vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-17 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: IL

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing false and inconsistent information on my experian credit report. the account in question was opened XX/XX/XXXX, yet is reported as charged off with a balance of {$3500.00}, despite a credit limit of {$3000.00} and last payment on XX/XX/XXXX. 

the reported dates of delinquency and charge off do not align with the payment history, and the balance exceeds my credit limit, which may reflect unlawful fee padding. I have disputed this with Experian, XXXX XXXX XXXX but they responded that no changes would be made or no deletion. 

this violates the fair credit reporting act and is damaging my credit standing. I am requesting a full reinvestigation and correction or deletion of the inaccurate information regarding the XXXX account information.

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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
In XXXX I requested debt verification in writing and received nothing. I went into the office on XX/XX/XXXX and requested to know more about the debt. They refused to provide information and stated that I needed to hurry to pay it because interest was accruing and threatened to ruin my credit. Because they refused to provide me any information, I went to XXXX XXXX XXXX  billing and they provided me the necessary information about the debt. They don't have correct address/contact info. I will be disputing XXXX account with my insurance now that I understand what is going on. I went into their office today and said I would settle the other XXXX accounts if they removed the unjust interest. They refused to take payment. This debt collector is very unprofessional and is making it impossible for me to pay off my medical debt. The threatening behavior is a fear tactic to get me to pay completely without any negotiation or explanation which I feel I am entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
For over three months, I have made multiple attempts to access my account online. Despite repeated efforts and contact with your customer service, your system consistently failed to allow login access, preventing me from making timely payments, monitoring transactions, and managing my account responsibly. Each time I requested a reset or assistance, I was assured the issue was being addressed, only to face the same obstacles repeatedly.

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 monetary relief
Consumer complaint received 2025-07-17 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:
I recently reviewed my credit report and was alarmed to find an inquiry that I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit information. This unauthorized inquiry is causing me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
In XXXX of XXXX  I had installed windows by XXXX window replacement operation. They offered a XXXX interest financing through GreenSky ( apparently XXXX XXXX and others underwriting the loans ). In XXXX of XXXX  I received a promotional payoff balance by GreenSky reflecting a {$1500.00} credit against the then outstanding balance of {$5900.00}, specifically a payoff balance of {$4400.00}. ( See attachment XXXX ). 
I acted immediately paying off the promotional balance ( see attachment XXXX ). 
GreenSky accepted and processed the payment and sent me a subsequent statement showing XXXX balance on my account ( see attachment XXXX ). Additionally, GreenSky and their underwriter at the time, XXXX XXXX, reported the loan balance paid and showed XXXX balance going forward. ( See attachments ) Unexpectedly and quite belatedly, almost XXXX full years since I paid off the loan, GreenSky discovered an outstanding balance of {$1500.00} and started charging me interest and late fees bringing the total amount to XXXX {$2100.00}. Understandably, I refused to accept their demand. In conversations, including XXXX yesterday, XX/XX/year>, they admitted that the credit of {$1500.00} was " misapplied '', whatever that means, but since the error was on their part they offered to forgive interest and fees if I promptly pay the {$1500.00}. I feel fully justified that having acted in good faith XXXX years ago to an offer and having paid off the loan back then I do not owe anything more. Their offer and my acceptance constituted a contract which was fulfilled and terminated. 
Alleging " an error '' on their part XXXX years later is a mute point. I face a dilemma, nontheless, that if the dispute continues and GreenSky keep mounting interest and late fees and reporting same to the credit rating agencies they will ruin my credit ( which has been excellent for a number of years ) and my reputation as an honorable individual. Therefore, I appeal to you to intervene and somehow rectify the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally requesting immediate action to remove multiple unauthorized credit inquiries made without my consent. These entries have negatively affected my credit score and raise serious concerns about potential identity theft.

Despite prior assurances from your agency that these inquiries would be removed, they remain on my report. This ongoing failure to act is unacceptable and is causing continued financial and emotional harm.

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 2025-07-17 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 am a victim of identity theft. A fraudulent collection account from " Accounts Rec, '' originally from " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, '' for {$8200.00} was opened in my name and is reporting on my TransUnion credit file. 

I submitted a formal dispute along with an FTC Identity Theft Report ( listing the fraudulent collection ), a notarized affidavit, my photo ID, and proof of address. Despite this, TransUnion has not removed or blocked the account in accordance with FCRA 605B.

I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and TransUnion has failed to provide the name of the furnisher or documentation used to verify the account.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ACCOUNTS : CAPITAL XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX ( XXXX  Wrapped XXXX  ) to my Robinhood Ethereum wallet address. The transaction is confirmed on-chain and was successfully delivered to a wallet fully controlled by Robinhood.

Transaction hash : XXXX XXXX XXXX XXXX XXXX XXXX is a standard XXXX token issued by XXXX  and XXXX across XXXX wallets. I am not requesting a XXXX  reversal I am requesting that Robinhood access the wallet they control and either transfer the XXXX  back or credit my account.

Robinhood support has refused, stating they can not access or recover unsupported tokens which is technically false. They control the wallet, and XXXX  is fully visible and accessible using standard XXXX tools. 

I am requesting the CFPB help ensure Robinhood takes responsibility for assets sent to wallets under its custody and does not improperly retain customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
when i was young my identity was compromised in a data breach, i had accounts, wrong address, and wrong employment and inquireries on my report i did not have any knowldege of

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 2025-07-17 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: GA

Complaint narrative:
when i was young my identity was compromised in a data breach, i had accounts, wrong address, and wrong employment and inquireries on my report i did not have any knowldege of

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XX/XX/year>, Midland Credit Management began reporting a debt they claim to have purchased, but they have never provided proof of ownership or a complete chain of custody from the original creditor. Even reporting while I disputed this account with the credit bureau, requesting full validation including the original contract, itemized statements, and assignment documents. Midland only responded with limited data and continued reporting. Their investigation did not address my requests or verify the debt properly, leaving inaccurate and unverifiable information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
In XXXX of this year i found one account in my credit report that was opened whitout my knowledge and must be the result of identity theft or the misuse of my personal information.This situation has been taking over my health and peace since i have not been able to get rid of it and i dont know what else to do. I really need TRANSUNION to adrees this immediately so that i can be aware of my credit report situation. This is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened on 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts, including charge-offs and collection entries. It has been over 30 days, and they failed to properly investigate or validate the information, as required under the Fair Credit Reporting Act ( FCRA ). These negative items are affecting my credit score and creditworthiness.

I am requesting that the CFPB require Experian to fully investigate and remove any accounts that can not be verified or were not properly validated. 

See attached documents for my dispute letter and a copy of the report with highlighted accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts, including charge-offs and collection entries. It has been over 30 days, and they failed to properly investigate or validate the information, as required under the Fair Credit Reporting Act ( FCRA ). These negative items are affecting my credit score and creditworthiness.

I am requesting that the CFPB require Experian to fully investigate and remove any accounts that can not be verified or were not properly validated. 

See attached documents for my dispute letter and a copy of the report with highlighted accounts in question.

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 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX  - XXXXXX/XX/XXXXXXXX Fraudulent Inquiries : XX/XX/XXXX- XX/XX/XXXX Incorrect Names : Incorrect Name - XXXX XXXX XXXX DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : Incorrect Name - XXXX XXXX XXXX DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ 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