vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
I am filing this complaint against Equifax, Experian, TransUnion, XXXX, and the Bankruptcy Court responsible for furnishing inaccurate public record data.

I was the victim of identity theft, which resulted in the unauthorized opening of a XXXX XXXX  credit account and a XXXX XXXX credit card XXXX both of which now appear as derogatory accounts on my credit reports. I have already submitted an FTC Identity Theft Report, and I never authorized these accounts, nor did I receive goods or services from either creditor. 

In addition, my credit reports are also showing a bankruptcy public record, which I never filed. I have no record of any bankruptcy case filed under my name. This appears to be a serious case of either identity misuse or a data furnishing error by XXXX or the Bankruptcy Court, which is being reported to the credit bureaus and harming my credit. 

I have disputed all three issues with the credit reporting agencies, and submitted my FTC Identity Theft Report as required by 15 U.S.C. 1681g and 1681i. However, they have failed to correct or delete the fraudulent and inaccurate entries in a timely manner. 

The credit bureaus and XXXX are in violation of the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 Consumer Financial Protection Act 12 U.S.C. 5531 FTC Act 15 U.S.C. 45 ( a ), prohibiting unfair or deceptive practices I demand that the CFPB : 1. Investigate all five companies listed above for failure to reasonably investigate and correct inaccurate and fraudulent data.

2. Order the permanent deletion of the XXXX and XXXX XXXX accounts from all three credit reports.

3. Order the immediate removal of the false bankruptcy record from XXXX, Equifax, Experian, and TransUnion. 
4. Enforce compliance with the FCRA and CPFA regarding consumer disputes and identity theft protections.

I am submitting my FTC Identity Theft Report, and dispute correspondence as supporting 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 2025-08-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-19 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:
1. Re-aging " Date Last Active '' is XXXX despite no payment since XXXX 2. Excessive CO Reporting Shows CO for 24+ months on a 2-month loan 3. Single Bureau Reporting Only Experian reports it not verified by other bureaus 4. Prior dispute unresolved Vague resolved by data furnisher comment 5. Missing account info No limit, terms, or reporting from other bureaus

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 2025-08-19 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:
1. Re-aging " Date Last Active '' is XXXX despite no payment since XXXX 2. Excessive CO Reporting Shows CO for 24+ months on a 2-month loan 3. Single Bureau Reporting Only Experian reports it not verified by other bureaus 4. Prior dispute unresolved Vague resolved by data furnisher comment 5. Missing account info No limit, terms, or reporting from other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am filing this complaint due to multiple violations of consumer privacy, data misuse, and improper disclosures by the XXXX XXXX  XXXX, XXXX XXXX XXXX, and SageStream/OptumInsight. 

1. XXXX XXXX  Involvement : My private financial records and personally identifiable information were accessed and used without my knowledge or consent from the XXXX XXXX  XXXX PACER system. These records were then unlawfully distributed or relied upon by third-party agencies, violating my rights under the Privacy Act of 1974 and potentially the E-Government Act. I never authorized any release or publication of my PACER data to commercial vendors, especially for use in credit or background reporting. 

XXXX. XXXX XXXX XXXX : XXXX obtained and reported information about my bankruptcy case in violation of FCRA 604 ( 15 U.S.C. 1681b ), without a permissible purpose and without providing any adverse action notice. They also shared inaccurate and outdated public record data with third parties. I have never received a copy of my full XXXX file, despite multiple requests, which violates FCRA 609. 

