vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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. 
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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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal letter of complaint about Experian for failure to comply with the provisions set forth in the Fair Credit Reporting Act ( FCRA ), specifically regarding the handling of a credit dispute I submitted.

According to the FCRA ( 15 U.S.C. 1681i ), Experian is required to complete its investigation within 30 days of receiving the dispute or delete the disputed information if the investigation is not completed within that timeframe.

It has now been 142 DAYS since my original dispute submission, and Experian has neither completed the investigation nor removed the disputed information from my credit report. This is a clear violation of my rights under federal law, and I am requesting that the CFPB take appropriate action to : ( 1 ) Investigate Experians continued non-compliance with the FCRA ; ( 2 ) Require the immediate deletion of the disputed information as mandated by law I sent a formal letter of dispute to Experian by Certified Mail, Return Receipt on XX/XX/XXXX, ( i ) to dispute the inaccurate information in my credit report ( XXXX ) request investigation and ( iii ) remove the information from my credit report. 

I requested an investigation to prove the accuracy and the source of the information, including the original contract that contains my signature. 

I included copies of my ID, Social Security card, phone bill for ( proof of address ) and enclosed a copy of the credit report with that letter. 

Experian received the letter- the proof is the Return Receipt stamped XX/XX/XXXX. I attached with this complaint. 

They did not investigate, validate or verify the accounts with the original contracts, the information was not removed from my credit report within 30 days. All the items from the collection agency XXXX XXXX are inaccurate, I have no knowledge of these accounts. 

I formally request that Experian be compelled to stop abusing and intentionally causing financial harm to consumers and delete these items from my credit report immediately. 

Please find attached copies of my original dispute submission, correspondence with Experian, and any other supporting documentation relevant to this matter. 

Thank you for your time and assistance. I look forward to your prompt attention to this serious issue. This report of complaint against Experian will also be filed with the FTC.

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 2025-05-28 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: SC

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 there 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 non-monetary relief
Consumer complaint received 2025-05-28 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 asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. if not, please delete account XXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX I am unaware of this debt in entirety and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature, debt validation from original creditor, purchase agreement, and that you are licensed in my state to collect said debt. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action for violation of ( 604.15.USC.1681b & 15.USC.1692g ) consumer rights. Each violation as you know could result in a fine of {$1000.00} with an addition of lawyer costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( last XXXX ) : XXXX Date of Birth : XX/XX/XXXX Companies Complained About : Experian, Equifax, TransUnion Issue : Unauthorized Accounts, Inquiries, and Inaccurate Personal Information I am a secured party and private consumer. I dispute multiple fraudulent accounts, inquiries, and personal data being reported without my authorization, knowledge, or benefit. Despite submitting notarized affidavits, FTC Identity Theft Reports, and formal disputes, the credit bureaus have failed to block and delete these items within 4 business days, as required by 15 U.S.C. 1681c-2. 

Fraudulent accounts include : XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Inaccurate personal information : Names : XXXX, XXXX, XXXX  Employers XXXX JUST FOR YOU CATERING, XXXX, XX/XX/XXXX, XX/XX/XXXX Addresses : XXXX H XXXX XXXX XXXX XXXX XXXX XXXX  Violations include XXXX 15 U.S.C. 1681c-2 Block information within 4 days 15 U.S.C. 1681e ( b ) Accuracy failures 15 U.S.C. 6802 ( GLBA ) Privacy violations 15 U.S.C. 1635 No opt-out notice UCC 1-308 , 1-301, 3-403 ( a ), 2-302 Contractual violations

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 2025-05-28 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( last XXXX ) : XXXX Date of Birth : XX/XX/XXXX Companies Complained About : Experian, Equifax, TransUnion Issue : Unauthorized Accounts, Inquiries, and Inaccurate Personal Information I am a secured party and private consumer. I dispute multiple fraudulent accounts, inquiries, and personal data being reported without my authorization, knowledge, or benefit. Despite submitting notarized affidavits, FTC Identity Theft Reports, and formal disputes, the credit bureaus have failed to block and delete these items within 4 business days, as required by 15 U.S.C. 1681c-2. 

Fraudulent accounts include : XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Inaccurate personal information : Names : XXXX, XXXX, XXXX  Employers XXXX JUST FOR YOU CATERING, XXXX, XX/XX/XXXX, XX/XX/XXXX Addresses : XXXX H XXXX XXXX XXXX XXXX XXXX XXXX  Violations include XXXX 15 U.S.C. 1681c-2 Block information within 4 days 15 U.S.C. 1681e ( b ) Accuracy failures 15 U.S.C. 6802 ( GLBA ) Privacy violations 15 U.S.C. 1635 No opt-out notice UCC 1-308 , 1-301, 3-403 ( a ), 2-302 Contractual violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I'm a victim of identity fraud and have attached all my documents including my police report. Please review these documents and block the requested accounts, addresses and inquiries on file. Police have been involved in this because the fraudulent items have been too much of. problem for me and Experian and Equifax have not been cooperative.

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 2025-05-28 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: NV

Complaint narrative:
Using Robinhood, I put some money into a cryptocurrency and I attempted to transfer it. I then got my account restricted, then I completed all the steps and information they asked me to provide. It has been over a week and my account is still restricted and I have not received any updates. Original submission for verification was on XX/XX/XXXX, it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I discovered two unauthorized hard inquiries on my Experian credit report. One was from XXXX XXXX XXXX, and the other was from XXXX XXXX XXXX XXXX XXXX I did not apply for credit with either entity, nor did I authorize any person or dealership to do so on my behalf. 

Concerned about possible fraud or misuse of my personal information, I contacted Experian immediately to dispute the inquiries. However, Experian informed me that they could not remove the inquiries and directed me to contact the companies that initiated them. 

I then attempted to reach both XXXX XXXX XXXX and XXXX of XXXX XXXX by phone. Despite multiple attempts, I have not been able to speak to anyone who can assist me or provide any documentation showing that I authorized these credit checks. I have not received any satisfactory explanation or resolution from either party. 

I did not initiate any credit application with these companies, and I believe these inquiries are unauthorized and potentially fraudulent. I am requesting that the CFPB assist in having these inquiries removed from my credit report and ensure my personal information is not being misused.

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 2025-05-28 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX  report. 

These addresses nor accounts are tied my XXXX report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY XXXX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$350.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00}

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I submitted formal disputes to the credit bureaus to correct multiple inaccurate addresses and aliases that appear on my credit report. These include two outdated addresses and two name variations that are not associated with me. I provided a government-issued ID and proof of my current address along with each dispute.

Despite taking these steps, the inaccurate information remains on my report. I also requested that the credit bureaus investigate and remove five collection accounts that I believe to be either outdated, invalid, or unverifiable. Some of these accounts have been disputed before, and yet no proper investigation or resolution has occurred. 

I am requesting that these inaccurate addresses and name variations be removed, and that a full investigation into the collection accounts be conducted in accordance with the Fair Credit Reporting Act. 

Thank you for reviewing my complaint.

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 2025-05-28 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: FL

Complaint narrative:
My payment processed for my XXXX auto loan payment and then reflected as unpaid and it ended up affecting my credit score and adding an inaccurate payment history.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My payment processed for my XXXX auto loan payment and then reflected as unpaid and it ended up affecting my credit score and adding an inaccurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
My payment processed for my XXXX auto loan payment and then reflected as unpaid and it ended up affecting my credit score and adding an inaccurate payment history.

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