vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Compliance Department, This letter serves as a formal dispute and demand to cease reporting inaccurate, misleading, and incomplete information related to the above-referenced account to any consumer reporting agencies, including XXXX, Experian, and XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to ensure that the information they provide to credit bureaus is accurate and complete. Your own documentation dated XX/XX/year>, indicates that a deficiency balance of {$8600.00} is being reported after repossession, yet your communication fails to account for : - How the sale of the vehicle was conducted, including the date, sale amount, and whether the sale met commercially reasonable standards ; - Whether I was properly credited for the vehicles sale proceeds ; - A complete calculation of the deficiency balance, showing how you arrived at the amount you are reporting. 

These omissions raise serious concerns regarding the accuracy and completeness of the account being reported. Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Failure to provide the full accounting of the sale and deficiency calculation renders your reporting potentially misleading and unverifiable.

Therefore, I am requesting the following : 1. Cease and desist from further reporting this account until such time as it can be fully validated with supporting documentation that complies with state repossession laws and the FCRA ; 2. If you are unable to correct the incomplete and misleading information, you must request that the credit bureaus delete or suppress the tradeline as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 3. Confirm in writing that your organization will no longer report or will remove this account from all credit bureaus pending resolution.

If you continue to report this account inaccurately, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue any remedies available under federal law, including actual and statutory damages. 

Please respond in writing within 15 days of receipt of this letter. All future communication regarding this matter must be in writing. 

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 2025-07-08 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: IL

Complaint narrative:
Dear Compliance Department, This letter serves as a formal dispute and demand to cease reporting inaccurate, misleading, and incomplete information related to the above-referenced account to any consumer reporting agencies, including XXXX, XXXX, and TransUnion. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to ensure that the information they provide to credit bureaus is accurate and complete. Your own documentation dated XX/XX/year>, indicates that a deficiency balance of {$8600.00} is being reported after repossession, yet your communication fails to account for : - How the sale of the vehicle was conducted, including the date, sale amount, and whether the sale met commercially reasonable standards ; - Whether I was properly credited for the vehicles sale proceeds ; - A complete calculation of the deficiency balance, showing how you arrived at the amount you are reporting. 

These omissions raise serious concerns regarding the accuracy and completeness of the account being reported. Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Failure to provide the full accounting of the sale and deficiency calculation renders your reporting potentially misleading and unverifiable. 

Therefore, I am requesting the following : 1. Cease and desist from further reporting this account until such time as it can be fully validated with supporting documentation that complies with state repossession laws and the FCRA ; 2. If you are unable to correct the incomplete and misleading information, you must request that the credit bureaus delete or suppress the tradeline as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 3. Confirm in writing that your organization will no longer report or will remove this account from all credit bureaus pending resolution.

If you continue to report this account inaccurately, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue any remedies available under federal law, including actual and statutory damages. 

Please respond in writing within 15 days of receipt of this letter. All future communication regarding this matter must be in writing. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
Dear Compliance Department, This letter serves as a formal dispute and demand to cease reporting inaccurate, misleading, and incomplete information related to the above-referenced account to any consumer reporting agencies, including Equifax, XXXX, and XXXX.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to ensure that the information they provide to credit bureaus is accurate and complete. Your own documentation dated XX/XX/2025, indicates that a deficiency balance of {$8600.00} is being reported after repossession, yet your communication fails to account for : - How the sale of the vehicle was conducted, including the date, sale amount, and whether the sale met commercially reasonable standards ; - Whether I was properly credited for the vehicles sale proceeds ; - A complete calculation of the deficiency balance, showing how you arrived at the amount you are reporting. 

These omissions raise serious concerns regarding the accuracy and completeness of the account being reported. Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Failure to provide the full accounting of the sale and deficiency calculation renders your reporting potentially misleading and unverifiable.

Therefore, I am requesting the following : 1. Cease and desist from further reporting this account until such time as it can be fully validated with supporting documentation that complies with state repossession laws and the FCRA ; 2. If you are unable to correct the incomplete and misleading information, you must request that the credit bureaus delete or suppress the tradeline as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 3. Confirm in writing that your organization will no longer report or will remove this account from all credit bureaus pending resolution. 

If you continue to report this account inaccurately, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue any remedies available under federal law, including actual and statutory damages. 

Please respond in writing within 15 days of receipt of this letter. All future communication regarding this matter must be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 submitting this complaint to formally dispute the continued reporting of a late payment on a XXXX  XXXX  account ( Account # ending in XXXXXXXX XXXX XXXX  ) that has long since been closed, paid in full, and carries a XXXX-dollar balance. Despite being fully resolved, this account is still being reported by XXXX, Equifax, and XXXX  as containing late payment history, which is both inaccurate and deeply damaging to my credit profile. 

I take my credit very seriously. Ive worked hard to honor every agreement, pay off debts, and maintain a clean, verifiable history across all bureaus. When this account was closed and paid, I assumed that would be the end of ityet it continues to linger as a derogatory item, misrepresenting my payment behavior to lenders, employers, insurers, and others who rely on these reports for decision-making. Thats not just wrongits disheartening. It feels like Im being penalized indefinitely for something thats been fully resolved. 

Even more frustrating is the lack of transparency and accountability. Ive disputed this through normal channels, yet theres been no meaningful explanation or evidence provided to justify why this account is still reporting negatively. No verification documents. No update. Just silence, and the same damaging notation dragging down my score every month. 

Given the volume of inaccuracies Ive had to clean up over time, I cant help but consider the possibility that this too may be the result of broader data integrity issuespossibly stemming from a data breach or record mishandling. While I am not accusing any party of fraud or identity misuse, I do strongly believe that systemic errors in how data is reported, merged, and transferred between entities are behind this kind of mistake. And its consumers like me who are left to clean up the mess, over and over again. 

The Fair Credit Reporting Act ( FCRA ) is very clear in its standards : credit bureaus are obligated under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy in the information they publish. Additionally, once a consumer files a dispute, 15 U.S.C. 1681i requires a reasonable and timely reinvestigation of any disputed item. If a credit bureau can not fully verify the accuracy of the data in question, it must be corrected or deleted. That is not optionalit is the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Ive been using Robinhood for years now with no issues. Then I made a {$22000.00} deposit and Robinhood decided to close my account down and not let me withdraw my funds. My funds have been stuck and Robinhood has been holding it since XX/XX/2025. They wont respond to me and wont release my funds. They have a feature that offer instant withdrawals but wont let me use it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX XXXX  on XX/XX/scrub>XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/scrub>XX/XX/XXXX with a balance of {$43000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) as proof from the US 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 explanation
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
I am filing this complaint in response to XXXX charge-off accounts that are currently being reported on my XXXX, XXXX, and TransUnion credit reports : XXXX XXXX ( Account # : XXXX XXXX XXXX  )XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ), and XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). These accounts are being reported with derogatory charge-off statuses {$2300.00}, {$4900.00}, and {$15000.00} * * respectivelybut none of them should remain on my credit reports at this point, nor should they carry such damaging and outdated notations. 

These accounts are not only over a decade old in some cases, but theyve been settled, paid, or resolved through previous disputes. I have made every effort to clean up and maintain an accurate credit profile, not just for my financial health, but also for the stability of my family and long-term goals. Seeing these outdated charge-offs still appearingafter so many years and after taking the proper stepsfeels like a slap in the face. Its as if no matter how much work I put into building my credit back up, Im still being dragged down by errors or negligence from the very systems that are supposed to protect consumers. 

The emotional toll is significant. Ive had applications denied, rates increased, and opportunities lostnot because of who I am today, but because of outdated, possibly mishandled, and unverifiable data that continues to follow me like a shadow. I am not claiming fraud or identity theft, but I do strongly believe these entries may have persisted due to poor data maintenance or errors stemming from a data breach or record mismatch. These accounts are relics of the past, and their presence on my reports now is more damaging than informative.

The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), requires credit bureaus to maintain maximum possible accuracy in all consumer reporting. Once a dispute has been submitted, they are also bound under 15 U.S.C. 1681i to reinvestigate the item thoroughly. If the account can not be verified with current, accurate documentation, then it must be removed or corrected. Simply leaving the burden on the consumer indefinitely is not just unfairits 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 explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
Payments were submitted to lender, payment processing system error caused a bank return on XXXX of XXXX payments made XX/XX/XXXX stating my account was closed. When I was notified that one of the payments did not go through and that I was at risk of delinquency, I made multiple payments on XX/XX/XXXX totaling {$510.00}. I was still reported as delinquent and my credit score was dropped XXXX points. After seeing this On XX/XX/XXXX, I called the lender to have this looked at, I was told that there was an error on the lenders part to no fault of my own and the payments were made before delinquency should have been reported. I was told that they would submit a ticket and correct the issue and have it resolved in XXXX business days. On XXXX after no contact from the lender, I called the lender again as the issue was still Not resolved. I was told they closed the ticket and the reporting was correct due to my payment being returned for a closed account my account was not closed, the payments were made before delinquency. They reported this incorrect information directly to the credit bureaus as I disputed this with them as well. This company has refused to let me speak with a supervisor or anyone beyond a customer service representative through the XXXX number. They advertise Good will adjustments for this exact kind of issue with payment processing on their website, yet every customer service representative says they have no idea what this is.They will not return phone calls and have only offered to submit another ticket. This is absolute fraud and disgusting behavior. My credit has been severely damaged due to this.

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 2025-07-08 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-08 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: TX

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1600.00}

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 2025-07-08 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: TX

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-07-08 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: PA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$760.00}

Company response to consumer: Closed with non-monetary relief