vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
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 XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian, Equifax, TransUnion, XXXX XXXX, and XXXX XXXX are reporting inaccurate, misleading, and unverifiable negative information on my credit report in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ).

I have disputed these items directly, provided documentation, and the companies have failed to correct or delete the false data. I am requesting full deletion of the inaccurate tradelines. Supporting documents are attached. 


I also would like to add XXXX XXXX and XXXX XXXX  as companies as it would not allow me to add them, however, I was unsure if I needed to, so I opted to just include the XXXX pertinent reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have an collections amount reported from this company from an identity theft and release of leaked information. I noticed this transaction on my report in a total amount of {$6000.00} owed. I have no knowledge of this account as that it came to my attention on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

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! 


XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$34000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$520.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$290.00} XXXX XXXX  # XXXX XX/XX/XXXX - {$190.00} XXXX  XXXX # XXXX XX/XX/XXXX - {$210.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX - {$350.00} XXXX  # XXXX XX/XX/XXXX - {$280.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-11-19 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: OH

Complaint narrative:
Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy.

However, this account shows late payments after the charge-off date, which is not accurate.

A charged-off account is considered closed for active billing, therefore : No new due dates can exist No new late payments can occur No additional delinquencies should be reported after the charge-off date These late payments are factually impossible, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy.

However, this account shows late payments after the charge-off date, which is not accurate.

A charged-off account is considered closed for active billing, therefore : No new due dates can exist No new late payments can occur No additional delinquencies should be reported after the charge-off date These late payments are factually impossible, and must be removed.

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 2025-11-19 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-11-19 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: TX

Complaint narrative:
I am submitting this letter as a formal written dispute regarding inquiries reported on my Equifax, Experian, TransUnion credit report. These inaccuracies include my name, address, and certain credit inquiries. Under federal law, Equifax, Experian, TransUnion is obligated to ensure the accuracy of all information in my credit file and to block unverifiable or inaccurate information. These inquiries do not belong to me and must be removed or blocked immediately to restore accuracy to 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 non-monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy.

However, this account shows late payments after the charge-off date, which is not accurate.

A charged-off account is considered closed for active billing, therefore : No new due dates can exist No new late payments can occur No additional delinquencies should be reported after the charge-off date These late payments are factually impossible, and must be removed.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Upon receiving an email from Robinhood regarding the complaint I filed, it seems like Robinhoods response is largely focused on explaining their internal processes related to my account restrictions and eventual deactivation, but they're not directly addressing the core issue Ive raised : the unauthorized transactions and missing funds. 

The way they frame their response, they emphasize the closure of the account and my alleged lack of cooperation in providing requested information, but they do not acknowledge or apologize for the unauthorized withdrawals that I flagged as the real issue. 

From my perspective, their response could come off as dismissive of my actual complaint about fraudulent activity and the financial loss I experienced. They seem to be deflecting the responsibility of addressing the unauthorized access or potential fraud, instead focusing on their procedural justifications for closing my account. This could be interpreted as mishandling my case, especially considering the seriousness of unauthorized transactions and the potential loss of funds. 

Here are a few points that stand out from their response : 1. Lack of Acknowledgment of Unauthorized Transactions : Robinhood doesn't directly mention the fraudulent transactions or the fact that funds were taken from my account without authorization.

2. Focus on Account Closure : They're concentrating on the closure of my account and the process around that, rather than focusing on how they plan to resolve the financial issue ( my lost funds ).

3. Missing Financial Resolution : There is no mention of how they intend to address my financial loss or reimburse me for the missing funds that were withdrawn from my account, which is the key issue. 

Ill start by clarifying that my complaint isn't just about the account closure, but specifically about the unauthorized transactions that resulted in the loss of funds. They must understand that this is my primary concern. 

While I may point out that while they have outlined the account review process, they have not acknowledged or addressed the actual financial loss I incurred due to fraudulent transactions. 

I would like to request specific details on how they are going to investigate the fraudulent withdrawals and recover my missing funds. If they claim to have performed a review, I would like transparency on how they handled that review in relation to the unauthorized activity. 

I would like to also express that I feel my concerns about the missing funds have not been taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$860.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
Fraudulent accounts were opened in my name without my authorization. These include multiple loans and credit cards, showing late payments, past-due balances, and charge-offs. I did not open or use these accounts. I contacted the credit reporting agencies to dispute these accounts and requested investigations to remove inaccurate information. The fraudulent activity has caused financial stress and potential harm to my credit. I am seeking assistance to correct my credit reports and prevent further unauthorized use of my personal information.

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 2025-11-19 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: MD

Complaint narrative:
Fraudulent accounts were opened in my name without my authorization. These include multiple loans and credit cards, showing late payments, past-due balances, and charge-offs. I did not open or use these accounts. I contacted the credit reporting agencies to dispute these accounts and requested investigations to remove inaccurate information. The fraudulent activity has caused financial stress and potential harm to my credit. I am seeking assistance to correct my credit reports and prevent further unauthorized use of my personal information.

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 2025-11-19 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft.These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15U.S.C.1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this Breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am submitting this complaint regarding my XXXX  XXXX XXXX XXXX account, which is being reported inconsistently and inaccurately across Experian, Equifax, and TransUnion, resulting in materially misleading information on my credit reports. Experian lists the account as Late Open with a balance of {$10000.00}, an open date of XX/XX/XXXX, and a date reported of XX/XX/XXXX ; Equifax reports it as Late Open with the same balance and open date but a reported date of XX/XX/XXXX ; TransUnion shows a last activity date of XX/XX/XXXX, with multiple late payments, including XX/XX/XXXX as 30 days late and XXXX through XX/XX/XXXX as 60 days late. These discrepancies, including conflicting late payments and reporting dates, demonstrate that the account is inaccurately and incompletely reported, misleading potential creditors and violating my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must maintain maximum possible accuracy, and under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], they must investigate and correct any inaccurate or incomplete information within 30 days of a dispute. The account furnisher also has a legal duty under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] to report accurate information, which has clearly not been met. Additionally, I am entitled under FCRA 609 ( a ) [ 15 U.S.C. 1681g ( a ) ] to full disclosure of all information in my credit file, and under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ], any corrections must be communicated to all parties who received the inaccurate information. The combined effect of these violations produces a materially misleading credit history that must be corrected immediately, with remedies available under FCRA 616-617 [ 15 U.S.C. 1681n-1681o ] for willful or negligent violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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