vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WAFD BANK
State: NV

Complaint narrative:
I lost my home during the XXXX pandemic. 
The law was broken. 
The bank kept my money and undersold it at a lesser value than the true market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Company website occasionally loading error message that it's down for site " maintenance '' despite acquiring throughout XXXX XX/XX/XXXX. 

Encountered same site " maintenance '' error message when starting the day on XXXX XX/XX/XXXX. So, I cleared my browsing history and that logged me out of their website. 

When I tried to log back in XXXX would send the prompt to my phone but their app did nothing on my phone whenever I clicked their XXXX notifications. So, I contacted support, having trouble logging in. 

Solicited, I explained the XXXX kept spinning in my browser. They said they had to transfer me. After coming online the second agent IMMEDIATELY closed my account because I was logging in from outside XXXX XXXX since going on vacation. He promptly disconnected chat and said I'd get an email about his action. 

His email said I may not reside in The United States! But, his email left NO PLACE to submit a requested document. AND, when I tried to contact support for more information, I found that I'd been singled out and disconnected from phone and chat support. 

They never gave me a way to login to my account online to resolve their claims. I can't contact them in real-time. I have virtual assets in the account that can't easily be transferred out including " fractional ownership ; '' but there's unresolved business about losses that I can't attend to. Extremely, sometimes they reply they'll respond to inaccurate losses and then quickly respond to OTHER TRADES I didn't recently bring up, leaving my inquiry unresolved. I don't know how I can address inaccurate losses in the suspended account state. It's very deceptive to send my site " maintenance '' errors BEFORE preventing me from logging in only to close my account because I called!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-08 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: NC

Complaint narrative:
Subject : Urgent Complaint Regarding Incorrect Credit Reporting by the Department of Educations XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the Department of Educations XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Over the past XXXX  months, I have repeatedly contacted them in writing, requesting that they remove the reporting of XXXX accounts from all three major credit bureausXXXX, XXXX, and TransUnion. 

These accounts, totaling the following amounts, were awarded forgiveness under the Student Loan Forgiveness Program : {$38000.00} {$16000.00} {$1100.00} Despite being charged off my credit report, the Department of Educations XXXX XXXX continues to re-report these accounts as delinquent every month, with the most recent reporting occurring on XX/XX/year>. 

I have made numerous attempts to resolve this matter, including multiple phone calls and registered letters, yet they have failed to update my credit report accordingly. Their lack of response and failure to correct this inaccurate reporting is causing significant harm to my credit profile and financial well-being. 

I kindly request the CFPBs immediate intervention to ensure that the Department of Educations XXXX XXXX removes these accounts from my credit report and ceases further inaccurate reporting. 

Please confirm receipt of this complaint and provide a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention and assistance in correcting this issue.

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 2025-05-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Urgent Complaint Regarding Incorrect Credit Reporting by the Department of Educations Collection Agency Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the Department of Educations Collection Agency, located at XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX. Over the past 24 months, I have repeatedly contacted them in writing, requesting that they remove the reporting of three accounts from XXXX XXXX major credit bureausXXXX, Equifax, XXXX XXXX 

These accounts, totaling the following amounts, were awarded forgiveness under the Student Loan Forgiveness Program : {$38000.00} {$16000.00} {$1100.00} Despite being charged off my credit report, the Department of Educations Collection Agency continues to re-report these accounts as delinquent every month, with the most recent reporting occurring on XX/XX/XXXX. 

I have made numerous attempts to resolve this matter, including multiple phone calls and registered letters, yet they have failed to update my credit report accordingly. Their lack of response and failure to correct this inaccurate reporting is causing significant harm to my credit profile and financial well-being. 

I kindly request the CFPBs immediate intervention to ensure that the Department of Educations Collection Agency removes these accounts from my credit report and ceases further inaccurate reporting. 

Please confirm receipt of this complaint and provide a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention and assistance in correcting this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Urgent Complaint Regarding Incorrect Credit Reporting by the Department of Educations Collection Agency Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the Department of Educations Collection Agency, located at XXXX XXXX XXXX, XXXX, XXXX, XXXX. Over the past 24 months, I have repeatedly contacted them in writing, requesting that they remove the reporting of three accounts from XXXX XXXX major credit bureausExperian, XXXX XXXX XXXX 

These accounts, totaling the following amounts, were awarded forgiveness under the Student Loan Forgiveness Program : {$38000.00} {$16000.00} {$1100.00} Despite being charged off my credit report, the Department of Educations Collection Agency continues to re-report these accounts as delinquent every month, with the most recent reporting occurring on XX/XX/XXXX. 

I have made numerous attempts to resolve this matter, including multiple phone calls and registered letters, yet they have failed to update my credit report accordingly. Their lack of response and failure to correct this inaccurate reporting is causing significant harm to my credit profile and financial well-being. 

I kindly request the CFPBs immediate intervention to ensure that the Department of Educations Collection Agency removes these accounts from my credit report and ceases further inaccurate reporting. 

Please confirm receipt of this complaint and provide a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention and assistance in correcting this issue.

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 2025-05-08 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: MN

Complaint narrative:
inaccurate and fraudulent accounts reported on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-05-08 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: SC

Complaint narrative:
Subject : Formal Complaint Failure to Verify and Ongoing Reporting of Inaccurate Information in Violation of FCRA I am filing this complaint to bring to your attention ongoing and unlawful credit reporting practices by Transunion, Experian, and Equifax regarding an accounts that is paid, closed, and has been previously disputed. 

Accts disputed : XXXX. XXXX XXXX Acct # XXXX ( status paid ) XXXX. XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Acct # XXXX XXXX. XXXX XXXX Acct # XXXX ( status paid ) XXXX. XXXX XXXX Acct # XXXX ( status paid ) XXXX. XXXX XXXX Acct # XXXX ( status paid ) Despite my prior dispute ( s ), the credit bureau continues to report late payments on this account without providing any acceptable documentation or the legally required method of verification. This directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), which mandates that a credit reporting agency must provide a consumer with a description of the procedure used to verify disputed information. 

Additionally, the continued furnishing and reporting of this unverified, inaccurate, and derogatory information constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. These violations make the bureau and data furnisher liable for damages, including but not limited to statutory damages, actual damages, attorneys fees, and punitive damages. 

Because of this repeated failure to comply with the law and correct the disputed information, I am now requesting through this CFPB complaint the immediate and complete deletion of the account from all consumer reporting agencies. 

The item in question is outdated, inaccurate, and unverifiable. Allowing its continued presence on my credit report is causing harm to my creditworthiness and constitutes a breach of my rights as a consumer under federal law. 


Thank you for your attention to this matter. I am seeking full resolution and deletion to prevent further damage and reserve the right to pursue legal remedies if the violations persist.

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 2025-05-08 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: SC

Complaint narrative:
Subject : Formal Complaint Failure to Verify and Ongoing Reporting of Inaccurate Information in Violation of FCRA I am filing this complaint to bring to your attention ongoing and unlawful credit reporting practices by Transunion, Experian, and Equifax regarding an accounts that is paid, closed, and has been previously disputed. 

Accts disputed : XXXX. XXXX XXXX Acct # XXXX ( status paid ) XXXX. XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Acct # XXXX XXXX. XXXX XXXX Acct # XXXX ( status paid ) XXXX. XXXX XXXX Acct # XXXX ( status paid ) XXXX. XXXX XXXX Acct # XXXX ( status paid ) Despite my prior dispute ( s ), the credit bureau continues to report late payments on this account without providing any acceptable documentation or the legally required method of verification. This directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), which mandates that a credit reporting agency must provide a consumer with a description of the procedure used to verify disputed information. 

Additionally, the continued furnishing and reporting of this unverified, inaccurate, and derogatory information constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. These violations make the bureau and data furnisher liable for damages, including but not limited to statutory damages, actual damages, attorneys fees, and punitive damages. 

Because of this repeated failure to comply with the law and correct the disputed information, I am now requesting through this CFPB complaint the immediate and complete deletion of the account from all consumer reporting agencies. 

The item in question is outdated, inaccurate, and unverifiable. Allowing its continued presence on my credit report is causing harm to my creditworthiness and constitutes a breach of my rights as a consumer under federal law. 


Thank you for your attention to this matter. I am seeking full resolution and deletion to prevent further damage and reserve the right to pursue legal remedies if the violations persist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health |

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I would like all bank statements that was in my name for the past 7 years. You told me account was created useing email address XXXX and never opened myself one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
Equifax / Experian / TransUnion Subject : Second Demand for Immediate Deletion of Fraudulent Accounts and Hard Inquiries To Whom It May Concern, This is my second formal notice demanding that you take immediate action to remove all fraudulent accounts and unauthorized hard inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 605B, which provide protection for victims of identity theft and inaccurate reporting. 

Despite my previous dispute dated [ Insert Date of First Letter ], the following fraudulent and unauthorized items remain on my credit file : These accounts and inquiries were not initiated by me. I did not authorize these transactions and I am not responsible for any associated debts. You are now on notice to complete a reinvestigation or delete these items from my credit file immediately, as required under the FCRA. 

If you continue to report these items, you will be in violation of federal law, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and seeking damages in civil court under 15 U.S. Code 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Equifax / Experian / TransUnion Subject : Second Demand for Immediate Deletion of Fraudulent Accounts and Hard Inquiries To Whom It May Concern, This is my second formal notice demanding that you take immediate action to remove all fraudulent accounts and unauthorized hard inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 605B, which provide protection for victims of identity theft and inaccurate reporting. 

Despite my previous dispute dated [ Insert Date of First Letter ], the following fraudulent and unauthorized items remain on my credit file : These accounts and inquiries were not initiated by me. I did not authorize these transactions and I am not responsible for any associated debts. You are now on notice to complete a reinvestigation or delete these items from my credit file immediately, as required under the FCRA. 

If you continue to report these items, you will be in violation of federal law, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and seeking damages in civil court under 15 U.S. Code 1681n and 1681o.

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 2025-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX FCU - XXXX XXXX FCU - XXXX XXXX FCU - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX CARD - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX CXXXX XXXX - XXXX XXXX  - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation