vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
Insufficient effort : Rubber-stamping the disputed information as accurate without any real investigation. 
Refusing to investigate : Demanding information from the consumer that is not required by law, such as a proprietary form or police report, and using that as a reason to dismiss the dispute. 
Failing to verify : XXXX to report information that the furnisher can not verify as accurate. 
Incomplete information : Failing to provide the furnisher with all relevant evidence submitted by the consumer, hindering a proper investigation.

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 2025-09-10 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: FL

Complaint narrative:
Insufficient effort : Rubber-stamping the disputed information as accurate without any real investigation. 
Refusing to investigate : Demanding information from the consumer that is not required by law, such as a proprietary form or police report, and using that as a reason to dismiss the dispute. 
Failing to verify : XXXX to report information that the furnisher can not verify as accurate. 
Incomplete information : Failing to provide the furnisher with all relevant evidence submitted by the consumer, hindering a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: HI

Complaint narrative:
On the XXXX of XXXX I requested my XXXX, about XXXX worth to be unstaked, and I was given a date of XX/XX/XXXX, from XXXX. The crypto is still unavailable to me and I have messaged XXXX support at least XXXX  times. XXXX tell me it is part of the unbonding and they are not able to do anything. 
XXXX held : XXXX Currently staked XXXX  : XXXX XXXX  available ( not staked ) : XXXX Active unstaking request : I dont see any XXXX  unstaking request on your account at the moment. 
I asked them why my XXXX  is being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Global Lending Services LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Submit online at : XXXX XXXX XXXXXXXX Subject : Complaint Regarding Unauthorized or Unverified Credit XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint regarding several unauthorized or unverified hard inquiries that have appeared on my credit report. These inquiries were made without my knowledge, consent, or a permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( c ). 

I have contacted the credit reporting agencies and the companies that made the inquiries, but have not received sufficient proof of my authorization or a valid reason for these pulls. According to the FCRA, a XXXX  inquiry XXXX only be made with my written consent or for a specific permissible purpose, such as a credit application I initiated. 

I request that the CFPB investigate these unauthorized inquiries and require the credit bureaus and inquiry furnishers to either : Provide documented proof that I authorized each inquiry, or Remove the inquiry from my credit report immediately. 

Please assist in enforcing my rights under federal law. I have attached a copy of my credit report highlighting the disputed inquiries. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Submit online at : XXXX XXXX XXXXXXXX Subject : Complaint Regarding Unauthorized or Unverified Credit XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint regarding several unauthorized or unverified hard inquiries that have appeared on my credit report. These inquiries were made without my knowledge, consent, or a permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( c ). 

I have contacted the credit reporting agencies and the companies that made the inquiries, but have not received sufficient proof of my authorization or a valid reason for these pulls. According to the FCRA, a XXXX  inquiry XXXX only be made with my written consent or for a specific permissible purpose, such as a credit application I initiated. 

I request that the CFPB investigate these unauthorized inquiries and require the credit bureaus and inquiry furnishers to either : Provide documented proof that I authorized each inquiry, or Remove the inquiry from my credit report immediately. 

Please assist in enforcing my rights under federal law. I have attached a copy of my credit report highlighting the disputed inquiries. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-09-10 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:
I do not recognize the accounts, collections, charge-offs, late payments, or XXXX  inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-09 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: NJ

Complaint narrative:
To Whom It XXXX Concern : On XX/XX/year> I submitted a dispute regarding inaccurate information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and respond to a consumers dispute within XXXX  days of receiving it. 

It has now been more than XXXX  days since I filed my dispute, and I have not received a response or resolution within the legally required time frame. Since the credit bureau did not verify the disputed information within the time allowed by law, I am formally requesting that the unverified information be removed from my credit report immediately. 

Please provide me with an updated copy of my credit report reflecting this correction once it has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
Insufficient effort : Rubber-stamping the disputed information as accurate without any real investigation. 
Refusing to investigate : Demanding information from the consumer that is not required by law, such as a proprietary form or police report, and using that as a reason to dismiss the dispute. 
Failing to verify : XXXX to report information that the furnisher can not verify as accurate. 
Incomplete information : Failing to provide the furnisher with all relevant evidence submitted by the consumer, hindering a proper investigation.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-10 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:
I recently saw my credit report and i noticed fraudulent accounts showing on my credit report. These accounts are not mine. Please immediately remove these accounts from my report.

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 2025-09-09 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: NC

Complaint narrative:
Experian, Equifax, and Transunion are reporting a late payment from XXXX XXXX that I have been disputing for over two years. I submitted a dispute, but all three responded with a generic verified as accurate message and provided no documentation or explanation of the verification method. 
Under FCRA 611 ( a ) ( 7 ), I have the right to know the method of verification, including who these companies contacted and what records were reviewed. Experian, Equifax and transuion has failed to provide this. 
If XXXX XXXX can not provide proof, then Experian, Equifax and Transunion can not continue reporting the late payment. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted. I am requesting the deletion of this late payment from all three credit files immediately.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently saw my credit report and i noticed fraudulent accounts showing on my credit report. These accounts are not mine. Please immediately remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: Zions Debt Holdings
State: NC

Complaint narrative:
I was recently released from the XXXX and upon my re entry went to open an account in my name and the bank returned a report of unauthorized transactions in my name during my XXXX. I had no access to a telephone or computer so there is no way I could have authorized these accounts in my name and I am trying to clear my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
Experian, Equifax, and Transunion are reporting a late payment from XXXX XXXX that I have been disputing for over two years. I submitted a dispute, but all three responded with a generic verified as accurate message and provided no documentation or explanation of the verification method. 
Under FCRA 611 ( a ) ( 7 ), I have the right to know the method of verification, including who these companies contacted and what records were reviewed. Experian, Equifax and transuion has failed to provide this. 
If XXXX XXXX can not provide proof, then Experian, Equifax and Transunion can not continue reporting the late payment. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted. I am requesting the deletion of this late payment from all three credit files immediately.

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 2025-09-10 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: NC

Complaint narrative:
Experian, Equifax, and Transunion are reporting a late payment from XXXX XXXX that I have been disputing for over two years. I submitted a dispute, but all three responded with a generic verified as accurate message and provided no documentation or explanation of the verification method. 
Under FCRA 611 ( a ) ( 7 ), I have the right to know the method of verification, including who these companies contacted and what records were reviewed. Experian, Equifax and transuion has failed to provide this. 
If XXXX XXXX can not provide proof, then Experian, Equifax and Transunion can not continue reporting the late payment. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted. I am requesting the deletion of this late payment from all three credit files immediately.

Company response to consumer: Closed with non-monetary relief