vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had ordered an XXXX computer from XXXX XXXX of last year, the delivery left the package im assuming elsewhere, there was no picture of delivery or anything. I reached out to XXXX and they stated they would open up a claim, never heard back from them and or XXXX. I never filed a police report because i initiated the dispute with XXXX first before i even reached out to XXXX, I had conversations with XXXX, XXXX, and XXXX from XXXX. I have given them the same information and nothing has been done, then they are STILL charging me and restricting my account saying I owe. That is incorrect, i've ordered multiple items from XXXX and NEVER had an issue, I'm not sure where this package was delivered to but it was not ever delivered to me or my rental office at the time, I checked with neighbors and nothing. I want my XXXX  account fixed, and I want them to fix the reporting of my credit. I bought jewellry from them, and a XXXX tv that was almost XXXX paid ontime, never missed a payment, never had an issue and this is how they respond and do a good customer.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had ordered an XXXX computer from XXXX XXXX of last year, the delivery left the package im assuming elsewhere, there was no picture of delivery or anything. I reached out to XXXX and they stated they would open up a claim, never heard back from them and or perpay. I never filed a police report because i initiated the dispute with XXXX first before i even reached out to XXXX, I had conversations with XXXX, XXXX, and XXXX from XXXX. I have given them the same information and nothing has been done, then they are STILL charging me and restricting my account saying I owe. That is incorrect, i've ordered multiple items from XXXX and NEVER had an issue, I'm not sure where this package was delivered to but it was not ever delivered to me or my rental office at the time, I checked with neighbors and nothing. I want my perpay account fixed, and I want them to fix the reporting of my credit. I bought jewellry from them, and a XXXX tv that was almost XXXX paid ontime, never missed a payment, never had an issue and this is how they respond and do a good customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
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 explanation
Consumer complaint received 2025-09-09 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:
I am formally disputing the fraudulent accounts currently reported under my credit file. I have never authorized, opened, or been associated with these accounts, and their presence is entirely false and misleading. Reporting these accounts inaccurately undermines the integrity of my credit report, misrepresents my financial responsibility, and causes undue harm to my financial reputation.

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 2025-09-09 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3000.00} CAP XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX COLLECT XXXX Account Number : XXXX * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX COLLECT XXXX Account Number : XXXX * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Charge from XXXX Lawn Service To Whom It May Concern, I am writing to formally dispute a charge related to a lawn maintenance service that was billed to me by XXXX. I had a month-to-month service agreement with XXXX that I canceled after six months due to dissatisfaction with the service provided. After canceling, I did not authorize any further services, and I had no active relationship with the company at the time in question. 

Despite my cancellation, XXXX claims that a service was performed on XX/XX/year>, which was neither scheduled nor requested by me. This service, performed after my cancellation, was charged to me, which I believe constitutes an unethical business practice. I find it unacceptable to be charged for a service I did not request or authorize. 

Given that I no longer had an active contract with XXXX after my cancellation, I believe the charge is both erroneous and unjustified. I request that you kindly review this matter and remove any reference to this charge from my account. I also urge you to contact XXXX directly to resolve this issue and to ensure I am not held responsible for unauthorized services. 

Please be advised that I am prepared to take further action if necessary, including filing complaints with relevant consumer protection agencies and disputing the charge with my payment provider. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number with XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX XXXX ) for operational and customer-service failures that prevented me from accessing and transferring funds needed to close on a real-estate purchase scheduled for XX/XX/year>. These failures caused the transaction to collapse and led to significant financial harm. 

On XX/XX/XXXX ( morning ), I attempted to use XXXX transfer to escrow company option, which required a XXXX still being finalized. To avoid delay, I proceeded with a standard wire to the escrow company. XXXX system rejected the transaction, stating the routing number was incorrect. The escrow companys financial coordinator confirmed the routing number was accurate and had been used successfully that day. 

To mitigate risk, at approximately XXXX PM on XX/XX/XXXX I initiated a wire from my XXXX account to my personal XXXX account, intending to forward the funds to escrow before the XX/XX/XXXX closing. 

On XX/XX/XXXX ( closing day ), I made multiple urgent calls to XXXX to confirm wire status but could not obtain timely or knowledgeable assistance. I liquidated my portfolio to raise cash for the closing, then discoveredwithout prior noticethat my account had been restricted and the XX/XX/XXXX wire had failed. XXXX did not notify me of the failure or the restrictions. I was therefore unable to access my funds to close. 

As a direct result, the transaction failed. I forfeited my earnest-money deposit and incurred sunk costs ( inspection, appraisal, legal ), lost the opportunity to purchase the property, suffered liquidity and opportunity costs due to lack of access to my funds, and face potential credit impact arising from the failed closing. 

Allegations and regulatory concerns : Failure to execute legitimate transactions : erroneous rejection of valid banking details and failure to process a wire, with no timely notice of failure. 
Inadequate customer support during a time-sensitive, high-value event : inability to reach qualified assistance or obtain status updates. 
Unexplained and arbitrary account restrictions imposed without prior notice, blocking access to cash proceeds during a critical period. 
Deficient communications and controls : no real-time alerts for transaction failures or account status changes ; generic template responses after the fact. 
Operational weaknesses that foreseeably caused customer harm and XXXX affect other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
The credit evaluation fails to represent my actual finances.

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 2025-09-09 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: TX

Complaint narrative:
I am writing to demand the correction of the late payment that has been inaccurately reported on my credit file. My consistent payment record demonstrates that this entry is erroneous. Its presence not only undermines my proven financial responsibility but also unfairly harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint under the protections afforded to me by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The following accounts are being reported inaccurately and are causing severe harm to my credit profile, reputation, and financial well-being : XXXX XXXX Account XXXX XXXX * High Balance : {$1700.00} Date Opened : XX/XX/XXXX Status : Charge-Off This account is being reported as a charge-off, which is inaccurate and misleading. XXXX has failed to provide verifiable documentation proving the validity, ownership, and accuracy of this alleged debt. Reporting a charge-off without proper validation violates FCRA XXXX ( b ), which requires furnishers to conduct reasonable investigations when disputed, and FDCPA XXXX, which prohibits false, deceptive, or misleading representation of a debt. 

XXXX XXXX Account # XXXX * * High Balance : {$570.00} Date Opened : XX/XX/XXXX Status : Collection This collection account is being reported without proper validation of debt ownership or itemization. XXXX XXXX has failed to provide the required written notice as mandated by FDCPA XXXX ( XXXX XXXX. XXXX ), which requires debt XXXX to provide verification of a debt within XXXX days of initial communication. Continuing to report this account without such validation is unlawful and misleading under FCRA and FDCPA guidelines. 

These inaccurate entries are damaging my creditworthiness and preventing me from accessing fair financial opportunities. I have exercised my right to dispute directly with the credit reporting agencies, but these accounts remain reported inaccurately. This is a direct violation of federal law, which requires credit reporting to be accurate, complete, and verifiable. 

Requested Relief : XXXX investigation into both accounts. 

Removal of unverifiable, inaccurate, or unlawful reporting. 

XXXX action against the furnishers and XXXX who have failed to comply with federal 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 2025-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  was paid 20 years ago. My wages were garnished to pay my loans in full. I dont owe anything. Please remove this from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
I am a victim of identity theft through Equifax data breach attached attached is a copy of my identity theft report with all fraudulent accounts listed

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I filed a Regulation E dispute with Cash App regarding an unauthorized electronic fund transfer on [ insert date ]. Under Regul

ation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ), a financial institution is required to either resolve a dispute within 10 business days or provide a provisional credit to the consumers account while the investigation continues. It has now been more than 10 business days since I filed my dispute. Cash App has failed to provide any provisional credit, instead telling me the investigation will take up to 45 days. While 45 days may be allowed for final resolution, the law clearly requires provisional credit within 10 business days unless the investigation is resolved sooner. By refusing to provide provisional credit, Cash App and its bank partner are in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MS

Complaint narrative:
I am formally disputing the fraudulent hard inquiries that have appeared on my credit report. At no point did I authorize these inquiries, nor was I made aware of them. Their presence is both inaccurate and damaging to my credit profile, compromising the integrity of my credit history.

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