vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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 never thought I would find myself questioning the accuracy of my own credit report, but after reviewing it carefully, I noticed entries that do not reflect my actual financial history. I feel compelled to share my story and request correction. 
I discovered several accounts being reported in a way that negatively impacts my credit, even though some have a {$0.00} balance. Specifically, these include XXXX XXXX XXXX ( {$0.00} ), XXXX BANK XXXX ( {$0.00} ), and XXXX XXXX XXXXXXXX ( {$0.00} ). Reporting these accounts inaccurately is unfair and misrepresents my obligations. I am requesting a thorough investigation under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 611 15 U.S.C. 1681i, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) to ensure accurate reporting. 
Additionally, there is a charge-off from XXXX XXXX XXXX ( {$0.00} ) and a collection account from XXXX. XXXX XXXX  ( XXXX, {$310.00} ). These accounts XXXX be inaccurately reported and causing undue harm. I request they be verified and corrected. The collection account XXXX also be in violation of FDCPA 807 15 U.S.C. 1692e if it is misleading or inaccurately represented. 
I also identified multiple inquiries that I did not authorize, including : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
These inquiries were unauthorized and violate FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). I request that each of these inquiries be investigated and removed from my credit report.

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 2025-09-09 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good morning, My name is XXXX XXXX. Around XXXX 2024, I employed the services of XXXX XXXX XXXX XXXX to help me pay off creditors : XXXX card, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The payments or correct remaining balance were never reported accurrately or credit beaureaus. The XXXX XXXX Transunion, Equifax, and Experian all report that I was late on payments to XXXX  Card, XXXX XXXX, and XXXX XXXX. I would like all negative and deliquent reporting of the XXXX accounts mention to be remove according to the Fair Credit act. 

XXXX XXXX bank and XXXX XXXX acxount balance is {$0.00} and paid off. XXXX card balance is {$1300.00} and will be paid soon. 

In addition, I would like Transunion to provide original requested explanation off why credit fell XXXX point aftet paying back XXXX XXXX and account closed. 

All XXXX agencies have inaccurrate information negative information it is in violation of the far credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have filed several disputes with TransUnion credit reporting services over a mistaken report they have claimed to have received from XXXX XXXX ( XXXX XXXX  ) which claims that I have had an account closed with a collection This is clearly incorrect information This account was closed at my request and was paid in full and was never late and was never a collection I have filed numerous disputes and XXXX XXXX  has contacted transUnion on multiple occasions to confirm this The senior vice president at XXXX XXXX  XXXX XXXX at XXXX have sent numerous communications to TransUnion to correct the report as have I through disputes and TransUnion has simply refused to correct and ignored the correspondence As a result of TransUnions blatant disregard my credit score has fallen from over XXXX to XXXX and TransUnion should be severely sanctioned for their reprehensible conduct in this matter 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: AR

Complaint narrative:
On XX/XX/year>, after spending more than 14 cumulative hours on hold with XXXX XXXX, I was hung up on by two people, including a supervisor, at approximately XXXX XXXX. This demonstrates a repeated pattern of obstruction and misconduct. Despite using multiple phones ( rehab facility, a friends phone, and the XXXX app ), I have been unable to resolve this issue or access my benefits. This is a regulatory complaint issue, and I am requesting immediate Treasury oversight and written confirmation of access to my account.

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

Complaint narrative:
Please remove the following fraudulent accounts due to XXXX  data breach identity theft. I am a victim of Data Breach. Please, block and delete the account within 4 business days as required by FCRA 605B, 15 U.S.C. 1681c2. 15 USC 1681b, 15 USC 1681i, I request this account be removed immediately. Please ftc documents attached. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX { Last XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX  Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXn accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, 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 2025-09-09 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a company named XXXX XXXX XXXX XXXX I have been working with XXXX XXXX XXXX ( XXXX XXXXXXXX ) for about XXXX years in a consulting capacity. The CEO is a close personal friend. The wire was sent from XXXX XXXX XXXX 
They are a public company with an enterprise value of $ XXXX ( Over $ XXXX has been raised alone ), and they trade on the XXXX XXXX XXXX. 

$ XXXX was sent XX/XX/2025, successfully $ XXXX XX/XX/2025 Successfully $ XXXX was sent on XX/XX/2025, but was then flagged for fraud. 
I do not understand why it was flagged, but I would like an immediate resolution to this matter. This is a very long-standing client. The recall was sent on XX/XX/2025 by XXXX XXXX. 

The fraud department at citi bank is refusing to release the money to myself l, the branch manager at local citi bank in XXXX XXXX, or the original sender. The original sender requested the money on XX/XX/XXXX and again on XX/XX/XXXX. The proper paper work to release the money has be filed.

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 monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful reporting on my credit file for the following account : XXXX  XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX Balance Owed : $ XXXXDate of Last Activity : XXXXReported late marks : XX/XX/year> 30 days late, XX/XX/year> 60 days late, XX/XX/year> 90 days lateI believe these reported late payments are either inaccurate or unverifiable. During the time these late notations are claimed, I made good faith efforts to maintain my obligations. Seeing these derogatories now reflected on my report paints a false and damaging picture of my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful reporting on my credit file for the following account : XXXX  XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX Balance Owed : $ XXXXDate of Last Activity : XXXXReported late marks : XX/XX/year> 30 days late, XX/XX/year> 60 days late, XX/XX/year> 90 days lateI believe these reported late payments are either inaccurate or unverifiable. During the time these late notations are claimed, I made good faith efforts to maintain my obligations. Seeing these derogatories now reflected on my report paints a false and damaging picture of my creditworthiness.

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 2025-09-09 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 submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include 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 XXXX XXXX XXXX , which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice.

These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
On [ XX/XX/2025 ], I received a notification from XXXX stating : We regret to inform you that after careful consideration, Robinhood will no longer support your account. This message appeared without prior warning, and no specific explanation was provided as to why my account was being closed or restricted.

My Concerns : Robinhood has not communicated a clear reason for restricting my account.

I did not receive any warnings or violation notices before this action was taken.

When I contacted Robinhood support to ask for clarification, they did not provide a meaningful explanation or guidance on how to resolve the issue. Their responses were vague and unhelpful. 
This restriction has prevented me from accessing or managing my assets in a transparent way. I am concerned about the security and timely transfer of my funds. 
Impact on Me : I am unable to use my brokerage account as intended. 
I have been left uncertain about the status of my funds, securities, and potential tax implications.

The lack of transparency and communication from Robinhood has caused financial and emotional stress.

What I Am Requesting : I am asking the CFPB to investigate Robinhoods decision to restrict my account without adequate explanation. Specifically, I request that Robinhood : Provide a clear and detailed explanation for why my account was restricted.

Allow me to transfer or liquidate my assets in a timely and fair manner.

Ensure that other consumers are given proper communication and due process before account restrictions or closures are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must only reflect information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-09 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: NJ

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the XXXX XXXX account reported on my TransUnion credit report ( Account Number ending in XXXX ). I request immediate investigation, blocking, and permanent removal of this account under the Fair Credit Reporting Act ( FCRA ) sections 605B and 1681i due to multiple material inaccuracies. 
The issues with the XXXX XXXX tradeline include : Inconsistent reporting of date opened : TransUnion reports XX/XX/XXXX, whereas Equifax and Experian show XX/XX/XXXX. 
Incorrect date last activity and date reported discrepancies across bureaus. TransUnion records XX/XX/XXXX for both, but Equifax reports XX/XX/XXXX, which is outdated and conflicts with TransUnions data. 
The account is marked open with a balance of {$14000.00} and monthly payments of {$480.00}, yet the last payment date is recorded as XX/XX/XXXX, inconsistent with the last activity date. 
Differing payment status reports : TransUnion marks payment as late 60 days but the dispute status is account not disputed on TransUnion, contradictory to Equifaxs account disputed status.

Disputes and remarks indicate conflicting information about whether the account is verified or disputed, which violates the FCRAs requirement for accurate and clear reporting. Under FCRA 605B, because my credit report includes an active fraud alert and I have reason to believe this account is inaccurate or fraudulent, you are required to block and remove this information.

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

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the XXXX XXXX account reported on my TransUnion credit report ( Account Number ending in XXXX ). I request immediate investigation, blocking, and permanent removal of this account under the Fair Credit Reporting Act ( FCRA ) sections 605B and 1681i due to multiple material inaccuracies. 
The issues with the XXXX XXXX tradeline include : Inconsistent reporting of date opened : TransUnion reports XX/XX/XXXX, whereas Equifax and Experian show XX/XX/XXXX. 
Incorrect date last activity and date reported discrepancies across bureaus. TransUnion records XX/XX/XXXX for both, but Equifax reports XX/XX/XXXX, which is outdated and conflicts with TransUnions data. 
The account is marked open with a balance of {$14000.00} and monthly payments of {$480.00}, yet the last payment date is recorded as XX/XX/XXXX, inconsistent with the last activity date. 
Differing payment status reports : TransUnion marks payment as late 60 days but the dispute status is account not disputed on TransUnion, contradictory to Equifaxs account disputed status.

Disputes and remarks indicate conflicting information about whether the account is verified or disputed, which violates the FCRAs requirement for accurate and clear reporting. Under FCRA 605B, because my credit report includes an active fraud alert and I have reason to believe this account is inaccurate or fraudulent, you are required to block and remove this 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 2025-09-09 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation