vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: ME

Complaint narrative:
I am filing this complaint because Experian has refused to correct or delete inaccurate and unauthorized information on my credit report, despite my providing clear evidence in multiple disputes. Experians failure to take corrective action violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611 ( a ), and 604 ( a ). 

One of the most damaging entries is XXXX XXXXXXXX XXXX XXXX, Date Opened XX/XX/year>2024, Balance {$1700.00} * *, which is being reported with a late payment that never happened. I have bank statements and payment records that clearly prove my payments were made on time. Under FCRA 607 ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy, and under FCRA 611 ( a ) ( 1 ) ( A ), they must conduct a reasonable reinvestigation upon dispute. Despite my repeated requests, they have not provided any proof from the furnisher verifying this alleged late payment, yet they continue to report it. This has lowered my credit score and caused me to be offered less favorable loan terms, resulting in financial harm. 

My credit file also contains several unauthorized hard inquiries that I never approved : XXXX XXXX XX/XX/year>2024, XXXX XXXXXXXX XXXX2024, and XXXX XXXX XXXX/2024. Under FCRA 604 ( a ) ( 2 ), a consumer report can only be accessed with my consent or for a permissible purpose. I never applied for any credit product, mortgage, or loan with these companies on the listed dates, and Experian has failed to provide any signed applications or authorization forms linking me to these inquiries. These unauthorized inquiries are damaging my credit profile by creating the false impression that I am seeking multiple lines of credit. 

Experians repeated refusal to remove unverifiable and unauthorized information after multiple disputes is a direct violation of FCRA 607 ( b ) ( failure to maintain accuracy ), FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ), and FCRA 604 ( a ) ( permitting access to my report without permissible purpose ). These violations have caused measurable harm to my creditworthiness, limited my access to fair credit, and caused me to pay higher interest rates.

I am requesting that the CFPB investigate this matter and compel Experian to : Permanently delete the inaccurate XXXX  late payment entry.

Remove all unauthorized inquiries listed above.

Provide written confirmation of these deletions.

Ensure compliance with the FCRA to prevent future violations. 

I am attaching copies of my dispute letters, supporting documentation, and Experians inadequate responses for your review.

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 2025-08-12 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: LA

Complaint narrative:
Consumer Name ; XXXX 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 EXPERIAN 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 an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, An auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan opened at XXXX  on XX/XX/XXXX under the account number XXXX.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 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 XXXX 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 2025-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX//2025 hard credit pull on my credit report priority XXXX  XX/XX//2025 oXXXX XXXX  XXXXXXXX XXXX/2025 capital one XX/XX/2025 XXXX  XXXX XX/XX/2025 XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OK

Complaint narrative:
These negative items on my credit are inaccurate & I do not recognize them.

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 2025-08-12 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-12 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: Hunt & Henriques
State: CA

Complaint narrative:
Today XX/XX/XXXX I called XXXX  XXXX about my charged off account ending in XXXX. XXXX XXXX has been lying on my credit report by reporting I have never made payments, this is a BIG lie and I have made payments. XXXX  XXXX representative ID XXXX was unprofessional by creating legal terms he is not qualified to interpret. XXXX XXXX is causing false information to get circulated by their employees affecting my case which is settled with their illegal tactics employed to cause harm to my credit due to their greed driven desires. XXXX XXXX put me on hold for 30 minutes and hung up which is less than friendly when I as their customer try to fix this issue which they themselves have caused over the years. 
XXXX XXXX employs illegal tactics and report LIES and false information to all Credit bureaus for their greed desires. I have asked XXXX XXXX to look into their attorney who violated my rights by distributing my personal information to criminals on the dark web, XXXX XXXX has also employed this tactic for years ever since I became their customer in XXXX it has started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 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: AR

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 explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
I am disputing unauthorized hard inquiries on my credit report. I did not apply for credit with these companies, and under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), there was no permissible purpose for them. I have already reported this to the FTC and request that these inquiries be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: GA

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 15 U.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 : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My Robinhood account ( XXXX ID : XXXX ) has been restricted since XX/XX/year>, preventing me from accessing {$2000.00} of my own funds. I have provided Robinhood with full written responses to their compliance questions, a government-issued ID, proof of address, and screenshots of recent transactions that match my account activity. There has been no suspicious or unauthorized activity. 

Despite multiple follow-ups via email, in-app messages, and social media, I have not received a clear explanation for the continued restriction or a timeline for resolution. This is causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Equifax regarding multiple negative items on my credit report, as well as unauthorized inquiries and inaccurate personal information. My dispute was based on discrepancies and incorrect reporting that violate the Fair Credit Reporting Act ( FCRA ). 
To comply with FCRA identity verification requirements, I included a copy of my government-issued identification and proof of address to confirm that I was the one submitting the dispute. 
Despite these efforts, Equifax failed to respond to my dispute, which is a direct violation of FCRA Section 611 ( 15 U.S.C. 1681i ), requiring credit reporting agencies to conduct a reasonable reinvestigation and provide results within 30 days of receiving a consumer dispute. 
To ensure my rights are upheld, I mailed another dispute letter to Equifax on XX/XX/year>, again including all required documentation. My expectation is that Equifax will properly investigate my dispute in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$470.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1500.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9600.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$5500.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$410.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$1000.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$420.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$790.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$530.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$2900.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$220.00} XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$180.00} XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$50.00} XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$180.00} CCS XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$52.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I redeemed XXXX reward points ( {$300.00} ) from my FNBO XXXX credit card and requested a paper check. The agent said it might take a while, but I never received the check. I called FNBO on XX/XX/year>, and was told that the check was issued on XX/XX/year>. The agent, XXXX, said that since 90 days had passed, they couldn't reissue the checkeven though they admitted the check had never been cashed. 
I was transferred to customer service, and another agent claimed she didnt see my point balance history. She kept me on hold and then disconnected the call. 
In addition, I never received my XX/XX/year> statement by mail. I only avoided a late fee and interest by calling before the due date. 
FNBO has not resolved this despite my good-faith efforts.

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 2025-08-12 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Urgent Request for Manual Review Potential Limit Reduction on Account Ending in XXXX To Whom It May Concern, I am writing to formally request a manual review of my American Express account ending in [ XXXX XXXX XXXX ], which is currently under a periodic review and at risk for a limit reduction. 

I have been a responsible cardholder and have consistently met my payment obligations. In the last several months alone, I have made multiple substantial payments to my account, including but not limited to : {$500.00} on XX/XX/XXXX {$1800.00} on XX/XX/XXXX {$140.00} on XX/XX/XXXX {$400.00} on XX/XX/XXXX {$400.00} on XX/XX/XXXX {$49.00} on XX/XX/XXXX {$170.00} on XX/XX/XXXX {$390.00} on XX/XX/XXXX In addition, I have already provided proof of my current income as requested. My income remains stable, and my payment history demonstrates that I am actively and consistently managing my account in good standing. 

Given these facts, I respectfully request that my account be reviewed based on my actual payment performance and verified income, rather than solely on automated risk models. A limit reduction at this time would not reflect my true risk profile and could have a negative impact on my credit utilization ratio and credit score. 

I am requesting : 1. A pause on any credit limit reduction until a human analyst has reviewed my account in detail.

2. Written confirmation of the decision and the data used to reach it.

I value my relationship with American Express and hope to continue it under fair and accurate credit evaluation practices.

Thank you for your prompt attention to this matter. I am available at [ phone number ] or [ email address ] to discuss this further. 

Sincerely, XXXX

Company response to consumer: Closed with explanation