vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
In reviewing my credit reports in XX/XX/year>, I discovered that several student loan and credit accounts were reported under an incorrect name and identity. The reports list the name XXXX XXXX XXXX, but my correct legal name is different. Because of this mismatch, multiple tradelines, including federal student loans and revolving credit accounts, are being reported inaccurately. 

I disputed these inaccuracies directly with the credit reporting agencies and provided documentation of my correct identifying information, including government-issued identification and proof of address. Despite this, the same accounts continue to appear under the incorrect name. 

These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), which requires credit reporting agencies to ensure the accuracy and verifiability of consumer information, and Florida Statutes 501.0051, which prohibits the creation or use of records containing incorrect identifying information. In addition, Florida Statute 817.568 makes the use of inaccurate personal identifying information unlawful. 

I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies and furnishers conduct a proper reinvestigation and delete or correct all entries reported under the incorrect name, as they are inaccurate and unverifiable. 

The continued reporting of these false records has caused adverse credit effects, including denials and higher rates, and constitutes negligent or willful noncompliance under the FCRA. I am submitting supporting documentation, including copies of credit report excerpts, proof of my identity, and my previous written disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
In reviewing my credit reports in XX/XX/year>, I discovered that several student loan and credit accounts were reported under an incorrect name and identity. The reports list the name XXXX XXXX XXXX, but my correct legal name is different. Because of this mismatch, multiple tradelines, including federal student loans and revolving credit accounts, are being reported inaccurately. 

I disputed these inaccuracies directly with the credit reporting agencies and provided documentation of my correct identifying information, including government-issued identification and proof of address. Despite this, the same accounts continue to appear under the incorrect name.

These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), which requires credit reporting agencies to ensure the accuracy and verifiability of consumer information, and Florida Statutes 501.0051, which prohibits the creation or use of records containing incorrect identifying information. In addition, Florida Statute 817.568 makes the use of inaccurate personal identifying information unlawful. 

I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies and furnishers conduct a proper reinvestigation and delete or correct all entries reported under the incorrect name, as they are inaccurate and unverifiable. 

The continued reporting of these false records has caused adverse credit effects, including denials and higher rates, and constitutes negligent or willful noncompliance under the FCRA. I am submitting supporting documentation, including copies of credit report excerpts, proof of my identity, and my previous written disputes.

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 2025-10-25 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: GA

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

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 2025-10-24 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: Capital Accounts, LLC
State: TX

Complaint narrative:
XXXX  XXXX is furnishing a closed credit card tradeline that it characterizes as payment after charge off - collection. The account was opened XXXX, closed XXXX, with a high balance of {$950.00} and a credit limit of {$750.00}. XXXX shows Closed - Payment after charge off - collection with {$0.00} balance and no two-year history, indicating the account has been treated as a loss and subsequently paid or settled.

Specifically on the XXXX  view : High Balance {$950.00} - Date Opened XXXX - Closed XXXX - Payment after charge off/collection - Revolving account. 

XXXX XXXX has not provided any documentation to substantiate the accuracy and completeness of the furnished data as required under FCRA 15 U.S.C. 1681s-2 ( a ), nor has it demonstrated it conducted a reasonable investigation upon dispute as required by 1681s-2 ( b ) and 1681i. If XXXX XXXX treated any portion of this balance as canceled or forgiven, there should be supporting tax reporting for any canceled debt of {$600.00} or more under 26 U.S.C. 6050P. I never received a Form 1099-C, and XXXX XXXX has not produced one. The absence of required documentation calls into question the accuracy and completeness of the tradeline. Further, the furnisher must meet accuracy obligations under Regulation V - 12 CFR 1022.42.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The company damaged my credit report with inaccurate information. Ive never had business with such company. Ive requested a debt validation from them 30 days, they never send me anything ; in the meantime, they are still reporting negative information about me to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/year>, my Robinhood brokerage account was compromised by an unauthorized third party. The hacker liquidated over {$60000.00} worth of my holdings in XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). They also used margin investing and borrowed an additional ~ {$60000.00} from Robinhood, using both my funds and margin to trade a total of roughly {$120000.00}. In the end, they made about 34 unauthorized transactions.

The unauthorized trades resulted in severe losses. By the time I noticed and changed my password to stop further activity, my account balance had dropped to about {$14000.00} in cash and {$5000.00} in remaining shares, leaving only ~ {$19000.00} total. In other words, I lost over {$40000.00} in assets as a result of this fraudulent activity.

I immediately called Robinhood within two hours of discovering the trades and asked them to freeze my account, stop all further trading, and investigate the matter. They confirmed that a case was opened but took no effective action to protect my assets. On XX/XX/year>, Robinhood informed me that they would not reimburse me for any of the losses, despite the trades being unauthorized and reported promptly.

Robinhoods handling of this situation has been negligent. I am seeking investigation and resolution, including reimbursement for the unauthorized losses and clarification of how these trades were allowed to occur despite account security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2025-10-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiries FCRA 604 & 609 ( e ) Dear Equifax Dispute Department, I am writing to formally dispute several hard credit inquiries appearing on my Equifax credit file that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the express written consent of the consumer. I have not provided authorization for the inquiries listed below and therefore demand an immediate investigation and removal pursuant to FCRA 611.

The disputed inquiries are as follows : XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX Dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX I request that you : Conduct a full investigation into each inquiry listed.

Provide documentation or evidence showing I granted explicit consent for these inquiries.

If no written authorization is found, immediately delete the unauthorized inquiries from my credit file as required by FCRA 611 ( a ) ( 1 ) ( A ).

Please note, under FCRA 611 ( a ) ( 5 ), Equifax must provide written notice of the results of this investigation within 30 days of receipt. I also request that all verified deletions be confirmed to me in writing.

Failure to comply with these requirements may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I am not responsible for these accounts, which appear fraudulent. Please investigate and remove them immediately. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
The false mark provides an inaccurate view of my payment practices. Please review and update my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
Please accept this letter as my official dispute regarding the accounts in question. I have no affiliation with them, nor did I authorize their creation. I request their prompt deletion and a thorough review. Documentation is attached for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank CaseXX/XX/XXXXXXXX I have made XXXX separate phone calls to Ally Bank Customer Service : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX( XXXX ) XX/XX/XXXX( hung up on ) XX/XX/XXXX( XXXX ) After speaking w/ the supervisor on XX/XX/XXXX night I requested an audit providing an explanation of the lack of transparency, and where the money went from the bucketed accounts. It showed as going out, but was not shown going into the spending account. The supervisor on XX/XX/XXXXnight informed me that " only {$820.00} was available to pay the {$1200.00} transaction so XX/XX/XXXXXXXX {$130.00} was needed to pay the {$1200.00} Transaction ''. If that was truly the case then there must have been {$620.00} in transactions drawing down acct XXXX from {$1400.00} to {$820.00}. However there not any transactions shown that would validate that, because they do not exist. The supervisor said she could see the explanation, and that for some reason I could not. 
The first explanation that I was given on XX/XX/XXXX night was that end of day operations were happening and to call back tomorrow because maybe it would be reflected. Only problem being was that the transactions in question occurred on XX/XX/XXXX and XX/XX/XXXX. 
At no time were there insufficient funds in my account to cover the {$1200.00} withdrawal. 
After depositing {$400.00} on XX/XX/XXXX my balance was XXXX and there were no transactions in the Activity log after the {$400.00} deposit and the {$1200.00} withdrawal. 

XX/XX/XXXX different people w/ no acceptable explanation, only double talk and references to may savings account where I transferred funds from. No transparency whatsoever to back the claims made by XXXXXX/XX/XXXX An anomaly that I noticed is that there was XXXX after the XXXX - {$1200.00} = {$240.00} in the spending account And there was also {$240.00} remaining in my Auto-Bills Bucketed account after {$130.00} was removed from it. 
I was told that it would take XXXXXX/XX/XXXX days for a response and that is also unacceptable to me. I am being denied access to my own money.

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 2025-10-25 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-25 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account was fully settled, but inaccurate late payment marks remain.

Company response to consumer: Closed with non-monetary relief