vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In accordance with USC 1681g, I am formally requesting their removal within 15 days. All supporting documents have been included for your review. Furthermore, the information being reported is inconsistent and differs across the major credit reporting agencies.

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 2025-07-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX accounts opened at XXXX XXXX on XX/XX/XXXXXXXX  and XX/XX/XXXX under the account number XXXX, an Personal Loan account opened at XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Request for Immediate Reinvestigation and XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX bank doesn't even let you cancel service with them so ultimately this was going to happen. 

I am disputing the reporting of a XXXX XXXX ( Account XXXXXXXX XXXX XXXXXXXX ). 
I have been harassed and contacted relentlessly at inconvenient times about this! During work, in the shower, and while Im cutting my grass! XXXX of them even called me out my name before. It was disheartening to know a company hires such individuals! Its getting to a point its damaging my XXXX XXXX Please help me by deleting this and never contacting me ever in your life. 15 USC 1692. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. XXXX findings and declarations of purpose I am filing this formal complaint against XXXX, XXXX  and XXXX  for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a thorough and timely reinvestigation of disputed information. Despite this confirmation, they each continue to report the account inaccurately. This misreporting is causing significant financial harm, including potential denials of credit, increased interest rates, and harm to my overall creditworthiness. Under FCRA 15 U.S.C. 1681i, I am requesting that XXXX, XXXX  and XXXXXXXX XXXX Conduct a thorough investigation to verify the accuracy and completeness of the information, complete this investigation within XXXX  days as required by law, provide the results in writing along with any corrections or deletions made to my credit file. If all ( XXXX ) can not verify the disputed information with accuracy, the law requires that it be deleted from my credit report. Please treat this as a formal dispute and a demand for compliance with federal law. I request written confirmation of your findings and any action taken. Thank you for your immediate attention to this matter. This inaccuracy is not only a violation of my rights, but it is also negatively and unfairly impacting my financial standing and my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I received confirmation that my claim was accepted in the class action settlement for the XXXXXXXX XXXX XXXX XXXX XXXXXXXX Data Security Breach Litigation. Following this breach, I've observed unusual activity on my credit report, including several unrecognized hard inquiries and negative entries that I did not authorize or initiate. 

As a consumer, I take my financial integrity seriously and actively monitor my credit. These unauthorized inquires and adverse entries only began appearing after the reported breach, which leads me to believe my personal information may have been compromised and misused. 

Under the FCRA specifically 15 U.S. Code 1681e ( b ), I have the right to dispute inaccurate or unveriable information. I am requesting a full investigation into these items and, if found to be inaccurate or unauthorized, I expect them to be removed promptly to prevent further damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I received confirmation that my claim was accepted in the class action settlement for the XXXXXXXX XXXX XXXX XXXX XXXXXXXX Data Security Breach Litigation. Following this breach, I've observed unusual activity on my credit report, including several unrecognized hard inquiries and negative entries that I did not authorize or initiate. 

As a consumer, I take my financial integrity seriously and actively monitor my credit. These unauthorized inquires and adverse entries only began appearing after the reported breach, which leads me to believe my personal information may have been compromised and misused. 

Under the FCRA specifically 15 U.S. Code 1681e ( b ), I have the right to dispute inaccurate or unveriable information. I am requesting a full investigation into these items and, if found to be inaccurate or unauthorized, I expect them to be removed promptly to prevent further damage to my credit profile.

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 2025-07-26 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: MD

Complaint narrative:
THE FOLLOWING CHARGE-OFF ACCOUNTS HAVE BEEN DEEMED AS A PROFIT LOSS ON MY CREDIT REPORTS. REQUESTED A COPY OF THE 1099C IRS FORM, DEBT VALIDATION, SIGNED CONTRACTS AND PAYMENT HISTORY. ACCORDING TO FCRA 15 USC 1681S-2 AND 15 USE 1681EB, THIS IS A VIOLATION OF DOUBLE REPORTING. THEY ARE REPORTING AS A PROFIT LOSS TO IRS AND REPORTING INACURRATE/UPDATING MONTHLY TO THE CREDIT BUREAUS AGENCIES. 

TRANSUNION REPORTING : XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) EQUIFAX REPORTING : XXXX XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT XXXX ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) EXPERIAN REPORTING : XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX/XXXX/XXXX. ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
THE FOLLOWING CHARGE-OFF ACCOUNTS HAVE BEEN DEEMED AS A PROFIT LOSS ON MY CREDIT REPORTS. REQUESTED A COPY OF THE 1099C IRS FORM, DEBT VALIDATION, SIGNED CONTRACTS AND PAYMENT HISTORY. ACCORDING TO FCRA 15 USC 1681S-2 AND 15 USE 1681EB, THIS IS A VIOLATION OF DOUBLE REPORTING. THEY ARE REPORTING AS A PROFIT LOSS TO IRS AND REPORTING INACURRATE/UPDATING MONTHLY TO THE CREDIT BUREAUS AGENCIES. 

TRANSUNION REPORTING : XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) EQUIFAX REPORTING : XXXX XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT XXXX ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) EXPERIAN REPORTING : XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX/XXXX/XXXX. ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS )

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 2025-07-26 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: NY

Complaint narrative:
I have a few discrepancies of inaccurate information of a charge-off account reporting on my TransUnion credit report without ever recieving a XXXX Form, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Indebtedness IRS considers a charge-off account as income and I also know that income shall not be reporting on my consumers report with or without a balance.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have opened a Wells Fargo Checking Account on XX/XX/XXXX  with the Bonus Offer code that rewards {$320.00} into the checking account for qualified direct deposits of at least {$1000.00} total in the first 90 days of the account opening. I have already done that and it has been more than 170 days since then and I haven't received my bonus offer that they said will be offered within 30 days after the 90 day period. I've been calling customer support since the end of XXXX telling me that they are working on it and that my 90 day period somehow got moved to end until XX/XX/XXXX for some reason. But they haven't been giving me any meaningful information about the offer. The different customer service reps have been trying to skirt around my question of what's happening with the investigation about it for 2 months now and I'm done with it.

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 2025-07-26 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: OK

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

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 2025-07-26 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: DC

Complaint narrative:
b'EQUIFAX IS IN VIOLATION ACCORDING TO METRO 2 COMPLIANCE STANDARDS\nCERTIFIED MAIL RECEIPT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
Issue : Identity theft, fraudulent accounts ( XXXX  XXXX, XXXX, XXXX XXXX, Dept. of Education ) still on report, false late payments, incorrect personal info Desired Resolution : Permanent deletion of all unverifiable items, correction of late payments, removal of incorrect names/addresses Legal Basis : Violations of 15 U.S.C. 1681c2, e ( b ), i ( a ), s2 ( a ). Request deletion as per federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Robinhood closed my account, citing that I violated terms of service. They sold all of my securities without my permission, and made my money inaccessible for several weeks. When asked what I violated multiple times, they stopped communicating with me. I will now be forced to pay taxes on these assets that were sold without my permission, and missed out on several tens of thousands worth of return due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to get my free credit reports and why. Equifax stated I couldnt because I had a dispute and TransUnion mailed me a form requesting payment and stating my address which I tried to correct online was wrong. I was unable to upload my lease agreement on this site it exceeds the size limit. Experian and TransUnion are reporting different credit scores to me and to lenders see attached. Im having issues trying to update my information even though Ive submitted the documents they requested. I want to know what other credit score are being reported to agencies or lenders. I wouldnt apply if I knew my true scores.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
FORMAL COMPLAINT LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : [ Insert Your Email ] \ Date : [ Insert Date ] To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( TransUnion, Experian, Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ).

On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX  XXXX bankruptcy without court-verified sourcing Over XXXX unauthorized and unverifiable hard inquiries Accounts XXXX in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law.

Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items.

I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : [ Insert Your Email ] XXXX Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission XXXX FTC XXXX Ohio Attorney Generals Office 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 2025-07-26 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: OH

Complaint narrative:
FORMAL COMPLAINT LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : [ Insert Your Email ] \ Date : [ Insert Date ] To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( TransUnion, Experian, Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ).

On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX  XXXX bankruptcy without court-verified sourcing Over XXXX unauthorized and unverifiable hard inquiries Accounts XXXX in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law.

Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items.

I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : [ Insert Your Email ] XXXX Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission XXXX FTC XXXX Ohio Attorney Generals Office XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
FCRA violtions not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$15000.00} Status Account charged off. {$18000.00} written off. {$15000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$9400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never worked here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief