vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a collections account opened at XXXX XXXX on XX/XX/year> with a balance of {$4200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 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 2025-09-11 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:
My consumer credit file continues to contain erroneous and fraudulent entries that have persisted despite repeated efforts to have them corrected through proper dispute channels. These unauthorized accounts and transactions, which resulted from identity theft crimes committed against me, have created substantial personal hardship and emotional distress that affects my daily functioning. The ongoing presence of these illegitimate items on my report serves as a constant reminder of the violation I experienced and prevents me from accessing fair credit opportunities that should rightfully be available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This formal complaint addresses my concerns regarding questionable late payment entries that have surfaced on my credit profile during a recent review of my financial records. Following standard dispute procedures, I submitted written requests for verification to the relevant creditors over thirty days ago, yet have received no acknowledgment or documentation to support the validity of these reported delinquencies. The silence from these entities raises serious questions about the accuracy of their reporting practices and leaves me with unsubstantiated negative marks that are harming my credit profile without proper justification.

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 2025-09-11 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment information being reported on my credit file regarding the following account : Account Name : XXXXXXXX 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 2025-09-11 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 extremely upset to see that these inaccurate accounts are still appearing on my credit report, and they have not been removed even after all my efforts. I am begging for the documents Ive provided to be carefully reviewed so this nightmare can finally come to an end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 have a robinhood account and out of nowhere they canceled my account and told me they would let me have my money totaling in XXXX after there done with the investigation they stopped contacting me and wont answer my emails nor chat through the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my Experian credit file regarding the following account : Account Name XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$27000.00} Upon reviewing my credit report, I identified several discrepancies that must be investigated : 1. The account is being reported with multiple late payments ( 30, 60, 90, and 120+ days late ) which are inconsistent and unverifiable.

2. The payment status is listed as Late 180 Days, which is inaccurate and conflicts with the information reported by other credit bureaus. 
XXXX. The last payment on this account was made on XX/XX/XXXX, which does not support the extent of delinquency currently shown. 
4. The overall reporting of this account is inconsistent, with conflicting details across different bureaus, suggesting unreliable and inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-11 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:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this 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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Fraudulent ATM Withdrawals TD Bank Dear CFPB, I am submitting this complaint regarding TD Banks handling of a dispute I filed concerning fraudulent transactions on my account. 

On XX/XX/year>, there were a total of three unauthorized ATM withdrawals, each in the amount of {$400.00}, for a total of {$1200.00}. I did not authorize or conduct these transactions. 

I immediately reported the fraud to TD Bank and filed a dispute. However, TD Bank rejected my claim, stating that the reason was no other transactions were made after the card was reported. This reasoning is not valid, as the fraudulent activity clearly occurred prior to my report, and I followed the proper procedures by notifying the bank promptly. 

Under Regulation E ( Electronic Fund Transfer Act ), I am entitled to protection from unauthorized electronic fund transfers, provided I report them in a timely manner, which I did. TD Banks denial of my claim does not align with these consumer protection regulations. 

I respectfully request that the CFPB review this matter and assist in ensuring TD Bank properly investigates and resolves my dispute, and that the unauthorized charges of {$1200.00} are reimbursed to my account. 

Please let me know if you require any supporting documentation, including my dispute correspondence with TD Bank, account statements showing the fraudulent transactions, and proof of the date I reported the issue. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Hi, I am a 100 % XXXX veteran of the United States XXXX. I have a Veteran Affairs ( VA ) mortgage with Mr. Cooper in which I ran into financial hardship during COVID that caused me to be in a state where I couldn't afford to pay, We also were hit by a tornado last year that caused my family to be displaced while the state fixed utilities. I had to request financial hardship in which my payments were halted and caused me to owe roughly $ XXXX from the months of non-payment. Due to these financial hardships, it caused me to have to sell my home. I asked Mr. Cooper to send a payoff quote and they added $ XXXX in interest that isn't supposed to be on the payoff quote due to it being a VA backed loan and myself being 100 % XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate personal information that is currently being reported on my TransUnion credit file. Upon reviewing my credit report, I noticed the following incorrect name listed under my personal information : XXXX, XXXX, L This is not my legal name and has never been associated with me. I request that TransUnion immediately investigate this matter and remove the inaccurate name from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 

For your review, I have enclosed copies of documents verifying my correct legal name, including [ drivers license, Social Security card, utility bill, or other proof of identity ]. 

