vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
XXXX did not send me statements. they claimed I switched to electronic delivery of statements but I never did and I never received statements. For a charge of {$30.00} they marked me as delinquent. A supervisor promised to rectify the issue and remove the delinquency from my credit report but then I received a letter that it wouldn't be done. I also reached out to XXXX XXXX XXXX  and received a rejection ( attached ).

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 2025-09-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-15 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-15 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: TN

Complaint narrative:
I don't have any knowledge of these fraudulent inquiries, nor did I authorize 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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Fraudulent accounts have been added to my credit report without authorization. I did not open these accounts, nor did I provide any consent for them. Their inclusion constitutes false reporting, misrepresents my financial history, and causes direct and unjust harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Account / Item : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX I was informed by Experian that the items listed above were verified. I do not believe this verification is valid. I believe this item is a result of identity theft, and I demand the full verification and investigation in compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i requirement to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of file information ; 15 U.S.C. 1681 ( a ) ( 5 ) ( B ) rules for reinsertion of information that was formerly deleted, including certification by the furnisher and written notice to the consumer. Because this involves identity theft, I also submitted my FTC Identity Theft Report, proof of identity, proof of address, and Social Security number. I understand that a police report is not required under FCRA for identity-theft block/deletion when appropriate documentation is provided. I now demand : The name, address, and telephone number of the furnisher who provided the item. The method of verification used, with all documents, records, or communications you relied on. A detailed description of how your investigation was conducted : what sources you checked, what was compared, how you determined that the item was valid.

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 2025-09-15 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-15 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: TN

Complaint narrative:
I don't have any knowledge of these fraudulent inquiries, nor did I authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am writing to formally express my frustration regarding the ongoing lack of access to Bank of America 's online servicesspecifically the Auto Pay feature. This service is promoted as a secure and reliable method for managing payments, yet I have been unable to utilize it for over two months. 
Despite multiple attempts to resolve the issue, I am now preparing to make my third payment over the phone through a call center, which requires me to disclose sensitive bank account information. This process is not only inconvenient but also raises serious concerns about security and privacy. 
Furthermore, I was recently issued a new credit card with the assurance that it would grant me full access to online banking. However, that promise has not been fulfilled access is still restricted. 
This situation is unacceptable and needs immediate attention. I expect a prompt resolution and full access to the services that were promised. 

Sincerely, 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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your recent application. Your request was carefully considered and we regret that we are unable to approve your application at this time for the following reason ( s ) : Eviction unsatisfactory Our decision was based in whole or in part on information obtained in a report from the consumer reporting agencies listed below. These consumer reporting agencies played no part in our decision and are unable to supply specific reasons for our decision on your application. 

You have the right, under the Fair Credit Reporting Act, to know the information contained in your file at the consumer reporting agencies. You also have a right to a free copy of your report from each consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the respective consumer reporting agency. 

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 If you have a question about this notice or the community " s rental standards, please contact the submitting property. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: TN

Complaint narrative:
Incorrect due date of XX/XX/year> was entered after modification was approved in XXXX. Called at the end of XXXX for correction. Told me it was put on IT's tracker for correction. It is now XXXX. It hasn't been corrected and my account is incorrectly showing XXXX  days past due on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Saturday XX/XX/XXXX my XXXX debit card was stolen out of my wallet. I turned the card off and reported it stolen through the flag star bank without moving any money into another account. So I dont have access to any of my money. On Sunday XX/XX/XXXX I tried reaching out to customer service and calling the bank only to realize I had to wait until Monday morning because the bank was closed. Monday morning XX/XX/XXXX around XXXX I began to call the bank and customer service again but couldnt get through I called about XXXX times. So I decided to call different flag star locations but they would go straight to voicemail. I then drove to the nearest flag star and when I arrived I seen a big sign on the door that said Bank Temporary Closed. I left the bank and tried to call XXXX XXXX Head Quarters 3 times and it sounded as if the lines were disconnected. Im not able to order a new debit card through the app and I cant talk to customers service, I have no access to any of my money!

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 monetary relief
Consumer complaint received 2025-09-15 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: MA

Complaint narrative:
On XX/XX/year>, Robinhood forcibly closed my brokerage account. At the time of closure, my account still had a balance of {$23000.00}. 

All of the funds in my Robinhood  account came from XXXX XXXX  XXXX XXXX debit account. XXXX  XXXX XXXX confirmed to me that they received an investigation request from Robinhood and reviewed the transactions. XXXX  found no issues on their side and confirmed that the funds had been properly transferred.

Robinhood previously represented to the CFPB that customer refunds would be processed within up to XXXX  days after account closure. However, it has now been over XXXX  days, and I still have not received my refund. 

I am a student, and this balance represents my entire income and savings. Robinhoods failure to return my funds has placed me in an extremely difficult financial situation, leaving me unable to cover essential expenses. The prolonged uncertainty and financial stress have also had a serious negative impact on my health.

Robinhood must be held responsible for failing to honor its commitments and for causing this undue hardship. I request the CFPBs assistance to ensure that Robinhood immediately refunds the full {$23000.00} and provides a clear explanation for this extended delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Multiple unauthorized credit accounts have infiltrated my consumer file as a direct consequence of identity theft crimes, and I categorically deny any involvement in opening, applying for, or authorizing these fraudulent entries. The perpetrators of this identity fraud have systematically damaged my creditworthiness, resulting in loan rejections, elevated interest rates on legitimate credit products, and denial of essential services like utilities and telecommunications. Beyond the financial implications, these false accounts have created profound psychological distress, forcing me to constantly monitor my credit, dispute erroneous information, and defend my reputation with creditors who view me as a financial risk. The ripple effects have prevented my family from securing stable housing, obtaining vehicle financing, and accessing other critical financial services necessary for daily life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit reports and discovered several accounts and hard inquiries that I did not authorize or open. These include credit accounts with XXXX XXXX XXXX ( secured and unsecured ), as well as XXXX XXXX XXXX I never applied for or opened account with XXXX, and I have no authorizations for the charges with credit accounts for XXXX  XXXX XXXX ( secured & unsecured ). The accounts are reporting as charged-off or negative, which is damaging my credit profile. 

In addition, my reports show multiple unauthorized hard credit inquiries from 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, and XXXX XXXX. I did not apply for credit with any of these companies and did not authorize them to access my credit file.

I believe I am the victim of identity theft. These accounts and inquiries were made without my knowledge, permission, or consent. I am requesting that these fraudulent items be blocked and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA 605B ).

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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a dispute regarding fraudulent accounts reported under my identity. I have never authorized, opened, or managed these accounts. Their inclusion on my credit report is inaccurate, misleading, and harmful, creating a false impression of my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-15 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: NH

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX  {$2600.00} ( ACCOUNT # XXXX ) XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX - {$0.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once 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