vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am formally disputing multiple inaccurate and unverifiable items on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. I request a thorough reinvestigation of all listed items, and correction or deletion of any information found to be inaccurate or unverifiable. These items are harming my creditworthiness and misrepresenting my financial history. 
Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurate. FCRA Section 607 ( b ) mandates that credit reporting agencies maintain maximum possible accuracy. Its presence on my report is misleading and could unjustly influence lending decisions. 
Account : XXXX XXXX, High Credit : {$310.00}, Date Opened : XX/XX/XXXX, Charge Off This account is inaccurately reported as a charge-off. Under FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ), I am entitled to verification of the debt. Reporting this item incorrectly misrepresents my payment history and negatively impacts my credit score. 
Account : XXXX XXXX XXXX XXXX, High Credit : {$1300.00}, Date Opened : XX/XX/XXXX, Collection This collection account is unverified and inaccurate. FCRA Section 611 ( a ) ( 1 ) requires deletion if verification is not provided. The reporting of this item falsely suggests I have unpaid debt, damaging my financial reputation and lending opportunities. 
Account : XXXX  XXXX XXXX, Credit Limit : {$4500.00}, Date Opened : XX/XX/XXXX, Charge Off This charge-off is incorrectly reported. FCRA Sections 609 and 611 require verification. This inaccurate reporting portrays me as a defaulter and causes unwarranted financial harm, affecting my credit decisions and ability to obtain fair credit. 
Account : XXXX XXXX  XXXX, High Credit : {$5400.00}, Date Opened : XX/XX/XXXX, Charge Off This account is misreported and unverifiable. Section 611 ( a ) mandates removal of unverifiable accounts. Its reporting falsely signals delinquency and misleads lenders about my creditworthiness. 
Account : XXXX XXXX XXXX, High Credit : {$3300.00}, Date Opened : XX/XX/XXXX, Charge Off This account is inaccurate and lacks verification. FCRA Sections 609 ( a ) ( 1 ) and 611 require deletion if unverifiable. Its inclusion harms my credit profile and financial credibility. 
Account : XXXX XXXX  XXXX XXXX, High Credit : {$370.00}, Date Opened : XX/XX/XXXX, Charge Off This charge-off is reported incorrectly. Section 611 requires accurate reporting and verification. Its presence falsely portrays financial mismanagement and unjustly reduces my credit score.

I request immediate reinvestigation of all disputed items and removal of any unverified, inaccurate, or unverifiable information. The presence of these errors misrepresents my credit history, adversely affecting my financial standing, and I expect all necessary corrections be completed promptly as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-06 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute of Huntington Account To Whom It May Concern, I am formally disputing the accuracy and completeness of the information reported on my credit file regarding the Huntington account ( Account, showing a reported balance of {$86.00}.

This reporting contains multiple inaccuracies and fails to comply with the standards required by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  reporting guidelines. Specifically : - The reported balance, status, and dates are inconsistent and unverifiable.

- The account is being reported in a manner that does not meet the maximum possible accuracy standard of FC

RA 607 ( b ). - The tradeline fails XXXX XXXX  compliance in its reporting fields, including status and payment history accuracy. Therefore, pursuant to FCRA 611, I am demanding the method of verification for this account. If you can not provide complete, verifiable, and accurate documentation from the original creditor within the statutory period, you are req
uired to DELETE this account from my credit report immediately.

Failure to comply will result in escalation with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to legal action to enforce my rights under federal law.

I expect a full reinvestigation and written confirmation of the results within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a XXXX credit score. I did not have any credit as I had a bankruptcy for health issues in XXXX. I had a XXXX and am XXXX. I have collections. Problems and a XXXX score and these are NOT my credit. I have told the companys and they amend payments made to these accounts, well my mother has XXXX, she pays these out of habit. I have been very ill since XXXX. I have had my car stolen and it has been reported to the FBI.. I have multiple police reports and also have XXXX reports with Identity Fraud government websites. Still, I keep getting harassed. These are not my accounts. I need my social security and name changed to clear my credit and for safety reasons change my name.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a XXXX credit score. I did not have any credit as I had a bankruptcy for health issues in XXXX. I had a XXXX and am XXXX. I have collections. Problems and a XXXX score and these are NOT my credit. I have told the companys and they amend payments made to these accounts, well my mother has XXXX, she pays these out of habit. I have been very ill since XXXX. I have had my car stolen and it has been reported to the FBI.. I have multiple police reports and also have XXXX reports with Identity Fraud government websites. Still, I keep getting harassed. These are not my accounts. I need my social security and name changed to clear my credit and for safety reasons change my name.

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 2025-09-06 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:
I recently reviewed my credit report to ensure that all information being reported is 100 % correct and accurate. Upon review, I noticed certain accounts that appear to contain errors. I respectfully request a full reinvestigation of the accounts listed below. 

Accounts to Reinvestigate : XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute and request reinvestigation of inaccurate or incomplete information.