Please confirm in writing once this incorrect personal information has been deleted from 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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I made sent the wire transfer to XXXX XXXX XXXXXXXX XXXX on the XXXX of XXXX as a same day wire option My bank confirmed it was sent successfully but my XXXX  account wasnt credited after XXXX business days and I didnt get a refund back so far.. 
I sent them multiple emails and still didnt get a positive response, I reached out to them on XXXX XXXX XXXX XXXX concerning my ticket ID which is XXXX ).. 

I need them to please make a refund back into my bank account this has given me a lot of headache to the point that Im considering XXXX XXXX XXXXXXXX 

This is a whole lot of money and their support communication is so poor.. 

I havent received any positive response yet so far and my money is with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: WA

Complaint narrative:
TransUnion is reporting multiple inaccurate, unverifiable, and unauthorized items on my credit file, despite my disputes. These issues are especially concerning given the XX/XX/year> TransUnion data breach, in which XXXX XXXX consumers Social Security numbers, dates of birth, and other PII were exposed. This breach highlights systemic failures in safeguarding consumer data and makes strict compliance with the FCRA all the more critical. 

I am not claiming identity theft. I am disputing these items due to noncompliance with federal law and failure to verify through original-source documentation. 

1. Unverifiable Charge-Off ID XXXX XXXX XXXXXXXX XXXX Account # : XXXX TransUnion is reporting a charge-off tradeline from ID XXXX XXXX XXXX without producing a signed contract, credit application, or written consumer authorization.

This reporting violates FCRA 1681b ( a ) ( 2 ) ( no permissible purpose ).

It fails FCRA 1681e ( b ) ( maximum possible accuracy ).

FTC staff opinion letters confirm that unverifiable debts must be deleted, yet this account remains.

2. Inaccurate Late Payments TransUnion is reporting multiple late payments that are factually inaccurate, unverifiable, or misleading because they were allegedly reported during grace periods without timestamped proof or billing documentation. 

ID XXXX XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX ( XXXX XXXX  ) XXXX Account # XXXX ( XXXX XXXX  ) Capital XXXX Account # XXXX ( XX/XX/year>, closed account ) These late payments : Violate TILA 1666c ( grace period billing protections ).

Fail FCRA 1681e ( b ) ( accuracy ).

Constitute misleading reporting even if technically accurate because they lack full context.

Fail Metro 2 compliance standards ( field 17A, status codes, payment histories ).

Courts have held that misleading credit reporting, even if not technically false, violates the FCRA ( e.g., XXXX v. XXXX XXXX XXXX. ). 

XXXX. Broader Compliance Failures Failure to Reinvestigate : Under XXXX XXXX TransUnion and XXXX XXXX Trans Union ( class settlement, $ XXXX, finalized 2025 ), CRAs must perform reasonable reinvestigations. TransUnions reliance on automated systems like XXXX fails this legal standard. 

Failure to Provide XXXX of XXXX ( MOV ) : I specifically requested documentation ( contracts, billing statements, payment logs, timestamps ). TransUnion has not produced this. 

Failure to Remove Outdated Personal Data : My file still contains old addresses, alternate names, and unverifiable employment information, violating FCRA 1681a ( 4 ).

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Remove all fraudulent accounts and inquiries from the TransUnion data breach in XXXX XXXX, 2025. 

XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX {$150.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$8500.00}

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 non-monetary relief