vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I've recently received a copy of my credit reports and noticed several inaccuracies and unauthorized account information being reported to Equifax, Experian, and TransUnion. These include charge-off and collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These remarks have been detrimental to my life and credit health. Despite submitting formal disputes, the accounts remain without proper validation or correction, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate and ensure that all companies involved either verify the accuracy of these accounts or remove them from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
To Whom It May Concern : I am writing to issue an urgent and final dispute and legal demand pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

I am the victim of identity theft and have not authorized, opened, or closed any of the accounts listed below. These accounts are fraudulent, and their continued presence on my credit reports constitutes ongoing harm and clear violations of federal law.

Further, some of these accounts appear multiple times under different entry names, which is a clear violation of the FCRA, Section 1681e ( b ) ( reporting accuracy ) and may be construed as intentional misreporting, malicious furnishing, or an attempt to inflate derogatory data, which is expressly not permitted under federal regulations.

Accounts to Be Permanently Blocked, Deleted, and NOT Reinserted : XXXXXXXX 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 XXXXXX/XX/XXXX LEGAL OBLIGATIONS & DEMAND FOR ACTION : Under FCRA 605B [ 15 U.S.C. 1681c-2 ], and supported by 1681e ( b ), 1681i, 1681n, and 1681o, I demand : Full and permanent deletion and blocking of all listed accounts including all duplicate/multiple entries, which are strictly prohibited.

Immediate cease and desist from any future reinsertion of these items unless strict FCRA re-investigation rules are followed. 

Action to be taken within XXXX business days ( blocking ) and completed within XXXX calendar days ( full reinvestigation and deletion ). 

Written confirmation must be sent showing all accounts removed and blocked permanently under my file.

YOUR NONCOMPLIANCE VIOLATES THE FOLLOWING FEDERAL LAWS : 15 U.S.C. 1681c-2 Failure to block identity theft-related items 15 U.S.C. 1681e ( b ) Inaccurate reporting & duplicate entries 15 U.S.C. 1681i Failure to reinvestigate disputed data 15 U.S.C. 1681n Willful noncompliance with FCRA 15 U.S.C. 1681o Negligent failure to comply with FCRA FAILURE TO COMPLY WILL RESULT IN IMMEDIATE ACTION INCLUDING : Complaints filed with the CFPB, FTC, and Ohio Attorney General Retention of legal counsel to pursue civil claims for actual, statutory, and punitive damages Enforcement of injunctive relief and court-ordered deletion

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 2025-06-16 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: CA

Complaint narrative:
am a victim of identity theft. My credit report contains fraudulent accounts and inquiries that I did not authorize.

Under FCRA Section 605B, I request these items be blocked and removed. Ive attached my FTC Identity Theft Report, ID, proof of address, and a list of disputed items.

Please confirm once these have been 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have a previous complaint with XXXX ID number XXXX They have now close my account, close my trading positions with a lost and froze my funds until i get back to the XXXX while XXXX serving here in XXXX. I have XXXX access to my account when i need funds to support my family, missed opportunities for trading and so much more. This company / customer service have not given me any opportunity to withdraw my funds atleast so i can go to another brokerage company or my bank account in case of family emergencies. XXXX very disappointed how XXXX customer service handled this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: VA

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 explanation
Consumer complaint received 2025-06-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  Balance {$350.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance {$61.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$230.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal legal dispute and demand for immediate action under the Fair Credit Reporting Act ( FCRA ).

I am a verified victim of identity theft. The following unauthorized accounts were fraudulently opened and/or closed without my consent. These accounts are not mine, and your continued reporting of them is a direct violation of federal law. 

Accounts to be Permanently Deleted and Blocked 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 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 non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report a fraudulent tradeline from XXXX XXXX XXXX XXXX, despite being provided with disputes, an FTC Identity Theft Report, and clear evidence thaXXXX XXXX XXXX  was not legally authorized to report or collect debts in the XXXX XXXX XXXX  at the time of furnishing. 

XXXX XXXX began reporting an account on my Equifax credit file starting XX/XX/XXXX. However, records show that XXXX XXXX did not register as a foreign entity in Pennsylvania until XX/XX/XXXX, meaning they were unlawfully conducting business and reporting tradelines in my state for nearly two years without the legal authority to do so under XXXX Pa.C.S. XXXX. 

