vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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 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 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 2025-07-01 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are XXXX  my ability to obtain credit XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XX/XX/year> EXPERIAN

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 2025-07-01 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: NC

Complaint narrative:
Dear CFPB, I am filing this complaint due to numerous inaccuracies, discrepancies, and misreporting across my credit reports from Equifax and Experian, both dated XX/XX/XXXX. 

Here is a summary of the issues : XXXX XXXX XXXX ( formerly XXXX ) is reporting two charge-off accounts inconsistently across bureaus : One bureau reports the debts as " charged off and written off '', the other shows them as past due balances with active collections. 

There is also a discrepancy in lender address between Equifax and Experian. 

XXXX XXXX XXXX XXXX shows inconsistent payment history and delinquency reporting, potentially lowering my score unfairly. 

XXXX XXXXXXXX XXXX XXXX  shows different payment amounts and timing on both reports, including a {$100.00} payment reported only by Experian in XX/XX/XXXX. 

XXXX XXXX XXXX appears only on Equifax, despite being a very old account that was charged off in XXXX and is still being updated as active. 

XXXX XXXX XXXX ( XXXX ) appears only on Experian. I dispute the legitimacy of this debt, and no corroborating record exists on Equifax. 

Student Loans with the Department of Education are only reported on Experian, not on Equifax, despite being in good standing and actively paid. This underreports my positive payment history. 

Personal data inconsistencies : Multiple aliases and addresses appear across both bureaus, including addresses Ive never lived at. 

This could indicate potential file mixing or identity confusion. 

I request that the CFPB investigate these discrepancies and require the credit bureaus and furnishers to : Provide accurate, verified, and uniform reporting ; Remove unverifiable or outdated derogatory data ; Ensure compliance with the FCRA and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
Creditor :XX/XX/XXXX Account # : XXXX Reported By : Experian Credit Bureaus Ignoring This Account : XXXX Opened : XX/XX/XXXX Charged Off : XX/XX/XXXX Balance : {$920.00} ( 100 % usage ) Last Payment Date : XX/XX/XXXX Last Update : XX/XX/XXXX Status : Account charged off. {$920.00} written off. {$920.00} past due Reporting Duration : CO ( Charge Off ) every month from XX/XX/XXXX through XX/XX/XXXX Joint Account With : XXXX XXXX Key Violations : 1. Repeated Disputes Ignored ( FCRA 611 ( a ) ) I have disputed this account with Experian three separate times, and each time it has been marked as " verified '' without any explanation or supporting documentation. This violates the legal requirement to conduct a reasonable reinvestigation.

2. FCRA 609 ( a ) ( 1 ) No validation provided I have requested : The original signed credit agreement Itemized billing statements Charge-off breakdown Transaction and payment history None of this has been provided. You can not claim something is verified without showing the data behind it. 

3. FCRA 1681s-2 ( b ) False and conflicting data The account is listed as charged off and still past due this is factually conflicting and misleading. A charged-off account should not simultaneously show a past due balance unless its been re-aged, which is illegal.

Reporting CO every month for over 5 years violates Metro 2 rules charge-off status must only be reported once, not continuously.

4. Metro 2 Violation Improper status aging The account has 60+ months of CO statuses, which artificially inflates derogatory weight on my credit. This violates Metro 2 reporting guidelines. 

5. No Reporting from XXXX If this account was legitimate and verifiable, it would appear on all four credit bureaus. Yet XXXX is not reporting it at all, which raises red flags about the accounts validity and chain of custody. This inconsistency indicates the account is likely unverifiable or fabricated. 

6. Lack of Account in Dispute Notation Despite ongoing investigations and written disputes, Experian has failed to apply the mandatory consumer disputes this account notation, violating FCRA 611 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 2025-07-01 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: FL

Complaint narrative:
I recently reviewed my credit report and I noticed multiple inaccuracies. It is to my understanding that you can Investigate this account for accurate information, because it just doesn't seem right, across my 3 reports. Here is the account I need you to verify accurate : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I noticed multiple inaccuracies. It is to my understanding that you can Investigate this account for accurate information, because it just doesn't seem right, across my 3 reports. Here is the account I need you to verify accurate : 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and I noticed multiple inaccuracies. It is to my understanding that you can Investigate this account for accurate information, because it just doesn't seem right, across my 3 reports. Here is the account I need you to verify accurate : 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent multiple letters to Equifax and Experian credit bureaus disputing an item on my report. I have received no reply, no information about what they have investigated, no updates. This is completely unacceptable and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 am writing to formally express my concern regarding multiple unauthorized inquiries on my credit report made by various companies. These actions have negatively impacted both my credit profile and score. I previously reached out to your agency and was assured by a representative that these inquiries would be removed. However, they continue to appear on my report, and no corrective action has been taken. 
This lack of follow-through is deeply troubling. The continued presence of these unapproved and potentially fraudulent entries raises serious concerns about possible identity theft. The situation is causing significant emotional distress and ongoing financial harm.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I mistakenly transferred XXXX XXXX ( ~ {$6900.00} ) from my XXXX account to a Robinhood Wallet address that was shown in my app. The destination was an ETH-formatted address, but I was not warned that XXXX sent to this address would be irretrievable. 

The XXXX transaction was successful and is confirmed on the XXXX XXXX. I reached out to Robinhood support to request a recovery. They acknowledged the situation and expressed sympathy, but clearly stated that while Robinhood is in custody of the funds, they currently have no way to return it nor do they offer any escalation path or recovery process.

Robinhood 's interface did not clearly warn that the address was asset-specific or that funds would be lost if sent via another chain. Their aggressive marketing of XXXX  transfers led me to believe it was safe to use the wallet for such transfers. 

I believe Robinhood failed in their disclosure of risk and responsibility as a XXXX custodian. At minimum, they owe users : Clear and visible warnings before a transfer is initiated A transparent policy for asset recovery A documented explanation of why they are withholding funds in their custody I am requesting a formal investigation and accountability for platforms like Robinhood that promote XXXX use but offer no protection or process when avoidable mistakes happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: 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 XXXX XXXX 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 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