vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX, Complaint # XXXX, Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
The company reports unverified, unvalidated information on my credit report. They have received a previous dispute letter informing them of the unverified, unvalidated information. They continue to report unverified, unvalidated information. To continue to report unverified, unvalidated information is unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
I got sick and almost died due to stress from my credit report making me lose my wife car and everything I would like to be repaid ASAP 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 2025-05-24 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 got sick and almost died due to stress from my credit report making me lose my wife car and everything I would like to be repaid ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BANKRUPTCY COURT XXXX XXXX XXXX ALABAMA ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for reporting an alleged debt of {$2200.00} on my credit report that I do not recognize or owe. I have no contractual obligation with Summit A R, and their reporting of this debt is inaccurate, harmful, and in violation of my consumer rights. Violations Committed by Summit A R : Inaccurate Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Summit A R is reporting a debt that I do not acknowledge or owe, which constitutes false and misleading information. Failure to Remove Disputed Debt : Despite my prior dispute, Summit A R has continued to report this debt, violating my rights under the FCRA. Unfair and Deceptive Collection Practices : Summit A R has engaged in collection efforts that are unfair and damaging to my financial standing, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Failure to Comply with Cease and Desist : Under 15 U.S.C. 1692c ( c ), I have the right to request that Summit A R cease all further communication regarding this alleged debt. I have previously exercised this right, and Summit A R has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a formal identity theft dispute to TransUnion regarding multiple unauthorized hard inquiries that were made without my consent. I did not initiate, authorize, or approve these inquiries. These are the result of identity theft, and the continued presence of these inquiries violates my rights under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c2, TransUnion is required to block identity theft-related information within four business days of receiving : Proof of identity A copy of an identity theft report Identification of the disputed items A signed statement asserting that the information is not related to any transaction I made I provided all of these documents in my formal dispute. Furthermore, by furnishing a consumer report without my authorization, TransUnion has aided this identity fraud in violation of : FCRA 1681b ( c ) prohibiting release of reports without permissible purpose FCRA 1681 ( a ) ( 4 ) failure to safeguard the consumers right to privacy 18 U.S.C. 1028A Aggravated Identity Theft These fraudulent inquiries have negatively impacted my credit file and financial reputation. I formally demanded their immediate deletion and requested a corrected copy of my credit report under 15 U.S.C. 1681j ( d ), which guarantees a free credit file disclosure following a fraud alert or identity theft. 

To date, TransUnion has not resolved the matter or removed the unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request your assistance in resolving a technical issue that is currently preventing access to my Equifax credit score. Each time I attempt to view my report, I receive a XXXX  error code, and my score does not appear. 

Please treat this matter as urgent and kindly update my credit file and restore access to my credit score as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB- XXXX SSN- XXXX. 

Rencently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate - Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) 609 ( 15 U.S.C. 1681g ) Failure to resolve this matter may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I am submitting a complaint about a XXXX XXXX  called Three Sticks Lending. I took out a loan and later discovered they are charging me an annual interest rate of over 693 %, which I believe is illegal in my state and clearly predatory. 

Ive already made five weekly payments of {$130.00}, totaling {$650.00} in just over a month. Here are the payment dates : {$130.00} on XXXX/XXXX/2025 {$130.00} on XXXX/XXXX/2025 {$130.00} on XX/XX/year>2025 {$130.00} on XX/XX/year>2025 {$130.00} on XX/XX/year>2025 This is more than 65 % of the original loan amount in just a few weeks, and yet they expect many more payments to come. I closed my bank account to stop further unauthorized debits and revoked ACH authorization, which they ignored initially. 

I am requesting that the CFPB investigate this lenders practices, which I believe violate fair lending laws. I would like this loan considered void or marked paid in full and demand that all collection activity stop immediately. 

Their contact email is : XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed an inquiry listed that I do not recognize or recall authorizing. 
The details of the inquiries in question are as follows : o Creditor/Institution Name : [ XXXX XXXXXXXX XXXX XXXX Date of Inquiry : [ XXXXXXXX XXXX XXXX XXXX XXXX Creditor/Institution Name : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Type : [ Hard inquiry ] I have thoroughly reviewed my records, and I can confirm that I did not authorize this inquiry. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove this inquiry from my credit report as it does not belong there. 
Please confirm in writing once the inquiry has been removed, or if any additional documentation is needed to support my request. 
I appreciate your prompt attention to this matter. Should you need to contact me for any further information, I can be reached at [ XXXX ] or via email at [ XXXX ]. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I asked when can i expect to receive this money in my account because as of right now the money is frozen and they responded with " were not sure '' and were not able to give me a timeline. I have {$750.00} total that needs to be transfered to my other brokerage and they are not giving me a timeline and are just holding onto my funds I need access to these funds immediately, and they need to be transfered to my other brokerage how I requested. Robinhood is not giving me any timeline and responding extremely vague to anything I bring up to them. I have no choice but to request help. I have {$630.00} in my spending account and {$120.00} in my individual account that needs to be transfered immediately to my other brokerage how I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I am formally asserting that the companies and/or credit unions in question failed to conduct a full and reasonable investigation into the accounts I disputed, as required under the Fair Credit Reporting Act. Despite my request for documentation, I was provided with no original signed contracts, no proof of assignment, and no evidence of my authorization to share or report my personal information. These furnishers verified or updated accounts without properly validating the accuracy or legality of the information. This is a clear violation of my consumer rights, and I am demanding the immediate removal of these accounts and inquiries 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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Date : XX/XX/year> TO : XXXX XXXX XXXX XXXX, MN XXXX Subject : NOTICE OF DISPUTE & DEMAND TO CEASE AND DESIST UNDER 15 U.S.C. 1692c ( c ) & 15 U.S.C. 1681i To Whom It May Concern : This letter serves as formal notice that I am disputing the alleged account referenced below, which you have reported to one or more consumer reporting agencies and/or are attempting to collect. 

Alleged Account Name/Number : CENTRAL PORTFOLIO CONT Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute the completeness and/or accuracy of this account. You are required by law to conduct a reasonable investigation and to remove or correct any inaccurate, incomplete, or unverifiable information. If you can not provide written validation and substantiating documentation of the debt, including the original contract bearing my signature, this account must be deleted from all consumer reports in which it appears. 

In addition, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any further contact with me regarding this matter, except to confirm in writing that you will cease further collection efforts and/or to provide validation of the debt as required by law.

Let this letter serve as a formal dispute and a demand for the following : Immediate cessation of all communication with me about the alleged debt.

Cessation of any reporting or re-reporting of the account to credit bureaus until the dispute is resolved.

A full investigation under 15 U.S.C. 1681i and a written explanation of your findings.

A copy of any and all records you have regarding this account, including the original signed contract and any itemized statements.

Company response to consumer: Closed with explanation