vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-07-25 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:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.

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 2025-07-25 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:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.

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 2025-07-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of Unknown - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion for failing to properly investigate and correct inaccurate payment history information reflected in my credit reports. Despite submitting multiple disputes, including XXXX over 35 days ago, followed by a second formal submission, I have yet to receive any legitimate documentation verifying the accuracy of the reported late payments. 

This dispute has been submitted personally and directly by me, XXXX XXXX XXXX, without the involvement of any third party. I am asserting my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), which require that the credit bureaus maintain accurate and complete consumer information and conduct lawful reinvestigations of disputed data. 

Despite these obligations, the following accounts continue to reflect inaccurate late payment history : Disputed Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Late Payment ( Open ) Nature of the Dispute : These reported late payments may constitute billing errors under 15 U.S. Code 1666 ( b ) due to the following issues : Failure to properly credit on-time payments Accounting or processing errors by the creditor Failure to send billing statements at least 21 days prior to the due daterendering any reported late payments legally invalid Violations by the Credit Bureaus : To date, none of the XXXX major bureaus have : Provided the method of verification used for these disputed entries Identified the name and contact information of the data furnishers Supplied any supporting documentation used to justify the continued reporting of the late payments These omissions are clear violations of : 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 7 ) failure to provide method of verification upon request

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I used to score around XXXX on my FICO score for a whole year and then it went down to around XXXX for the last 6 months or longer. Nothing substantial has happened. It makes absolutely no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 writing to formally dispute certain items listed on my credit report. After reviewing my credit file, I found unauthorized inquiry/ accounts that I did not authorize, initiate, or have any business relationship with. These items appear to violate the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( f ), codified at 15 U.S.C. 1681b ( f ).

The following accounts/inquiry appear to be in violation of this statute, as
I did not grant permission for their inclusion or initiate any transaction with the parties listed : List of Disputed Items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 writing to formally dispute certain items listed on my credit report. After reviewing my credit file, I found unauthorized inquiry/ accounts that I did not authorize, initiate, or have any business relationship with. These items appear to violate the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( f ), codified at 15 U.S.C. 1681b ( f ).

The following accounts/inquiry appear to be in violation of this statute, as
I did not grant permission for their inclusion or initiate any transaction with the parties listed : List of Disputed Items : 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

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I put some crypto in my robinhood account for {$150.00} and my account suddenly got locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-25 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: NY

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-25 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: NY

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX, and I have received multiple threats from civil court attorneys. My personal information has been compromised, and an intruder has unlawfully entered my apartment in XXXX, XXXX. An activist has persistently engaged in the court system by leveraging the XXXX XXXX to pursue my private information. This activist has utilized their professional character to maintain their position while targeting both my son and me. The landlord used multiple of resource to share my information with other arbitrary parties that I did not consent, but continued to use those arbitrary parties to gain access of political votes to help the district or the council to enhance XXXX and social economic votes.This activist has leveraged their professional persona to uphold their stance while directing their efforts against both my son and myself. The landlord employed various resources to disseminate my information to other unrelated parties without my consent, yet persisted in utilizing these unrelated parties to secure political votes aimed at assisting the district or the council in improving XXXX and socio-economic voting outcomes.

I have reached out to several bankruptcy law firms and organizations for assistance with my situation. Regrettably, I have been directed to an organization where communication with lawyers is challenging, and the intake specialists are not providing support for my case. Instead, they seem to prefer cases that will benefit the organization or their district. The financial district is tainted by the presence of certain intake employees.

Ive received numerous threat letter from debt collectors to pay off. Currently, I am not working and I do not receive unemployment benefits
from department labor. Ive contacted Financial Justice immediately when I served with papers from XXXX XXXX XXXX. A Sheriff, who is a XXXXXXXX XXXX XXXX XXXX employee and City Marshals who is not employee by the city but rather works independently. There is a list of Marshals XXXX XXXX XXXX  Marshals of names and contact information. It is open to the public. After the assault on my son I do not feel comfortable how the state continued to launch legal programs to enhance XXXX and social economic by using corrupt mob lawyers in the court. Ive been harassed by bankruptcy admission clerk employees in Civil Court in XXXX. XXXX XXXX XXXX XXXXXXXX has been giving information to the public and continues to put peoples life in jeopardy. It is very easy for a court employees, attorneys and law enforcement to use my information on E-file and serve the papers to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Bank is illegally reporting an account that was dismissed in court on XXXX Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report information they know is inaccurate, and under FDCPA 807 ( 2 ) ( A ), they can not misrepresent the legal status of a debt.

Despite the court dismissal, Discover continues to furnish this false information to XXXX XXXX XXXX XXXX damaging my creditworthiness. I have attached proof of the court dismissal and evidence of ongoing reporting.

I am requesting immediate removal of this account from all credit bureaus.

And a update of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I am filing this complaint because multiple fraudulent accounts and unauthorized hard inquiries have appeared on my credit reports, severely damaging my credit. I have filed a formal dispute with all three credit bureaus and provided identity theft documentation, including my government-issued ID, Social Security card , lease agreement, and screenshots of fraudulent data. 



Accounts That Are Fraudulent or Incorrect : 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 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 IL Employer : XXXX XXXX XXXX XXXX XXXX  Attachments Provided : Formal Dispute Letter Government-Issued Photo ID Social Security Card Lease Agreement Identity Theft Evidence ( screenshots ) Requested Resolution : I request the CFPB ensure all three credit bureaus conduct a full investigation and delete all inaccurate and fraudulent data within XXXX  days. If not resolved, I will escalate this to the FTC, Illinois Attorney General, and legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am filing this complaint because multiple fraudulent accounts and unauthorized hard inquiries have appeared on my credit reports, severely damaging my credit. I have filed a formal dispute with all three credit bureaus and provided identity theft documentation, including my government-issued ID, Social Security card , lease agreement, and screenshots of fraudulent data. 



Accounts That Are Fraudulent or Incorrect : 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 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 IL Employer : XXXX XXXX XXXX XXXX XXXX  Attachments Provided : Formal Dispute Letter Government-Issued Photo ID Social Security Card Lease Agreement Identity Theft Evidence ( screenshots ) Requested Resolution : I request the CFPB ensure all three credit bureaus conduct a full investigation and delete all inaccurate and fraudulent data within XXXX  days. If not resolved, I will escalate this to the FTC, Illinois Attorney General, and legal counsel.

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 2025-07-25 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:
Upon reviewing my credit reports I found a surmount of inquiries on my report in which I did not authorize. All these inquiries are in fragment on my credit reputation. Trying to obtain new credit with these unauthorized inquiries led to embarrassment and blemish on my credibility and I was denied credit. Please correct this according to thein accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602A Which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states : No customer reporting agency may take any customer 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.

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 2025-07-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief