vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Identity Theft Dispute Request for Permanent Deletion of Fraudulent Accounts in order to maintain complete and accurate reporting Dear TransUnion, I am a victim of identity theft. My personal information was used without my authorization to open fraudulent accounts, and these accounts are now being reported on my credit file. The inclusion of these accounts is inaccurate and incomplete, and therefore violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards Under FCRA Section 605B ( 15 U.S.C.

1681c-2 ), you are required to block and permanently delete any information resulting from identity theft.

Additionally, FCRA 1681i ( a ) requires that you conduct a reasonable reinvestigation and remove any data that is not complete and accurate or can not be verified. 
Reporting or verifying fraudulent data violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
To substantiate my claim, I have enclosed copies of my government-issued identification, proof of current address, and an FTC Identity Theft Report confirming my status as a victim of identity theft. 
The following accounts are fraudulent and must be blocked and deleted immediately 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

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 2025-10-30 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: IL

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

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 2025-10-30 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX ), Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, XXXX XXXX Account : XXXX Amount : {$5500.00} Opened : XX/XX/XXXX Apple Card- Account : XXXX Amount : {$11000.00} Opened : XX/XX/XXXX -XXXX  XXXX - Account : XXXX Amount : {$2500.00} Opened : XX/XX/XXXX - XXXX  - Account XXXX XXXX Amount : {$11000.00} Opened : XX/XX/XXXX - XXXX  - Account XXXX XXXX Amount : {$26000.00} Opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount : {$4700.00} Opened : - XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX credit account XXXX  credit account XXXX credit account XXXX credit account XXXX  credit account XXXX  credit account XXXX credit account XXXX  credit account XXXX credit account XXXX  credit account XXXX  credit account XXXX  credit account Inquiries XXXX In members XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am submitting this complaint because my Experian credit report contains several charged-off or negative accounts that I believe are inaccurate, outdated, or unverifiable. These are negatively affecting my credit standing and I am requesting a formal investigation. 

Accounts in question 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 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 Additionally, I see a hard inquiry that I do not recognize : XXXX XXXX XXXX XXXXXX/XX/XXXX I am also disputing late payment reporting on : XXXX XXXX Acct : XXXX I am requesting Experian to verify all of the above with original creditors and remove any unverifiable, inaccurate, or obsolete data as required under 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate or unverifiable information on my Experian credit report, including charged-off accounts, unauthorized inquiries, and late payments. 

Charged-Off Accounts in Dispute ( Experian ) : 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, Balance : {$2300.00} Late Payment Accounts in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry in Dispute ( Experian ) : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
Subject : Unauthorized electronic transfer of {$650.00} from Cash App account claim wrongfully denied Details of the Issue : On XX/XX/year>, an unauthorized transaction in the amount of {$650.00} was withdrawn from my Cash App account ending in XXXX. I did not authorize, initiate, or benefit from this transfer. 
I immediately reported the fraudulent transaction to Cash App/Square Inc. on XX/XX/year> following all instructions provided in the app and through their support channels. I also provided supporting documentation showing that the payment was unauthorized. 
Despite my prompt report and the clear evidence of fraud, Cash App denied my claim on XX/XX/year>, stating that I should have paid through my bank account instead of through the Cash App platform. This reasoning is irrelevant to my claim of unauthorized electronic fund transfer, which should be covered under federal consumer protection law. 

Actions Taken : * Reported unauthorized transaction on XX/XX/year> * Requested investigation under 12 CFR 1005.6 ( Regulation E ) * Provided transaction ID : XXXXXXXX XXXX Received denial notice from Cash App on XX/XX/year> * Contacted Cash App customer support multiple times, but they refused to reopen the claim Relevant Law and Consumer Protections : Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ), financial institutions are required to investigate and resolve consumer reports of unauthorized electronic fund transfers.

According to 12 CFR 1005.11, once a consumer reports an unauthorized transaction, the institution must : XXXX. Promptly investigate the claim, XXXX. Determine whether an error occurred, and XXXX. Provide a written explanation of its findings. 
Cash Apps reasoning for denial does not address the issue of unauthorized access to my funds and appears to violate their obligations under Regulation E. The company has not provided evidence showing that I authorized this {$650.00} transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XX/XX/year> I initiated a wire transfer from my account at XXXX XXXX for {$50000.00} to JP Morgan Chase account XXXX XXXX XXXXXXXX XXXX, routing number XXXX. The receiving bank address was designated as prolific global health, XXXX XXXX XXXX, XXXX XXXX XXXX. That very day I realized I had been scammed and contacted XXXX XXXX to see if they could initiate a recall which they did. After several days, XXXX XXXX called and said that JP Morgan refused to pursue it as I was not their customer. I in turn tried to call JP Morgan and was unsuccessful -- receiving the same response. I know that at least XXXX other person in my group was scammed by the same individual for {$100000.00}. probably more but nobody wants to admit it. I was shocked at JP Morgan 's lack of interest especially since this scam appears to be using JP Morgan on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: WA

Complaint narrative:
I am filing a complaint regarding multiple inaccurate and/or unverifiable accounts and inquiries being reported by Equifax. I have disputed these items directly with the credit bureau, but they remain on my file without adequate verification or documentation from the furnishers. 

The following accounts are being reported as charged off, many of which are extremely old ( dating back as far as XXXX ), appear duplicated, or should no longer be reported under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), which limits reporting of derogatory information beyond XXXX years from the date of delinquency. 

Accounts in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX  Various account numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), dated between 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$58000.00} These entries appear inaccurate, unverifiable, and in some cases duplicative. Please investigate and provide documentation from the furnishers verifying the accuracy and ownership of each account. Otherwise, they should be removed immediately in accordance with the FCRA. 

Inquiries in Dispute ( Equifax ) : XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me. Please remove them as unauthorized hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I deposited {$4100.00} in increments between XXXX. On XX/XX/XXXX my account was temporarily restricted for no clear reason. They asked for documents and I kindly provided. Robinhood said they would review my documents and I would receive an answer by XX/XX/XXXX. Everyday since then my account review has been delayed and pushed back with little to no response or progress. Ive emailed corporate countless times requesting my funds at least be returned. I have had 3 phone calls with support in regards to my account but they havent been much help. They requested my social, which I provided and they set a new date for the deadline for review to XX/XX/XXXX and since then the date has been pushed back twice with no reason as to why or hope of getting my funds back. I also emailed XXXX, the ceo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am filing this complaint because my Equifax credit report contains an account that I believe is being reported inaccurately and may be unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX XXXXXXXX Acct : XXXX Reported XXXX  Balance : {$1800.00} Status : Charged Off This account is negatively affecting my credit, and I have reason to believe that the reporting may be inaccurate or incomplete. I am requesting that Equifax conduct a full investigation and provide documented proof of verification directly from the original creditor. 

If the account can not be verified with complete and accurate information, I am requesting that it be deleted from my credit report in compliance with FCRA 611 ( a ) ( 5 ). 

There are no recent inquiries or other disputed items on my Equifax report at this time. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation