vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-03 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:
I am submitting this formal dispute regarding the inaccurate, unauthorized, and unlawful reporting of both hard inquiries and personal identifiable data ( PID ) on my credit file. Your continued failure to correct these items after prior disputes demonstrates willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Under FCRA 15 U.S.C. 1681b ( c ), inquiries may only be reported if they are permissible, authorized, and directly connected to a legitimate credit transaction initiated by me. Any inquiry that lacks my written consent or a permissible purpose is unlawful and must be permanently deleted.

In addition, under FCRA 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in all consumer reporting, including the accurate and lawful reporting of names, addresses, employers, phone numbers, and Social Security information. Reporting false, outdated, or unauthorized PID constitutes reckless disregard for your duties and results in material harm. 

The following entries are unauthorized, unverifiable, and unlawful, and must be deleted immediately : Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX Each of the above inquiries was not authorized by me, and there is no permissible purpose under 1681b ( c ) to justify their appearance on my credit file. I never initiated any transaction, credit application, or relationship with these entities. Continuing to report these inquiries after notice of dispute constitutes willful non-compliance with the FCRA under 1681n and negligent non-compliance under 1681o. 

Incorrect Personal Identifiable Data ( PID ) : Incorrect Name XXXX XXXX Incorrect Address XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX Incorrect Address XXXX LA XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Incorrect Employer XX/XX/XXXX Incorrect EmployerXX/XX/XXXXXXXX Incorrect Employer XXXX XXXX These identifiers were never provided or authorized by me and do not match the information on my verified identification documents. You have no legal basis to publish or maintain this data. Failure to remove it violates FCRA 1681e ( b ) and Metro 2 accuracy and identity integrity standards. 

Because I am a National Public Data Breach impacted consumer, you are under a heightened duty of care to ensure accuracy, verification, and consumer protection. Your mishandling of these unauthorized inquiries and false PID records demonstrates reckless disregard for my rights under the FCRA and has caused reputational harm, reduced creditworthiness, and unjustified risk classification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
I am submitting this formal dispute regarding the inaccurate, unauthorized, and unlawful reporting of both hard inquiries and personal identifiable data ( PID ) on my credit file. Your continued failure to correct these items after prior disputes demonstrates willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Under FCRA 15 U.S.C. 1681b ( c ), inquiries may only be reported if they are permissible, authorized, and directly connected to a legitimate credit transaction initiated by me. Any inquiry that lacks my written consent or a permissible purpose is unlawful and must be permanently deleted.

In addition, under FCRA 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in all consumer reporting, including the accurate and lawful reporting of names, addresses, employers, phone numbers, and Social Security information. Reporting false, outdated, or unauthorized PID constitutes reckless disregard for your duties and results in material harm. 

The following entries are unauthorized, unverifiable, and unlawful, and must be deleted immediately : Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX Each of the above inquiries was not authorized by me, and there is no permissible purpose under 1681b ( c ) to justify their appearance on my credit file. I never initiated any transaction, credit application, or relationship with these entities. Continuing to report these inquiries after notice of dispute constitutes willful non-compliance with the FCRA under 1681n and negligent non-compliance under 1681o. 

Incorrect Personal Identifiable Data ( PID ) : Incorrect Name XXXX XXXX Incorrect Address XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX Incorrect Address XXXX LA XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Incorrect Employer XX/XX/XXXX Incorrect EmployerXX/XX/XXXXXXXX Incorrect Employer XXXX XXXX These identifiers were never provided or authorized by me and do not match the information on my verified identification documents. You have no legal basis to publish or maintain this data. Failure to remove it violates FCRA 1681e ( b ) and Metro 2 accuracy and identity integrity standards. 

Because I am a National Public Data Breach impacted consumer, you are under a heightened duty of care to ensure accuracy, verification, and consumer protection. Your mishandling of these unauthorized inquiries and false PID records demonstrates reckless disregard for my rights under the FCRA and has caused reputational harm, reduced creditworthiness, and unjustified risk classification.

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 2025-10-03 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-03 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/year> 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 2025-10-03 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: OH

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 2025-10-03 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last reported XX/XX/XXXX {$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedJul XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedNov XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Account information disputed by consumer Account information disputed by consumer Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedMay XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX 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 2025-10-03 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:
Last reported XX/XX/XXXX {$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedJul XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedNov XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Account information disputed by consumer Account information disputed by consumer Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedMay XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX 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 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: KY

Complaint narrative:
On XX/XX/year>, the company attempted to charge my account four separate times for the following amounts : {$200.00}, {$200.00}, {$54.00}, and {$260.00}. All transactions were declined due to insufficient funds. These charges were made without properly reviewing the insurance documentation I had already submitted. 

The company claimed I owed additional fees related to insurance, stating I lacked liability coverage. However, during a recorded phone call with both the company and my insurance provider on the line, it was confirmed that I do have the required liability insurance. The company initially claimed I had coverage through XXXX XXXX, which was incorrect, and only admitted their mistake after I provided proof and recorded the conversation. 

I requested information regarding these extra charges, but no explanation was providedonly an apology that they had messed up. Im concerned about how long this has been happening and how many other customers may have been overcharged or misled in a similar way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

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

1681c2 ) that you, the Equifax 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  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
2 months ago I purchased XXXX XXXX from XXXX, and was unable to attend so I attempted to use XXXX official XXXX XXXX resale feature to sell them. I repeatedly received an error that told me I couldnt list my tickets for an unspecified reason, so I contacted XXXX support requesting that they either A ) post the tickets on my behalf, B ) fix the unspecified issue with my account and let me list them myself, or C ) provide a refund because I was being denied a service that I payed for in the form of the XXXX service fee when I bought my ticket. 

Support was unable to help me with this issue at all, they could not find the problem and they did not provide me with any additional information. I was also denied a refund, so I immediately contacted my credit card company to dispute the charge. On XX/XX/XXXX, a transaction showed up on my statement labeled Credit for Dispute, which appeared to be a refund for my dispute with XXXX. I assumed this meant my dispute had been resolved in my favor, and thus proceeded with my financial planning as if it had been. Today I received a notification as I was getting ready to leave for a vacation that the dispute was not in fact resolved in my favor, and had a charge of XXXX placed back on my card. This feels like a complete blindside and frankly feels maliciously deceptive on the part of Robinhood and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
I dispute the following tradelines as inaccurate and unverifiable : XXXX. XXXX Your file shows Date Opened XX/XX/year> but Last Activity XX/XX/year>, an impossibility. XXXX XXXX XXXX XXXX vs XXXX XXXX are inconsistent. 
XXXX. XXXX XXXX Reported as Charge-Off, when a collection agency can not report charge-off. Furnisher name also varies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
XXXX. XXXX XXXX Status alternates between Open/Placed for Collection, Refinanced, and Charge-Off. These are contradictory. 
XXXX. XXXX  XXXX XXXX Original creditor field corrupted ( @ actualPaymentAmount ), making the tradeline unverifiable.

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 2025-10-03 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: NY

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} 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, 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 response to consumer: Closed with explanation