vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/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 2025-05-03 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:
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XX/XX/XXXX Dispute and Request for Deletion of Inaccurate & Unauthorized Account Reporting Under FCRA and 15 U.S. Code Dear [ Credit Bureau Name / Creditor ], This is a formal dispute of the following account reporting on my credit report : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$610.00} Credit Limit XXXX {$300.00} Status : 90-120+ Days Late, Past Due {$230.00} I am asserting my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681, including but not limited to : Violations Cited : 15 U.S. Code 1681e ( b ) Failure to report information with maximum possible accuracy. 
The reporting history is inconsistent and inaccurate across all three credit bureaus ( TransUnion, Equifax, Experian ), including conflicting late payment counts and payment history. 


15 U.S. Code 1681i ( 5 ) Failure to correct or delete inaccurate, incomplete, or unverifiable information.

The bureaus have continued reporting without validating the accuracy or origin of this account.

15 U.S. Code 1681c-2 Failure to block information allegedly resulting from identity theft. 
I am identifying this account as potentially fraudulent and unauthorized, and you are legally required to block the reporting of this item within 4 business days upon receipt of this notice.

15 U.S. Code 1681 602 ( A ) My right to privacy as a consumer has been violated by furnishing information to third parties without authorization. 


15 U.S. Code 1681 604 ( a ) ( 2 ) A consumer reporting agency may not furnish information in a consumer report without written instructions from the consumer. No such written permission was ever granted. 



Immediately DELETE this account from my credit file across all bureaus. 


Provide the original signed agreement and terms & conditions bearing my wet signature to verify that I consented to this account and reporting.

If you can not provide such documentation or verify this account 's full compliance with FCRA and 15 U.S. Code, you are required to remove this item within 4 business days per 15 U.S. Code 1681c-2.

If this account is not deleted or corrected within the required timeframe, I will pursue further legal action. Under the Fair Credit Reporting Act, you may be held liable for {$1000.00} per violation, per account, for your non-compliance and continued damage to my credit reputation.

I expect written confirmation within 15 calendar days of your receipt of this letter and deletion within 4 business days as mandated by law. I look forward to your prompt compliance.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-03 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: NV

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX * Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00}

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 2025-05-03 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: TX

Complaint narrative:
Subject : FINAL NOTICE Willful Noncompliance Under FCRA 616 Immediate Deletion Demanded ( XXXX & XXXXXXXX XXXX ) This letter serves as a final and legally binding dispute concerning XXXX accounts being inaccurately reported on my Equifax credit file by the following entities : XXXX. XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Open Collection / 120 Days Late Dispute Status : Reinvestigation in Progress Not reported by : XXXX  or XXXX  XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Open Collection / 120 Days Late Dispute Status : Disputed after resolution Not reported by : XXXX  or XXXX  Despite having submitted previous disputes, Equifax has failed to verify these accounts or provide any legally sufficient documentation ( contract, proof of assignment, billing history, or signed authorization ). These accounts remain unvalidated and isolated, reported only by Equifax a clear red flag of inaccurate data handling. 

I have also submitted a complaint to the Federal Trade Commission ( FTC ) due to these repeated violations of my rights. 

Your continued failure to delete or correct this unverifiable information after multiple formal disputes now constitutes willful noncompliance under FCRA 616.

Maintaining inaccurate or unverified information after formal notification may constitute willful noncompliance under FCRA 616 and exposes your institution to legal liability for punitive damages.

FINAL DEMAND : If both accounts listed above are not deleted from my Equifax credit file within five ( 5 ) calendar days, I will immediately take the following actions : Notify my states Attorney Generals Office Initiate legal action against Equifax under FCRA 616 and 617 for punitive and actual damages, including attorneys fees This is your final notice. I demand written confirmation of deletion without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Subject : Formal Complaint for Reinsertion Violation Under the FCRA XXXX XXXX XXXX ( Equifax ) Dear CFPB Representatives, I am submitting this formal complaint against Equifax for repeated and unlawful reinsertion of a previously deleted account, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Original Report Date of Removal : XX/XX/year> ( confirmed by Equifax dispute response ) Date of Reinsertion : XX/XX/year> ( per XXXX XXXX report ) Reported Balance : {$13000.00} Status : Closed 100 % balance remaining Background : On XX/XX/year>, Equifax issued a formal letter stating that the XXXX XXXX XXXX account had been deleted from my credit file as a result of a successful dispute. I have attached a copy of this official dispute resolution from Equifax as proof. 

However, despite this deletion, the same account was reinserted into my Equifax report and is now showing as active and closed with the full balance dueas reflected in my XXXX XXXX update dated XX/XX/year>. This means the reinsertion occurred before the official deletion date, which raises major concerns about the integrity of Equifaxs reporting and investigation process. 

Violations of the FCRA : 611 ( a ) ( 5 ) ( B ) Reinsertion Without Certification : Equifax failed to obtain a valid certification from the furnisher before reinserting the previously deleted XXXX XXXX XXXX account. This is a direct violation of federal law, as no supporting documentation has been provided. 

XXXX ( d ) Failure to Notify Consumer of Reinsertion : I was not notified within XXXX business days of this reinsertion, as required by law. This denied me the opportunity to review and challenge the reinsertion in a timely manner. 

XXXX ( a ) ( XXXX ) Failure to Update Inaccurate Information : The account remains inaccurate, showing 100 % of the balance due despite being closed, and no payment history is being reported. Equifax failed to ensure the data is corrected before publishing it again. 

XXXX ( b ) Maximum Possible Accuracy : By reinserting disputed and unverified information, Equifax failed to maintain procedures ensuring the maximum possible accuracy of the information included in consumer reports. 

Damages Suffered : This reinsertion has : Lowered my credit score Caused confusion with lenders Increased emotional distress Jeopardized my ability to obtain financing for essential needs This behavior is not only XXXX is unlawful, repetitive, and constitutes willful noncompliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management created and reported a fraudulent debt using my personal information and Social Security number, violating the FCRA ( 15 U.S.C. XXXX ( a ), XXXX ( b ) ) and FDCPA ( 15 U.S.C. XXXX ( XXXX ) ( A ), XXXX ( XXXX ) ). The alleged debt was previously charged off by the original creditor and is no longer legally enforceable under Internal Revenue Code XXXX, Treasury Regulation XXXX, XXXX ( g ), and XXXX, and banking regulations ( OCCs Comptrollers Handbook ). Their actions also violate Georgias Fair Business Practices Act ( XXXX. XXXX ) and Credit Reporting Law ( XXXX. XXXX ). I request immediate removal of the false account, cessation of all collection activities, and a letter confirming no future collection attempts related to this or any invalid debts tied to my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-03 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
I am writing to formally request the deletion of three charge-off accounts currently reported on my credit file with your bureau. These same accounts were disputed with XXXX, a national consumer reporting agency, and after a completed investigation, all three accounts were deleted from my XXXX credit report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain only accurate and verifiable information. Since XXXX, after conducting a reinvestigation, determined these accounts to be unverifiable and removed them, it calls into question the legitimacy and accuracy of the accounts still appearing on your report. 

Under FCRA Section 611 ( 15 U.S. Code 1681i ), you are required to reinvestigate any disputed information and delete or correct any information found to be inaccurate or unverifiable within 30 days of receiving notice of the dispute. I am hereby formally requesting that you conduct a reinvestigation of these accounts and provide verification. If the accounts can not be verified with proper documentation from the original creditor, they must be permanently removed from my credit file. 

If you fail to delete these unverifiable accounts within the required 30-day time frame, you will be in violation of the FCRA. I am aware of my rights under FCRA Section 616 and 617 ( 15 U.S. Code 1681n & 1681o ), which provide consumers with the right to seek damages through legal action against any credit reporting agency that willfully or negligently fails to comply with FCRA requirements. This includes statutory damages, punitive damages, court costs, and attorney fees. 

Please confirm in writing the results of your reinvestigation and send me an updated copy of my credit report upon completion. 

Thank you for your prompt attention to this matter. I trust you will comply with the law and remove the unverifiable information 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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galaxy Capital Acquisitions, LLC
State: NJ

Complaint narrative:
Due to my personal information being compromised in equifax data breach Ive noticed derogatory accounts of debt that I have no knowledge of. This debt and account in question has been already investigated and deleted several times. The results of this debt is proven to not match any of my addresses in which it was obtained. 
Please cease and desist this debt from continuously having a negative impact to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent information from my credit report, as I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXXC and guidance from the Consumer Financial Protection Bureau ( CFPB ). The FTC verifies that I have been a victim of identity theft, and the information reflected on my credit report is not the result of any action taken by me. 

A copy of a government-issued ID A copy of a police report or FTC Identity Theft Report ( if applicable ) A detailed list of the accounts and information I am requesting to be blocked and removed Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquires : XXXX XX/XX/year>2023, XXXX XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Theres hard inquiries on my account that dont belong to me that need to be removed 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After reviewing my credit report, i noticed that there is incorrect info on my report. The following accounts have incorrect information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Accounts The accounts listed have incorrect data associated with the account including incorrect balances and transaction history. Please investigate and correct the incorrect info on these accounts and verify all info per the FCRA. Please provide the means by which the data was verifed and please send an updated report. If the account information can not be verified please delete the account per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report, i noticed that there is incorrect info on my report. The following accounts have incorrect information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Accounts The accounts listed have incorrect data associated with the account including incorrect balances and transaction history. Please investigate and correct the incorrect info on these accounts and verify all info per the FCRA. Please provide the means by which the data was verifed and please send an updated report. If the account information can not be verified please delete the account per 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 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Robinhood Financial LLC regarding its ongoing refusal to release {$3700.00} from my closed brokerage account. The funds have been effectively held XXXX since XX/XX/year>2019, with no resolution despite my repeated efforts and full cooperation. 

Robinhood has stated that it can not verify the legitimacy of the funds in question. I must emphasize that these funds originated from my XXXX account, which was under my name. While it is true that this bank account has been closed for over XXXX years, I provided all requested documentation and information as required by your compliance department to prove the legitimacy and origin of the funds. 

Despite my continued follow-up and complete submission of all requested materials, I have only been met with vague responses and circular communication. This has caused immense frustration and appears to be a clear case of bad faith handling of a customers assets. 

This situation is unacceptable. I am requesting that Robinhood immediately release the {$3700.00} due to me, or provide a definitive explanation grounded in policy or law of why you believe you are entitled to withhold my funds. Failing that, I will be left with no choice but to escalate this matter by filing a formal complaint with the Financial Industry Regulatory Authority ( FINRA ), the Securities and Exchange Commission ( SEC ), and potentially pursue legal action to recover my money. 

Please treat this matter with the urgency and seriousness it deserves. I expect a written response within XXXX business days of receipt of this letter.

Company response to consumer: Closed with explanation