vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, and Experian is reporting fraudulent accounts and unauthorized inquiries on my credit file. I submitted a formal dispute to Experian, which included my FTC Identity Theft Report, a copy of my government-issued ID, proof of address, and a detailed list of the fraudulent accounts and inquiries. 

Despite providing all legally required documentation under the Fair Credit Reporting Act ( FCRA ) Section XXXX, Experian has failed to remove these fraudulent items from my credit report. This failure to act is a violation of my rights and is continuing to cause harm to my credit profile and personal well-being.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On or around XX/XX/year>, an unauthorized withdrawal of {$610.00} was made from my Robinhood account to an unknown external account ending in XXXX. I received a login alert and then my account was closed without explanation. I sent a certified legal demand letter to Robinhood requesting investigation, refund, and {$7500.00} in damages for financial loss and emotional harm. I also followed up via email to XXXX and XXXX. Robinhood replied with a generic message stating they would not respond further and provided no details about the breach or resolution. They acknowledged the possibility of fraud in a separate email but failed to take action. This has caused distress and financial disruption, and I am seeking full refund and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
THE BUREAUS Opened XX/XX/XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX Opened XXXX XXXX, 2024 {$300.00} I have sent debt validation letters to each one of these collection agencies. I am low income and XXXX, and this is affecting my credit and a way that I cant find an apartment and my information was sold To outside collection agencies without my permission I am using Code 15 USC1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : 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 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NE

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on my credit reports with Experian, Equifax, and TransUnion. I did not initiate or authorize most of these inquiries and never gave written consent for them. I have submitted disputes to all three credit bureaus, but they have failed to remove them or provide proper documentation showing that I authorized the inquiries. 

I only consented to a few inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other inquiries especially those made around XX/XX/year> were unauthorized, excessive, and possibly fraudulent.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I had my account hacked and send someone XXXX, the person called me and denied the request. cash app didn't refund me my money back to my account and had to do investigation. they said they email me but they have not and closed my account and took my money. For a customer of XXXX yrs this how they treat people and will tell everyone i know and media about this company how they treat them when some stole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am disputing the continued reporting of a derogatory collection account by Credit Collection Services ( CCS ). I have previously requested verification and attempted to resolve this matter directly with the company, but have received no response or reasonable support. The amount appears questionable, and the debt is outdated and continuing to unfairly suppress my credit score. I have made good faith efforts to resolve this, including exploring payment options and pay-for-delete requests, but CCS has refused to assist or respond. I am requesting this account be removed from my credit reports due to inaccurate, outdated, and unverified reporting. This is causing direct harm to my ability to obtain credit. Ultimately this is from a device that I received during a period of me having this insurance to monitor my driving. At the end I was supposed to return the device which I did. This is not caused by a non payment and somehow the company failed to register that it was returned thus charging this to my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
I noticed that I had to negative accounts that was tarnishing my credit report and XXXX. According to XXXX XXXX. XXXX there shouldnt be any damages on my credit report its a defamation of my character.

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 2025-07-31 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: MI

Complaint narrative:
I noticed that I had to negative accounts that was tarnishing my credit report and XXXX. According to XXXX XXXX. XXXX there shouldnt be any damages on my credit report its a defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 dispute the validity of these accounts, as I have no relationship with them. I request a formal investigation and their deletion from my credit record. Please see the enclosed documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-01 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-01 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:
Recently I looked at a copy of my credit report, and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report, and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 


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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
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XX/XX/XXXX at XXXX Fri XXXX You mentioned Elder XXXX XXXX in your story Story unavailable XX/XX/XXXX at XXXX Mon XXXX You mentioned Elder XXXX XXXX in your story Story unavailable XX/XX/XXXX at XXXX Tue XXXX You mentioned Elder XXXX XXXX in your story Story unavailable XXXX at XXXX Wed XXXX You mentioned Elder XXXX XXXX in your story Today at XXXX XXXX XXXX sent On XX/XX/year>, my father informed me that he had received a document resembling a legitimate check. I explained that the check was indeed real, stemming from the XXXX XXXX breach settlement, but I had not received one myself. After obtaining the phone number from his letter, I contacted the Kroll Settlement administration, where I was asked to verify my information. Unfortunately, the mailing address I provided was incorrect, and their records indicated that I was entitled to a settlement check of {$220.00}, which they claimed had already been cashed. Despite my insistence that I had never cashed the check, the representatives treated me with suspicion. After asserting my position firmly, they agreed to escalate the matter to their project investigation team, promising to follow up within 72 hours. On XX/XX/year>, I was informed that the check had indeed been cashed and that they were awaiting the image once it cleared the bank. After multiple requests, I finally received a copy of the check image on XX/XX/year>, which clearly showed it had been fraudulently cashed with a " for deposit only '' notation, though the location was obscured. My continued inquiries to Kroll Settlement have been met with annoyance, and during a call on XX/XX/XXXX at XXXXXXXX XXXX, the manager seemed eager to end the conversation. I have also reached out to the FBI for assistance and filed a report with local authorities, while awaiting a callback from XXXX XXXX XXXX, which I have yet to receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and inconsistent account information that is causing significant harm to my credit profile. 

What Happened : My credit report contains multiple accounts with inaccurate, inconsistent, or unverifiable information, including : Conflicting account statuses ( current vs. charged-off ) Inconsistent payment histories and delinquency dates Incorrect balances and credit limits Different last payment dates across the three major credit bureaus I have disputed these inaccuracies directly with the credit bureaus, but the information remains incorrect. This violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed items and deletion of unverifiable information.

These reporting errors have negatively impacted my credit score, resulting in denials and higher interest rates.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am following up regarding my complaint submitted on XX/XX/year>, against Bank of America , National Association concerning unresolved fraud and billing disputes on my checking account ending in XXXX. 
I would like to emphasize that I was denied provisional credits for multiple claims, even though Bank of America failed to resolve the disputes within the 10-business-day timeline required under 12 CFR 1005.11 ( c ) of Regulation E. The bank also reopened claims without my consent, closed them prematurely, and did not allow me the opportunity to submit supporting documentation, despite my readiness and request to do so. Since filing my complaint, I would like to emphasize the following : I was promised temporary/provisional credits, which were never issued. 
Bank of America closed and reopened claims without my consent, filed others incorrectly on my behalf, and failed to communicate resolution details. 
I was never given an opportunity to provide supporting documentation, even though I proactively attempted to do so. 
Bank of America failed to complete investigations within the 10-business-day window and still refused to issue the required provisional credits.

These actions violate Regulation E ( 12 CFR 1005.11 ( c ) ), which requires provisional credit when an investigation exceeds 10 business days. Closing my account during the dispute process is retaliatory and obstructs my access to dispute resolution entirely.

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 2025-08-01 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: TX

Complaint narrative:
I am resubmitting this complaint because Experian has failed to remove inaccurate and unauthorized information from my credit report, despite previous formal disputes. 
On XX/XX/XXXX, I sent a written dispute letter to Experian contesting : Two negative collection accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Multiple unauthorized hard inquiries from various companies, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX These inquiries and accounts remain on my report despite : My explicit denial of having authorized them. My request for verification and documentation, as allowed under FCRA 611. The 30-day dispute resolution timeline under FCRA 611 ( a ) ( 1 ) ( A ) Under FCRA 604 ( a ) ( 3 ) and as supported by SB 480, a hard inquiry may only appear if initiated by the consumer with a permissible purpose. I did not authorize or initiate contact with [ list companies ]. These inquiries are therefore unlawful. 

Experian has failed to provide written verification, proof of authorization, or any documentation validating these disputed entries. Their lack of response constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

Moreover, according to FCRA 616 and 617, failure to perform a reasonable investigation or willful noncompliance is subject to legal consequences. Experians failure to correct or remove unverifiable entries after being notified is both negligent and willful.

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 2025-08-01 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:
Recently I looked at a copy of my credit report, and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report, and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 


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