vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
IMMEDIATE ACTION REQUIRED : Identity Theft Fraud Block - XXXX XXXX XXXX ( FCRA 605B ) To Equifax : This is an urgent request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I, XXXX XXXX XXXX, demand that you block the following fraudulent information from my credit report within 4 business days of receiving this complaint. This information is the direct result of identity theft and fraud. 

The fraudulent accounts include : XXXX : Collections account from XXXX, balance $ ( private ), linked to a personal loan.

These are fraudulent collections appearing on my FICO credit report, a copy of which is attached for your review. 

I did not open, authorize, or make any transactions on these accounts. They are entirely the product of identity theft and fraud. 

As proof, I've included my official FTC Identity Theft Criminal Complaint # ( private case number ). 

I expect these fraudulent items to be removed from my credit report immediately, as is my right under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Robinhood closed my account and sent my money to an old bank account that no longer exists. The money went back to the robinhood account. I asked them to send the money to my ally account on file and they refused to even acknowledge my plea for help. They just said we will not help you. It's literally a click of a button and they refuse to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is XXXX  to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed this account on XX/XX/year> and it was rightfully removed by XXXX XXXX, XXXX. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n Chase-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 filing this complaint against Equifax for willfully and/or negligently reporting inaccurate information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Is not my debit. I have never lived in XXXX, FL. 



This violates my rights under : 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to remove unverifiable information from my report after reinvestigation.

15 U.S.C. 1681n : Willful noncompliance with the FCRA, making them liable for damages, costs, and attorneys fees.

15 U.S.C. 1681o : Negligent noncompliance with the FCRA, also allowing for recovery of actual damages.

The agency has not provided sufficient evidence of the accuracy of the disputed item ( s ), nor have they removed the inaccurate entries. As a result, I have suffered negative impacts on my creditworthiness and access to financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
As this inquiry was made without my consent, I am requesting its prompt removal. I ask that a full investigation be conducted to verify the legitimacy of this inquiry. Should you find that the inquiry was made without proper authorization, I expect this entry to be deleted immediately and my report updated to reflect only factual and permitted data.

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 2025-06-20 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: FL

Complaint narrative:
Complaint Summary Second Filing : Unauthorized Mortgage Inquiries Not Properly Justified This is a new complaint regarding mortgage-related credit inquiries that were not properly justified by the companies involved. 

XXXX XXXX claims I submitted a loan application on XX/XX/year>, through their platform and authorized a credit pull. I do not recall authorizing such action, and I request that XXXX be required to provide full documentation of the alleged authorization : the signed XXXX XXXX form, IP address, timestamp, and verification method used. 

XXXX XXXX  initiated a credit inquiry through XXXX on XX/XX/year>. I never applied for a loan with XXXX XXXX  and did not authorize them to access my credit. I request a full investigation under FCRA XXXX regarding the validity and permissible purpose of this inquiry. 

XXXX XXXX has reported inquiries on XX/XX/XXXX and XXXX, XXXX, but has not provided clarity on which lender initiated the request or proof of my authorization. 

None of these inquiries are related to my actual mortgage, which was originated with XXXX XXXX XXXX  and is currently serviced by XXXX. 

These inquiries are harming my credit profile and were not authorized by me. I respectfully request that the CFPB require these companies to provide full proof of authorization or delete the inquiries across all credit bureaus.

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 2025-06-20 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:
Complaint Summary Second Filing : Unauthorized Mortgage Inquiries Not Properly Justified This is a new complaint regarding mortgage-related credit inquiries that were not properly justified by the companies involved. 

XXXX XXXX claims I submitted a loan application on XX/XX/year>, through their platform and authorized a credit pull. I do not recall authorizing such action, and I request that XXXX be required to provide full documentation of the alleged authorization : the signed XXXX XXXX form, IP address, timestamp, and verification method used. 

XXXX XXXX  initiated a credit inquiry through XXXX on XX/XX/year>. I never applied for a loan with XXXX XXXX  and did not authorize them to access my credit. I request a full investigation under FCRA XXXX regarding the validity and permissible purpose of this inquiry. 

XXXX XXXX has reported inquiries on XX/XX/XXXX and XXXX, XXXX, but has not provided clarity on which lender initiated the request or proof of my authorization. 

None of these inquiries are related to my actual mortgage, which was originated with XXXX XXXX XXXX  and is currently serviced by XXXX. 

These inquiries are harming my credit profile and were not authorized by me. I respectfully request that the CFPB require these companies to provide full proof of authorization or delete the inquiries across all credit bureaus.

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 2025-06-20 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: LEXISNEXIS
State: MD

Complaint narrative:
LexisNexis has repeatedly refused to authenticate my identity despite furnishing all requested documents ( drivers license front/back, SSN card, utility bill ). They have initiated a reinvestigation under FCRA 611, but refuse to provide any reinvestigation detail or my full consumer disclosure until authentication. This denial violates my rights under FCRA 609, 611, 1681e ( b ), and the Gramm-Leach-Bliley Act ( GLBA ).

Laws Violated FCRA 609 : Right to full consumer disclosure.

FCRA 611 : Requirement to conduct reasonable reinvestigations once consumer provides identifying information.

FCRA 1681e ( b ) : Duty to maintain maximum possible accuracy of data.

GLBA Sec. 501 ( b ) : Obligation to implement safeguards for consumer data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Reporting and Failure to Verify Late Payment Violation of the XXXX and FCRA I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a follow-up to a dispute I personally submitted 35 days ago, concerning inaccurate payment history reporting on my credit file. I am not using a third party ; this dispute is being submitted directly by me, a natural person, in accordance with my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

The account listed below is still inaccurately reflecting late payments, even though I filed a billing error dispute based on the provisions of 15 U.S. Code 1666 ( b ), which include : Failure to properly apply a payment or credit to the account Errors in computation or accounting Failure to provide timely ( 21-day ) notice before applying late fees or reporting delinquency To date, I have not received any documentary evidence proving the accuracy of the reported late payments. In accordance with federal law, if the creditor can not substantiate the claim that I was late, the information must be corrected or removed from my report. 

Disputed Account : XXXX XXXX Late Payment ( Open ) Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at an account opened at XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : An unknown suspect obtained my name and Social Security number by unknown means. The suspect then used that information to open unauthorized accounts and make unauthorized credit inquiries. The fraudulent accounts appearing on my credit report include : XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not open XXXX authorize any of these accounts or inquiries, nor did I ever communicate with the creditors or entities listed . These accounts and inquiries were fraudulently opened using my personal identifying information and have been reported on my credit file without my consent.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft report, I am entitled to statutory damages of {$1000.00} per violation.

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 2025-06-20 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 was advised by the FTC to submit this complaint. Numerous accounts have been appearing on my credit report for several years. As of right now i only have the information that's available on XXXX XXXX. To begin. " XXXX XXXX XXXX '' date fraud began XX/XX/XXXX balance {$7500.00}. " XXXX XXXX '' ( XXXX XXXX  ) date fraud began XX/XX/XXXX balance {$1600.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX balance {$670.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX balance {$5800.00}. " XXXX XXXX XXXX XXXX  '' date fraud began XX/XX/XXXX balance {$4800.00}

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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised by the FTC to submit this complaint. Numerous accounts have been appearing on my credit report for several years. As of right now i only have the information that's available on XXXX XXXX. To begin. " XXXX XXXX XXXX '' date fraud began XX/XX/XXXX balance {$7500.00}. " XXXX XXXX '' ( XXXX XXXX  ) date fraud began XX/XX/XXXX balance {$1600.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX balance {$670.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX balance {$5800.00}. " XXXX XXXX XXXX XXXX  '' date fraud began XX/XX/XXXX balance {$4800.00}

Company response to consumer: Closed with non-monetary relief