMPLAINT Problem : Over the past XXXX years, approximately XXXX hard credit inquiries have been placed on my credit reports by various financial institutions and auto dealerships. Many of these inquiries appear to be : Duplicative pulls by the same lenders Unauthorized inquiries beyond what I consented to Excessive inquiries clustered on single dates ( XXXX inquiries on XX/XX/XXXX alone ) Inquiries that should have been consolidated under FCRA shopping provisions Financial Harm : These excessive inquiries have : Significantly lowered my credit score Made it difficult to obtain financing Caused me to receive less favorable loan terms Created ongoing financial stress and hardship SPECIFIC VIOLATIONS Fair Credit Reporting Act Violations : 1. 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) - Inquiries made without permissible purpose XXXX. Rate shopping protections - Multiple auto loan inquiries within XXXX day periods should be treated as single inquiries XXXX. Lack of proper consent - Some inquiries appear to exceed the scope of my authorization Companies Involved Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And approximately XXXX other financial institutions EVIDENCE OF EXCESSIVE INQUIRIES Most Egregious Examples : XX/XX/XXXX : XXXX separate hard inquiries in XXXX day XXXX XXXX  : Multiple inquiries spanning from XX/XX/XXXX to XX/XX/XXXX Auto Shopping Periods : Inquiries not properly consolidated during legitimate shopping periods

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have funds in XXXX ( XXXX  ) on XXXX, but I can not view, access, or withdraw them. XXXX  does not show the asset in my portfolio anymore, and there is no communication or official statement regarding the status of XXXX. I have tried contacting customer support multiple times with no answer. Many other users are reporting the same issue, and no one has received a clear explanation. 

I am an international user and I urgently need access to these funds ( around XXXX in XXXX  ). The platform should not be allowed to block access to assets without transparency or user communication. 

As you can see from a XXXX chat screen, many of us have encountered exactly the same problem with XXXX. 

I request the CFPB to investigate this situation and ask XXXX  to unlock or at least communicate what is happening with XXXX  funds on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment * * Law Issue : Under FCRA Section 611 and Section 607 ( b ), furnishers of information must ensure maximum possible accuracy.

Story : This account is reporting late payments that I do not recognize. I have not received any delinquency notification. I am requesting a full reinvestigation and removal of any unverified or inaccurate data. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * * Law Issue : FCRA Section 611 mandates that inaccurate, unverifiable, or outdated information be removed upon request. 
Story : I was never notified of any charge-off. If the account was settled or is inaccurately reporting, it should be corrected or removed after proper reinvestigation. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} Chargeoff * * Law Issue : Under FCRA Section 611 and FDCPA regulations, unverified debt must be removed. 
Story : I do not acknowledge the accuracy of this charge-off. I have not received itemized debt validation. Until it's fully verified, it must be deleted due to the harm it causes to my credit. 

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation