vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-05 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MN

Complaint narrative:
Well cash XXXX  close my account with no warning talk about I violated terms and condition and I've been with catch up for XXXX  years and not telling me why and what happened I told him identity is been stolen extra pill and they still not responding and when they do the same that accounts been closed so when I did have my cash app account I had set up a sponsor account with XXXX of my kids on it and each month I would add money in it so right now XXXX XXXX close my account then tell me why and and my XXXX kids accounts one of my kids had {$50.00} and the other kid had {$25.00} and other kid had {$20.00} in it I've been trying to contact Cash out on the phone support and everything for them to give me my money back that I put in my kids account and they're not giving my money back and giving me the runaround and playing games and I'm just tired of it so is there any way you can help me get my money back since they close my account out and my kids sponsors account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( assignee of XXXX ) voluntarily dismissed its civil court case against me in the XXXX XXXX of the XXXX of XXXX XXXX XXXX XXXX. 
I have attached a Certified Notice of Discontinuance showing that XXXX withdrew its claim. This dismissal confirms that the alleged XXXX debt could not be validated in court. 

Despite this, Experian continues to report the XXXX XXXX XXXX XXXX XXXX tradeline on my credit report, which is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) requires Experian to ensure maximum possible accuracy.

611 ( a ) ( 5 ) requires deletion of unverifiable or inaccurate information.

623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know ( or should know ) is inaccurate. 

On XX/XX/XXXX, I mailed Experian a direct consumer dispute ( via Certified Mail, Return Receipt Requested ) that included the Notice of Discontinuance, my drivers license, and a recent utility bill. 
Experian refused to process my dispute, sending a notice stating that my letter did not appear to have been sent directly by me.

This refusal violates FCRA 611 ( a ), which obligates Experian to reinvestigate disputes submitted directly by the consumer. I prepared and mailed the dispute myself no third party or credit repair organization was involved.

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 2025-10-05 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: FL

Complaint narrative:
Trans Union had a breach and data in shared information that is incorrect on my credit report. This is illegal and has affected my livelihood.

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 2025-10-05 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late-Payment Information Under FCRA 1681e ( b ) and 1681i ( 5 ) Dear Experian, I am disputing the accuracy of the following accounts that appear on my Experian credit report dated XX/XX/XXXX : XXXX  XXXX Auto Loan ( XXXX and XXXX lates reported ; inconsistent across bureaus ) XXXX XXXX Secured Loan ( XXXX and XXXX lates not supported by payment records ) XXXX XXXX Credit Card ( XXXX and XXXX lates listed from XX/XX/XXXX through XXXX XXXX that differ from other bureau data ) Pursuant to 15 U.S.C. 1681e ( b ), Experian must maintain only information that is completely accurate, and under 1681i ( 5 ) must delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

I therefore request that Experian conduct a thorough reinvestigation and either verify this information with full documentation or remove it entirely from my credit file. 

If the requested corrections or deletions are not made within 30 to 45 days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy, in addition to any attorneys fees allowed under federal law. 

Please confirm receipt of this dispute and send the results of your investigation in writing. 

Sincerely, 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 2025-10-05 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: FL

Complaint narrative:
Consumer financial services is reporting to all three equifax TransUnion and Experian incorrect information I never consented to. I need removal immediately

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 2025-10-05 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: NJ

Complaint narrative:
There is an address that is reporting on my Equifax Report that. I never lived or been associated to. The following is inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX In addition the following Account labeled XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX is being reported as fraud and was already closed and the original creditor supposed to direct the credit bureaus to block the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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:
XXXX XXXX XXXX XXXX Subject : Unauthorized Hard Inquiries AND ACCOUTNS Demand for Immediate Deletion Under FCRA 604, 605B, 611 To Whom It May Concern, THESE ACCOUNTS HAVE BEEN REMOVED BUT REMAIN STILL This letter serves as a formal dispute and demand for deletion of unauthorized hard inquiries on my consumer credit reports maintained by your agencies. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting immediate removal of the following unauthorized inquiries and accounts : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$2800.00} XX/XX/year> INQUIRES EXPERIAN : ( THESE HAVE BEEN REMOVED FROM TRANSUNION LAST DISPUTE WITH CFPB BUT OTHERS REMAIN ) PROOF IS UPLOADED XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I UPLOADED THE PREVIOUS FTC REPORT AND PROOF OF REMOVAL UNDER 605B THESE ITEMS ARE TO BE REMOVED IN 4 BUSINESS DAYS DRIVER LICENSE AND SSN CARD INCLUDED 1681 E-2 FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
XXXX XXXX XXXX XXXX Subject : Unauthorized Hard Inquiries AND ACCOUTNS Demand for Immediate Deletion Under FCRA 604, 605B, 611 To Whom It May Concern, THESE ACCOUNTS HAVE BEEN REMOVED BUT REMAIN STILL This letter serves as a formal dispute and demand for deletion of unauthorized hard inquiries on my consumer credit reports maintained by your agencies. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting immediate removal of the following unauthorized inquiries and accounts : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$2800.00} XX/XX/year> INQUIRES EXPERIAN : ( THESE HAVE BEEN REMOVED FROM TRANSUNION LAST DISPUTE WITH CFPB BUT OTHERS REMAIN ) PROOF IS UPLOADED XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I UPLOADED THE PREVIOUS FTC REPORT AND PROOF OF REMOVAL UNDER 605B THESE ITEMS ARE TO BE REMOVED IN 4 BUSINESS DAYS DRIVER LICENSE AND SSN CARD INCLUDED 1681 E-2 FCRA 611

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 2025-10-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For over a year I have been trying to access my Experian credit account and its been the same terrible automated voicemail telling you it will send an email for a reset and never will pls help me with this

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 2025-10-05 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: FL

Complaint narrative:
Equifax previously deleted a XXXX XXXX account from my credit report after a prior investigation. However, they recently reinserted the same account and marked it as verified, without providing the required reinsertion notice under the Fair Credit Reporting Act ( FCRA ). I believe this reinsertion violates FCRA 611 ( a ) ( 5 ) ( B ), and I am requesting the CFPBs assistance in having the account removed again or properly verified with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I contacted UPS about a fraudulant charge on my account. UPS admitted the shipper listed was not me and was shipped from a different address. They closed my account to prevent further fraud, created a new account and said they would refund the charges. I never received the refund so I opened a dispute with XXXX. They responded with a digital receipt for the charge that does not show my signature or the shipping lable that was bought. see attached. A receipt does not indicate I am the one who made the purchase. Its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before taking any further action.

Please provide the following : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. A detailed account of the debt, including the original creditors name, account number, and a full breakdown of the balance.

3. Proof that you are legally authorized to collect this debt in my state.

4. A copy of any judgment ( if applicable ) that gives you the right to collect.

5. The date of the last payment made on this account.

Until I receive proper validation, I request that all collection activities, including reporting to credit bureaus, be halted as required by law. If you fail to provide sufficient verification, I expect this debt to be removed from my credit report.

Please respond in writing within 30 days of receiving this letter. If you are unable to verify the debt, I request that you cease all collection efforts and update any reporting to the credit bureaus accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
Transunion : DATA BREACH I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified at the furnisher level.

Please note, if this request is not honored, I will be filing formal complaints with the CFPB, the FTC, and the Attorney Generals Office.

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 2025-10-05 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: TN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-05 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: TN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I only was told that I applied for federal grant & when I saw that they gave me a loan I complained about which someone told me they would get back to me but never did. I requested information showing proof but never received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: LA

Complaint narrative:
KIKOFF A company that specializes with credit .an erroneous charge of XXXX dollars was applied to my account. The charge was XXXX and the company specifically stated that it was XXXX XXXX XXXX per month, " an unauthorized late fee of XXXX XXXX  " a charge that I was unaware of thebcharge is incorrect now affecting my credit scores.they charge me XXXX XXXX  and on my credit report its XXXX thats fraudulent charges on my credit report. My bank investigated the incident and informed me that KIKOFF PUT Fraudulent charges on my account.The charge exceeds the contracted monthly rate, '' or " I was incorrectly double- of XXXX XXXX  I immediately contacted your company regarding this error on XXXXfirst contacted them Kikoff and was told pay the XXXX XXXX  and they will look into my credit report to fix it.. I DONT understand why Kikoff putting fraudulent information on my account. I bank with a credit union. And they told me its fraudulent activity on my account.

Because this erroneous charge caused an incorrect balance, the subsequent non-payment of this disputed amount has resulted in a negative mark and/or delinquency being reported to the credit bureaus, which is negatively impacting my credit score with my bank and other credit financial institutions..

Kikoff fraudulent put negative marks on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX XXXX, I tried to log in to my Robinhood account as I do every day, but the app suddenly rejected my passcode. I tried again, and again, and the same message appeared. Within seconds, I started seeing my portfolio changing in real time stocks being sold one after another, right in front of me, and I couldnt do anything to stop it.

There was no way to reach anyone no phone number, no live agent. I called a friend who also uses Robinhood and asked him to request a callback on my behalf. When support called him back a few minutes later, he added me to a conference call. By that time, it was already too late. The representative told us she would restrict my account for security reasons, but the trades had already gone through.

It took me nearly four hours to regain access to my account. When I finally got in, everything was gone. The hacker had sold all my holdings and used the entire balance to buy XXXX, a cryptocurrency Ive never touched or approved. The only thing that saved the remaining funds was the fact that Im based in New York, where wallet-to-wallet crypto transfers are restricted. 

Since that day, Ive sent multiple emails, but communication with customer service has been painfully slow and inconsistent. Each hour of waiting meant more losses, because XXXX kept dropping in value. These werent small trades this was my life savings, roughly {$260000.00}, evaporating while I waited for someone to reply. The lack of real-time support during an active breach turned a crisis into a financial catastrophe. 

I can provide all supporting documents immediately, including the XXXX complaint acknowledgment, Robinhoods emails, and trade confirmations showing the unauthorized XXXX transaction.

Company response to consumer: Closed with explanation