vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions failure to accurately report my personal information. My correct legal name is XXXX XXXX XXXX XXXX, yet TransUnion has incorrectly listed a name variation as XXXX XXXX. I request that TransUnion update its records to reflect my full and accurate name as shown on the proof of identity I provided. 

Additionally, my correct address is XXXX XXXX XXXX XXXX  NJ XXXX, but TransUnion has incorrectly listed it as XXXX XXXX XXXX XXXX. I request that TransUnion remove the incorrect " XXXX '' and ensure my address appears exactly as it does on my drivers license and utility bill, which serve as proof of my residence. Furthermore, the following address is not mine and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

TransUnion has also reported incorrect employer information. The listing XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX is inaccurate. My correct employer is XXXX XXXX XXXX XXXX, and I request that TransUnion update this information accordingly. 

TransUnions failure to maintain the maximum possible accuracy in my credit report violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ). I expect TransUnion to comply with this requirement and update my report accordingly.

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 2025-03-07 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: NY

Complaint narrative:
The account with XXXX XXXXXXXX XXXX listed on my credit reports as " XXXX '' on XXXX and " XXXX XXXXXXXX XXXX XXXX XXXX XXXX' on Experian, was closed on XX/XX/XXXX. However, I am noticing late payments being reported incorrectly. The account is showing four 30-60 day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report XXXX along with one 30-day late payment on XXXX, and four late payments on Experian. This account was never opened fraudulently, and I did not authorize the late payments being reported on this closed account. I request that this discrepancy be investigated, and the incorrect late payments be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
The account with XXXX XXXXXXXX XXXX listed on my credit reports as " XXXX '' on XXXX and " XXXX XXXXXXXX XXXX XXXX XXXX XXXX' on Experian, was closed on XX/XX/XXXX. However, I am noticing late payments being reported incorrectly. The account is showing four 30-60 day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report XXXX along with one 30-day late payment on XXXX, and four late payments on Experian. This account was never opened fraudulently, and I did not authorize the late payments being reported on this closed account. I request that this discrepancy be investigated, and the incorrect late payments be removed from my credit reports.

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer of {$130000.00} to Robinhood to trade. 

I was told that by XX/XX/XXXX the funds would be available to trade. At the same time, I underwent verification of my ID for XXXX trades even though I've been a client of Robinhood for years. I was told today, XX/XX/XXXX, that my account is restricted and I am unable to make any trades until I provide further verifying information. 

I'm being asked for a selfie and a XXXX bank statement. This is where my troubles begin. 

Robinhood 's app is a nightmare and on mobile or desktop, I am unable to click and upload my statements. The only clickable button is a " Submit Documents '' button which says they've received my documents yet there is nothing there besides my selfie, no bank statements because I was unable to upload them. 

Their Customer Support line is also completely unusable as it is an automated AI bot that does not even let me type back to it. I will provide screenshots below. 

When my case was opened to verify my information- I requested a call from an agent and received 3 separate calls that did not even ring once before automatically disconnecting with no callback. I now no longer even have the option for a callback from an agent nor a telephone number to call. 

My roughly {$130000.00} are now completely frozen and I'm afraid of my money that I need being locked indefinitely as I've read from other users online. 

Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-07 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-03-08 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-07 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: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CT

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following items are on my credit report and is causing me to have issues financially. I would like to have them removed the following are the items. 

The following address. should be removed from my 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 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

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 2025-03-07 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  The information listed below, which appears on my credit report, is the result of that 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am disputing inaccurate and inconsistent information reported on my credit report by XXXX XXXX XXXX. The errors are affecting my credit profile and need immediate correction. 

Details of the Errors : 1. Balance Discrepancies Across Credit Bureaus : Equifax reports a current balance of {$430.00}.

TransUnion reports a current balance of {$540.00}.

Experian reports a current balance of {$430.00}.

The Fair Credit Reporting Act ( FCRA ) requires that all information be accurate and consistent across bureaus.

2. Incorrect Original Lender Information : Equifax lists the original lender as XXXX XXXX XXXX. 
TransUnion lists the original lender as XXXX XXXX XXXX XXXX  XXXX, which appears to be an error. 
Experian lists XXXX XXXX XXXX  XXXX as the original lender. 
XXXX XXXX XXXX is a debt buyer, not the original lender. The original lender should be properly identified. 
3. Inconsistent Account Numbers Across Credit Bureaus : Equifax and TransUnion list an account number ending in XXXX. 
Experian lists an account number starting with XXXX. 
This inconsistency suggests potential misreporting or a mixed account issue. 
4. Unverified Debt and Potential Re-Aging : The date assigned is reported as XX/XX/year> across all bureaus. 
If this account was previously delinquent and re-aged to appear newer, this is a violation of the FCRA. 
XXXX XXXX XXXX has not provided debt validation to prove the debt is valid or that I am responsible for it. 

Actions Taken : I have disputed this information with the credit bureaus, but no corrections have been made. 
I have requested debt validation from XXXX XXXX XXXX, but they have not provided proof that this debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
I am disputing inaccurate and inconsistent information reported on my credit report by XXXX XXXX XXXX. The errors are affecting my credit profile and need immediate correction. 

Details of the Errors : 1. Balance Discrepancies Across Credit Bureaus : Equifax reports a current balance of {$430.00}.

TransUnion reports a current balance of {$540.00}.

Experian reports a current balance of {$430.00}.

The Fair Credit Reporting Act ( FCRA ) requires that all information be accurate and consistent across bureaus.

2. Incorrect Original Lender Information : Equifax lists the original lender as XXXX XXXX XXXX. 
TransUnion lists the original lender as XXXX XXXX XXXX XXXX  XXXX, which appears to be an error. 
Experian lists XXXX XXXX XXXX  XXXX as the original lender. 
XXXX XXXX XXXX is a debt buyer, not the original lender. The original lender should be properly identified. 
3. Inconsistent Account Numbers Across Credit Bureaus : Equifax and TransUnion list an account number ending in XXXX. 
Experian lists an account number starting with XXXX. 
This inconsistency suggests potential misreporting or a mixed account issue. 
4. Unverified Debt and Potential Re-Aging : The date assigned is reported as XX/XX/year> across all bureaus. 
If this account was previously delinquent and re-aged to appear newer, this is a violation of the FCRA. 
XXXX XXXX XXXX has not provided debt validation to prove the debt is valid or that I am responsible for it. 

Actions Taken : I have disputed this information with the credit bureaus, but no corrections have been made. 
I have requested debt validation from XXXX XXXX XXXX, but they have not provided proof that this debt belongs to me.

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