vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable credit report. I request that these entries be reviewed, and if they can not be confirmed as correct, removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I transferred XXXX XXXX XXXX XXXX XXXX ) from my Robinhood account to my brothers XXXX account. 

XXXX later refunded the transfer because the recipient couldnt complete verification. The refund was automatically sent back to the same address that originally sent the coins Robinhoods custodial XXXX  wallet ( XXXX ). 

XXXX details : Original TxID : XXXX Refund XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robinhoods support team has confirmed several times in writing that they received the refunded XXXX into their custodial wallet, but they refuse to credit it to my account. They acknowledge that the funds are under Robinhoods custody but claim they can not recover them. 

It is important to note that this situation was not my choice or error. When I sent the XXXX, I did so from my own Robinhood account Robinhood automatically used XXXX of their internal custodial wallet addresses to process the transfer. I had no control over that wallet selection, and XXXX system could only return the refund to the same originating address ( Robinhoods ).

Therefore, Robinhood has full custody of the refunded funds and the technical ability to trace and credit them back to my account.

I respectfully request the CFPBs assistance to require Robinhood to escalate this case to their XXXX XXXX or XXXX XXXX team to properly locate and credit my account with the refunded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
This complaint is a continuation of CFPB case XXXX. XXXX regarding Citibanks mishandling of my late fathers accounts, for which I serve as trustee. Although the bank ultimately closed the accounts and issued checks for the remaining balances, Citibank failed to honor a reimbursement commitment made by its XXXX XXXX XXXX ( XXXX ) and continues to mishandle confidential communications. 

During the original complaint period, I made over 18 calls across more than five months to various Citibank departments. Each time, I was asked to resubmit identical trust documentation, affidavits, and identification materialsoften after being told the account closure was already in progress. Citibanks repeated errors caused unnecessary delays, frustration, and significant out-of-pocket costs on my part. 

I incurred over {$1000.00} in direct expenses, including : -Attorney fees to prepare a XXXX XXXX XXXX and XXXX Certification, -Notary and courier costs, and -Fees for shipping certified trust documents multiple times at Citibanks request. 

XXXX, a representative in Citibanks XXXX XXXX XXXX, explicitly assured me on XXXX XXXX XXXX that these out-of-pocket costs would be reimbursed once the accounts were closed and I had provided receipt copies ( also sent via email on XX/XX/year> ). Despite this commitment, Citibank has refused reimbursement and has minimized the extent of its repeated missteps, acknowledging only a single error on XX/XX/XXXX. 

In addition, Citibank has continued to send confidential trust documentation to a non-trustee family friend, despite repeated written and verbal clarification that I am the sole trustee and authorized contact. This constitutes a serious breach of privacy and fiduciary protocol. 

I respectfully request that the CFPB require Citibank to : - Acknowledge the multiple procedural failures and prolonged delays that occurred from XX/XX/year> through XX/XX/year> ; -Reimburse my documented out-of-pocket expenses of {$1100.00}, consistent with the assurance made by the XXXX XXXX XXXX  ; and -Investigate Citibanks ongoing privacy violations and ensure all future communications are directed solely to me as the trustee.

This complaint seeks proper accountability and fulfillment of Citibanks prior commitments. 

Previous CFPB Case Reference : 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 2025-11-03 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-03 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The deletion or blocking of accounts due to potential unauthorized inquiries and potential fraudulent activity is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts listed on my consumer credit report due to potential fraud or unauthorized activity. I demand verifiable proof, including my signature/electronic signature. This letter represents my rights under the Fair Credit Reporting Act Section 604 ( 15 U.S.C. 1681b ). These actions were initiated without compliant validation or original proof from the reporting companies. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-11-03 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:
Charged-Off / Negative Accounts to Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} Hard Inquiries to Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for a full investigation because I am not sure these inquiries and late payments were properly authorized or reported accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I am disputing inaccurate and outdated information appearing on my TransUnion credit report. 

Charged-Off Accounts XXXX Account # XXXX Charged off dated XX/XX/XXXX ; should be removed as it exceeds the 7-year reporting limit. 

XXXX Account # XXXX Charged off dated XX/XX/XXXX ; should also be removed as it is past the allowable reporting period. 

Unauthorized or Questionable Inquiries The following inquiries were not authorized or are questionable : 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 request these inquiries be verified for proper authorization or deleted if they can not be substantiated. 

Late Payment Reporting The following accounts contain reporting errors regarding late payments : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) Please investigate and update or remove any inaccurate late payment data. 

Summary Request to CFPB I am submitting this complaint to request assistance ensuring that each credit bureau : Conducts a thorough reinvestigation of the disputed items in compliance with the FCRA, Deletes unverifiable or outdated accounts and inquiries, and Updates all inaccurate payment information. 

I am committed to maintaining accurate and current credit information and appreciate the CFPBs assistance in ensuring that my consumer rights are upheld.

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 2025-11-03 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: MI

Complaint narrative:
I am filing this complaint because Equifax Information Services LLC failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) during and after my valid credit dispute. 

On XX/XX/2025, I mailed Equifax three separate disputes regarding inaccurate credit reporting.

USPS records confirm delivery to Equifax on XX/XX/2025. 

Despite having 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) to conduct a reasonable reinvestigation, Equifax prematurely closed all disputes on XX/XX/2025 only 13 days after receipt.

Equifax did not provide : Written reinvestigation results Documentation supporting verification Method of Verification as required under 1681i ( a ) ( 6 ) - ( 7 ) An updated credit report On XX/XX/2025, Equifaxs automated phone system stated that the XXXX XXXX XXXX XXXX XXXX XXXX account was deleted. Moments later, it contradicted itself and claimed the same account was verified as mine. 

On XX/XX/2025, Equifax continued reporting the account on my credit file despite informing me it had been deleted. 

Meanwhile, both XXXX  and XXXX  deleted the same account after reinvestigation, confirming the inaccuracy. 

Thus, Equifax has : Provided false and conflicting reinvestigation results Failed to remove inaccurate information Failed to provide required verification evidence Continued publishing derogatory information it represented as deleted Engaged in inaccurate and misleading reporting Caused measurable harm to my credit profile and mortgage preparation These actions violate, at minimum : 1681i ( a ) ( 1 ) 1681i ( a ) ( 5 ) ( A ) 1681i ( a ) ( 6 ) - ( 7 ) 1681e ( b ) 1681s-2 ( a ) ( 1 ) ( A ) 1681n / 1681o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-11-03 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-03 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-03 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: GA

Complaint narrative:
I kindly ask for your help in reviewing the following information that TransUnion is reporting about me. I am working hard to rebuild my credit, and I need assurance that no inaccurate or unverified information stays on my report. I respectfully request a fair reinvestigation of the items below. 

Charged Off / Collection Accounts in Dispute : XXXX/XXXX  Acct : XXXX Reported XX/XX/XXXX {$0.00} XXXX  XXXX  Acct : XXXX Reported XX/XX/XXXX {$0.00} Inquiries I Do Not Recognize or Did Not Approve : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Late Payment I Believe Is Incorrect/Inaccurate : XXXX Acct : 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