vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: MS

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-02 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:
[ XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX ] [ XXXX ] XX/XX/XXXX Equifax Credit Bureau XXXX. XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Inaccurate Information on Credit Report Account Number XXXX Dear Equifax Credit Bureau, I am writing to formally dispute the accuracy of information contained in my credit report, as provided by your agency. After reviewing my credit report dated today, I have identified inaccuracies related to the following account that I believe is either incorrect or unverifiable : Account Name : XXXX XXXX  Account Number : XXXX I dispute the validity of the information reported for this account, which indicates a Charge-off status with a balance of {$640.00}, a credit limit of {$500.00}, and a credit usage of XXXX XXXX as of the last update on XX/XX/XXXX. The account, opened on XX/XX/XXXX, and closed with a last payment date of XX/XX/XXXX, appears to contain errors that may negatively impact my credit standing. 
Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive a copy of my credit report, including all information related to any collections or disputed accounts. Furthermore, pursuant to Section 611 of the FCRA, I request that you conduct a thorough investigation into the accuracy of this reported information and correct or remove any inaccurate or unverifiable data. Specifically, I request the following : XXXX. Written documentation verifying the debt, including the original creditors details, the amount owed, and evidence of my liability for this account. 
XXXX. Immediate cessation of all reporting activities related to this account until the requested verification is provided. 
I expect you to complete your investigation and resolve this dispute within the XXXX timeframe mandated by the FCRA. Upon completion, please provide me with a written response acknowledging receipt of this dispute and detailing the results of your investigation, including any adjustments made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to a timely and satisfactory resolution. 
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 2025-07-02 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: FL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX ] [ XXXX ] XX/XX/XXXX Equifax Credit Bureau XXXX. XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Inaccurate Information on Credit Report Account Number XXXX Dear Equifax Credit Bureau, I am writing to formally dispute the accuracy of information contained in my credit report, as provided by your agency. After reviewing my credit report dated today, I have identified inaccuracies related to the following account that I believe is either incorrect or unverifiable : Account Name : XXXX XXXX  Account Number : XXXX I dispute the validity of the information reported for this account, which indicates a Charge-off status with a balance of {$640.00}, a credit limit of {$500.00}, and a credit usage of XXXX XXXX as of the last update on XX/XX/XXXX. The account, opened on XX/XX/XXXX, and closed with a last payment date of XX/XX/XXXX, appears to contain errors that may negatively impact my credit standing. 
Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive a copy of my credit report, including all information related to any collections or disputed accounts. Furthermore, pursuant to Section 611 of the FCRA, I request that you conduct a thorough investigation into the accuracy of this reported information and correct or remove any inaccurate or unverifiable data. Specifically, I request the following : XXXX. Written documentation verifying the debt, including the original creditors details, the amount owed, and evidence of my liability for this account. 
XXXX. Immediate cessation of all reporting activities related to this account until the requested verification is provided. 
I expect you to complete your investigation and resolve this dispute within the XXXX timeframe mandated by the FCRA. Upon completion, please provide me with a written response acknowledging receipt of this dispute and detailing the results of your investigation, including any adjustments made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to a timely and satisfactory resolution. 
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 2025-07-02 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: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

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 2025-07-02 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:
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 XXXX 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 XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX 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 2025-07-02 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 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 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 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express discovered fraud on my account in XXXX of XXXX we went back one year and filed my initial claim. Their special handling group was amazing and over the course of a month helped me with Claim XXXX reverse the charges. Then i was told the general customer service group would reverse the interest. Several months of fighting over the interest and then seeing the amount of fraud that had occurred on my accounts ( XXXX, XXXX, XXXX ) it started around XXXX. Started a the second part of the claim and i was told its a lot of transitions so hold tight don't do anything and once were done we will get you new cards. In XXXX of XXXX i get a letter from AMEX legal explain it all to them and they help reopen the fraud case. Same person picks it up and over the course of a few months sorts out the fraudulent amounts dating back to XXXX ... and i get told the same thing the general line will refund me and get me new cards. 

