vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account XXXX : XXXX * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX COLLECTION SV - Account Number : XXXX * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX. XXXX XXXX - Account Number : XXXX * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * XXX, Date Opened : XXXX XXXX XXXX, Balance : {$870.00} UNAUTHORIZED COLLECTION - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account XXXX : XXXX * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX COLLECTION SV - Account Number : XXXX * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX. XXXX XXXX - Account Number : XXXX * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * XXX, Date Opened : XXXX XXXX XXXX, Balance : {$870.00} UNAUTHORIZED COLLECTION - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Subject : Formal Complaint Regarding Inaccurate and Harmful Reporting XXXX XXXX  Account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX  ) To whom it may concern, I am writing to formally file a complaint against the reporting of an account from XXXX XXXX  appearing on my credit reports with Equifax, XXXX, and XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX 

Issue Summary : This account is inaccurately reported and contains multiple discrepancies that are negatively impacting my credit profile, in violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Below are the specific issues identified : Inconsistent Reporting Across Bureaus : Last Activity Date is inconsistent : Equifax : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened is not uniform : EquifaxXXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXXXXXX  Terms : XXXX  reflects 36 months, while Equifax and XXXX  display 0 months, which is contradictory and misleading. 

Payment History : Equifax and XXXX  both report 90-day late payments inaccurately for multiple months, while XXXX  shows consistent OK status. 

Account Is Reported as Open Despite Discrepancies : The account shows active despite contradictory terms, payment patterns, and inconsistent last payment and last reported dates ( XX/XX/XXXXXXXX  on Equifax and XXXX, but XX/XX/XXXX on XXXX ). 

Violation of My Rights Under Federal Law : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers must report accurate and complete information. These inconsistencies indicate a failure to maintain accuracy and consistency.

Per the Truth in Lending Act ( TILA ), I was never provided disclosures regarding this accounts terms, interest, and obligations, as required under 15 U.S. Code 1637.

The Gramm-Leach-Bliley Act ( GLBA ) mandates the protection and confidentiality of personal financial information. I did not authorize the reporting of this account, nor was I given proper notice or consent as required under GLBA sections 501502.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Subject : Formal Complaint Regarding Inaccurate and Harmful Reporting XXXX XXXX  Account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX  ) To whom it may concern, I am writing to formally file a complaint against the reporting of an account from XXXX XXXX  appearing on my credit reports with Equifax, XXXX, and XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX 

Issue Summary : This account is inaccurately reported and contains multiple discrepancies that are negatively impacting my credit profile, in violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Below are the specific issues identified : Inconsistent Reporting Across Bureaus : Last Activity Date is inconsistent : Equifax : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened is not uniform : EquifaxXXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXXXXXX  Terms : XXXX  reflects 36 months, while Equifax and XXXX  display 0 months, which is contradictory and misleading. 

Payment History : Equifax and XXXX  both report 90-day late payments inaccurately for multiple months, while XXXX  shows consistent OK status. 

Account Is Reported as Open Despite Discrepancies : The account shows active despite contradictory terms, payment patterns, and inconsistent last payment and last reported dates ( XX/XX/XXXXXXXX  on Equifax and XXXX, but XX/XX/XXXX on XXXX ). 

Violation of My Rights Under Federal Law : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers must report accurate and complete information. These inconsistencies indicate a failure to maintain accuracy and consistency.

Per the Truth in Lending Act ( TILA ), I was never provided disclosures regarding this accounts terms, interest, and obligations, as required under 15 U.S. Code 1637.

The Gramm-Leach-Bliley Act ( GLBA ) mandates the protection and confidentiality of personal financial information. I did not authorize the reporting of this account, nor was I given proper notice or consent as required under GLBA sections 501502.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
RE : Formal Dispute of Inaccurate Information - FCRA 611 SSN : XXXX DOB : XX/XX/XXXXXX/XX/year> Phone : ( XXXX ) XXXX Dear Credit Bureau, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I formally dispute the following inaccurate, unverified, and misleading information on my credit file. All items must be corrected or deleted immediately : # XXXX. INCORRECT PERSONAL INFORMATION ( FCRA 605 ) ONLY VALID ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX DELETE THESE ERRONEOUS ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX All variations of XXXX XXXX XXXX ( XXXX, OH XXXX ) All variations of XXXX XXXX XXXX ( XXXX, OH XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX # XXXX. INACCURATE ACCOUNTS ( FCRA 623 ) COLLECTION ACCOUNTS ( REQUIRE VALIDATION ) : XXXX XXXX XXXX ( {$1800.00} ) - No proof of debt XXXX XXXX  ( {$430.00} + {$690.00} ) - No signed agreement XXXX XXXX ( {$3300.00} ) - Incorrect charge-o CLOSED/PAID ACCOUNTS MISREPORTED XXXX XXXX XXXX ( {$400.00} XXXX XXXX Should show closed XXXX XXXX XXXX ( Multiple ) - Paid/closed, not negative XXXX XXXX XXXX  XXXX - Incorrect negative marks STUDENT LOAN XXXX XXXX XXXX XXXX  - Incorrect reporting # XXXX. UNAUTHORIZED INQUIRIES ( FCRA 604 ) # XXXX. MEDICAL BILLS ( HIPAA VIOLATIONS Any medical collections - Delete for non-compliance DEMAND FOR ACTION Per FCRA 611, you must within 30 days : Delete all unverified items Correct all inaccuracies Provide written results Update my file to reflect ONLY my valid address Failure to comply will prompt : CFPB/FTC complaints Legal action Enclosures : - Copy of OH Driver 's License - Utility Bill ( Proof of Address ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/scrub>XX/XX/XXXX  Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXXXXXX XXXX XXXX  failed to provide validation and proof of claim request requested. I have requested my original handwritten signature as well as the hardcopy photo ID showing that this account was opened in my name through the credit company that they purchased it from XXXX XXXX XXXX is a third-party debt collector trying to obtain a debt that is not owed to them nor do I owe it to the original creditor for it is a fraudulent account XXXX XXXX XXXX is violating the consumer protection law rights by posting to my credit report trying to collect on a debt that they purchased as a third-party debt collector the debt is a fraudulent account and is not even posted to all three of my credit reports from the original alleged creditor that they purchased it from there is no credit history from XXXX  XXXX on any of my reports. I am a victim of fraud and have been struggling with a lot of stuff thats been opened in my name even jobs have been obtained in my name so Im requesting XXXX XXXX XXXX to provide validation, as well as proof of claim again original handwritten signature and original hardcopy ID stating and showing that this account is mine otherwise demand for removal the documents they provided already are just billing cycle documents, which does not fall in the proof of claim of original signature and photo ID

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 2025-05-22 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Management Consultants
State: GA

Complaint narrative:
Company called Western Management XXXX has a person calling my phone over 20 times a day from XXXX threating me and stating that if I don't verify my information or if I don't give my address I will be harmed. I have received in the last 3 days over 40 calls from some woman stating I better call the XXXX number. I have asked repeated stop calling and when i call the XXXX number back it states its an investigation and does not receive calls. When I call the XXXX number they state that they hire a company to make all the calls and they are not the ones making the calls. This has interfered with my life. I am afraid and will be filing a police report. Now they are blocking the calling and calling over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX Transaction for {$45.00} at XXXX declined for unknown reasons despite having over {$400.00} of stored value on the card XX/XX/XXXX Called customer service, was told requirements to use card, which merchant met, then told they block certain merchants for my " security '' and to try using the card somewhere else. XXXX XXXX minutes on the phone going up the chain of managers and stonewalled the entire way. even worse, the first guy told me I could request a refund check and the last guy said they are unable to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request the reinstatement of certain accounts that were removed or marked as disputed in error on my credit report. These disputes were either submitted mistakenly or without my full understanding of the consequences, and I would like the records accurately reflected as they originally appeared prior to the dispute I am not disputing the validity of these accounts. I simply request that they be restored to their prior reporting status to ensure the accuracy and completeness of my credit file.

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 2025-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood two way authentication is failing and there is no customer support phone number or any other method to reach someone to resolve the issue. I sent an email and received a phone call the following day however, they were unable to help resolve the login issue. It has been one week since I was last able to access my account. I manage my own stocks and have not been able to make any changes to my account. This leads me to believe that Robinhood has stolen my money. I will peruse legal action if this issue is not resolved today.

Company response to consumer: Closed with explanation