vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
My friend sent {$80.00} to an old cashapp account. I gave them everything I could think of to verify it was mine. They keep telling me that {$80.00} can not be transferred to my current account but won't tell me why. I have the confirmation # that my friend received that he indeed sent the money and they refuse to give him the money back. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
Dear SoFi Bank, My name is XXXX XXXX, and I am writing regarding a claim involving fraudulent activity connected to my XXXX  account. A fraudulent bank account was added to my profile in the XXXX system without my authorization. 

XXXX management informed me that their system was not compromised. Instead, it appears that an individual who created an account through your institution used it to commit fraud by gaining unauthorized access to my XXXX/XXXX-linked account. Although XXXX  initiated reversals, the funds could not be recovered because they had already been withdrawn from the SoFi Bank account ending in XXXX. 

The total amount fraudulently deposited and withdrawn is {$27000.00}. 

I am requesting that the funds that were fraudulently deposited into and withdrawn from the account held at your bank be returned to me in accordance with the Electronic Fund Transfer Act ( XXXX ) XXXX ( m ), including XXXX  XXXX ( XXXX XXXX XXXX ), which covers unauthorized or incorrect electronic fund transfers. This theft was carried out using an account associated with your financial institution. 

Below is the information for the fraudulent account : Account Number : XXXX Routing Number : XXXX I respectfully request your assistance in investigating this matter and recovering the stolen funds. Please let me know if you require any additional information or documentation to proceed. 

Thank you for your attention and for working with me to resolve this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
Someone hacked into my account on XX/XX/XXXX took all my money took loans out and everything through my account then so got on phone the same date as said earlier spent XXXX hours on it then they told me I wont get my money back until XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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 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 XXXX  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 non-monetary relief
Consumer complaint received 2025-11-29 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 am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXX/XX/XXXX XXXX remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I went to use my debit card which is in my XXXX wallet as well as XXXX wallet that I have to take a picture of the card to add it. Anyways I had a few declined transactions after it previously worked all day. So I called in a XXXX  time and now all of a sudden they are telling my exp date is wrong. I cant control what they put on my card after she kept saying it was me not them. I asked for an explanation of how at XXXX when I called in the card was correct and then not even an hour later they had a different date. She said i cant answer when it was changed just that in XXXX that a new one was issued. I told her yup and I have used it everyday since with the same phone and same everything and never had an issue. She told me that it was something I must of did wrong which again I dont work for the bank. She then proceeded to tell me I would have to go in person now to resolve any issues im having but the card will work at other places. Which again how is that possible if they said the date is wrong. I need answers and I need them now. First if the date is wrong then every transaction that my card has gone through should be filed as fraud on the bank. How can they take money out of my account with said card if the dates are wrong according to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting a formal dispute regarding an inaccurately reported XXXX XXXX XXXX  account that was a secured credit card. 
The account was paid in full, and I requested the account be closed. Despite this, XXXX XXXX continued adding charges and fees after the account was closed and showed a {$0.00} balance. These charges were not authorized, not communicated, and should not have accrued on a closed, paid account. 
XXXX XXXX then reported late payments based on these illegitimate post-closure fees. This is inaccurate, misleading, and violates Fair Credit Reporting Act ( FCRA ) accuracy standards. The same account was then sold to Resurgent/ LVNV Funding, who reported it as a collection. This collection is inaccurate because : The original account was paid in full The account was closed at my request Any fees added after closure are not legitimate debts Late payments can not be reported after closure with a {$0.00} balance This results in duplicate reporting : the same account is showing under XXXX  XXXX and again as a collection with LVNV. 
A paid-in-full, closed secured credit card can not legally accumulate new charges or late payments after closure. Any negative reporting tied to these post-closure fees is invalid. 
I am requesting the following corrections : Remove all late payments reported after the account was closed and paid. 
Remove any balance that was added after closure. 
Update the account to reflect : Paid in full Closed at consumers request {$0.00} balance. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: AL

Complaint narrative:
An account that does not belong to me is being reported under my name, indicating my credit file has been improperly mixed with another persons information. I never opened, authorized, or used this account, and its presence on my report is a serious and unacceptable misrepresentation of my financial history. This mixed-file error has caused me significant concern and stress, and I take the accuracy of my credit profile very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX  business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX  year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and Experian has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than XXXX  days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX XXXX  XXXX Account # : XXXX [ TransUnion, Equifax, Experian ] Issue : Duplicate reporting and unverifiable charge-off.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least XXXX  days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: WI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least XXXX  days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 

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 2025-11-28 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:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least XXXX  days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 

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 explanation