vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am reaching out to express my concerns regarding several issues Ive encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, credit reporting errors, and billing discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
Im writing to express serious concerns regarding multiple issues identified on my credit report. Upon review, I discovered several discrepancies, including inaccurate account information, incorrect listings, and questionable inquiries. These errors present a significant threat to my financial stability, and I am requesting your immediate assistance in addressing them.

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 2025-04-19 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: PA

Complaint narrative:
Im writing to express serious concerns regarding multiple issues identified on my credit report. Upon review, I discovered several discrepancies, including inaccurate account information, incorrect listings, and questionable inquiries. These errors present a significant threat to my financial stability, and I am requesting your immediate assistance in addressing them.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Robinhood put my account on hold for 30 days with just saying they are reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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 am reporting multiple inaccurate and potentially fraudulent items on my credit reports, which I have disputed several times with Equifax, Experian, and TransUnion beginning around XX/XX/XXXX with the most recent disputes on XX/XX/XXXX. Despite providing documentation, these items remain unresolved. 

The disputed items include : 2 collection accounts that I do not recognize or believe to be valid 1 charged-off account with questionable reporting and no response to my dispute Approximately 15 late payments across various accounts that are either inaccurate or due to circumstances Ive previously explained 3 unauthorized hard inquiries that I did not initiate or approve I am also concerned that these issues may be connected to a data breach or identity theft, as I have seen unusual activity on my credit reports that I can not link to any of my personal financial actions. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct reasonable investigations. However, I believe these investigations have been inadequate, as the items have been marked verified without justification or transparency. 

I am requesting that the CFPB investigate these issues further, ensure a full and fair review of each item, and require the removal of any unverifiable or fraudulent data from my reports. I am also requesting that the bureaus provide a clear explanation of how each item was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-04-19 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of human trafficking. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the trafficking situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of human trafficking, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXX Auto Loan ( Account # XXXX * * * * ) - Opened on XX/XX/XXXX with a balance of $ XXXXXXXX XXXX ( Account # XXXX * * * * ) - Opened on XX/XX/XXXX with a balance of $ XXXXXXXX XXXX XXXX ( Account # XXXX * * * * ) - Opened on XX/XX/XXXX with a balance of {$1400.00}. These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of human trafficking. Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-19 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: NY

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-04-19 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: MS

Complaint narrative:
What happened : On [ XXXX ], I noticed several inaccuracies and unauthorized entries on my credit report. These include incorrect personal information ( such as old or unknown addresses and name variations ), unauthorized hard inquiries, and accounts that I do not recognize or that are reporting incorrect balances and payment history. 

I contacted the credit bureaus and the relevant financial institutions to initiate a dispute. I provided supporting documentation and requested a full investigation under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the incorrect items remain on my report, and I have not received a proper resolution or explanation within the required 30-day timeframe.

Additionally, I have not been notified of any updates or outcomes regarding the dispute status, which has negatively impacted my credit score and ability to obtain credit. 

Actions taken : Submitted dispute letters and documentation to all three credit bureaus ( Equifax, TransUnion, Experian ) Requested removal of inaccurate personal information Requested deletion of unauthorized inquiries and unverifiable accounts Contacted creditors directly for clarification Requested resolution : I am requesting immediate removal of all inaccurate, outdated, and unverifiable information from my credit report, including but not limited to : Outdated addresses and name variations Unauthorized or unverifiable hard inquiries Incorrectly reported accounts and balances Please confirm receipt of this complaint and provide an update within the timeframe allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
Transunion is not updating my credit report on my valid credit tradelines. On XX/XX/XXXX my XXXX credit card account was updated to a balance of XXXX dollars on XXXX, when Transunion still has my balance at XXXX dollars. XXXX  has reported my payment history for over 6 monthly payments beginning on XX/XX/XXXX to XX/XX/XXXX, and Transunion only has i from XX/XX/XXXX to XX/XX/XXXX. XXXX  has my last payment date at XX/XX/XXXX and Transunion has XX/XX/XXXX. XXXX is my XXXX XXXX XXXX XXXX  XXXX  is reporting a balance of XXXX dollars and Transunion is XXXX a balance of XXXX dollars. Then, XXXX  is reporting last payment date of XX/XX/XXXX and Transunion is reporting last payment date XX/XX/XXXX. Clearly their is a huge gap in Transunion updating their credit reporting and they are two months behind than the other bureaus which effect my credit worthiness and credit score.

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 2025-04-19 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: CL Holdings LLC
State: MS

Complaint narrative:
XXXXefferson Capital made changes to my report with out notifying me, which made my credit score decrease tremendously. They change my account from a charge off to collection and continued to report my account as collections without given me a notice of these changes. According to 15 U.S.C. 6802 : 1. Notice Requirements Financial institutions must provide customers with a clear and conspicuous privacy notice explaining what information they collect and how they share it. 
This notice must be provided when a customer relationship begins and annually thereafter.

2. Right to Opt-Out Consumers must be given a reasonable opportunity to opt out of having their nonpublic personal information ( NPI ) shared with nonaffiliated third parties ( i.e., companies not part of the same corporate group ). If the consumer opts out, the institution may not share that information with those third parties ( with some exceptions ).

3. Limits on Redisclosure Even when sharing is allowed, third parties can not further share the information, except in accordance with the original privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke with a lender trying to get a house. They said my credit score was way too low which is odd because I just recently got a car finance through my credit union and my score was XXXX. When I look at my free credit reports and the XXXX bureus I see that they have all the wrong personal information for me even though I have accounts with all of them. All of my active creditors and lenders have all of my up to date current information ( I have proof ). I called Experian to dispute all of the wrong information. There were XXXX different addresses for me ( I never recognized ) wrong phone numbers XXXX different variations of my name and more. 

The rep argued with me stating that " Its a variation or alias of your name its fine to have this on here '' to which I said " How? If it doesnt match my birth certificate, my DL License or even my social how can that even be me? I have wrongful information on my credit because you are allowing wrong personal information. This is fraud on your end as well. '' The rep did not dispute. This is a problem because all of my banks, credit unions, credit cards, Apartment Leases, etc has my full and proper name and addresses. This is not only harmful but wrongful reporting. The bureaus keep taking it off and re-adding it. 

This is harmful to me as a consumer as it ruins my opportunity to not only obtain a house but makes it impossible for me to qualify for anything else that can help me build better credit.

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 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$290.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$290.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open

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 2025-04-19 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation