vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-16 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: FL

Complaint narrative:
I am disputing several charge-off accounts and multiple inquiries that are inaccurately appearing on my credit report.Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts reflect balances that are inconsistent with my records. Some balances appear inflated or duplicated across multiple XXXX  XXXX XXXX entries. These charge-offs are being reported without proper verification, and in some cases, they continue to appear even after resolution efforts. Such reporting is misleading and unfairly damages my credit profile. 
Inquiries Numerous hard inquiries are showing on my report from lenders and retailers, including auto finance companies and retail creditors. I did not authorize many of these inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries lack a permissible purpose under the law, and their presence harms my credit score and access to fair credit.Federal consumer protection laws require that all reported information be accurate, verifiable, and based on consumer consent. The current reporting practices by these furnishers and creditors are not compliant with those obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing several charge-off accounts and multiple inquiries that are inaccurately appearing on my credit report.Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts reflect balances that are inconsistent with my records. Some balances appear inflated or duplicated across multiple XXXX  XXXX XXXX entries. These charge-offs are being reported without proper verification, and in some cases, they continue to appear even after resolution efforts. Such reporting is misleading and unfairly damages my credit profile. 
Inquiries Numerous hard inquiries are showing on my report from lenders and retailers, including auto finance companies and retail creditors. I did not authorize many of these inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries lack a permissible purpose under the law, and their presence harms my credit score and access to fair credit.Federal consumer protection laws require that all reported information be accurate, verifiable, and based on consumer consent. The current reporting practices by these furnishers and creditors are not compliant with those obligations.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-09-16 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: FL

Complaint narrative:
I am once again reaching out regarding the continued inaccuracies that remain on my credit file, despite my previous disputes. I have carefully reviewed my report, and what I see reflected there does not represent my financial history or the reality of my obligations. This is not only misleading but also harmful to my ability to move forward. 
One of the items still showing is a charged-off account connected to XXXX XXXX XXXXXXXX XXXX The reporting of this account is problematic, as it reflects a balance of {$2400.00} and yet there is an absence of a 1099-C, which is required when a debt above {$600.00} is charged off or forgiven. The presence of this account in its current form is inaccurate and misleading, which brings me back to the protections under FCRA 607 ( b ), which demands maximum possible accuracy when information is furnished or retained in a consumers credit file. The continued presence of this account without supporting compliance documentation is in direct conflict with that requirement and should be removed. 
In addition, I must again address the inquiry from XXXX XXXX dated XXXX XXXX XXXX. This inquiry was made without my knowledge or permissible purpose, and its presence is improper. The FCRA 619 15 U.S.C. 1681q makes it clear that no person shall knowingly and willfully obtain information from a consumer reporting agency under false pretenses. Likewise, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) prohibits the obtaining of a consumer report without a permissible purpose, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) specifies the limited conditions under which a report can be legally accessed. The inclusion of this inquiry is therefore both unjustified and unlawful, and I am requesting its removal.

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 2025-09-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TN

Complaint narrative:
I have someone in XXXX charging My card my card XXXX times total of around XXXX in charges that were not me I reported the card stolen and just got my replacement card but what about the money that was stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing the accuracy of several items on my credit report. 
XXXX is reporting as an open late account with an alleged balance of {$250000.00}, which is not accurate, nor has it been validated with supporting XXXX XXXX XXXX is reporting XXXX separate charge-off accounts with {$0.00} balances. If there is no balance owed, continuing to report these accounts as derogatory charge-offs is misleading, inaccurate, and unfairly damaging to my credit profile.My credit report also shows multiple hard inquiries on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries, nor did I submit a credit application to these entities. These inquiries lack a permissible purpose and negatively affect my credit standing.Under federal law, furnishers and credit reporting agencies are required to ensure that all information they report is accurate, complete, verifiable, and based on permissible purpose. The current reporting violates those standards and continues to cause harm to my ability to obtain credit fairly.

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 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I had requested to take out a loan of {$1800.00}. I normally would not do this but I was in a foreign country and needed the funds then. I had not gotten paid until today and had planned to pay in full once I received my paycheck. The company was sneaky in not including the 512 % interest rate which would add on another XXXX XXXX 

The 512 % interest rate is illegal in XXXX. I have sent several emails to them requesting additional information. It is impossible to get in contact. I will pay in the full {$1800.00} to get this done and over with. It will not allow me to pay in full online and I can not get in contact with them. 

First email : Dear Three Sticks Lending, I am requesting the full payoff amount for my loan, Loan # XXXX, dated XX/XX/year>. Please provide : The exact payoff balance if paid in full today, A breakdown of any principal, interest, and fees included in that balance, and Instructions for submitting payment to close this account in full. 

I intend to resolve this account promptly. Please also confirm in writing that once the payoff payment is received, the loan will be considered satisfied and closed with no further obligation. 

For your awareness, I reside in XXXX, where interest rates on loans of this size are capped at 36 % APR under state law. While I understand that Three Sticks Lending operates under tribal authority, I reserve my right to file complaints with the XXXX  Department of Financial Protection and Innovation ( DFPI ), the Consumer Financial Protection Bureau ( CFPB ), and other regulatory agencies if necessary. 

That said, my goal is to resolve this account quickly and amicably. Please send me the accurate payoff balance today so I can close this loan. 

Sincerely, 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 2025-09-16 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$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 explanation
Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
I am disputing a debt being pursued by Credence Resources Management regarding an account allegedly opened XX/XX/year> with {$660.00} owed to XXXX XXXX XXXX. This debt is false and invalid. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I requested written verification of the debt, but Credence Resources Management has failed to provide sufficient documentation. Their continued attempts to collect without validation violate my rights under 15 U.S.C. 1692g.

Additionally, this debt has been reported to the credit bureaus. Reporting unverifiable or inaccurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I am disputing a debt being pursued by Credence Resources Management regarding an account allegedly owed to XXXX XXXX XXXX. I believe this debt is false and invalid. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I requested written verification of the debt, but Credence Resources Management has failed to provide sufficient documentation. Their continued attempts to collect without validation violate my rights under 15 U.S.C. 1692g. 

Additionally, this debt has been reported to the credit bureaus. Reporting unverifiable or inaccurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing the accuracy of multiple late payment entries reported on my credit fileXXXX shows a 30-day late in XX/XX/XXXX despite my records showing on-time payment, and the balance is already {$0.00}, making this entry misleading and harmful.XXXX reflects multiple late payments between XX/XX/XXXX and XX/XX/XXXX that are inconsistent with my payment history and were not properly verified before being reported.XXXX  reports numerous late payments from XX/XX/XXXX through XX/XX/XXXX, including extreme notations of XXXX and XXXX  days late, which do not match my actual payment records.These inaccurate late entries misrepresent my payment history, harm my credit score, and impede my ability to access fair lending. Under federal law, furnishers must ensure that all information reported to consumer reporting agencies is accurate, complete, and verifiable. Reporting unverified or inaccurate late payments violates these obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing the accuracy of multiple late payment entries reported on my credit fileXXXX shows a 30-day late in XX/XX/XXXX despite my records showing on-time payment, and the balance is already {$0.00}, making this entry misleading and harmful.XXXX reflects multiple late payments between XX/XX/XXXX and XX/XX/XXXX that are inconsistent with my payment history and were not properly verified before being reported.XXXX  reports numerous late payments from XX/XX/XXXX through XX/XX/XXXX, including extreme notations of XXXX and XXXX  days late, which do not match my actual payment records.These inaccurate late entries misrepresent my payment history, harm my credit score, and impede my ability to access fair lending. Under federal law, furnishers must ensure that all information reported to consumer reporting agencies is accurate, complete, and verifiable. Reporting unverified or inaccurate late payments violates these obligations.

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 2025-09-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the correction of a late payment inaccurately reported on my credit file. My payment history confirms timely payments, and this entry is erroneous. Its continued presence misleads creditors and harms my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX, Despite having received all required documents, TransUnion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX  has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Unable to log on to my acct. its no icon whereas I can get what I need done that is to log on my acct. thank you

Company response to consumer: Closed with explanation