vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
Formal Complaint Against TransUnion and Equifax for Failure to Investigate and Remove Inaccurate Information I am submitting this complaint regarding both TransUnion and Equifax, for their ongoing failure to properly investigate and remove inaccurate and unverifiable items from my credit reports, in clear violation of the Fair Credit Reporting Act ( FCRA ).

XXXXXXXX XXXX XXXX XXXXXXXX {$1600.00} Both TransUnion and Equifax are reporting a collection account from XXXX  XXXX in the amount of {$1600.00}, which is linked to an older debt originally reported by XXXX XXXX for {$1000.00}. 

Previously, XXXX XXXX  collection was removed from my credit reports because it could not be verified as belonging to me. Despite this, both credit bureaus continue to report the XXXX XXXX account even though it is derived from the same unverified debt. 

I have no contract or agreement with either XXXX XXXX or XXXX XXXX. I have submitted multiple dispute letters over several months and have received no sufficient response from either bureau. The continued reporting of this unverifiable debt violates my consumer rights under the FCRA, which mandates that credit bureaus investigate disputes within 30 days and delete any information that can not be verified. 

XXXX. XXXX Missed Payments In addition, I previously disputed an account from XXXX due to the inaccurate reporting of missed payments. Experian investigated and removed this account from my report, confirming that the information could not be verified. 

However, TransUnion and Equifax have failed to remove or correct the same inaccurate information, despite being notified through formal dispute letters. 

This shows a clear inconsistency in how each bureau handles disputes and further demonstrates that TransUnion and Equifax have not fulfilled their legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/year>, I paid off both my XXXX and XXXX XXXX cards in full. However, Transunion has not shown that I have made any payment on the card. 

XXXX  has raised my score to a XXXX as of today after reflecting that both cards have a {$0.00} balance on them. 

However, Transunion shows I have a XXXX XXXX XXXX and that I am maxed out on both of the cards resulting in both my transunion XXXX XXXX being XXXX points lower than what is accurate and the denial of credit because Transunion will not update their credit file. 

I submitted a dispute to Transunion who has provided no response and XXXX taken no steps to investigate to see if these XXXX  cards actually even have a balance on them which they are required to do under the XXXX XXXX and XXXX XXXX to provide an accurate account of your credit which they are not only not doing but they are not taking any action when they know that the information is incorrect to rectify the inaccurate information.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since i got the XXXX card, It has never been correct and in my free time, I would call XXXX and XXXX XXXX then XXXX if I got lucky, I would find a way to contact Experian to inquire about the lack of true information. 
EACH time, I was assured and promised by XXXX people and Experian that it would be corrected within 30 days ... XXXX ALWAYS passes the buck and tells me to contact XXXX, ( beating a dead horse there ). 
I now have been rejected by XXXX dealers to buy a new car stating each time that I do not have a sufficient credit line. I have an XXXX FICO, even without the {$15000.00}. I tell them about the {$15000.00} credit line that WOULD give me the credit line I need. The car dealers say too bad, no show in FICO, no credit. Though all 3 DID offer me credit at scalper 's interest rates. 
I can get nowhere with XXXX nor XXXX or Experian and yet my other credt cards are fine and accurate. 
FYI : I have no LATE - no missed - no nothing!! take a look, 100 % in more than 11years. 
I would truly love for your office to straighten them ( whomever ) out and make my credit line as it should be and have it shown to all who have a need. 
If you need further information, PLEASE contact me via : ( TEXT - hearing impaired XXXX or XXXX or XXXX or XXXX soonest as my car is dead. Thank you, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since i got the XXXX card, It has never been correct and in my free time, I would call XXXX and XXXX XXXX then XXXX if I got lucky, I would find a way to contact Experian to inquire about the lack of true information. 
EACH time, I was assured and promised by XXXX people and Experian that it would be corrected within 30 days ... XXXX ALWAYS passes the buck and tells me to contact XXXX, ( beating a dead horse there ). 
I now have been rejected by XXXX dealers to buy a new car stating each time that I do not have a sufficient credit line. I have an XXXX FICO, even without the {$15000.00}. I tell them about the {$15000.00} credit line that WOULD give me the credit line I need. The car dealers say too bad, no show in FICO, no credit. Though all 3 DID offer me credit at scalper 's interest rates. 
I can get nowhere with XXXX nor XXXX or Experian and yet my other credt cards are fine and accurate. 
FYI : I have no LATE - no missed - no nothing!! take a look, 100 % in more than 11years. 
I would truly love for your office to straighten them ( whomever ) out and make my credit line as it should be and have it shown to all who have a need. 
If you need further information, PLEASE contact me via : ( TEXT - hearing impaired XXXX or XXXX or XXXX or XXXX soonest as my car is dead. Thank you, 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 explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Hello CFPB I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, it is established that individuals possess a fundamental right to privacy. Furthermore, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully XXXX and XXXX my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Wy XXXX, TX XXXX 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-11 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: CA

Complaint narrative:
Details of the Complaint : I am filing this complaint regarding multiple fraudulent accounts that were opened in my name and reinserted into my credit report without proper legal compliance. Specifically : Two accounts by XXXX XXXX XXXXXXXX ( Account ending in XXXX ) XXXX XXXX XXXX account ( Account ending in XXXX ) These accounts were previously disputed and should have been permanently removed. However, they were reinserted without : 1. Providing me written notice of the reinsertion within 5 business days, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

2. Disclosing the name, address, and phone number of the furnishers who supplied the reinserted data.

3. Verifying my identity, consent, or authorization for such accounts. 

This is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my creditworthiness and mental well-being. 



Requested Resolution ( Fair Resolution ) : 1. Immediate and permanent deletion of the fraudulent accounts listed above from all credit bureaus ( Experian, TransUnion, and Equifax ).

2. A formal, written explanation identifying the furnishers who reinserted these accounts.

3. A written confirmation from each credit bureau that these accounts will not be reinserted without strict adherence to FCRA 611 ( a ) ( 5 ) ( B ).

4. Compensation for the financial and emotional harm caused by this ongoing identity theft and reinsertion misconduct.

5. That the CFPB investigate and enforce compliance to prevent future violations against myself and other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Details of the Complaint : I am filing this complaint regarding multiple fraudulent accounts that were opened in my name and reinserted into my credit report without proper legal compliance. Specifically : Two accounts by XXXX XXXX XXXXXXXX ( Account ending in XXXX ) XXXX XXXX XXXX account ( Account ending in XXXX ) These accounts were previously disputed and should have been permanently removed. However, they were reinserted without : 1. Providing me written notice of the reinsertion within 5 business days, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

2. Disclosing the name, address, and phone number of the furnishers who supplied the reinserted data.

3. Verifying my identity, consent, or authorization for such accounts. 

This is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my creditworthiness and mental well-being. 



Requested Resolution ( Fair Resolution ) : 1. Immediate and permanent deletion of the fraudulent accounts listed above from all credit bureaus ( Experian, TransUnion, and Equifax ).

2. A formal, written explanation identifying the furnishers who reinserted these accounts.

3. A written confirmation from each credit bureau that these accounts will not be reinserted without strict adherence to FCRA 611 ( a ) ( 5 ) ( B ).

4. Compensation for the financial and emotional harm caused by this ongoing identity theft and reinsertion misconduct.

5. That the CFPB investigate and enforce compliance to prevent future violations against myself and other consumers.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
i did not authorize any information to be processed

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 2025-07-11 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX I 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 2025-07-11 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: OH

Complaint narrative:
I am writing to formally dispute several fraudulent accounts and collection entries appearing on my credit report due to identity theft. My name is XXXX XXXX, date of birth XX/XX/year>, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I am a victim of identity theft and have attached a copy of my Identity Theft Report, as defined under XXXX XXXX Code XXXX and in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), codified as XXXX XXXX Code XXXX. 

I am invoking my rights under : XXXX XXXX Code XXXX ( Section XXXX of FCRA ) : Identity theft-related blocks XXXX XXXX Code XXXX : Responsibilities of furnishers of information XXXX XXXX Code XXXX : Privacy obligations XXXX the Gramm-Leach-Bliley Act Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX & XXXX Uniform Commercial Code ( UCC XXXX XXXX and XXXX : Reservation of rights and XXXX for proof According to federal law, you are required to block and remove all fraudulent items listed in the police report and identity theft affidavit. You must also cease and desist from reporting, verifying, or continuing collection efforts on these disputed accounts. Failure to comply constitutes a willful violation of federal law. 

I formally demand : XXXX. An immediate investigation under FCRA XXXX XXXX XXXX XXXX XXXX. A block and permanent deletion of the fraudulent accounts under XXXX XXXX. A cease and desist order against all reporting or collection activity XXXX. A full copy of my updated credit report sent to the address listed above Enclosed are the following : Copy of government-issued ID Proof of address Identity Theft Report and police report List of disputed accounts with supporting documentation Please take this matter seriously and act within the XXXX timeline required under XXXX. Failure to act accordingly XXXX result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-07-11 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: WI

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 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: CA

Complaint narrative:
I am a victim of identity theft and am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. My credit report shows fraudulent inquiries that I did not authorize or initiate. These inquiries were made by multiple auto dealerships and financial institutions, and their presence has negatively impacted my creditworthiness and privacy. 

Inquiries Identified as Fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of Law : 1. FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ] : These inquiries were made without a permissible purpose and without my consent, which is a direct violation of federal law.

2. FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] : I was not given any prior notice or opportunity to verify the legitimacy of these inquiries before they were placed on my report. 
3. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : After initiating disputes, the credit bureaus failed to reasonably investigate or promptly delete these inaccurate items.

Fair Resolution Requested : 1. Immediate deletion of all unauthorized hard inquiries listed above from all three credit bureaus ( Experian, Equifax, TransUnion ).

2. A written statement confirming that these inquiries will not reappear.

3. Investigate and identify the entities who accessed my credit without consent.

4. Block the information under FCRA 605B [ 15 U.S.C. 1681c-2 ] due to identity theft.

5. Prevent future reappearance of these items unless verified with my express written authorization.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/year> I attempted to make a withdraw from my Robin Hood account. The app required me to open a message in my.other device the other device is an old XXXX that broke about three years ago, so I can not access the app on this device. Im not sure why this device is on my account. When I try to delete this device from my account it will not allow me to. As an alternative to accessing the app on this old device, I am being required to download my drivers license and a selfie picture to their file. I am also being required to authorize their third-party to have access and share my XXXX XXXX  No other platform or service that I use has ever requested anything like this. This does not sound safe in any way whatsoever. Should they have a date of breach the criminals would not only have identifying information but my photo as well. Why would they be asking for the right to share my XXXX XXXX I thought Robin Hood was a trading platform, but they are a data mining company using extortion by holding my money hostage to obtain my XXXX XXXX. I demand to have access to my money immediately without this requirement, and I demand that broken device to be deleted from my account immediately.

Company response to consumer: Closed with explanation