When i called back i was told my account was closed and that i wouldn't be getting new cards. My problem is the same gain, the special handling group got it and helped me right away, any customer service person i gets the math / issue of what I'm owed due to interest paid on fraudulent charges but it never gets done/ refunded/ adjusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SIMM Associates, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, SIMM asscoiates inc sent an email threatening to add a derogatory mark on my credit report ( Equifax and Experian ). Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, inception fertility has violated my rights as a consumer and I am requesting legal action to remove this account and stop threatening emails immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AL

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 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 2025-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I found out that a company named XXXX XXXX XXXX was reporting on my credit on behalf of XXXX XXXX XXXX, stating that I had broken my lease and owed {$5000.00} or {$6000.00}. XXXX told me that they did not have my file because it was in storage, as it was so old. After almost two years, I finally received the ledger showing multiple double charges, resulting in an inaccurate amount. This means not only is a company THAT DOES not own the debt reporting on my account, they are reporting the wrong amount as well. I told Equifax this. I even said to them that Experian had investigated and found the reporting to be inaccurate, and they had deleted it. However, they told me there was nothing they could do at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
When I logged onto my XXXX  account I had a banner that said my account was restricted and they would inform my why by a certain date in the future ( about XXXX or XXXX  days out ) later I received a phone call from XXXX that I was unavailable to provide information for and I asked them to call me back this was on XX/XX/year> at XXXX XXXX On this day our conversation lasted XXXX XXXX before I had to leave the conversation. XXXX kept my account restricted and tried to call me back on XX/XX/XXXX at XXXX XXXX I was unavailable to answer the phone. Once I was available for a phone call I requested a call through the app and they told me that no action was required on my end and the problem would be resolved shortly. I requested a reason for the freeze and a timeline to resolve the issue so I could move money around. The representative was unable to provide either question with an answer. After no resolve, no contact, and still no ability to move money I called XXXX again on XX/XX/XXXX at XXXX PST and talked with them for XXXX minutes, they told me that the problem was resolved and I would get an email explaining everything. The email said : We can no longer maintain your XXXX account. We reserve the right to close accounts in our terms and conditions. 

If eligible, all funds will be returned to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to XXXX business days to complete this process. Please keep in mind, certain situations may take longer. 

After receiving this email I initiated a transfer from XXXX to my XXXX account, this transfer was denied. I called XXXX and they said they would try and find the reason it was denied and never heard back. I called again today XX/XX/XXXX at XXXX XXXX and they are still not able to help me move my funds. Its been XXXX weeks since Ive had access to my account and I now am in a situation where I need my funds to make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I looked at my Experian Credit Report XXXX and noticed some things are in complete and Inaccurate.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) 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 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 2025-07-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a secondary XXXX insurance that was provided that was supposed to be billed which was never billed this account should not be reported to my credit i dispute these charges from XXXX XXXX acct # XXXX for {$1000.00}

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated
State: MA

Complaint narrative:
In XX/XX/XXXX, Unifund CCR LLC, represented by XXXX, XXXX XXXX XXXX XXXX, obtained a default judgment against me and placed a lien on my property located at XXXX XXXX, XXXX, NH XXXX, without ever notifying me or giving me the opportunity to respond. The case was filed in XXXX, NH XXXX XXXX under XXXX # XXXX. 
I had no knowledge of this debt, and I was never properly served, as required by law. The affidavit of mailing, signed by XXXX XXXX on XX/XX/XXXX, claims notice was sent during a time when I was hospitalized in a VA XXXX program from XXXX to XXXX. As a result, I was unable to respond or defend myself in court. 
To make matters worse, the alleged debt : Does not appear on my credit reports Has never been validated And does not belong to me Despite this, the lien remains active and has directly obstructed my ability to sell the property, costing me thousands of dollars in lost profit, nearly XXXX hours of follow-up and legal research, and significant emotional harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am filing a formal dispute against an unauthorized hard inquiry listed on my credit report. I did not authorize this inquiry, nor did I initiate any financial relationship that would justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-02 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief