vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by deleting accounts from my credit report and then re-adding ( reinserting ) those same accounts without proper notification or verification.

Summary of the Issue : I previously disputed certain account ( s ) with Experian which were subsequently deleted from my credit report.

On a recent review of my credit report, I discovered that Experian reinserted one or more of the previously deleted accounts.

I did not receive any written notification within XXXX  business days of the reinsertion, as is required by FCRA Section 611 ( a ) ( 5 ) ( B ).

Experian has also failed to provide any documentation or verification that supports the reinsertion of these accounts.

Key Details : Credit Bureau Involved : Experian Account Name ( XXXX ) : [ XXXX XXXX XXXX XXXX XXXX ] Account Number ( XXXX ) : [ XXXX ] Date of Deletion : [ XXXX ] Date of Reinsertion : [ XX/XX/year> ] Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to provide written notice within XXXX business days of account reinsertion. 
Failure to provide the name, address, and telephone number of the furnisher that verified the information. 
Potential failure to properly verify the account before reinsertion.

Requested Resolution : Immediate deletion of the reinserted account ( s ) unless Experian can provide full documentation verifying the accuracy of the information.

A written explanation from Experian detailing why the account ( s ) were reinserted and proof of compliance with FCRA notification requirements.

Appropriate regulatory action or investigation into Experians practices to prevent this from happening to other consumers. 
I have attached supporting documentation, including copies of my credit report before and after the reinsertion, my previous dispute submission ( s ), and proof of identity.

Thank you for your attention to this matter. I respectfully request that the CFPB investigate Experians conduct and hold them accountable for any violations of consumer protection laws. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX loop XXXX SC, 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for their failure to remove an outdated and incorrect fraud victim indicator, fraud alert, and File Frozen Due t

o Federal Legislation status from my credit file. I have contacted Equifax multiple times and provided all requested documentation, including referencing two previous case numbers that were assigned to my dispute. Despite this, the alert and freeze remain on my profile.

These inaccurate notations are now negatively impacting my access to credit, housing, and other financial services, and Equifax has failed to take corrective action in a timely and compliant manner.

I provided two dispute reference numbers ( XXXX & XXXX ) to Equifax regarding this issue. 
I submitted proper identification and a written request to remove the alert and freeze. 
I was told the matter would be resolved, yet the indicators remain. 
This inaccurate data is being shared with third parties, unfairly flagging my profile and causing unnecessary denials and delays. 
This failure to act is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate information and properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my 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 2025-05-29 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 presented the investigation from the Federal Bureau of Investigation ( FBI ), which indicated, XXXX people were defrauded, and court documents were filed in the New York District court. The United States Department of Justice determined, as of XX/XX/year>, XXXX credit cards were used, the total amounts of available credit was charge to the credit limit on those cards. The FBI case number is : XXXX XXXX XXXX XXXX  XXXX. I also filed a complaint with the Federal Trade Commission ( FTC ), XXXX XXXX : XXXX. 
The accounts which were compromised are : XXXX XXXX XXXX, Account Number : XXXX, in the amount of {$20000.00} ; XXXX XXXX, Account Number : XXXX, in the amount of {$20000.00} ; and XXXX XXXX, Account Number : XXXX, in the amount of {$5000.00}.

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 2025-05-29 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: NY

Complaint narrative:
I presented the investigation from the Federal Bureau of Investigation ( FBI ), which indicated, XXXX people were defrauded, and court documents were filed in the New York District court. The United States Department of Justice determined, as of XX/XX/year>, XXXX credit cards were used, the total amounts of available credit was charge to the credit limit on those cards. The FBI case number is : XXXX XXXX XXXX XXXX  XXXX. I also filed a complaint with the Federal Trade Commission ( FTC ), XXXX XXXX : XXXX. 
The accounts which were compromised are : XXXX XXXX XXXX, Account Number : XXXX, in the amount of {$20000.00} ; XXXX XXXX, Account Number : XXXX, in the amount of {$20000.00} ; and XXXX XXXX, Account Number : XXXX, in the amount of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-29 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:
Hi, Im submitting this complaint becuz Equifax is reporting a collection account from XXXX XXXX XXXX XXXX, account number XXXX * * * *, for {$1000.00}. I wan na make clear that I dont recognize this debt and I never agreed to it or got any kind of notification about it.

I didnt recieve any letters, bills, or validation before it just showed up on my credit report. According to the FDCPA ( 15 U.S.C. 1692g ), I have the right to request validation of the debt, but up to now no one has provided any legal proof no signed agreement, no account records, nothing showing I owe this amount.

Under the FCRA ( 15 U.S.C. 1681i and 1681g ), I also have the right to dispute and ask for a reinvestigation when the information is not 100 % accurate or complete. I already did that and I still havent gotten any real response.

This is hurting my credit without any verified documentation or legal confirmation that this debt is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
MOHELA placed me into forbearance based off of being in the SAVE program, but I am not in the save program. I would like to be taken out of forbearance and remain on my current repayment plan. I have emailed and called multiple times and have received no response or been told an " advanced agent '' can only fix it. I have been on hold for four plus hours many times without speaking to a human being. MOHELA has been contradicting themselves. I have no confidence they can effectively manage my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
around XX/XX/XXXX and XXXX I received money from XXXX friends for a XXXX XXXX. They wrote the word XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( the word was flagged as a need for triggered a compliance review and even though it was just a small donation to help me pay for flights and food for myself - i dont even want to repeat the word here to avoid more trouble ) but Because of that, Cash App has frozen my account.... not just the total donations of XXXX from these XXXX friends XXXX XXXX ... but all of what i have in cash, stocks and XXXX  as well. It has been since XX/XX/XXXX - i sent many emails and initiated many chats and calls ... yet they have not released.... they keep saying an expert will check and let me know, but that has not happened, every time i call they give me a new case, then that say its closed and resoled, and its NOT, i hv no accesss to my stocks and XXXX  not can doany cashapp transfers, XXXX they said the cash card was closed but i can do regular transfers, its also not ture. 
the money XXXX is not so much my concern... today my friends who also got into the investigation due to the words they wrote, received news their funds will go back. but my acct is still frozen, i hv a lot of money on XXXX, i missed great days of trade and could hv sod, and i am stuck... 

after some of my calls, they asked why i had that transfer i explained already XXXX it was a XXXX XXXX XXXXXX/XX/XXXX to XXXX i went as a help to local people XXXX, its like humanitarian work, its a legal XXXX  to travel as am an XXXXXXXX XXXX XXXX... i sent copies of the flight and XXXX  and explained my friends just gave me a love offering to help me. 

my docummentations to show this was a missions ( help /humanitarian trip ) i never withdrew any money i didnt send any to anybody in the island i didnt ask the lady/guy to write that word, i am just the recipient of that, i am licensed to do XXXX  XXXX  i never broke any rules like that yest XX/XX/XXXX i sent the XXXX time the info and copies of my trip i am still waiting for my release, but when i call, they say case resolved??? 

this issue is causing serious disruption to my personal and professional responsibilities, including access to my funds, stocks, and investments. 
EVERY TIME I CALL cashapp they say the case was closed or resolved, and its NOT resolved. My account is still blocked and all my money and bitcoin too RESOLVED FOR ME, MEANS, ALL MY FUNDS ARE RELEASED TO ME, WITHOUT FURTHER STRESS this is not the same outcome I hv seen, I am sending all docs that shows I did go on a mission trip to give my testimony of XXXX XXXX and help local people as XXXX  help. I got the proper lawful visa my XXXX XXXX falls under the authorized travel categories outlined by the U.S. Department of the Treasury 's Office of Foreign Assets Control ( OFAC ), specifically under : help local people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-05-29 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:
XXXX repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Moon Inc.
State: OK

Complaint narrative:
On XX/XX/year> I purchased from LibertyX through XXXXXXXX XXXX XXXX XXXX XXXX XXXX  worth of XXXX. Instead of redeeming my pin they banned my account and refused to send me the XXXX. I was told numerous times for a year that they sent a refund check but it was never received. After XXXX  months they banned my help desk account without a reason and blocked my email taking away my access to the chat logs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is continuing to allow unauthorized access to my credit file. I DID NOT authorize the following companies to pull my Experian file : XXXX  on XX/XX/XXXX, XXXX and XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I spoke with a representative on the phone on XX/XX/XXXX who assured me they would remove these unauthorized inquiries that are fraudulent and that still has not happened.

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 2025-05-29 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: NJ

Complaint narrative:
Im formally requesting that you certify that every piece of data tied to this account truly and fully belongs to me. That means full verification not assumptions, not partial matches, but complete accuracy down to every detail.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year>

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$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