vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX and XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon receiving a few unknown inquires to my credit that I monitor through XXXX XXXX with XXXX  XXXX I saw that I should create an experian account. Upon seeing this info I attempt to make an account and see that there is an account created under a phone number and email I do not recognize. There has been no way for me to get in contact with a customer support agent at experian to help begin resolving this issue. I am sending this message for a second time since my first time the case closed and the company still did not fix the problem. They asked for a fax and I sent a fax online through drop box, since then I have not received a response to my email and I was not given I number to contact this company. This is XXXX XXXX  compamy management when my identity is at stake, give me a number to talk to someone at Experian to get this resolved please.

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 2025-08-05 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-05 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
This account is inaccurate. Im seeking Litigation. Please delete at once. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-05 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00}

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 explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
Innacurates accounts on my credit report i want them deleted asap

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 2025-08-05 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:
On XX/XX/year>, Robinhood restricted access to my account and blocked my funds. To verify the account and lift the restriction, they requested a monthly bank statement showing proof of ownership. 

I initially submitted a statement generated from my XXXX XXXX, but they rejected it because it showed " XXXX XXXX '' instead of " XXXX XXXX XXXX. '' Following their instructions, I logged into card.apple.com and downloaded the official XX/XX/year> statement, which clearly displays " XXXX XXXX XXXX  '' as the issuer and includes all required account details. I submitted this version as requested. 

Robinhood support acknowledged receipt but told me they would try to get it approved again, without confirming whether it would be accepted or giving me any timeline. 

As of today, my account has been frozen for over 20 days, and I still can not access my funds despite fully complying with their documentation requirements. 

I urgently need access to my money. Robinhoods lack of resolution, clarity, and responsiveness is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> Re : CFPB Complaint Response Case # XXXX To Whom It May Concern, Thank you for your response regarding CFPB Case # XXXX. However, I am formally rejecting your conclusion that the information reported is entirely accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

While you provided a general timeline of events, your response does not include full documentation to support your claims. You failed to provide : Copies of billing statements or notices allegedly sent prior to any delinquency reporting Evidence that proper notification was received Any proof that the reported delinquencies were the result of a valid and enforceable agreement Furthermore, the {$200.00} security deposit applied to the balance should have satisfied the majority of the obligation. The continuation of late fees, interest, and derogatory reporting after that application is questionable and may reflect unfair and misleading credit practices.

Your use of the transaction or experience exemption to avoid correcting or deleting the negative marks is misapplied in this context. Reporting 30- and 60-day lates is still subject to dispute under the FCRA, especially when it results in misleading or inaccurate reflection of the account status.

I am requesting : 1. Deletion or suppression of the 30-day and 60-day late payments from my credit report, due to improper notice and account handling.

2. Full documentation of all billing statements, notices, and email communications prior to derogatory reporting. 
3. Confirmation that a manual reinvestigation has been conducted in accordance with FCRA 1681s-2 ( b ).

Failure to resolve this issue may result in additional complaints to the CFPB, FTC, and legal review under the FCRA for damages related to inaccurate reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> Re : CFPB Complaint Response Case # XXXX To Whom It May Concern, Thank you for your response regarding CFPB Case # XXXX. However, I am formally rejecting your conclusion that the information reported is entirely accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

While you provided a general timeline of events, your response does not include full documentation to support your claims. You failed to provide : Copies of billing statements or notices allegedly sent prior to any delinquency reporting Evidence that proper notification was received Any proof that the reported delinquencies were the result of a valid and enforceable agreement Furthermore, the {$200.00} security deposit applied to the balance should have satisfied the majority of the obligation. The continuation of late fees, interest, and derogatory reporting after that application is questionable and may reflect unfair and misleading credit practices.

Your use of the transaction or experience exemption to avoid correcting or deleting the negative marks is misapplied in this context. Reporting 30- and 60-day lates is still subject to dispute under the FCRA, especially when it results in misleading or inaccurate reflection of the account status.

I am requesting : 1. Deletion or suppression of the 30-day and 60-day late payments from my credit report, due to improper notice and account handling.