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 2025-09-06 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: GA

Complaint narrative:
I should not have to chase down errors like this, yet unauthorized accounts keep showing up under my name. I never opened or approved these accounts, and I was never informed they were added. The reporting across bureaus is inconsistent and clearly 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: WY

Complaint narrative:
Supposedly past medical debt. But I have not been to that hospital nor have I ever received a bill from them in 14 years. This Debt is not mine, and I have tried to dispute it. When it showed up, it said it was like four years old or something to that effect. So it dramatically decreased my credit score for something that they can not prove is mine. Ive sent them countless letters. XXXX XXXX XXXX mailing address is not real. The mailing address on all of their correspondence is the mailing address I used everything keeps getting returned to sender, Ive sent four letters in the span of the last six months, all returned to me and then out of the blue. I got a letter from XXXX XXXX XXXX, saying that they need more information from me to tell me the information I requested. Thats not how that works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Date : XX/XX/2025 LVNV Funding LLC [ Address from your credit report ] Subject : Cease and Desist Account Original Creditor : XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am formally notifying you, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all communication with me regarding the above-referenced account. 
Any further attempts to contact me by phone, mail, or email will be considered harassment and in direct violation of federal law. You are permitted only to provide a single final notice that you are ceasing collection efforts, or to notify me of specific legal action, as allowed by statute.

Failure to comply will result in documentation of violations and may lead to legal action against LVNV Funding for harassment and FDCPA violations.

Please update your records accordingly and confirm in writing that you will cease all further communications regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
The dispute regarding XXXX started in XXXX and drug on through XXXX. They denied my dispute then I contested that. I finally asked for a complete copy of their investigation into my dispute in writing to be mailed to me. At first they refused. They finally sent it by XXXX today. It is 5 pages, mostly photocopies of information I sent to them, and it is not everything I sent them, only a small portion. They NEVER even contacted XXXX at all even though I said XXXX recorded all calls, and the recorded calls would prove my side of the story. Today, through chat I requested someone from XXXX call me. When they did, I gave them my date of birth, email, address, etc. They have called me before. They have never sent me an email. This time they sent an email requesting I send them a copy of my driver 's license. I refused as I am uncomfortable sending documents that can cause identity theft through an unsecure mode like email PLUS they have my cell phone on file. THEY called me. I gave them my date of birth, email address, etc. Because I wouldn't send them my driver 's license, they said they wouldn't help me I said we didn't have to discuss my account and that I wanted the CEO contact information ( I actually meant the corporate contact information ). They refused to give it to me. They didn't even investigate my dispute. There is no number to call on the back of their credit card, and they can refuse to help you. At first I felt uncomfortable to continue using their credit card. I have locked it on the app and put it away in a secure locked cabinet. Now I no longer have confidence in their company. I have two investment accounts with them. What if I have a problem? They can refuse to give you contact information or simply do nothing to solve your problem. This should be illegal. It should be illegal to force customers to also send private identifying information that can cause identity theft through unsecure modes like general email. This company is doing some questionable practices that I feel might not be following the law. I would be interested to know if any disputes get resolved positively or if they simply deny them all without investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NV

Complaint narrative:
I am filing this complaint regarding several unauthorized hard inquiries that appeared on my TransUnion credit report. I did not initiate, authorize, or apply for credit with the following companies, yet inquiries were recorded on my file : XXXX XXXX {$13000.00} XXXXXXXX XXXX XXXXXXXX {$520.00} XXXX {$530.00} XXXX {$460.00} I have reason to believe my personal information may have been compromised during the recent TransUnion data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report to a party with a permissible purpose, and I do not believe these entities had such a purpose in my case. 

I have disputed these inquiries directly with TransUnion under FCRA 611 ( 15 U.S.C. 1681i ), requesting removal of the inaccurate information. However, the inquiries remain, and no satisfactory resolution has been provided.

These unauthorized inquiries are damaging to my creditworthiness and have caused me financial and emotional distress. I am requesting that the CFPB assist in ensuring the following : 1. The unauthorized inquiries are fully investigated and permanently removed from my TransUnion credit report.

2. TransUnion provides a detailed explanation of how these inquiries were permitted without my authorization.

3. Proper safeguards are put in place to prevent further unauthorized access to my credit file.

4. My rights under the FCRA are upheld, and any violations by TransUnion or the companies that accessed my report without consent are addressed.

I did not apply for credit with these companies, and I did not authorize these inquiries. I am seeking full removal and accountability under the law.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-09-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX  -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-09-06 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and the three nationwide credit reporting agencies ( Experian, XXXX, and XXXX  ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Illegal Reinsertion Without Notice This Innovative Recovery account was previously disputed and deleted. It has now been reinserted into my credit reports without the required written notice under FCRA 611 ( a ) ( 5 ) ( B )
. 
I never received any reinsertion notice from Experian, XXXX, or XXXX. 
False Re-Aging of the Account My XXXX  credit report ( XX/XX/XXXX ) shows the account with a Date Opened of XX/XX/XXXX and DOFD of XX/XX/XXXX. 
Current reports now show a false Date Opened of XX/XX/XXXX. This is a clear violation of FCRA 623 ( a ) ( 5 ) prohibiting re-aging of accounts.

Inconsistent & Unverifiable Balances The balance reported in XX/XX/XXXX was {$2100.00}. 
The balance being reported in XX/XX/XXXX is {$1200.00}.

This inconsistency violates the FCRA 607 ( b ) accuracy requirement, showing the data is unverifiable and inaccurate.

Failure to Validate Debt ( FDCPA Violation ) On XX/XX/XXXX, I sent Innovative Recovery a validation request pursuant to FDCPA 809 ( b ).

To date, they have provided no validation whatsoever. Despite this, they continue to report and update the account with the bureaus.

This is a direct violation of the FDCPA and renders the account uncollectible and unreportable.

Bureaus Failure to Conduct Reasonable Reinvestigation I disputed this same account on XX/XX/XXXX ( Experian Report # XXXX ). 
Each bureau verified the account based solely on the furnishers word, without addressing the evidence I provided, in violation of FCRA 611 ( a ).

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