vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
Subject : Request for Investigation and Removal of Unauthorized Accounts, Inquiries, and Incorrect Addresses under FCRA Dear experian credit bure, I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Unauthorized Accounts I do not recognize or authorize the following accounts on my credit report. Please investigate and remove them immediately : XXXX, XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Unauthorized Credit Inquiries The following hard inquiries were not authorized by me. Under FCRA 604 ( a ), these should be removed as I did not provide consent : XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( 2 inquiries XXXX XXXX XXXX XXXX XXXX XXXX 3. Incorrect Addresses The following addresses are inaccurate and do not belong to me. They should be removed immediately per FCRA 609 ( c ) : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at any of these addresses. 

4. My Personal Information Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX 5. Requested Action In accordance with FCRA 611, I am requesting that you : Conduct a prompt and reasonable investigation Remove all inaccurate, unauthorized, or unverifiable information Provide written confirmation of the outcome within 30 days Send me a corrected copy of my credit report 6. Attached Supporting Documents Copy of my government-issued ID ( e.g., drivers license ) Recent utility bill showing my current address Copy of my Social Security card ( if needed ) Thank you for your attention to this matter. I expect to hear from you within the 30-day time period as required by law. 

Sincerely, 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 2025-04-10 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: MD

Complaint narrative:
RE : XXXX XXXX XXXX XXXXXXXX In the past I have informed Experian that this account had fraudulent charges totaling {$6400.00}. I executed an FTC Identity Theft Report regarding those fraudulent charges. The current reported balance is around {$220.00}. After the {$6400.00} is credited back to me, the balance on this account should show a credit of at least {$6200.00}. I say at least because there has been interest charged on top of those fraudulent charges.

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 2025-04-10 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding the reappearance of an account reported by XXXX XXXX XXXX XXXX XXXX, account number XXXX, on my Experian credit report. 

This account was previously disputed and subjected to a debt validation request, to which XXXX XXXX XXXX XXXX XXXX failed to provide sufficient validation as required by law. Following this failure to validate the debt, the company submitted a deletion request to all major credit reporting agencies, including Experian, acknowledging the inaccuracy or unverifiable status of the account. 

Despite this, Experian has re-added the account to my credit file. This action is not only misleading and unjustified but also constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reintroducing unverifiable and previously deleted information without proper investigation and notification is a serious breach of federal consumer protection laws. 

I am requesting the immediate removal of this account from my Experian credit report and demand that Experian take corrective action to prevent further violations. 

Additionally, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter. I expect a timely and thorough review, and a resolution that includes the permanent deletion of the disputed account from my Experian credit 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 2025-04-10 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: NC

Complaint narrative:
This company continues to report false personal information on my credit report which the company turns around and use the false information to verify accounts that are not mine

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood refuses to recover user crypto assets despite full technical control, inconsistent policies, and a misleading app interface. On XX/XX/year>, I transferred XXXX XXXX via the XXXX XXXXk to a wallet address generated within the Robinhood app under the " Receive XXXX '' function. At the time, the app interface clearly showed XXXX as a supported network. I did not manually enter the address it was auto-generated by Robinhood.

The transaction was successfully confirmed on-chain. Robinhood 's support admitted the funds were received and remained untouched. Screenshots and blockchain data have been submitted and were also shared with their support. 

Despite this, Robinhood now claims the transfer was made over an unsupported network. This statement is misleading and factually incorrect : 1. XXXX was explicitly listed in their app UI as supported.

2. No warning or disclaimer was shown to indicate that XXXX on XXXX might be unrecoverable. 

Robinhood publicly states that it holds full custodial access to user wallets, including private keys, yet it refuses to act on a technically recoverable asset.

I requested recovery and offered to pay a fee, verify my identity, and sign a waiver. All were rejected.

Robinhood acknowledged that XXXX is recoverable under its policy but refused to clarify which networks or tokens are eligible. 

After I spent hours with three different agents, who all gave templated responses and avoided addressing the core questions technical feasibility and unclear policy Robinhood abruptly closed the case. The last email was a final template denial, after which they forcefully cut off communication.

Other users with the same issue ( sending XXXX via XXXX to Robinhood ) have successfully received recoveries. I was denied without explanation, which raises concerns of unequal treatment and internal policy inconsistency. 

This incident highlights : 1. A lack of transparency 2. Misleading user interface design 3. Inconsistent and evasive customer support 4. Failure to uphold fiduciary responsibility as a custodial platform Robinhood currently holds the asset and admits technical ability to access it yet chooses not to act, without a clear, written policy to justify the decision.

I have uploaded all supporting documents, including : 1. Screenshots of the Robinhood app UI showing XXXX as a supported network 2. Blockchain confirmation of the XXXXXXXX XXXX  deposit to a Robinhood-controlled wallet 3. Screenshot of the Robinhood-generated USDC address with XXXX selected 4. A PDF of 41 support emails showing contradictory statements and case closure 5. Public cases of other users facing similar situations Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Im disputing a collection amount that Im not aware of and do not recognize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to investigate and verify the accuracy of any information on my credit report. If this account can not be verified as mine, it must be removed from my credit profile. Failure to do so is a violation of federal law. I am not aware of this account. Please review,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Im disputing a collection amount that Im not aware of and do not recognize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to investigate and verify the accuracy of any information on my credit report. If this account can not be verified as mine, it must be removed from my credit profile. Failure to do so is a violation of federal law. I am not aware of this account. Please review,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX ( Original Creditor XXXX ) XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX balanced {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This company continues to report false personal information on my credit report which the company turns around and use the false information to verify accounts that are not mine

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 2025-04-10 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-10 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: CA

Complaint narrative:
I believe the company did not accurately investigate my 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 2025-04-10 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: CA

Complaint narrative:
I believe the company did not accurately investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief