vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 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 2025-08-08 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-08 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:
Ive noticed that the inaccurate accounts are still appearing on my credit report, and unfortunately, they have not been removed. Im requesting that the documents Ive provided be carefully reviewed so I can finally have peace of mind regarding this matter.

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 2025-08-08 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: LA

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a follow up complaint .I appreciate your efforts in removing a portion of the fraudulent information from my credit file ; however, several items remain unresolved and must be addressed promptly.As stated under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block identity theft-related information no later than four ( 4 ) business days after receiving a valid identity theft report. I previously submitted this report with my initial dispute, and for your reference, I am enclosing it again with this letter.

The following accounts and inquiries remain on my credit report and are inaccurate, unknown to me, or have already been removed by other credit bureaus, raising serious doubts about their validity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am formally filing a complaint with PENNYMAC data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy.

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account In Dispute : XXXX  Account Number : XXXX Reported Balance : {$0.00} Account In Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Additionally, I request the removal of all unauthorized inquiries related to this 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 2025-08-08 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:
On XX/XX/scrub> 2025, I reviewed my Experian credit report and identified two unauthorized hard inquiries : 1. XXXX XXXXk XX/XX/scrub> 2025 2. XXXX XXXX XXXX, XXXX. XX/XX/year>2025 I did NOT apply for credit or authorize either of these institutions to access my credit report. These inquiries lack any permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

I previously disputed these inquiries directly with Experian and requested that they either delete them or provide signed credit applications or written authorization. Experian has failed to remove the inquiries and has not provided any proof of my authorization. 

This constitutes violations of : - FCRA 604 ( a ) No permissible purpose - FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation - FCRA 607 ( b ) Failure to ensure maximum possible accuracy Requested Resolution : 1. Permanently delete the XXXX XXXX  and XXXX XXXX XXXX, XXXX. inquiries from my Experian credit file. 
2. Provide written confirmation of the deletions.

3. Provide copies of any documentation Experian claims authorized these inquiries.

Supporting Documents Attached : - Screenshot of Experian credit report showing XXXX XXXX  and XXXX XXXX XXXX, XXXX. inquiries. 
- Copy of dispute letter sent to Experian.

- Any prior dispute confirmation or response from Experian.

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 2025-08-08 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Bankruptcy Reporting on Credit Report by Equifax XXXX XXXX Account since XX/XX/year> To Whom It May Concern, I am writing to formally dispute inaccurate information reported by Equifax on my credit report. Despite the bankruptcy associated with my XXXX XXXX account having been deleted/removed on XX/XX/year>2025, Equifax continues to report it as active or present on my credit report. 

This inaccurate reporting is causing significant damage to my creditworthiness and does not reflect my current financial standing. I have already contacted Equifax to correct this error ; however, the issue remains unresolved. 

Please investigate this matter and take appropriate action to ensure that Equifax updates my credit report promptly to reflect the deletion of the bankruptcy related to my XXXX XXXX account. 

For your reference, my details are as follows : Bankruptcy deletion date XX/XX/year>2025 Equifax Report Date : XX/XX/year>2025 Enclosed are copies of any relevant documents supporting my claim, including proof of the bankruptcy deletion. 

Thank you for your attention to this urgent matter. I look forward to your prompt response confirming the investigation and correction of this inaccurate reporting. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX XXXX BALANCED {$0.00}

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 2025-08-08 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: TX

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquiryXXXXXXXX XXXXXXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-08 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: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account that I did not authorize or open is being reported on my credit profile. I have no connection to the reporting entity, and this false information is damaging 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I deposited approximately {$45000.00} from my personal bank account into my Robinhood account with the intention of purchasing Bitcoin. After depositing the funds, I realized Robinhoods transfer limits would not allow me to send or transfer more than {$5000.00} in crypto out of the account. Because of this limitation, I initiated two withdrawals of {$5000.00} each back to my bank account on XX/XX/XXXX and XX/XX/year>2025, to correct the mistake.

Shortly after these transactions, Robinhood restricted my account and requested my bank statement, a government-issued ID, and a selfie for verification. I promptly provided all requested documents in full. Despite complying with their requests and having been a long-time customer, I was notified that my account would be closed without a clear explanation of the specific reason for this decision.

I am requesting that Robinhood either : 1. Immediately return my full remaining balance to my bank account, or 2. Reconsider the closure and reinstate my account.

The lack of transparency, sudden restriction, and withholding of my funds without clear justification is unacceptable. I am seeking CFPB assistance to resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
on XX/XX/year> I spoke to a gentleman named XXXX with a company called credit acceptance about a debt I have with them they had gave me a settlement of XX/XX/year> after I had voluntary relinquished now XXXX had looked through the records and showed that I had made every payment to pay off this account but he said he would close the account and the account is still open I even spoke to someone else before and they said the account will be closed I forgot that person 's name though

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 2025-08-08 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: MA

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-08 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: CL Holdings LLC
State: CA

Complaint narrative:
I disputed a collections account with Jefferson Capital through XXXX. I requested debt validation under FDCPA 1692g, but received no documentationXXXX XXXX marked it as " verified '' without Jefferson providing any proof of ownership, contract, or balance details. This violates FCRA 1681s-2 ( b ). This same account was removed from my spouses report, indicating reporting inconsistencies. Under California Civil Code 1785.25, they are furnishing unverified and potentially inaccurate information. I want this account deleted immediately and written confirmation provided.

Company response to consumer: Closed with explanation