vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-28 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: IL

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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of a dismissed bankruptcy on my credit file. It is deeply concerning that this item is still listed as " confirmed, '' despite its legal dismissal. 
While I understand that your internal policy may allow the reporting of bankruptcy filings for up to ten years, the Fair Credit Reporting Act ( FCRA ) specifically Section 1681cmakes no provision for the inclusion of dismissed or unadjudicated bankruptcies. The law clearly refers only to items that have reached an adjudication or an order of relief. A dismissed case is, by legal definition, void and without effect. If a bankruptcy was not adjudicated, it does not legally exist for the purpose of credit reporting. 

As such, continuing to report a dismissed bankruptcy constitutes the inaccurate reporting of obsolete information. Per Section 1681 ( a ) ( 5 ) of the FCRA, I formally request that this item be deleted from my credit file immediately and that an updated copy of my credit report reflecting this change be provided to me.

Because this matter does not require a reinvestigationonly a correction based on verifiable legal statusI expect a response within 14 calendar days from your receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of a dismissed bankruptcy on my credit file. It is deeply concerning that this item is still listed as " confirmed, '' despite its legal dismissal. 
While I understand that your internal policy may allow the reporting of bankruptcy filings for up to ten years, the Fair Credit Reporting Act ( FCRA ) specifically Section 1681cmakes no provision for the inclusion of dismissed or unadjudicated bankruptcies. The law clearly refers only to items that have reached an adjudication or an order of relief. A dismissed case is, by legal definition, void and without effect. If a bankruptcy was not adjudicated, it does not legally exist for the purpose of credit reporting. 

As such, continuing to report a dismissed bankruptcy constitutes the inaccurate reporting of obsolete information. Per Section 1681 ( a ) ( 5 ) of the FCRA, I formally request that this item be deleted from my credit file immediately and that an updated copy of my credit report reflecting this change be provided to me.

Because this matter does not require a reinvestigationonly a correction based on verifiable legal statusI expect a response within 14 calendar days from your receipt of this letter.

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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-28 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: NJ

Complaint narrative:
My information was involved in a data breach there's a bunch of inquiries on my credit report an open XXXX XXXX XXXX that's fraud and I can't get any new credit or a bank account please help me I don't know what to do I can't get any thing done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My information was involved in a data breach there's a bunch of inquiries on my credit report an open XXXXXXXX XXXX XXXX that's fraud and I can't get any new credit or a bank account please help me I don't know what to do I can't get any thing done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed a dispute on XX/XX/XXXX for an unauthorized charge in the amount of {$2000.00} that credit a claim number of XXXX with Wells Fargo Bank. 

I was notified on XX/XX/XXXX that the claim was closed CLOSED and the credit would remain on the account. 

After XXXX  days I received a letter and it stated they would be reversing the charge after it states on my online banking that the claim was closed on XX/XX/XXXX XX/XX/XXXX Claim XXXX XXXX XX/XX/XXXX Card Claim Reversal of PC XXXX XXXXXXXX

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 2025-07-28 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am writing you about the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX  XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
i recently checked my report an account named XXXX XXXX is showing on my report and is fraud for the amt of {$510.00} and needs to be removed.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX while scrolling on the internet I saw a promotion from Netspend, a XXXX XXXX company that offered a sign up bonus of {$200.00} for opening a netspend debit account and getting a {$400.00} direct deposit. I created and opened the account on XX/XX/XXXX and received a qualifying direct deposit on XX/XX/XXXX. The terms of the promotion stated that the accoutn would be credited in XXXX business days, meaning my account shouldve been credited no lated than XX/XX/XXXX. I have not received the credit yet. I received and activated my card on XX/XX/XXXX. 

For reference, the XXXX XXXX XXXX XXXX XXXX To qualify for this offer, ( XXXX ) you must acquire a new Netspend XXXX XXXX or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( XXXX ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within XXXX  days of acquiring the account. The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity. Limit XXXX ( XXXX ) offer per account. Offer may not be transferred to others, exchanged for other offers, or redeemed for cash. Not valid with any other offer. Void where prohibited. Sponsor : XXXX XXXX XXXX XXXX XXXX, XXXX, Member FDIC XXXX XXXX XXXX and Visa are not affiliated in any way with this optional offer and do not endorse or sponsor this offer.

