vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. This information has been detrimental to my life and credit health. I have been a victim of credit hacks thru Experian and Equifax along with other agencies and I have tried to dispute thru credit repair companies, but the information keeps coming back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. This information has been detrimental to my life and credit health. I have been a victim of credit hacks thru Experian and Equifax along with other agencies and I have tried to dispute thru credit repair companies, but the information keeps coming back verified.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an official complaint regarding multiple student loan accounts inaccurately reported on my credit file. These accounts continue to cause financial harm despite being outdated, improperly verified, and in potential violation of federal consumer protection laws. 

Disputed Student Loans : XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$1600.00} Reported on TransUnion as of XX/XX/XXXX, these accounts are being furnished by Aidvantage/Department of Education ( DOE ) .

Grounds for Dispute & Legal Violations : 1. Statute of Limitations Violation Under FCRA 1681c ( a ) ( 4 ), negative student loan accounts should not remain on credit reports beyond 7 years from the date of default. These accounts exceed this limit and should be deleted.

2. Failure to Validate Debt Ownership ( FDCPA 1692g ( b ) ) I demand XXXX furnish the original promissory notes, full ledger of payment history, and proof of debt ownership. No such documentation has been provided, violating the FDCPA and FCRA 1681s-2 ( a ).

3. Proof of Legal Authority & Chain of Custody Under 15 U.S.C. 1692e ( 2 ) ( A ), I request documented proof of XXXX legal authority to collect and service these loans. I also demand the chain of custody documentation from origination to current reporting, as required by DOE Servicing Guidelines.

4. Inaccurate & Incomplete Reporting ( FC

RA 1681s-2 ( b ) ) Loan servicers must report accurate and complete information. I request a thorough investigation into whether these loans comply with CARES Act forbearance reporting requirements and HEA Title IV provisions.

5. Identity Theft Protections ( FCRA 1681c-2 ) Given prior identity theft issues affecting my credit profile, I demand immediate blocking and removal of these accounts if validation fails.

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 2025-05-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-14 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 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: AZ

Complaint narrative:
I am disputing the inaccurate charge-off entries being reported on my XXXX and Equifax credit reports for XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX * * ) - {$3000.00} * *. This account is being reported as a charge-off despite significant discrepancies in the information being furnished, which raises serious concerns about the accuracy and reliability of the data being reported. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), data furnishers are required to maintain accurate and complete information, including account statuses and balances, to prevent consumers from suffering unnecessary financial harm. However, the continued presence of this inaccurate charge-off entry has resulted in a significant and unjustified negative impact on my credit profile. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law, further compromising the integrity of the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I lost my phone with my login information for Robinhood. They send a verification code to my old phone but I cant see it since my phone is lost. When I try to use there Face ID system to log in it just leads to a non stop loading screen. I have reached out to Robinhood multiple times getting the same message which is a link to use there Face ID system, which I repeatedly told them it does not work. They dont have a working phone to talk to a rep, they dont a live chat unless you log in to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-14 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I am disputing the inaccurate charge-off entries being reported on my Experian credit report for XXXXXXXX XXXX ( Account Number : XXXX ) - {$8500.00}, XXXX XXXX XXXX ( Account Number : XXXX ) - {$37000.00}, and XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ) - {$430.00}. These accounts are inaccurately listed as charged off while still reflecting balances, which is both misleading and damaging to my credit score. Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to report accurate and complete information, yet these entries continue to reflect balances despite being charged off, creating a false impression of ongoing delinquency. This inaccurate reporting has a direct and negative impact on my credit profile, reducing my ability to obtain fair financial opportunities and exposing me to unjust financial strain. 

Additionally, the presence of these inaccurate charge-offs raises concerns about potential data breaches or mishandling of my financial data, which can lead to serious, long-term damage to my creditworthiness. Experian is legally required to maintain accurate and complete information, and any failure to do so constitutes a direct violation of the FCRA, undermining my rights as a consumer and potentially exposing me to unfair financial practices.

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 2025-05-14 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX * * * * BALANCE {$510.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$5200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$650.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$420.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$240.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( s ) can not be verified, I demand that you remove them from my credit file promptly, as required by law.

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I am filing this follow-up complaint related to a prior CFPB case involving Continental Finance XXXX XXXX XXXX ). On XX/XX/year>, the company re-reported a {$150.00} disputed annual fee balance to Equifax ( after already submitting the monthly report on XX/XX/XXXX ), even though the same balance is under formal dispute with Experian and subject to a prior CFPB complaint. The charge was paid under protest to protect my credit. They did not mark the item as disputed as required under the Fair Credit Reporting Act ( FCRA ). This re-reporting has caused further damage to my credit and was done without reinvestigation or consent. I am requesting full removal of the balance from Equifax or at minimum that it be flagged as disputed until the matter is resolved. I also request that my refund be issued without requiring me to close the account. I paid this annual fee under protest and by law am entitled to full refund without closing the account. 

The account is at a {$0.00} balance currently and should reflect that.

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