Furthermore, I filed multiple disputes with Equifax, beginning XX/XX/XXXX, and included a valid FTC Identity Theft Report asserting that this was a fraudulent account. Despite this, Equifax refused to block or remove the tradeline and claimed XXXX verified itwithout ever sending me supporting documentation such as a contract, delivery confirmation, signed agreement, or billing history. 

Additionally, XXXX XXXX falsely claims on its website to be licensed by the New York City Department of Consumer and Worker Protection under license number # XXXX. That license belongs to XXXX XXXX XXXX XXXX XXXX, a completely unrelated company. This false representation alone should have triggered a red flag and led Equifax to question the legitimacy of XXXX reporting authority. Instead, Equifax continued to furnish the account, knowingly or negligently enabling misrepresentation. 

Equifax violated the following FCRA provisions : 607 ( b ) Failure to ensure maximum possible accuracy before including data in a consumer report 611 ( a ) & ( b ) Failure to conduct a proper reinvestigation of disputed information 605B Failure to block fraudulent information after receiving an identity theft report 623 ( a ) ( 1 ) ( A ) Accepting and furnishing information from an entity not legally authorized to furnish or collect in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX * * * * Balance : {$290.00} XXXX  XXXX XXXX * * * * Balance : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and gross negligence in allowing XXXX XXXX XXXX XXXX to furnish a fraudulent tradeline to my credit report. 

XXXX XXXX began reporting an account to TransUnion around XX/XX/XXXX. However, XXXX XXXX was not registered to conduct business in Pennsylvania until XX/XX/XXXX, meaning they were unlawfully operating and furnishing information in my state for nearly XXXX years without legal authorization. Under 15 Pa.C.S. 4121, a foreign entity must be properly registered to do business or collect debts in Pennsylvania. Their tradeline was invalid and unverified from the start. 

I submitted multiple disputes to TransUnion regarding this fraudulent account beginning XX/XX/XXXX, including a formal FTC Identity Theft Report. Despite these efforts, TransUnion failed to conduct a meaningful reinvestigation or provide any evidence from XXXX XXXX to validate their reporting. No contract, billing records, delivery address, or signed agreement was provided to support XXXX claim. 

Instead, TransUnion accepted XXXX XXXX unverifiable responsedespite overwhelming evidence that the company was unlawfully operating, misrepresenting themselves, and not in legal standing to furnish consumer tradelines. 

Moreover, XXXX XXXX falsely claimed on its website to be licensed by the NYC Department of Consumer and Worker Protection under license # XXXX, which actually belongs to an unrelated company, XXXX XXXX XXXX XXXX XXXX TransUnion failed to flag this major red flag and continued to report the account.

TransUnion violated several provisions of the FCRA, including : 607 ( b ) Failure to ensure maximum possible accuracy 611 ( a ) & ( b ) Failure to conduct a proper reinvestigation of disputed information 605B Failure to block fraudulent information after receiving an identity theft report 623 ( a ) ( 1 ) ( A ) Furnishing information from a party not legally authorized to report in my state

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 2025-06-16 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I am a victim of identity theft and have discovered fraudulent accounts and inquiries on my credit report that I did not authorize. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these unauthorized items. 

Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). Please investigate and remove these items promptly. 

I would appreciate written confirmation once the corrections have been made. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am writing to file a formal complaint against SoFi Bank regarding the withholding of my funds. 

I deposited funds into my SoFi account, and for reasons that have not been clearly explained to me, the money has been placed on hold and remains inaccessible. Despite multiple attempts to contact customer service and clarify the situation, I have not received any satisfactory explanation or timeline for when my funds will be released. As of today, XX/XX/year>, the issue remains unresolved, and this delay is causing me significant financial hardship. 

I opened this account using my ITIN number, and I have not engaged in any activity that would justify a freeze or extended hold on my money. I believe SoFi is acting unfairly and potentially in violation of consumer protection laws by withholding access to funds without proper justification or timely communication. 

I am therefore requesting the Consumer Financial Protection Bureau to investigate this matter and ensure that SoFi releases my funds immediately or provides a clear, legal reason for the continued hold. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. (. please remove these accounts before I see litigation for defamation of character ) 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 balance {$710.00} is listed multiple times an error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. (. please remove these accounts before I see litigation for defamation of character ) 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 balance {$710.00} is listed multiple times an error

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation