vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b'I am filing this complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act (FCRA) regarding multiple inaccurate and unverifiable accounts and personal information appearing on my credit reports.\n\nOn XXXX XXXX XXXX, I submitted a dispute requesting the reinvestigation and removal of the following inaccurate items. This followed prior disputes dating back to XXXX XXXX All three bureaus failed to remove, correct, or provide documentation verifying the accuracy of these items, despite being legally obligated to do so under 15 U.S.C.  1681i(a), 1681i(a)(7), and 1681e(b).\n\nDisputed Accounts:\n\nCharge Off  XXXX XXXX XXXX  Acct # XXXXCharge Off  XXXX   Acct # XXXXCollection  XXXX XXXX XXXX XXXX   Acct # XXXXCharge Off  XXXX  Acct # XXXXIncorrect Personal Information:\n\nAlso Known As: XXXX XXXX XXXXPrevious Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXViolations include:\n\nFailing to conduct a reasonable reinvestigation ( 1681i(a))\n\nFailing to provide the method of verification ( 1681i(a)(7))\n\nContinuing to report inaccurate information without maximum possible accuracy ( 1681e(b))'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the 2017 data breach involving Equifax, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to Equifax 's failure to adequately safeguard consumer data. 
Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ]. 
I respectfully request the following actions be taken : XXXX. A formal written confirmation detailing whether my personal information was affected by the breach. 
XXXX. A record of any unusual or unauthorized activity associated with my credit file since the date of the breach. 
XXXX. Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file. 
XXXX. Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ). 
XXXX. Access to free credit monitoring and identity theft protection services beyond what was previously offered. 
Please investigate this matter and provide a written response within the XXXX period allowed under the Fair Credit Reporting Act ( FCRA ). I expect a resolution that reflects XXXX responsibility in this matter and protects me from further harm. 
Thank you for your prompt attention to this matter.

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 2025-08-15 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The account reported by Nordstrom/TD Bank USA is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). The account reflects repeated Charge-Off notations well after the account was closed and after the Date of First Delinquency, which artificially extends the negative impact beyond the XXXX reporting limit under FCRA XXXX ( a XXXX. Furthermore, portions of the delinquency period overlap with the XXXX pandemic, during which the CARES Act ( Section XXXX ) required creditors to report accounts in a manner consistent with any accommodations or relief provided. The current reporting is misleading, unfairly damaging my creditworthiness, and does not reflect complete or accurate information as required by FCRA XXXX ( a ) ( XXXX ) ( A ). I am requesting that this negative reporting, including all late payment and charge-off notations, be permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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'm requesting a review for this late entry due to possible errors.

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 2025-08-15 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is to formally dispute the inclusion of a fraudulent account in my credit report. I have never authorized this account and have no connection to it whatsoever. Its presence is incorrect and unjustly harming my financial credibility.

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 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
On XX/XX/year>, I sent a {$700.00} wire transfer from my bank to my XXXX account. My bank confirmed that the transfer was successfully sent, and I have proof of this transaction. However, the funds were never credited to my XXXX account. 

Around XXXX, XXXX blocked my account without providing a clear explanation. Since then, they have repeatedly emailed me claiming that my {$700.00} has been refunded. Despite these claims, no refund has appeared in my bank account to date. 

I have contacted XXXX multiple times, provided proof of the original transfer, and asked for details of the alleged refund, but they have not provided any transaction confirmation or resolution. It has now been nearly XXXX months since the wire transfer, and my {$700.00} remains missing. 

I am requesting that XXXX immediately provide proof of the refund transaction or return my {$700.00} to my bank account. I am also requesting an explanation for why my account was blocked and why there is such a long delay in returning my funds.

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 2025-08-15 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 am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX CARD SERVICES XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX CARD SERVICES XXXX, which the banks confirmed would be removed but remains on my report. All of which are identity theft-related and should have been blocked under XXXX of the FCRA. XXXX refusal to act constitutes a violation of XXXX ( a ) ( XXXX ), for failing to conduct a reasonable reinvestigation, and XXXX ( a ) ( XXXX ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint

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 2025-08-15 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not reporting accurately ( XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ). I have a XXXX  day late payment showing for a month when I was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date : XX/XX/year>. XXXX  is showing the correct payment history. 

I am requesting that these payments be updated to XXXX XXXX XXXX immediately. You can not continue reporting information that you know is inaccurate. I have substantial doubts about the accuracy of these lates and am asking that you correct the record to reflect PAID NEVER LATE. Thank you.

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 2025-08-15 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice.

These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I currently have about \ {$980.00} in my Robinhood wallet. On XX/XX/XXXX, I tried to withdraw the amount, but my account was restricted. To lift the restriction, I uploaded the requested documents, and it was removed on XX/XX/XXXX. Immediately after, I attempted to withdraw my funds from the wallet to my bank account, but once again, they placed a restriction on my account, and I am unable to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S. Code XXXX ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent accounts were opened without my knowledge or authorization : XXXX OF XXXX Account number XXXX, XXXX OF XXXX Account number XXXX. 
As required by law, I am including the following documentation : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) XXXX. A copy of my government-issued ID and SSN. 
XXXX. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA XXXX as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

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 2025-08-15 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: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S. Code XXXX ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent accounts were opened without my knowledge or authorization : XXXX OF XXXX Account number XXXX, XXXX OF XXXX Account number XXXX. 
As required by law, I am including the following documentation : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) XXXX. A copy of my government-issued ID and SSN. 
XXXX. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA XXXX as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: MS

Complaint narrative:
I used a third party site for a payday loan. This account was linked to my checking account. The loan has been paid off a while, but I started seeing {$9.00} transactions that were being withdrawn through a transfer, biweekly. I went to the Moneylion app to see what it was. They are saying it is a membership for a " credit builder '' program. Which is have yet to see what it offers. It states membership fees are XXXX a month taken through biweekly transfer payments. This was not authorized at all. I have no business with this company. I tried to stop the drafts but I kept getting a message saying I had to wait because I had a payment processing. I tried almost everyday in XXXX, same message. I was able to unlink my bank account but it refuses to remove my debit card and will not let me delete my account. It gave a popup saying i had to approve terms and conditions to get the delete page. I called their " customer service '' and was on hold for XXXX minutes and then hung up and called my bank. I was able to stop transactions through them but it stated it may not be able to stop any pending transactions. I need this company to delete my information, return these " membership fees ''.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

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 2025-08-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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