vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$680.00} XXXX XXXX XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3 DEPT OF ED XXXXXX/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 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-26 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX, Experian, Equifax, and Transunion for inaccurate and unlawful reporting of a late payment on my credit report. Despite multiple disputes, XXXX XXXX continues to report my XXXX, XXXX, XXXX, and XXXX payment as XXXX  days late. As of todays date, it is only XX/XX/XXXX, making it factually impossible for the XXXX payment to be XXXX  days past due. This is been going on for the past XXXX month with all my payments. This reporting is visibly inaccurate, misleading, and damaging to my credit standing. I have disputed this error multiple times directly with XXXX XXXX and through the credit bureaus. Instead of correcting the obvious inaccuracy, XXXX XXXX and the credit bureaus keep updating the same false information, in clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information and correct errors promptly. This false late payment is negatively impacting my credit score and overall financial standing. I request that the CFPB investigate this matter and compel XXXX XXXX to immediately correct my credit report to accurately reflect the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX, Experian, Equifax, and Transunion for inaccurate and unlawful reporting of a late payment on my credit report. Despite multiple disputes, XXXX XXXX continues to report my XXXX, XXXX, XXXX, and XXXX payment as XXXX  days late. As of todays date, it is only XX/XX/XXXX, making it factually impossible for the XXXX payment to be XXXX  days past due. This is been going on for the past XXXX month with all my payments. This reporting is visibly inaccurate, misleading, and damaging to my credit standing. I have disputed this error multiple times directly with XXXX XXXX and through the credit bureaus. Instead of correcting the obvious inaccuracy, XXXX XXXX and the credit bureaus keep updating the same false information, in clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information and correct errors promptly. This false late payment is negatively impacting my credit score and overall financial standing. I request that the CFPB investigate this matter and compel XXXX XXXX to immediately correct my credit report to accurately reflect the payment history.

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 2025-10-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: WA

Complaint narrative:
My brokerage account was suddenly restricted from trading in XXXXXXXX XXXX without any clear explanation. I was informed through in-app messages that my account was under review and that restrictions would remain until XX/XX/year>. 

I waited the entire week as instructed, but on XX/XX/XXXX, the company sent another message stating that they need additional time to review my case without providing any reason, documentation, or updated timeline. 

This restriction has prevented me from buying or selling securities during a volatile market period, potentially resulting in financial losses. I repeatedly contacted their support team requesting an explanation and a resolution, but the responses have been generic and unhelpful. The app chat also does not allow users to respond freely ( for example, it blocks simple No responses ), making it difficult to communicate effectively. 

The company has not provided any legitimate reason for freezing my trading access, nor disclosed when it will be restored. This indefinite and unexplained restriction has caused financial harm and raises concerns about unfair and nontransparent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a complaint about Wilshire consumer credit for improper application of payments on my California title loan. I made eight payments ; three payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were posted entirely to interest and did not reduce my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Due to a XXXX XXXX XXXX I was late by a few days to make a payment, I think when the account was set up they made it purposefully unclear and difficult to make payments so one might have been late but I believe they took the late fee off. I called to make the payment as I couldnt access the account online and they said they had to send a new card, I noticed there were incorrect charges and that someone must have stolen my card information. They said I couldnt make any disputes until I had the new card. I did not receive a card, I received a notice that my account was closed. I then received a letter that my email was undeliverable, the address they had listed was correct and I have been receiving emails. I am not able to access any account information, they keep hanging up and not listening to me on the phone and they are completely corrupt and abusing their power. My credit rating has been severely impacted which makes it so that I can not move nor have access to other banking opportunities. Their treatment has been not only financial abuse, but XXXX  and XXXX  harm as I am prevented from moving while my dog has XXXX XXXX and I need to get her to a better location. This situation is disgusting, they are aware and laughed when I said I was making a complaint and said they have their own legal team and dont care.

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 monetary relief
Consumer complaint received 2025-10-26 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: MT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX -Balance {$5500.00} -Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX -Balance {$12000.00} -Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX -Balance {$8700.00} -Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX -Balance {$12000.00} -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 non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
I have received phone calls multiple times a day demanding payment for a debt that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain
ing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the
following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$1200.00} UNAUTHORIZED INQUIRIES : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I have received phone calls multiple times a day demanding payment for a debt that I never had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: MI

Complaint narrative:
On XX/XX/year>, I completed the required credit counseling for a Chapter XXXX bankruptcy in the XXXX XXXX XXXX XXXX The XXXX XXXX  in question was included in that bankruptcy filing. Between XXXX XXXX XXXX the credit bureaus confirmed that all bankruptcy remarks ( Chapter XXXX Bankruptcy and Bankruptcy XXXX ) were removed from my XXXX account. 

Despite this, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL XXXX ) began contacting me through multiple email addresses including XXXX and XXXX about this same Upstart account, offering payment options and financial freedom plans. 

This collection activity occurred after the bankruptcy discharge, which may violate the discharge injunction under 11 U.S.C. 524 and the Fair Debt Collection Practices Act ( FDCPA ) 809. Additionally, since the account was already disputed and removed, any further collection or reporting lacks a permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-26 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: OH

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$680.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$420.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
on XX/XX/2025 I requested for my dad to be validated to Williams and rush. It is the XXXX day and they have failed to validate this debt but said that they validated this day to experience but credit bureau and Williams and rush send me any of the document that I requested for validation

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation