vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for repeatedly failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding my credit disputes. I have submitted several written disputes over the past months, including one over 35 days ago, yet the credit bureaus have not provided any valid documentation or evidence verifying the accuracy of the disputed accounts listed below. 

Despite multiple requests for a full reinvestigation, these credit bureaus continue to report inaccurate and unverifiable information on my credit report, which violates multiple sections of the FCRA. 

Disputed Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX Summary of Violations : Failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Failure to provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) The bureaus have not provided : A description of the method or procedures used in the reinvestigation Any documentary evidence supporting the verification of the accounts The name and contact information of the data furnishers who verified the accounts These failures demonstrate willful disregard for my rights as a consumer. I have already filed complaints with the Federal Trade Commission ( FTC ) and the North Carolina State Attorney Generals Office documenting these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am submitting this complaint to dispute and request the removal of multiple unauthorized hard inquiries appearing on my credit report. The following inquiries were not initiated or approved by me and therefore lack permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize, apply for credit, or provide consent for these entities to access my personal credit file. These inquiries have caused unnecessary harm to my credit score and reflect a potential breach of my consumer privacy rights.

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a consumer reporting agency may only furnish a consumer report for specific, permissible purposes and with the consumers authorization. Additionally, FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] requires credit bureaus to maintain reasonable procedures to ensure that reports are only furnished to parties with a legitimate and lawful reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX  XXXX bankruptcy dismissed # XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed somethings 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 15 USC 1681 ( 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 15 USC 1681s-2 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
I am having a problem getting my annual consumer report from XXXX, Telecheck and XXXX XXXX XXXX. I want XXXX, Telecheck and XXXX XXXX XXXX ( NCN ) to mail me a complete copy of my annual consumer report. My Bank Nsme : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Phone Number : ( XXXX ) XXXX, Checking Account Number : XXXX, Routing Number : XXXX, Current/Available Balance : {XXXX XXXX. Over {$1.00} XXXX is currently in my XXXX XXXX XXXX  checking account right now.

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
My Cash App account was accessed and altered by an unauthorized party after my Social Security number was compromised. I lost access to the account and have been unable to recover it or restore control. I reported the issue to Cash App support multiple times, but I have not received meaningful assistance or reimbursement for the unauthorized activity. 

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ), Cash App is required to investigate and resolve unauthorized electronic-fund transfers and to reimburse affected consumers within the statutory timeframe. The company has not done so.

The conduct also raises concerns under UCC Article 4A ( Funds Transfers ) and Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibit unfair or deceptive business practices.

Because my personally identifiable information is compromised, I am requesting that Cash App : 1. Permanently secure or close the compromised account, 2. Create a new verified account so that I can safely use the service again, and 3. Reimburse or restore any funds lost due to unauthorized access. 



I am submitting this complaint so that CFPB ensures Cash App complies with its federal obligations to investigate, correct, and prevent future harm under these consumer-protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust. I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the removal of said account from my credit report. In accordance with this request, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated. 

I C SYSTEM - 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 2025-10-15 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: TN

Complaint narrative:
I am following up regarding inaccurate reporting on my credit file. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as a charge-off with a {$0.00} balance, which is misleading and does not reflect my true financial status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off with a {$17000.00} balance. I dispute this reporting as inaccurate, outdated, or unverifiable. Under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), furnishers and CRAs must ensure maximum accuracy and conduct reasonable reinvestigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have made several attempts at trying to put my loan into forebarance since at this time I am unemployed and unable to make payments. I have called this loan servicer a multitude of times trying to get the loan current and I sent in a letter requesting forbearance on the XXXX of XXXX of XXXX. The woman I spoke to said she would have it handled. Instead, the loan was marked 60 days past due and my XXXX score has taken XXXX point drop despite my best efforts to compromise with this company. I have even offered a settlement amount that I would be able to offer to have the account closed once and for all and they refused, stating that they wanted another amount that I could not afford. I have done everything that I feel possible to make this work and they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am following up regarding inaccurate late payment reporting on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a {$0.00} balance but is still reported with derogatory history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows inconsistent information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with two 30-day late payments in XX/XX/year>, which is inaccurate. Under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), CRAs must ensure maximum accuracy and reasonably reinvestigate disputed items.

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 2025-10-15 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 sending to formally dispute several items appearing on my credit report that I believe have been inaccurately reported and require immediate reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ). I am requesting that your agency review, verify, and remove or delete all unverifiable and inaccurate information listed below. 
XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Account Status : Closed Past Due Amount : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} Account Status : Closed Past Due Amount : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Account Status : :Closed Past Due Amount : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} Account Status : Closed Past Due Amount : {$92.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-15 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I made a transaction through Coinbase that was sent to the wrong type of wallet address ( XXXX to XXXX ). The funds were successfully sent on the blockchain, but they do not appear in my Coinbase account. 

I immediately contacted Coinbase support and provided the full transaction hash, date, time, amount, and all requested proof of ownership. Despite this, Coinbase has refused to recover or credit the funds, even though they control the wallet and have the ability to recover them internally. 

This situation is devastating to me and my family. I am a single parent, and these funds were critical to our livelihood. I have been patient, cooperative, and transparent, but have received only generic responses instead of genuine assistance or escalation to someone who can take action. 

Coinbases system does not adequately warn customers that a small, honest mistake like this can result in permanent loss, even when Coinbase retains full custody and control of the wallets. I believe this is unethical and misleading. 

I am requesting formal review by the CFPB to ensure Coinbase honors its responsibility to assist customers in good faith and recover funds they can access but are choosing not to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges, I am currently homeless and I am trying to better myself for my son and I. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have. 
18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : 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  These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal rights.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation