vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX failed to acknowledge, investigate, and/or respond to a credit reporting dispute I submitted directly through their secure messaging system. I followed the exact steps at given by a XXXX XXXX representative and never received a response. At XXXX point, XXXX XXXX messaged me apologizing for not responding. They deleted the first dispute request that was sent in months ago, and after months, they finally responded to the second direct request telling me to send the dispute In writing after being previously told I could submit the request digitally. I also acknowledge XXXX XXXX response to my previous CFPB report ; however, the credit reporting on this account is still inaccurate and misleading. The status on this account is currently being reported as a Repossession. The comments state Paid Repossession, which would suggest payment was made after a permanent loss of the vehicle. This is not the case or an accurate reflection of the account history. I paid the full reinstatement amount and redeemed the vehicle. At that point, the repossession was reversed, and the account was reinstated. I paid the loan in full, closing the account. XXXX XXXX agrees to this information, however, they refuse to change the way my credit is being reported to the bureaus, refuse to assist, or even speak to me regarding my account. They continuously refer me to Equifax and XXXX, who then refer me back to XXXX XXXX. By law under the Fair Credit Reporting Act ( FCRA 623 ), furnishers must report information that is not only accurate but also complete and not misleading. Reporting this account as a repossession, even with paid noted, omits the fact that the vehicle was reinstated and paid in full, and therefore misrepresents the final status of the account. I am requesting that XXXX XXXX update the credit reporting to reflect the accurate sequence of events : Reinstated, then Paid in Full/Closed. This would ensure the record is both accurate and not misleading to potential creditors. I ask that the CFPB continue to review this matter to ensure the information reported to the credit bureaus is corrected accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX failed to acknowledge, investigate, and/or respond to a credit reporting dispute I submitted directly through their secure messaging system. I followed the exact steps at given by a XXXX XXXX representative and never received a response. At XXXX point, XXXX XXXX messaged me apologizing for not responding. They deleted the first dispute request that was sent in months ago, and after months, they finally responded to the second direct request telling me to send the dispute In writing after being previously told I could submit the request digitally. I also acknowledge XXXX XXXX response to my previous CFPB report ; however, the credit reporting on this account is still inaccurate and misleading. The status on this account is currently being reported as a Repossession. The comments state Paid Repossession, which would suggest payment was made after a permanent loss of the vehicle. This is not the case or an accurate reflection of the account history. I paid the full reinstatement amount and redeemed the vehicle. At that point, the repossession was reversed, and the account was reinstated. I paid the loan in full, closing the account. XXXX XXXX agrees to this information, however, they refuse to change the way my credit is being reported to the bureaus, refuse to assist, or even speak to me regarding my account. They continuously refer me to XXXX  and TransUnion, who then refer me back to XXXX XXXX. By law under the Fair Credit Reporting Act ( FCRA 623 ), furnishers must report information that is not only accurate but also complete and not misleading. Reporting this account as a repossession, even with paid noted, omits the fact that the vehicle was reinstated and paid in full, and therefore misrepresents the final status of the account. I am requesting that XXXX XXXX update the credit reporting to reflect the accurate sequence of events : Reinstated, then Paid in Full/Closed. This would ensure the record is both accurate and not misleading to potential creditors. I ask that the CFPB continue to review this matter to ensure the information reported to the credit bureaus is corrected accordingly.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove inaccurate information from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove inaccurate information from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove inaccurate information from my credit report. 
XXXX. This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please delete at once XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I was never late on this account. Please remove inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Please delete at once Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity Trafficking documentation

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 2025-08-22 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am the victim of identity theft, confirmed through the Equifax data breach. Under the Fair Credit Reporting Act ( FCRA ) 602A, 604, 611, and 623, I am demanding the immediate deletion of fraudulent, unverifiable, and inaccurate items listed below. 

These accounts do not belong to me, or contain unverifiable information, and therefore must be permanently deleted. 


-- - Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Reported Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$330.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$230.00} -- - Unless you can provide complete documentation validating each of these accounts within XXXX days, you are required by law to delete them. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Please send me written confirmation once these items have been permanently removed. 

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 non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
To Whom It May Concern, I am the victim of identity theft, confirmed through the Equifax data breach. Under the Fair Credit Reporting Act ( FCRA ) 602A, 604, 611, and 623, I am demanding the immediate deletion of fraudulent, unverifiable, and inaccurate items listed below. 

These accounts do not belong to me, or contain unverifiable information, and therefore must be permanently deleted. 


-- - Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Reported Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$330.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Reported Balance : {$230.00} -- - Unless you can provide complete documentation validating each of these accounts within XXXX days, you are required by law to delete them. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Please send me written confirmation once these items have been permanently removed. 

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
On XX/XX/year> tried to withdraw some money from my individual account to my checking account with Robinhood. The transfer did not go through, so I tried to send money to my debit card. That transfer did not go through either. So I tried again with a smaller amount maybe 2 or 3 times. Then I received a notification that my account is restricted. I requested a call the next day from Robinhood support. They called me back in XXXX hours only to tell me that my account is under review, even after I confirmed my identity over the phone. And did not provide me any details what the problem was and why I have that restriction on myaccount. I sent them my bank staments for both accounts that are connected to my Robinhood account the next day, XX/XX/year>. The associate told me that reveiw will take only 24-48 hours, but today ( XX/XX/year> ) It is still under review, even though yesterday I had to request a call again, and they sent me a link to upload my selfie and drivers license. Today I received an email requesting the same bank statements and copy of my DL with a selfie. I sent them email asking why I have to resubmit all these again, they sent me a reply that the case is closed, if I have an issue I need to contact support through the app. I do not recommend having any account with Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXXXXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-08-22 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: PA

Complaint narrative:
Subject : Formal Dispute of Late Payment Reporting Demand for Correction Account : XXXX To Whom It May Concern, I am filing a dispute under 15 U.S.C. 1681i and demanding correction of false late payment reporting on my XXXX XXXX account. 

Facts of the Case : In XX/XX/year>, XXXX XXXX reported a late payment, even though the balance was paid in full before the due date and before the statement date. 
Prior late payment notations are also factually inaccurate, as my payment records prove timely payment. 

Violations by XXXX XXXX : Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Furnishers may not report information they know or should know is inaccurate.

Failure to Update & Correct ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) ) : You must update accounts and delete prior incorrect information once notified of inaccuracy.

Defamation & Negligence ( FCRA 1681n & 1681o ) : By knowingly publishing false payment history, you are causing credit harm, reputational damage, and financial 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I object to the inclusion of items reflecting accounts created without my authorization. Please complete a thorough examination and expunge them. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Account # XXXX XXXX XXXX Reported as closed with {$960.00} past due balance as of XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Reported as written off in XX/XX/XXXX with {$1100.00} balance.- XXXX XXXX Account # XXXX XXXX XXXX Reported as charged off with {$5600.00} balance, {$870.00} past due as of XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX open with {$900.00} past due as of XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Reported XXXX XXXX XXXX with {$6300.00} written off and {$5400.00} past due.

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