vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
Several inaccurate personal information on my credit file continue to be inaccurately reported. These inaccuracies not only misrepresent my true identity but also create a misleading and incomplete picture of my credit history. Under the Fair Credit Reporting Act ( FCRA ) XXXX, I am protected against errors in my credit information, and the reporting furnisher is legally obligated to investigate and correct, update, or remove any information that is incomplete, inaccurate, or unverifiable. These ongoing errors have the potential to negatively impact my creditworthiness and financial reputation. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I therefore insist that all inaccurate personal information be thoroughly reviewed, corrected, or updated immediately to ensure that my credit file accurately reflects my true personal and financial history, in full compliance with federal consumer protection laws. 
There are several collection accounts appearing on my credit report that appear to be inaccurate, incomplete, or otherwise unverifiable. These reporting errors misrepresent my true credit history and may negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 611, consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information.

Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a legal obligation on furnishers to investigate any disputed information and to promptly update, correct, or remove it if inaccuracies are found. 
Original Creditor XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance ; {$3000.00} XXXX XXXX Original Creditor XXXX XXXX XXXX Balance ; {$470.00} XXXX request that these collection accounts be reinvestigated, corrected, or removed if they can not be fully verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I am filing this complaint because my credit report contains a collection account and multiple inquiries that are inaccurate, fraudulent, and severely damaging to my financial reputation. These items do not belong to me, and their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting their permanent removal, not correction, to restore the accuracy and integrity of my credit file. 
My report shows a collection account XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX with a balance of {$1000.00} *. This account is not mine, unverifiable, and its reporting violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Additionally, my credit report contains unauthorized inquiries that I never approved, including XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXXXXXX XXXX  XXXX on XX/XX/XXXX. These inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) because they were conducted without my consent or permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: DISCOVER BANK
State: GA

Complaint narrative:
My purse and waller was stolen. I receive an alert that my Purchase was approve by another credit card company. I notified Discover of the situationIve submitted police reports. I have called on many occassions to have the unauthorized charges removed from my credit report. To no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
I am a victim of identity theft. Despite providing a police report and FTC Identity Theft Affidavit, Silverman Theologou LLP has pursued fraudulent accounts and taken tens of thousands of dollars from me. 

On XX/XX/XXXX, a wrongful default judgment was entered against me in XXXX XXXX, MD in favor of XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Silverman Theologou LLP seized more than {$43000.00} from my XXXX XXXX XXXX account through garnishment, despite my identity theft documentation. 

They also collected on a fraudulent XXXX XXXX XXXX XXXX default judgment, totaling over {$66000.00} wrongfully taken from me. 

These funds were seized even though I was never properly served in the original cases and repeatedly notified the firm and creditors that I was the victim of identity theft. 

During this time, Silverman Theologou LLP was unlicensed to collect debts in Maryland ( XX/XX/XXXX XX/XX/XXXX ), in violation of the Maryland Collection Agency Licensing Act ( MCALA ) and the Maryland Consumer Debt Collection Act ( MCDCA ). 

The firm also harassed me with threatening phone calls at all hours, including threats to take my home and vehicles, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

My court case against Silverman Theologou LLP is still ongoing, but because they wrongfully took all my money, I can not afford an attorney and must represent myself. It has not been easy trying to fight an unethical and unprofessional debt collection law firm by myself while they use intimidation and financial leverage to overwhelm me. 


What I have done : Filed police reports for identity theft. 

Submitted an FTC Identity Theft Affidavit. 

Disputed the judgments and garnishments in court. 

Filed complaints with state and federal regulators. 

Contacted both XXXX XXXX XXXX regarding the unlawful seizures. 

Amended my court filings to include FDCPA, FCRA, MCDCA, and MCALA violations.

Why this is unlawful : FDCPA 807 & 808 : Prohibits false representation and unfair practices ; the firm collected on debts it had no authority to pursue. 

FCRA : Ignored my identity theft documentation and police reports. 

MCALA / MCDCA : Collected debts without a license and used intimidation tactics. 

Due process violation : I was never properly served and my accounts were drained without lawful notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I financed a XXXX XXXX XXXX ( XXXX : XXXX ) through USAA Auto Financing on XX/XX/XXXX, purchased from XXXX Car Sales in XXXX, CA. 
In XX/XX/XXXX, USAA asked me if I had the title. I explained that I did not, and that the dealer should have provided it to USAA. I also contacted XXXX to request they resolve this with USAA. 
On XX/XX/XXXX, the vehicle was declared a total loss in an accident. My insurer ( USAA Insurance ) has stated they can not issue the settlement because USAA Auto Financing has not provided the title. 
I have contacted USAA Auto Financing multiple times since XXXX, and sent a formal letter on XX/XX/XXXX. XXXX XXXX XXXX has also contacted them. Despite this, the title issue remains unresolved. 
USAA continues to bill me monthly for loan payments on a vehicle that no longer exists, while also being the reason the insurance payout is blocked. This is causing severe financial hardship. 
I am requesting CFPB intervention to ensure USAA promptly resolves the missing title issue with XXXX XXXX facilitates the insurance payout, and suspends billing until this matter is corrected. 
Additionally, USAA continues to bill me for monthly loan payments on a vehicle that no longer exists, while simultaneously blocking the insurance settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Summary of the Issue : On XX/XX/XXXX, I was the victim of a bank impersonation phishing scam that led to unauthorized transactions through CashApps Bitcoin feature. Fraudsters spoofed XXXX XXXX XXXX phone number, impersonated a teller, and convinced me I needed to cancel out fraudulent charges. As a result, {$610.00} was stolen from my account. XXXX XXXX XXXX only credited me back {$11.00}, and because the fraud occurred through CashApps Bitcoin system, they referred me to CashApp. CashApp has refused to help, stating they cant do anything. 
XXXX of Events : On XX/XX/XXXX, I received a call that appeared to come from XXXX XXXX XXXX official phone number. The caller claimed to be a bank teller. 
They stated that my card was being used out of state and asked if it was me. I said no. 
The caller then instructed me to follow steps to cancel out the charges. Believing I was speaking to my bank, I complied. 
This process led to {$610.00} being stolen from my account through CashApps Bitcoin system. 
I immediately reported the fraud to XXXX XXXX XXXX. They investigated and credited me only {$11.00}, leaving {$600.00} lost. 
XXXX XXXX XXXX informed me that since the fraud occurred through XXXX XXXX, I would need to work with CashApp for recovery. 
I contacted CashApp multiple times, but their response has been that they can not do anything, offering no meaningful support or refund. 
Impact : This scam has been extremely inconvenient, stressful, and harmful to my mental health. I am a college student already struggling to manage my finances, and this unexpected loss of {$600.00} has created real hardship. I was misled by a sophisticated scam where fraudsters impersonated my bank using its own phone number, and I acted in good faith to protect my account. Instead of being supported, I have been left without protection by both XXXX XXXX XXXX and CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I payed to Lexington law for over a year every month and I was promised that my credit was going to be repaired. After a year of paying them monthly, my credit did not change and stay the same. Thats why after a year I decided to canceled my subscription with Lexington law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing fundamental inaccuracies in my entire credit file due to a " mixed file '' and severe account errors. The credit bureaus are reporting my personal information incorrectly, including my date of birth and my name in multiple variations. This core failure has led to the following specific, serious violations : 1. Duplicate Reporting ( XXXX ) : The XXXX auto loan is reported twiceonce as an installment account and once as a collection accountfor the same debt. 
XXXX. Inaccurate Account ( XXXX XXXX ) : TXXXX XXXX XXXX XXXX credit card is reported as closed with a balance that exceeds the original credit limit. This is a mathematical impossibility. 
XXXX. Incomplete Information ( All Bureaus ) : The XXXX account is reported as derogatory but with a missing and incomplete payment history, making the status unverifiable. 

I have sent formal dispute letters via certified mail to their legal departments. The bureaus are violating the FCRA by failing to maintain reasonable procedures for accuracy and completeness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
To whom it may concern ; My name is XXXX XXXX and Robinhood recently restricted my account with over {$90000.00} of funds in it without any specific reason. 

I have been holding and trading the stock : " XXXX XXXX '' for the past XXXX  months. The value of my portfolio went from {$88000.00} to over {$150000.00} and now back down to about {$90000.00}. I have not done anything out of the ordinary besides buying and selling the same stock. 

It is definitely the worst time to do this to me considering my portfolio is now down over 50 % over the past couple weeks. Since I am unable to buy or sell the stock anymore. I am missing out on potential gains. 

And since my money is held ; I am also unable to withdraw or move my securities to another Brokerage. 

I also withdraw money if needed for things such as Bills, Rent, Etc and being that today is XX/XX/XXXX. Robinhood withholding my funds right now is very frustrating and is causing me financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against AMERICAN EXPRESS a AMERICAN EXPRESS to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s- 2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
AMERICAN EXPRESS XXXX XXXX AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation