vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
On XXXX around XXXXXXXX XXXX  XXXX, I called XXXX XXXX to request a credit limit increase on my XXXX XXXXXXXX. I specifically asked the representative whether the request could be processed using a soft inquiry, as I did not want a hard inquiry on my credit report. The representative explicitly told me that was fine and stated that if a hard inquiry were required, she would ask for my consent first. 

She proceeded with the credit limit increase and informed me that my limit was successfully raised from {$7500.00} to {$13000.00}. At no point did she disclose that a hard inquiry would be performed, nor did she request my permission. Immediately after the call ended, I received an Experian alert showing that XXXX XXXX had placed a hard inquiry on my credit report. 

I called XXXX XXXX back right after receiving the alert. The new representative told me that the first representative had misinformed me and should have told me a hard inquiry would occur. He then directed me to Experian. When I called Experian the next morning ( XXXX ), their representative told me that only XXXX XXXX can dispute and remove an unauthorized inquiry, and that Experian can not delete it without XXXX XXXX confirmation. 

I then called XXXX XXXX XXXX XXXX and was repeatedly told the opposite, where Experian must dispute or remove the inquiry. I am being sent back and forth between XXXX XXXX and Experian with no resolution and no party taking responsibility. 

I did not authorize XXXX XXXX to perform a hard inquiry, and I was explicitly told that I would be asked for consent if one was needed. I have call recordings documenting the conversation with the XXXX XXXX representative who processed the credit limit increase. 

I am requesting that the CFPB require XXXX XXXX to investigate this unauthorized hard inquiry and notify Experian to remove it 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a " Notice of Mortgage Payment Change '' ( dated XXXX XXXX ) for my " fixed '' rate mortgage... it says " thank you for contacting us regarding the escrow account associated with your mortgage loan. '' ( I did NOT, however, contact them )... It goes on to say they are increasing my monthly payment by {$4.00}, as of XXXX XXXX XXXX.... I have a fixed rate and proof that I have been paying the same monthly up until now for this mortgage. How can a bank do this??? When I refinanced quite a few years ago, my payment was set at {$470.00} and I have been paying that ever since ( never have I been late )... they are changing it to {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I was notified that my Robinhood account was restricted. After finding out my account was restricted I followed every step and requirement asked of me. Shortly after completing everything asked of me I noticed that I had a notification saying my review would be finished by XX/XX/XXXX. XX/XX/XXXX came and passed and I can not get an answer as to what is going on. 

I have tried email, phone, and live chat. Most recently Robinhood has hung up on me and disconnected my live chat access. 

I can only believe that Robinhood is stealing my money at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am a consumer who is in the process of fixing my credit. I am disputing the following accounts that have been reported inaccurately. Below is a list of the accounts in question, separated by bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00}

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 2025-12-03 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: GA

Complaint narrative:
I found inaccurate and unverified information on my credit reports. My file shows a late payment reported by XXXX XXXX XXXX XX/XX/XXXX, but I was never provided any documentation proving that a payment was actually due and unpaid on that date. No billing statement, payment ledger, or delinquency notice has ever been supplied. I also discovered a hard inquiry from XXXX Card dated XX/XX/XXXX that I did not authorize. I disputed these items with the credit bureaus and the companies involved, but no documentation was provided to validate the accuracy of the late payment or to prove that I gave permission for the credit inquiry. Under the Fair Credit Reporting Act, furnishers must maintain and provide evidence that supports any derogatory information they report, and credit inquiries require clear permissible purpose and consumer authorization. Since no proof was provided and the bureaus still reported these items as verified, the information remains inaccurate and has negatively impacted my credit.

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 2025-12-03 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 a consumer who is in the process of fixing my credit, and I would like to dispute several accounts listed on my credit report. Below are the accounts in dispute, organized by each bureau : Charged Off Accounts : US Dept Ed, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX US Dept Ed, Account Number : XXXX US Dept Ed, Account Number : 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 2025-12-03 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: NC

Complaint narrative:
Dear Sir/Madam, I am a consumer working diligently to repair my credit and dispute the following accounts that I believe are reported inaccurately or require further investigation. Please review the details below for each credit bureau. 

Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} Inquiries 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, Date : XX/XX/XXXX XXXX AUTO, Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-12-03 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 not connected to these accounts, and they need to be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to dispute several items in the personal information section of my Equifax consumer file. Under the Fair Credit Reporting Act, sections 603, 605, 609, and 611, I have the right to accurate, complete, and verifiable reporting. The following information is inaccurate or no longer valid and must be corrected or deleted. 

XXXX. Incorrect Name Please correct my legal name to : XXXX XXXX Remove all other variations, including any name containing a middle initial or middle name that is not my legal name. These versions are neither accurate nor authorized. 

XXXX. Remove Incorrect Employment Entries The following employers should not be included in my file and must be removed : XXXX XXXX XXXX Temp These entries are outdated and no longer serve any permissible purpose. They fail FCRA accuracy requirements under section 611 ( a ). 

XXXX. Remove Outdated Addresses The following former addresses must be deleted from my file : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX These addresses are outdated and no longer associated with my current identity verification. Reporting outdated identifying information increases the risk of mixed-file errors and does not serve a permissible purpose under section 607 ( b ). 

FCRA Obligations The FCRA requires consumer reporting agencies to maintain maximum possible accuracy. Any item that is incomplete, inaccurate, outdated, or unverifiable must be removed within 30 days. If you can not verify these entries with the original source data, they must be permanently deleted under section 611 ( a ) ( 5 ). 

Please complete a full reinvestigation and send me written confirmation of each correction. 

Sincerely, XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1500.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$7000.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$500.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX UNIVERSAL TO - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX is reporting and open and unsatisfied account with Navy Federal for a credit card and an outstanding balance. I am forwarding you legal information proving that that account was paid and satisfied in XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 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: WI

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX XXXX XXXX  balance {$2500.00} account number XXXX open XX/XX/year>. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX Contact : 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 2025-12-03 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-12-03 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 response to consumer: Closed with explanation