vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission XXXX  have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-21 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: OH

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission XXXX  have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX  highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS XXXX  - XXXX * * * * - According to my records, I have never been late on this account. It appears that there are reports of XXXX or XXXX  days late without a preceding XXXX or XXXX days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax, TransUnion have contributed to their continued presence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-04-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a complaint with EQUIFAX regarding the data reported on my credit file that has not been properly verified, proven valid, or documented as accurate and fully compliant. 

I have noticed questionable remarks on my credit report. As a consumer, I have the right to demand that these entries be deleted promptly in accordance with my federal and state consumer rights. I am submitting this complaint to ensure that the reported items comply with FACTA Title 1, Section 151, which clearly outlines the required procedures. 

Here is the list of incorrect accounts I am referring to : XXXX XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX * * XXXX * * * * Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX * * XXXX * * * * Balance Owed : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$61.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX- * * * * * * * * * * * * * * Balance Owed : {$1500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$710.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1400.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against cash app ( BLOCK, inc. ) due to very inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ). Cashapp failed to take timely and effective measures to prevent and address fraud .these actions have cause significant inconvenience and financial loss. And I seek appropriate redress for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-04-21 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX * * * * Balance : {$4100.00} XXXX XXXX XXXX * * Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$0.00}

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Synovus Bank

Complaint narrative:
Dear Sir/Madame, I was honourably XXXX from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXa in XXXX year XXXX. 
I had an account at Synovus Bank. 
I never closed the account and I asked to have them send me my account balance and they never answered me=y request. 
I believe that even if they did close my account I should have been informed of that fact and that my consent was needed. They ( SynovusXXXX XXXX XXXXXXXX XXXX XXXX ) at least owes me an explanation and given the IT they have it should not be so difficult for them to retrieve my information,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 submitting a formal complaint against TRANSUNION regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151. 

Here are the inaccurate accounts that I am referring to : XXXX XXXX * * * * * * * * * * Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$740.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX * * * * * * Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$23000.00} Date Opened : 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 2025-04-21 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: NJ

Complaint narrative:
I hope this complaint finds you well. I am writing to follow up on the disputes I previously submitted regarding specific items on my credit report. 

To date, I have not received any updates or responses concerning the resolution of these disputes. While I understand that investigations may take time, I would appreciate any information on the current status and progress made thus far. 

Below is a list of the items I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX * * Balance : {$19000.00} XXXX XXXX * * * * Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX * * Balance : {$74.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I am filing this complaint regarding an account being reported by Trident Asset Management ( Account ending in XXXX ). This account was charged off years ago, with a first delinquency date of XX/XX/XXXX and a major delinquency recorded in XXXX. Despite no consumer activity since that time, Trident is improperly reporting this account every single month as a collection, with a fixed balance of {$600.00}. 

This monthly reporting is misleading and inaccurate. It gives the appearance of ongoing consumer activity or recurring delinquencies, when in reality the account is long closed and inactive. This tactic is known as re-aging and it is a deceptive practice that artificially keeps the account active on my credit profile, damaging my credit score and misrepresenting my financial history. 

I am requesting that Trident cease all monthly reporting on this account and instead report it as a closed, inactive charge-off with no further updates, in accordance with FCRA accuracy requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-21 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: NC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-04-21 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:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I deposited {$4900.00} into my Robinhood account from my debit card. Then, I purchased {$25.00} worth of crypto and when I tried to send it to another crypto wallet for testing purposes, the transaction was successful. On XX/XX/2025, I attempted the same transaction with the remaining balance, but my account was put under review. A few days later, they requested documents from me, and I sent the required documents on the same day. The date for feedback via the app keeps getting postponed to the next day, and I havent received any feedback. Additionally, they have locked my funds, and I am unable to use them. I cant send the funds to another crypto wallet or withdraw them to my debit card. They havent explained why my account was put under review, nor are they returning my money. I have been experiencing this issue since XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$1000.00} XXXX XXXXXXXX BALANCED {$780.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation