vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
I am submitting this follow-up regarding my previously filed dispute concerning inaccurate and incorrect address information appearing on my credit report. Despite my initial submission, the following addresses remain on my file and are not associated with me : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have never lived at, received mail at, or conducted any business from these locations. These addresses do not belong to me and should not appear on my credit file. Accurate personal identifying information, including current and prior addresses, is essential to proper and fair reporting of consumer credit data. The presence of incorrect addresses can cause confusion, misidentification, or potentially associate me with accounts or activities that are not mine. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. In accordance with this provision, I request that ( or relevant credit bureau ) promptly investigate these inaccuracies and remove any addresses that can not be verified as accurate or legitimately associated with me.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have 3 personal credit cards with chase that were closed without warning on XX/XX/XXXX. After two whole days of phone calls, I was NEVER told why my 3 credit card account were closed without warning. I have been a chase customer since XXXX, never missed a payment, I have an excellent credit score, my credit card utilization is under 50 %. I am currently on a cross-crountry move and I have been stranded at a rest area for 3 days because my credit cards no longer work. I am leaving an abusive relationship and I have nothing else. I pleaded for two days on the phone for chase to help and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Fresh Holdings Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a Validation of debit email from CreditFresh explaining basic information of a debt that I allegedly owed. In the email, it said I could send a debt validation letter to payments @ XXXX so I typed up my letter and emailed it to them the same day. Today I was notified by TransUnion that the delinquent account was placed in my credit report after being told to cease all collection activities until the debt was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: DE

Complaint narrative:
On XX/XX/year>, I contacted XXXX to advise that Im a federal employee and currently affected by the shutdown. I asked if I could make a partial payment as well as the options for federal employees. The rep told me they do not accept partial payments and I would need to call back on XX/XX/year> as that would be when my mortgage would be considered late. I called back on XX/XX/year> and the rep advised me there wasnt anything in place ; they were playing it by ear and shes not sure why I was advised to callback on that date. She also confirmed they still would not accept partial payments, but my account was noted and I would be fine. On XX/XX/year>, I received a notification that a late payment for LoanCare was added to my account. I called again to be advised by that rep that they have no control over the credit bureau reporting and there were no options but I could do a forbearance, but it would hurt me in the long run. She offered that I watch for an end to the shutdown and give them a callback.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding the recent restriction placed on my Cash App account and their insistence that I convert it into a business account. 
Cash App has stated that my transactions are for the sale of goods and services. This is incorrect. My account is not used for business purposes. I use it with a small group of friends to pool money for a private savings club. The funds are rarely withdrawn to my personal account and are instead redistributed among the members of the club. These are personal, non-commercial transactions, not business activity. 
I have requested multiple times to speak with a XXXX or escalation XXXX to clarify this issue. Each time, I was told that someone would contact me via email. When I did receive email responses, none of my questions were addressed and instead, I was told again to convert to a business account without any explanation or supporting evidence for this determination. When I followed up, I was referred to their general customer service chat and phone number, both of which have been unable to resolve or even acknowledge the core issue. 
I am requesting : A clear explanation of the evidence or criteria used to classify my account as a business account that points out specific transactions that are for business purposes. 
Immediate removal of the restriction on my account.

Assurance that my account will remain classified as a personal account, as it is not used for commercial activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
I am submitting this formal dispute and request for reinvestigation of inaccurate payment history and reporting entries appearing on my credit file. Upon reviewing my recent credit report, I identified an account containing incorrect information that requires immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. The credit reporting agency is required by law to conduct a reasonable reinvestigation within XXXX  days of receiving this dispute. If the furnisher or data provider can not verify the accuracy of the reported late payments or any negative reporting, those entries must be corrected from my credit file. 

XXXX XXXX XXXX Balance : {$340.00} Late Open : XXXX  XXXX XXXX  XXXX XXXXXXXX Balance : {$1200.00} XXXX  Balance : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-08 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-08 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-08 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 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: MD

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  for reporting a fraudulent XXXX account that does not belong to me across all three major credit bureaus. 

The XXXX XXXX account XXXX XXXX is reporting on my Equifax, Experian, and TransUnion credit XXXX without my knowledge or consent. I have never applied for, opened, or used an XXXX credit card through XXXX XXXX XXXX. This account represents a clear case of identity contamination or mixed file error. 

The simultaneous reporting of this fraudulent account across all three credit bureaus demonstrates a catastrophic failure in XXXX 's account verification and identity matching procedures. This violates :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 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: LA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports from Experian ( Report XXXX. XXXX ), Equifax XXXX and TransUnion XXXX I discovered multiple fraudulent or unauthorized inquiries and several inaccurately reported accounts that remain despite previous disputes. 
I submitted disputes to all three bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 and 623, requesting a reinvestigation and verification of each item. None of the bureaus provided proof of authorization or corrected the inaccurate information within the required timeframe. 
Fraudulent or Unauthorized Inquiries The following inquiries were not authorized or initiated by me and appear to be the result of fraud or identity theft : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX25 Ally Financial 10XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I have no record or recollection of applying for credit or authorizing these inquiries. I have requested that each bureau provide proof of permissible purpose under FCRA 604 ( a ) ( 3 ), but no documentation has been provided. 
XXXX or Inaccurately Reported Accounts ( Experian Report XXXX. XXXX, dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX Account Type : Auto Loan Status : Paid, Closed ( as of XX/XX/XXXX ) Issue : This account was fully paid and closed, yet it continues to report XXXX, XXXX, and XXXX delinquencies prior to closure. These delinquencies appear inaccurate and unverifiable. 
XXXX XXXX XXXX Account Type : Secured Loan Status : Charged Off ( {$530.00} written off ) Issue : I do not recognize authorizing or opening this account. I have not received any signed contract or validation proving this debt is legitimate.

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 2025-11-08 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: MI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, several fraudulent Check Card purchases totaling {$1200.00} were made in XXXX XXXX, NV on my Bank of America checking account ( claim # XXXX ). 

Bank of America later denied my fraud claim, stating the transactions were authorized by me or by someone with permission. This conclusion is incorrect. I did not authorize the disputed charges, nor did anyone have permission to use my card or account. 

I provided clear, verifiable proof that I was in Michigan when the XXXX XXXX transactions occurred, including : A XXXX XXXX itinerary showing I departed XXXX XXXX on XX/XX/XXXX and arrived in XXXX on XX/XX/XXXX. 
My bank statement showing legitimate Michigan purchases during the same period as the XXXX XXXX charges. 
Business scheduling records from my photography company confirming client appointments in Michigan on XX/XX/XXXX. 

The disputed transactions are labeled Check Card, meaning they required a physical card ( chip/swipe/tap ), proving that my card was cloned or compromised. It is physically impossible for me to have made those purchases while in another state. 

Despite this evidence, the bank reversed my provisional credit on XX/XX/year> and closed the case. I am requesting that Bank of America XXXX and reinvestigate my claim under Regulation E ( 12 C.F.R. 1005.11 ), restore the {$1200.00}, and provide copies of any merchant documentation or data used in the original denial.

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 monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I closed my previous Robinhood account a few months ago, but my Social Security Number ( SSN ) is still linked to that closed account. Because of this, I am unable to create a new Robinhood account.

I have contacted Robinhood support multiple times over the past two and a half months through chat and email, but no one has been able to resolve my issue. Each time, I only receive automated or scripted responses saying to wait for an email that never arrives. 
I also submitted a formal data deletion request under the California Consumer Privacy Act ( CCPA ) to have my SSN removed, but Robinhood has not taken action or provided a clear timeline.

I am requesting that Robinhoods compliance or technical team manually review and delete my SSN data from the closed account so I can open a new account.

I am asking for CFPB assistance in ensuring Robinhood complies with data privacy obligations and resolves this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX and all three credit bureaus- Equifax, Experian, and TransUnion. They are all reporting an XXXX XXXX account that does not belong to me and is severely damaging my credit. 

The account number is XXXX, and it is reporting as a charge-off since XXXX. I have never had an XXXX XXXX card in my life. This is not my debt. I do not know who this account belongs to, but it is clearly a case of a mixed file or identity error. 

It is unacceptable that this fraudulent account is reporting on all three of my credit reports. This means the error is widespread, and both XXXX XXXX and the credit bureaus have failed in their duty to maintain accurate information. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i : Failure to conduct a proper reinvestigation after I dispute this information.

Company response to consumer: Closed with explanation