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 2025-07-28 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: CA

Complaint narrative:
Updated Complaint - XXXX Complaint Regarding Inaccurate Auto Loan Balance XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Auto loan or leaseIssue : Incorrect account status / failure to update loan payoff Consumer Complaint : I paid off my auto loan with XXXX XXXX XXXX XXXX in full on XXXX for the final payment of : {$1500.00} Despite this, since XX/XX/year>, they are still reporting an outstanding balance of approximately {$3000.00} on my account more than 60 days later. 

I have made SEVERAL phone calls to their customer service to request a correction. During these calls, representatives repeatedly asked me whether I had " submitted a complaint yet '' rather than providing any assistance or explanation. This behavior raises MAJOR concerns about transparency and accountability. 

I have proof of the final payment and payoff amount, and I am requesting immediate action to : Correct the balance to {$0.00} and update the account status accordingly Ensure my credit report is updated to reflect that the loan is paid in full Provide written confirmation of account closure Im requesting CFPB assistance to compel XXXX XXXX  to take appropriate action, as their delays and evasiveness have become unreasonable and concerning. I'm sick and tired of doing business with this dishonest organization and have done my due diligence in paying the vehicle loan starting in XXXX of XXXX with an initial balance of : {$18000.00}. 

I paid off the car as fast as possible in interests of benefitting my credit and XXXX XXXX XXXX XXXX has done all that they can to paint a narrative of the car not being paid off as fast as it has been. 

To verify my concerns, kindly review the full screenshots with dates of when payments were made and the " statements '' this bank is issuing for said pay off. The data appears wildly inaccurate and I'm deeply concerned as my goal was to help my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: SC

Complaint narrative:
I am disputing a landlord collection for {$8600.00} from XXXX XXXX XXXX XXXX, reported by Sentry Credit on my XXXX  report. I was never evicted, and I have documentation showing I was offered a lease renewal dated XX/XX/year>. 

I left the property voluntarily, and no legal action or judgment was filed against me. This is not an eviction or validated debt. 

I submitted a dispute to XXXX  and attached new documentation, but I am now filing this CFPB complaint due to lack of proper verification and the damage its doing to my ability to secure housing. 

I am requesting the removal of this collection under the Fair Credit Reporting Act due to inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX 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  - Incorrect Personal XXXX  XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX, XXXXXXXX XXXX  - Incorrect Personal These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX XXXX for its failure to release {$6300.00} from my investment account following its closure, despite repeated communication and full compliance with all required verification steps. 

Complaint Summary : Company Name : XXXX XXXX XXXX Amount Withheld : {$6300.00} Date of Account Closure or Fund Request : XX/XX/XXXX Duration of Delay : Over XXXX  days as of today Linked Bank Account Verified Despite my submission of valid identification, confirmation of my linked bank account, and repeated follow-up messages, XXXX has XXXX to release my funds or provide a clear reason for the ongoing delay. I have received other withdrawals from the same verified account during this period, which confirms that the account is active and recognized by their system. 

This withholding has caused significant financial hardship and appears to be in violation of federal consumer protection laws regarding access to personal funds and fair business practices. 

I am requesting that the CFPB investigate this matter and require XXXX to immediately transfer my funds to the verified bank account on file. I am happy to provide any supporting documentation or correspondence necessary to assist your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute an unauthorized charge on my credit card account ending in [ Last 4 digits of your credit card ]. The details of the transaction are as follows : Account Details- Last payment : XX/XX/year> - Payment status : Current - Amount past due : {$0.00} - Worst payment status : No info * * Account Details * * - Account status : Closed - Type : Secured credit card - Responsibility : Individual * * Remarks : * * - Closed - Account closed by consumer * * Closed on : * * XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
Company reported fraudulent information that caused me to be denied to rent a home. Fraudulent bank information and rental history along with fraudulent accounts on the report. Reported false credit score.

Company response to consumer: Closed with non-monetary relief