vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there are fraudulent accounts on it. Please remove them as I am in processing of purchasing a home and need to obtain credit.

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 2025-04-18 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: FL

Complaint narrative:
Account Summary XXXX * * ( Charge Account ) * * Type : XXXX  ( Charge account ) Opened : XX/XX/XXXX Status : Derogatory Balance : {$0.00} High Credit : {$320.00} XXXX XXXX : {$150.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ) Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss

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 2025-04-18 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:
A while back I noticed that there were so many things on my credit that I do not recognize and I have no idea where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to get this information removed immediately. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, nor who they spoke with at these companies and the information is still on my 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Under FCRA laws, I am disputing the reporting of two bankruptcies on my credit reports. The credit report reports that information has been verified through the Federal Bankruptcy Court. As per my conversation with the Bankruptcy Court to verify such false reports. The Federal Bankruptcy Court Of Nevada does NOT report any such credit or account or bankruptcy information to credit bureaus. For this reason of falsifying the verification of bankruptcy information, I request the bankruptcies being reported are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These 2 bankruptcies are being reported on all 3 major bureaus, XXXX XXXX XXXX and Transunion . 

Again because they ( the bankruptcies ) must be verified through the original source which in this case is Nevada Bankruptcy Court and the bankrupty court confirmed with me per phone conversation in XXXX 2025 that they do not, please remove information as per FCRA laws. A dispute letter has been sent to all 3 major bureaus and to XXXX XXXX with the same request and information concerning protocal and procedure of verifying and reporting bankruptcy information. A XXXX complaint has also been 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Under FCRA laws, I am disputing the reporting of two bankruptcies on my credit reports. The credit report reports that information has been verified through the Federal Bankruptcy Court. As per my conversation with the Bankruptcy Court to verify such false reports. The Federal Bankruptcy Court Of Nevada does NOT report any such credit or account or bankruptcy information to credit bureaus. For this reason of falsifying the verification of bankruptcy information, I request the bankruptcies being reported are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These 2 bankruptcies are being reported on all 3 major bureaus, XXXX XXXX Equifax and XXXX XXXX 

Again because they ( the bankruptcies ) must be verified through the original source which in this case is Nevada Bankruptcy Court and the bankrupty court confirmed with me per phone conversation in XXXX 2025 that they do not, please remove information as per FCRA laws. A dispute letter has been sent to all XXXX major bureaus and to XXXX XXXX with the same request and information concerning protocal and procedure of verifying and reporting bankruptcy information. A XXXX complaint has also been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to initiate a single deposit of {$1600.00} from my bank account into my Robinhood account. After submitting the deposit request, the Robinhood app displayed an error message, making it appear as though the transaction had failed. I then retried the deposit, assuming the original attempt had not gone through. 

Later, I discovered that both deposit requests were processed, resulting in XXXX separate {$1600.00} withdrawals from my bank account on the same day. Robinhood support later confirmed that both deposits were marked as completed. 

I believe this occurred due to a backend failure on Robinhoods part, where the original deposit was processed but not properly acknowledged to the client, leading to an unintentional duplicate transaction. This is a textbook example of a system failing to handle idempotent requests in a financial context. 

To retrieve the duplicated funds, Robinhood offered XXXX options : Wait XXXX business days for a standard transfer, or Pay a {$29.00} instant transfer fee to access the funds immediately. 

This effectively forced me to choose between waiting nearly a week for funds withdrawn due to a system error, or paying a fee to resolve a mistake I did not cause. I find it unacceptable that a consumer-facing platform can cause a duplicate ACH withdrawal due to poor error handling and then charge users to fix the resulting problem. 

I reached out to Robinhoods chat support and have been told to expect a resolution soon. 

Even if this was ultimately resolved, I am submitting this complaint to raise awareness of a broader issue that may affect other users. This situation highlights a backend failure in transaction handling and user interface design, potentially leading to unauthorized duplicate transactions and unfair fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
These mistakes on my report have messed with a lot in my life. Ive done everything I can to stay financially responsible, and seeing all that effort dragged down by outdated or flat-out wrong info is really upsetting. Ive been turned down for things I should have qualified for, and its taken a serious hit on my confidence.

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 2025-04-18 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: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
No live agent, no way to talk to real people about what is going on. Only virtual agent and never resolved any problems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am writing to formally dispute the continued reporting of I am writing to formally dispute the continued reporting of inaccurate information on my credit report. Despite prior disputes and supporting documentation, it appears Equifax is now engaging in stall tactics rather than conducting a meaningful investigation. 

Your recent response fails to address the substance of my original dispute and instead appears to be a generic and baseless rejection. This delay is unacceptable and may violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires you to conduct a reasonable and timely investigation of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding Midland Credit Management , Inc. concerning their attempt to collect on an alleged debt associated with XXXX XXXX XXXX XXXX XXXX account XXXX ). This account is governed by a binding arbitration agreement, clearly stated in the original terms from XXXX XXXX XXXX XXXX. No arbitration has been initiated, making their collection efforts a material breach of that contract. acknowledged by all parties involved. 

Because of this breach, I assert that you have no legal right to continue collection efforts on this debt. I hereby demand that you cease and desist all collection communications immediately, pursuant to 15 U.S.C. 1692c. 

On XXXX XXXX 2025, I received a letter from Midland Credit Management containing threats of forwarding my account to an attorney for possible litigation. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 5 ) and ( 10 ), as they are threatening legal action they are not legally permitted to take without first initiating arbitration. 

Further, their communication implies urgency and a deadline to pay to avoid escalation, which constitutes harassment and misleading communication, also in violation of the FDCPA. No proper debt validation was provided, and I have received no information demonstrating they have the right to collect or sue on this account. 

Additionally, the precedent set in XXXX v. XXXX XXXX, XXXX ( XXXX XXXX XXXX ) affirms that reporting a debt to credit bureaus is a communication under the FDCPA. Any such reporting without proper validation is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately.

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 2025-04-18 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:
XX/XX/year> Disputes provided to Experian, Equifax, and Transuion for the second time. Experian replied on XX/XX/year> stating that my disputes were invalid and that the information still stands. They did not provide documentation stating that I agreed to any of the accounts mentioned. I do not have knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
XX/XX/year> Disputes provided to Experian, Equifax, and Transuion for the second time. Experian replied on XX/XX/year> stating that my disputes were invalid and that the information still stands. They did not provide documentation stating that I agreed to any of the accounts mentioned. I do not have knowledge of them.

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 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. The fraudulent inquiry I have found : XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am urgently filing this complaint regarding the false reporting of multiple late payments by Equifax. These entries are entirely inaccurateeach of the listed payments was made on time. Despite this, they remain on my credit report and continue to damage my credit score. This misinformation must be corrected immediately, as it is unjustly affecting my financial standing and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report under the law as they are identify theft. I have included my Driver license with my correct address as well as my ssn card and the identity theft report and my passport. 


Fraudulent accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent addresses 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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