vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-22 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: CA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AR

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-12-22 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 submitting this complaint to dispute inaccurate, incomplete, and unverifiable information appearing on my TransUnion credit report. TransUnion is obligated under the Fair Credit Reporting Act to ensure maximum possible accuracy. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$9400.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$5400.00} XXXXXXXX XXXX  Account XXXX Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX  Account XXXX Opened XX/XX/XXXX Balance {$8700.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$2700.00} Bankruptcy Case XXXX Filed XX/XX/XXXX Balance {$0.00} XXXX Account XXXX XXXX XX/XX/XXXX Balance {$14000.00} These accounts are being reported without proper verification. If TransUnion can not provide original creditor documentation validating these accounts, they must be deleted. 

Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize these inquiries and have not been provided proof of permissible purpose. 

Late Payments in Dispute XXXX  Account XXXX XXXX Account XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX Account 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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
Requested title to be transferred. I had moved from Virginia to Delaware. I need the title to register my vehicle. I have a lien on it for my auto loan with them. I submitted a request on XX/XX/year>. Delaware issued me a 30 day temp tag. Since then I had a second temp tag. It runs out on Christmas Day. Every time I call they give a different excuse, such as Texas office has to print it and mail it to them and they will mail it to DMV in Delaware. Also they said Virginia would not release because I owed money. Virginia dmv said they didnt get a request and XXXX has to remove the electronic lien and print the title. Then last week m, yes they got the title and printed it and mailed it. Lastly, today, they said they had not printed it and would escalate it. Im out of time and options. Please help.

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 2025-12-22 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: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more XXXX than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-22 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: NV

Complaint narrative:
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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TN

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. 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.

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 2025-12-22 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
i made a phone call to XXXX XXXX and Xactus on and also XXXX  and XXXX. XXXX  I was not able to get to and XXXX  told me they could not help without me going to the FTC about inquiries on my account. I asked these 2 companies XXXX and Xactus to send me proof of when I spoke to them requesting info or gave written permission only to be hung up on. No action has been taken to remove these inquiries. My last date of speaking to the credit bureaus was today XX/XX/year>. I have discovered addresses and employer information that do not belong to me, as well as hard inquiries and late payments on accounts that I did not open, authorize, or participate in. 

I did not apply for credit, give written or verbal permission, nor conduct business with the companies associated with these inquiries or accounts. I have no knowledge of these transactions, and I did not benefit from them in any way. 

The presence of these items indicates possible identity theft, mixed file reporting, or unauthorized access to my consumer information. These inaccuracies are causing financial harm and misrepresent my creditworthiness. 

I am requesting a full investigation under my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable identity theft protections. I request that : All addresses and employer information that are not mine be removed All unauthorized hard inquiries be deleted All late payments and account histories not associated with accounts I opened be removed Any information that can not be verified with proper authorization be permanently deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
the unauthorized charge in question was not authorized by me it was a deceptive XXXX free trial that my wife initiate it but did cancel The deceptive part is the fact that the account that received the services wasn't an entirely different email under an entirely different name and at no point was authorization given for XXXX to charge his bank account for my account. 

Additionally, my wife canceled the free trial at the end of XXXX, but billing attempts began despite the cancellation and the charge was not just Unauthorized but it was pulled from a third partys account ( my account ) without consent. just because somebody has different emails with different payment methods on their phone doesn't give XXXX XXXX the right to go bouncing around into different emails on that person 's phone and use any payment they wish. 

furthermore my wife claimed the free trial that she agreed to was a career subscription not a business subscription in addition to that it was agreed to on a monthly subscription not yearly. 

the XXXX and account email and name is XXXX XXXX XXXX XXXX XXXX used my info XXXX XXXX XXXX I have been disputing this issue since the XXXX of XXXX with my bank and with XXXX now link it in was going to give me a refund and I have a download a copy of the email of them saying this but then turned around and change their mind because apparently I already followed dispute with XXXX so they wouldn't give me the money back my bank denied my request because of whatever lies that were told to them. 

now when I go into my XXXX XXXX account it says that my money was refunded but when you look further and when I spoke to an agent through the chat service they told me they can not issue me a refund because I requested a chargeback from my bank but they denied that request like 4 days ago so basically my bank 's denying my request for an unauthorized charge that wasn't even made through my email account where my payment methods were and also link it in is also they were going to give me a refund but now we're denying me because there's a chargeback with my bank and so is placed please can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am disputing this collection account as inaccurate and unverified. The account was reported as a collection for {$2000.00}, with an opening date of XX/XX/year>, without proper validation being provided to me. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report only information that is complete and accurate and to conduct a reasonable investigation upon notice of a dispute. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of a debt upon request. 

I have not been provided documentation showing that I am legally obligated for this debt, proof of the original creditor, an itemized accounting of the balance, or evidence that the reporting party has the legal authority to collect. Reporting this account without verification constitutes the reporting of potentially inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-22 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Issue : National Credit Systems reported a collection account to Experian while the debt was under dispute and without providing validation. 

Complaint : I am filing a complaint against National Credit Systems ( NCS ) regarding an alleged {$310.00} debt originally from XXXX XXXX. I disputed the alleged debt with NCS in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ). Additionally, I disputed the debt directly with XXXX XXXX prior to this alleged debt being turned over to NCS and received no response. 

Despite my written dispute, NCS did not provide any validation or documentation of the charges. Instead, on XX/XX/year>, they reported the collection account to XXXX  as a major derogatory entry. Reporting the debt to a credit bureau is considered continued collection activity, and under FDCPA, collection activity must cease until validation is provided. 

I believe NCS violated the FDCPA by : A. failing to validate the debt upon written request B. continuing collection activity by reporting to XXXX  during the dispute C. damaging my credit without proving the debt is valid I am requesting : 1. Removal of the derogatory account from my credit reports until full validation is provided 2. Validation documentation including itemized charges and evidence of the claims made against me by XXXX XXXX as requested by me initially I have never received. 

3. Regulatory review of NCSs actions I attempted to resolve this directly with NCS, but they have not responded to my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
So I have a Robinhood account with like XXXX stocks. Ive had that for years now.Thats before XXXX  too. Ive been trying to contact them about login issues till this day they refuse to answer me back. The only thing that gets sent to me is a bot automated message. So they gotten my information compromised in XXXX  from a data breach. 
So recently Ive been getting messages that people are withdrawing the funds from my account without my consent but I can not check this out because they will not help get me logged in. So I am filing this complaint because of all this negligence.

Company response to consumer: Closed with explanation