XXXX. XXXX / XXXX : This consumer reporting agency maintained and distributed information about meapparently obtained from XXXX and/or XXXX is either inaccurate or unverifiable. I was not notified of their role in credit decisions affecting me and did not consent to any such sharing. I only discovered their involvement after a recent inquiry into hidden consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by Jefferson Cap on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an account with XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, the balance in question has since been paid, and I was advised that the account would be removed from my credit report. Its continued presence is both inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AL

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
For 3 months trying to a Access. 
My account. I follow all the instructions. For changing password to get to the account. And it locks up. Try, opening a second account. And says Account. already exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I had bitcoin sent to my Venmo wallet. I sold it off expecting to receive my funds like promised and they put a five day hold on the sale of my funds. I did not purchase those funds on Venmo. I had those funds sent to Venmo. They were never there fundsto keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX called me this morning and stated that they would not be contacting the credit bureau Equifax to report the account is paid in full with a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
This is a formal complaint against the credit reporting agency for reporting unauthorized and/or inaccurate hard inquiries on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b ( permissible purpose ) and 1681i ( dispute investigation obligations ). I have not granted authorization for several of the inquiries currently appearing on my report, and no permissible purpose exists for those entities to have accessed my file. The agency has allowed these inquiries to be reported without verifying consent or purpose, and has failed to conduct a proper reinvestigation upon my formal dispute, thereby violating its statutory obligations to ensure accuracy and integrity in consumer reporting. The continued presence of these false and unverified inquiries has harmed my credit profile, limited my access to credit, and exposed me to financial discrimination. The agencys inaction and refusal to uphold its legal responsibilities have left me no choice but to escalate this matter through regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
They said it doesnt matter if I disputed it through them showing that I have proof it wasnt me that made the account. My step sister used my information for the XXXX flags account. It is her picture and her birth year on the account, it is not me they have to go see that its a picture of her. They said it might still be on my account unless I pay it, and in time, they also said it still might go on my credit. I just want them to make sure they investigate because she used my real info to get this. I dont want it on my credit .. dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 2025-08-19 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: GA

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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I was recently trying to purchase a home in XXXX and car in XXXX, and these accounts are on my credit report that I have no knowledge of I have filed disputes with the credit bureaus for the past 3 months now and they have not provided me with sufficient evidence of why this is still reporting on my credit report. Their letter states that they are not required to reinvestigate any accounts that they have previously investigated. Now I am in a bind because I feel like I am pressed for time because I really want to buy a house and a car, and I am not able to do so. According to the 15USC 1681 law, if the bureaus continue to report these inaccurate accounts on my file it is a defamation of character. 

Accounts reporting that are not mine : Upstart network acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acct # XXXX, XXXX Secured acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MS

Complaint narrative:
The company misrepresented the terms of my payments and options horribly. All the representatives can help me with is making a payment, and nothing else. I paid a deposit of {$7500.00} on a vehicle that was advertised at {$10000.00}. The saleswoman informed me that no matter the payoff date on my paperwork, the amount due on my loan would be paid off once I pay off the remaining balance. I was under the impression that the balance financed was {$3000.00} plus 24.49 % interest added to that amount, which is a total of {$3700.00}. As I recently viewed my payout amount, it showed a balance of {$4700.00}. Which doesn't seem accurate to me. I assumed that the extra fees was for the payment extensions that I received that I was behind on due to car repairs that was done on the vehicle through the years that included ; tires, battery, transmission rebuild, heads replaced on my motor, ignition coil, spark plug and wires, upper control arms, lower ball joints, sway bar links, tie end rods, head lights and lenses, rear air shocks, door handles, 2 suspension ride height sensors, vehicle diagnostics, front end alignment, and many regular oil/filter changes. I had most of the work done after a repossession happened, and my vehicle started jerking and pulling to one side. I have invested more than what this vehicle is worth, and I want a review of my account to assist me in figuring out my options. The process was rushed, the salesperson just talked around my questions and told me to sign where she pointed, and that everything would be set once I purchased my insurance. Anytime I called the site to ask questions, or report a problem, they would tell me to bring the vehicle one day, then when I arrived would tell me that they are booked and I would have to leave my vehicle. They pretended to fix my trunk. The last time I called, they told me that the saleswoman no longer worked there and I should contact my lender. When I contacted the lender, they could only tell me the terms of my contract and take payments. Leaving me with no options because I need a vehicle, and I could have purchased two vehicles with all the fees I have overpaid with this company.

Company response to consumer: Closed with explanation