2. Full documentation of all billing statements, notices, and email communications prior to derogatory reporting.

3. Confirmation that a manual reinvestigation has been conducted in accordance with FCRA 1681s-2 ( b ).

Failure to resolve this issue may result in additional complaints to the CFPB, FTC, and legal review under the FCRA for damages related to inaccurate reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a longtime American Express XXXX XXXX XXXX cardholder. On XX/XX/XXXX, I entered into a written repayment plan through American Expresss own website for my closed account, which listed my balance as {$1000.00} to be repaid in monthly {$100.00} installments. I have fully complied with that plan, making consistent payments totaling {$1100.00} more than 100 % of the agreed balance. 

Despite my full compliance and overpayment, American Express : Referred my account to XXXX XXXX XXXX ( XXXX ) for collection without warning. 

Failed to provide an explanation for why the balance is still allegedly {$650.00} plus additional undefined interest, late fees, and other charges. 

Missed XXXX written deadlines to follow up on my complaint ( XX/XX/XXXX and XX/XX/XXXX ). 

Blocked my ability to reply to their Executive Offices emails after those missed deadlines, with my replies rejected as unmonitored mailbox. 

Continued sending emails offering me direct payment plans even after allegedly referring my account to a third-party collector. 

Sent a XX/XX/XXXX letter to me stating they were sending documents to XXXX to validate the debt rather than resolving directly with me. 

Allowed XXXX to send me a XX/XX/XXXX demand letter claiming {$650.00} plus additional charges, despite my overpayment under the formal plan. 

American Expresss actions appear to violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potentially the Truth in Lending Act ( TILA ). They have misrepresented the amount owed, failed to apply my payments correctly, and caused unnecessary damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within four ( 4 ) business days of receiving this notice.

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX - Opened XX/XX/XXXX with balance of {$2300.00}, XXXX - Opened XX/XX/XXXX with balance of {$0.00}, XXXX - Opened XX/XX/XXXX with balance of {$2100.00}, XXXX - Opened XX/XX/XXXX with balance of {$3500.00}, XXXX - Opened XX/XX/XXXX with balance of {$2100.00}, XXXX - Opened XXXX XXXX, XXXX with balance of {$5500.00}, XXXX - Opened XX/XX/XXXX with balance of {$4500.00}, XXXX - Opened XX/XX/XXXX with balance of {$1100.00}... The following fraudulent inquire XXXX XXXX on XX/XX/XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which confirms that these items are the result of identity theft.

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 2025-08-05 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-05 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: MS

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-05 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: AR

Complaint narrative:
I am writing to dispute the following information in my file. 
This item from XXXX, the facilitators of my XXXX  loan, is inaccurate because I was never contacted or made aware that my account status went from deferred to forbearance and apparently sometime in the beginning of 2025 it went delinquent for nonpayment of over 90 days. It then went back into forbearance and is still in forbearance until XX/XX/XXXX of 2025. I have since made a payment and set up ACH or auto payments in the amount of {$200.00} moving forward. I also requested they remove this from my credit, and they refused that request. I then asked if I paid it in full would they remove this from my credit and they once again refused and said the only way they can remove this is if I show proof that I were XXXX in the XXXX  or was XXXX XXXX XXXX. They could not provide me with an accurate description or definition of XXXX  as I have been XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within my line of work for over a year. As a result of all my best efforts to resolve this matter and get this removed from my credit they refused, and it has led me to reach out to all the Credit Bureaus and the CFPD Consumer Financial Protection Bureau to file a formal complaint. Once again, I am requesting that this item be removed from my credit immediately. 
I have documentation showing my account status in forbearance and my recent payment receipt along with setting up ACH or auto pay to prevent this from happening aggain. 
Most importantly, this is effecting my daughters ability to procure her student loans for her freshman year. She has been denied becasue of the above delinguent status under my credit information and every lender requires she list me as a co-signer or borrowor. 

The fact that XXXX will not provide a letter or release to credit bureaus and request the removal of this matter unless I the consumer provide proof of military or school enrollment as my only options for the said delinquent report is not fair to me or my daughter and her future ability to aquire any type of loan or financial assistance. 

I request that someone from the CFPB assist me in this matter asap. Being forced to pay my daughters school tuition because of a {$130.00} delinquent payment on my credit that I have not only resolved but have put for processes to avoid it from accurring again should not be burdened by my daughter. She should have the right to a fair 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