vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX Error - XXXX  XXXX XXXX ) : The address they have on file is not mine. Reporting this address constitutes inaccurate personal identification information under XXXX XXXX Format, and must be corrected or removed under FCRA Section 609 ( c ) and CDIA Data Reporting Guidelines.

Potential Mixed File or Identity Misassociation : The presence of this address and account on my report may indicate a mixed file, which is a serious violation of the FCRA. I am not responsible for debts associated with individuals residing at or affiliated with that Virginia address. I request an immediate reinvestigation and correction. 

Verification Failure Request - XXXX  Compliance : Per XXXX Code 001 and Code 112 If the furnisher can not substantiate full account documentation ( including promissory note, address at time of origination, and ID used ), the account must be immediately deleted. 


Account is marked >Collection< yet also appears as Open and Closed simultaneously a contradiction in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

No payments have been received, yet account shows an updated status inconsistent with XXXX XXXX  XXXX. 

Reporting a closed date of XX/XX/XXXX while still updating as of XX/XX/XXXX is a reporting error under XXXX XXXX Time Frame Compliance.

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 2025-08-05 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: RI

Complaint narrative:
{ XXXXXXXX XXXX XXXXXXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { Customers First & Last Name }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX XXXX }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: RI

Complaint narrative:
{ XXXXXXXX XXXX XXXXXXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { Customers First & Last Name }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX XXXX }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Ava Finance, Inc
State: PA

Complaint narrative:
Ava Finance is furnishing my personal financial information to the credit bureaus but the information is incorrect. XXXX XXXX XXXX XXXX are reporting different late payments for different months. One account can not report three different ways. Furthermore I dispute I was ever late. Ava Finance also did not provide me with necessary disclosures that federal law states I am entitled to. I must be given a chance to opt out of my information being shared. I would like Ava to provide me with proof that they sent me the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was never notified by phone, email, or mail that I owed XXXX XXXX XXXX  any money. I was then harassed and called repeatedly by Pro Inc Collect. I requested written letter with information be mailed to my current address with information about the debt owed. This information was never mailed to me. I believe the debt that XXXX XXXX XXXX sent to collections was done so fraudulently.

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 2025-08-05 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: MI

Complaint narrative:
I am reporting XXXX fraudulent accounts that are being inaccurately reported on my Equifax credit file. 
XXXX. XXXX XXXX Account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$470.00}. I received a letter directly from XXXX XXXX stating they would be removing this account from my credit report. I submitted this letter to Equifax, yet the account is still being reported. I am resubmitting the letter along with this complaint. 
XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$3700.00}. This account is fraudulent, and I have no knowledge of it or any dealings with this company. 

I have previously disputed both accounts and submitted the necessary supporting documentation, including an identity theft report and an affidavit. Despite this, Equifax has failed to conduct a proper reinvestigation and continues to report these inaccurate and fraudulent accounts in violation of my consumer rights under the FCRA and other applicable laws. I am requesting the immediate removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: KS

Complaint narrative:
I was a victim in a crypto scam and right after it happened I didn't really know what to do so I called my bank and disputed it to see if they were able to do something the disputes were not in my favor which is fine but they added chargebacks to my account on Robinhood of {$110.00} {$51.00} {$500.00} {$31.00} {$220.00} {$330.00} with a total of {$1200.00} XXXX explained this to Robinhood this was a temporary deficit because the dispute were not in my favor and would be reversed on XX/XX/year> but they didn't listen and restricted my account on Robinhood they won't let me add anymore money to my account I can't transfer any of my crypto to another broker and they were in the process of closing down my account and selling my stocks and crypto without my consent to cover the deficit and they got rid of my ability to talk with support and live chat about these matters I can't transfer any only sent emails and they don't even tell me anything I see this happening all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C 1681c-2 ) that you, experian credit reporting agency, block any information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of credit card accounts from XXXX XXXXXXXX on XX/XX/XXXX. A collection account from XXXX XXXX XXXX on XX/XX/XXXX. A account from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. Two separate accounts from XXXX on XX/XX/XXXX and XX/XX/XXXX. These accounts have resulted in several fraudulent accounts and collections on my credit report. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my credit report maintained by you were not opened or initiated by me. 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 accounts and collections are the results 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 2025-08-05 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: PA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) To whom it may concern, I noticed that XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge card, but XXXX reports as a credit builder account, not a charge card. This is an incorrect account type classification. 

Please correct the account type to reflect the accurate product, or delete it if it can not be properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-05 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:
b'I am submitting to follow up complaint for the third time regarding the continued presence of incomplete, and/or unverifiable items on my credit report. Despite my previous disputes, these items remain uncorrected or unresolved. I am exercising my rights under FCRA  611(a)  15 U.S.C.  1681i(a), which grants me the right to dispute any information I believe to be incorrect, and which requires your agency to delete the information unless it is verified within 30 days.\nI request that you conduct another reinvestigation of the following items and provide written verification of their accuracy. If you are unable to verify any of the information within 30 days, you are legally obligated to delete it from my credit file.\nDisputed Items:XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT Youre attempting to collect/report debt thats invalid and in violation of my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX. 

Has previously received their reporting of this debt due to the nature of it being invalid. Its safe to assume that they then sold it to you to cut losses. Unfortunately, this is a warning for you. If you continue the cycle, you will be held responsible for penalties in relation to damages if this pattern continues with another collections company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JPMCB Card Services Account # : * * XXXX wrote off open balance on XX/XX/year> as a profit and loss with the IRS. Because of this, JPMCB is responsible to supply me with a XXXX so I can write the open balance off as an income with the IRS. Now balance is reflecting incorrectly on my report. In addition to my XXXX request, I also request that JPMCB supply a copy of the original application that was used to establish the closed account ending XXXX. 

I have made these request before but JPMCB have denied supplying the documents even those these documents a needed to prove account with open balance is not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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