vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Betterment LLC
State: WA

Complaint narrative:
I was an XXXX customer whose accounts were transferred to Betterment in XX/XX/year>. At XXXX, I held XXXX accounts : a Roth IRA and a single taxable brokerage account. 

My XX/XX/year> XXXX statement confirms I made a {$450.00} Roth IRA contribution for the 2025 tax year before the transfer. However, after the transfer, Betterments platform displays {$0.00} contributed in 2025. Betterment has confirmed they do not reflect transferred IRA contributions in their interface, nor do they offer any field or notification to indicate this omission. 

This creates a serious risk that customers may unintentionally over-contribute to their IRAs, believing they have not contributed for the year. Betterment has declined to display the transferred amount or proactively disclose this limitation in the XXXX. I raised this concern and requested confirmation that my 2025 contribution would be reported on Form 5498. Betterment stated that XXXX XXXX ( the custodian ) holds this information, but they will not show it in their own platform. For a fiduciary advisor, this lack of visibility and disclosure is misleading and potentially negligent. 

Additionally, although only XXXX accounts were transferred from XXXX ( as confirmed by my custodial statement and XXXX XXXX ), Betterment split the taxable brokerage account into XXXX separate " goals '', creating a third account structure I did not authorize. Betterment has acknowledged that they can not provide documentation showing this third account existed in custodial form and yet still claim they did not create unauthorized accounts. The split appears to be based on internal sleeve labels ( folios ), not legally distinct accounts. 

This means I am now forced to either : XXXX. Manually merge the taxable goalspossibly triggering a taxable event, or XXXX. Transfer the assets to a new provider in an inaccurate structure. 

I have attached transaction history files showing only XXXX XXXX accounts existed ( Roth IRA labeled Retirement and taxable account with a folio labeled House ). These clearly show that the House folio was part of the same taxable account, not a separate custodial entity. 

I have made multiple written requests for Betterment to : XXXX. Internally merge the XXXX taxable goals without triggering a taxable event, and 2. Disclose transferred IRA contributions within the interface to help customers avoid IRS penalties. 

To date, Betterment has refused to resolve either issue, placing the burden on me to track and manage discrepancies caused during their onboarding process. 

I believe their failure to : - Provide accurate account structure continuity, and- Properly disclose transferred IRA contributions, constitutes a violation of fiduciary standards and risks misleading other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: TX

Complaint narrative:
I have been contacted by two companies in recent days indicating they had Crypto that was in the blockchain for a long period of time sitting idol. They had my email address ( XXXX ) and somehow or another they were able to trace these coins to me. I have been active with crypto since inception. I mined, purchased and stored crypto in many wallets and on line crypto wallets of which many have gone bust and walked any with my crypto XXXX XXXX XXXX & etc. As you see my history is long it is very possible that I have crypto that belongs to me somewhere. These companies indicated they needed to verify my identity to have the wallet they were in send the crypto to my wallet. Needless to say I did nothing but come to you. It appears the people working compliance in the crypto industry have the same mindset as bank compliance people. We need people focusing on internet scams not worrying about we might be sending some USDC or XXXX to a friend or family. We have no website to look for scammers. We need your help, do not focus on us as much and focus more on the criminals. The Company 's that contacted me were XXXX XXXX and Best Regards XXXX XXXX | Blockchain Support Office number ( XXXX ) XXXX Support Department and Controller of Financial Policies of Blockchain. 
Blockchain 2025 | XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ; Blockchain 2025 | XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: GA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MOHELA
State: KS

Complaint narrative:
My name is XXXX XXXX. Some one use my infor as an cosigner on the loan XXXX usd on this company : CONTACT INFO MOHELA/ XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX They did not send my any infor until I check my credit app, there is a new account on my credit profile. 

I called them, tell them, they did not know my current address. They collect all my information then they call me to payback the account that I did not know. 

I call them so maytime, I disputed a lot. But they denied all of my dispute on all my credit report comany. 

Im tired, dont know how they playing game with me Any help is very appropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report held with your institution. 
According to my credit file, this account is being reported as open, when in fact it has been closed a. Additionally, a late fee of has been assessed, which I am also disputing as inaccurate and invalid due to the closed status of the account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. I am requesting the following corrective actions be taken immediately : 1. Update the status of the account to closed with the accurate closing date.

2. Remove the reported late fee and any associated late payment notations from my credit file.

3. Notify all credit bureaus to which you have reported this inaccurate information and provide corrected information promptly.

Please provide a written confirmation of these corrections and a copy of the updated reporting you provide to the credit bureaus. If you are unable to verify the accuracy of your current reporting, I respectfully request the immediate deletion of the account from my credit history as permitted by law.

I have included documentation to support my claim, including [ list any supporting documents, e.g., statements, correspondence, closure confirmation ].

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required under the FCRA.

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 2025-05-27 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report held with your institution. 
According to my credit file, this account is being reported as open, when in fact it has been closed a. Additionally, a late fee of has been assessed, which I am also disputing as inaccurate and invalid due to the closed status of the account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. I am requesting the following corrective actions be taken immediately : XXXX. Update the status of the account to closed with the accurate closing date. 
XXXX. Remove the reported late fee and any associated late payment notations from my credit file. 
XXXX. Notify all credit bureaus to which you have reported this inaccurate information and provide corrected information promptly. 
Please provide a written confirmation of these corrections and a copy of the updated reporting you provide to the credit bureaus. If you are unable to verify the accuracy of your current reporting, I respectfully request the immediate deletion of the account from my credit history as permitted by law. 
I have included documentation to support my claim, including [ list any supporting documents, e.g., statements, correspondence, closure confirmation ]. 
Thank you for your prompt attention to this matter. I expect a response within 30 days, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fig Tech Inc.
State: TX

Complaint narrative:
XX/XX/year> was the date opened of amount of {$580.00} and I requested more information but was never contacted back about the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was stolen out of my truck, I filed a police report regarding this. I have had plenty of identity theft issues since my information was stolen out of my truck. I am no seeing multiple inquiries on my credit reports that are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity was stolen out of my truck, I filed a police report regarding this. I have had plenty of identity theft issues since my information was stolen out of my truck. I am no seeing multiple inquiries on my credit reports that are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Complaint Subject : Incorrect Collection Account Reporting XXXX XXXX / Account Managed by XXXX XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX XXXX : Unknown ( Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX Phone : XXXX ) Account Details : Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX High Balance / Past Due : {$510.00} Pay Status : >Collection< Date Updated : XX/XX/XXXX Estimated Removal Date : XX/XX/XXXX Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Nature of the Complaint : I am formally requesting the removal of this collection account from my credit report due to the following concerns : Inaccurate or Unverified Debt : I do not have sufficient documentation or proof of services rendered from XXXX XXXX XXXX. I was not properly notified of this alleged debt, and I do not recall ever entering into a contractual agreement with this company that would result in this balance. 

Lack of Proper Validation : This account was reported to the credit bureaus without validation of the debt. I submitted a dispute under the Fair Credit Reporting Act ( FCRA ), but the item was updated without providing evidence that the debt is accurate, complete, and verifiable. 

Failure to Cease Collection on Disputed Debt : While the remark shows that the account is disputed by consumer, the collection agency has continued to report and update the item without resolving the dispute or validating the debt.

Obsolete Information Reporting : The account was closed in XX/XX/XXXX, yet it continues to be reported and updated as of XX/XX/XXXX. Given that it is scheduled to remain until XX/XX/XXXX, I am requesting that the CFPB investigate whether this reporting timeline aligns with FCRA regulations. 

Resolution Requested : Immediate removal of the collection account from all credit bureaus ( XXXX XXXX XXXX  ). 

Confirmation that the debt has been validated or removed due to lack of proper documentation. 

Investigation into whether the furnisher is in violation of FCRA guidelines by continuing to report a disputed, unvalidated debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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