vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
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 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a valid identity theft block request under FCRA 605B to Trans Union regarding a fraudulent account reported by XXXX XXXX XXXX XXXX. I provided all required items : 1. A police report 2. Government-issued ID and proof of address 3. A written request identifying the fraudulent account and requesting a block Instead of honoring my request as required by law, Trans Union conducted a reinvestigation by contacting the furnisher and then responded that the information was verified. This is a clear violation of FCRA 605B, which mandates that the bureau must block the information within four business days and may not reinvestigate once a proper identity theft request is made. 

I never authorized or requested a reinvestigation. I specifically requested that the fraudulent account be blocked under 605B. I am requesting that the CFPB ensure Trans Union follows the law and immediately blocks the XXXX XXXX XXXX account from my report. I also want confirmation that Trans Union has corrected their internal procedures to prevent future violations.

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 2025-07-16 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: MD

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block and remove from my consumer credit report all information that is the result of identity theft and fraud. This request is being made with the understanding that, per the law, you are required to take action within XXXX ( XXXX ) business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of multiple personal credit card accounts, personal loan accounts, and collection entries that were not opened, made, or authorized by me. Specifically, these fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Number : ( private ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account Number : ( private ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account Number : ( private ) XXXX XXXX Opened XX/XX/XXXX Account Number : ( private ) XXXX XXXX Personal Loans Opened XX/XX/XXXX and XX/XX/XXXX Account Numbers : ( private ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple accounts opened between XXXX and XXXX Account Numbers : ( private ) These fraudulent accounts have resulted in multiple fraudulent hard inquiries and negative collections reporting appearing on my consumer FICO credit report. I've attached a copy of my current TransUnion credit report showing these unauthorized accounts and inquiries. 

I do not recognize any of the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me. They are the result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Report # XXXX as proof from the Federal Trade Commission that all of the above-mentioned consumer credit accounts, collections, and hard inquiries are fraudulent.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XXXX  Last Name : XXXX Address : XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$41000.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$41000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$520.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
the balances are not being reported correct to the 3 credit bureau this is the most up to date information bureau has not updated since XX/XX/year> and i am apply for business credit citicard reported XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$460.00} creditone XXXX bal of XX/XX/year> {$0.00} XXXX XXXX XXXX bal as of XX/XX/year> {$95.00} XXXX XXXX XXXX bal as of XX/XX/year> {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
XX/XX/XXXX, XXXX : Robinhood Financial LLC , a registered broker dealer with clearing services through Robinhood Securities LLC , a registered broker dealer, sent me an email stating the following : We regret to inform you that after careful consideration, Robinhood will no longer support your account.

Managing your account closure : You can liquidate and transfer any remaining assets in your Robinhood account This email was sent without any context, warning, or reason listing why the brokerage account is being closed. This email was a complete surprise, forcing me to scramble to create an account with another broker to shift my stock holdings. I am not sure why my account is facing closure as I havent violated any of the terms of use or conditions.

Thank you for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have personal checking account in chase and they wanted to close my account with out any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am a victim of identity theft. Starting in [ insert approximate month/year ], fraudulent Affirm loans totaling approximately {$1500.00} were opened in my name and reported to XXXX. 

I have taken all legally required steps : Filed a police report and FTC Identity Theft Affidavit. 

Submitted both to Affirm and XXXX, along with written disputes and supporting documentation. 

Contacted all merchants involved. XXXX and XXXX confirmed these transactions were not made by me, and XXXX agreed to refund Affirm. 

Provided Affirm with all merchant communications, police and FTC reports, and additional evidence. 

Despite this, Affirm continues to report these fraudulent loans on my credit file. I have repeatedly requested removal, but Affirms responses are inconsistent and conflicting. They have not removed the accounts or resolved the matter, and have not provided written confirmation to me, XXXX, or regulatory agencies. 

My credit has been severely harmed, and I have been denied a student loan as a result. 
All relevant documentation and correspondence have been uploaded and provided to Affirm, XXXX, and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of thud debt and did not have the opportunity to dispute this account. If you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-16 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 declare under penalty of perjury I am alleging that a person or company as a result of the Equifax data breach used from unauthorized use used my personal identifying information including my social security card and number to apply for goods services and money and was successful in creating some accounts. I have no knowledge of this and all is being Investigated by the ftc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I'm a relatively new customer. My first complaint is the time it takes to make a deposit. When writing a check from another institution, the transaction completes ( funds removed ) from sending account, yet it takes up to a week to show up in nfcu. I understand that they have to verify the transaction, but the time is excessive. Next is making a transfer of funds from nfcu checking to nfcu credit card. When making this transaction, the funds are immediately from the sending account and it takes up to a week to post to credit card. My other credit union accounts make this transaction immediate. XXXX understand this is a common complaint at nfcu and they've been fined for this activity. As a new resident, I had planned to move my banking to nfcu. I will now be closing my accounts and finding a reputable financial institution. Thanks for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NV

Complaint narrative:
I was trying to purchase a house and I realized I had damages on my credit report according to 15 U.S.C 1681 law there shouldnt be any damages on my report its a defamation to my character.

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 2025-07-16 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My wallet and my phone were stolen from my car. In my phone was my bank debit card pin and my debit card was used without my authorization or knowledge for over {$4200.00}. I have explained everything to the bank and offered all proof including video but they refused to accept it and they just denied my claim without reviewing my documents

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
This is a formal consumer complaint requesting immediate investigation and permanent removal of illegally reported collection account being reported by the following third-party debt collector : XXXX. Eastern Account System I Amount : {$310.00} Opened : XX/XX/XXXX Status : Collection account ( Updated XX/XX/XXXX ) Reporting to all major credit bureaus without proper validation or authorization. 

Also reporting with no verifiable chain of custody or documentation proving debt ownership. 


Basis for Dispute and Relief Requested : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the reporting entities above are required to : Notify the consumer within 5 days of placing the account for collection ( 15 U.S.C. 1692g ( a ) ) ; Provide full written validation of the alleged debt upon request ( which was not done ) ; Cease collection activity and reporting if the debt is disputed or validation is not produced ; Accurately report only debts that are verified, valid, and owed and they have failed to do so here.

These entities are debt buyers or third-party collectors who failed to comply with validation requirements and can not provide : Original signed contract or application showing liability for the debt Full itemized accounting Chain of assignment from the original creditor Proof they are authorized to collect or report the debt to any consumer reporting agency ( CRA ) Additionally, I never received any dunning letter or notice of collection within XXXX days of placement, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation