vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-08-20 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: IN

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the 2017 data breach involving Equifax, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to Equifax 's failure to adequately safeguard consumer data. 
Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ]. 
I respectfully request the following actions be taken : 1. A formal written confirmation detailing whether my personal information was affected by the breach.

2. A record of any unusual or unauthorized activity associated with my credit file since the date of the breach.

3. Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file. 
4. Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ).

5. Access to free credit monitoring and identity theft protection services beyond what was previously offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Company reached out to my step mother about a best an owe. They contacted her multiple times and gave out personal information such as that I had an outstanding debt, how much I owed, when it was taken out, etc.

First time she was contacted was XX/XX/25 and last was XX/XX/25. I have not received personal correspondence from this company yet myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: DE

Complaint narrative:
Over the past few weeks I transfered my money from my 3 bank accounts to robinhood since they sent me the 4.5 interest rate promotion. On XX/XX/XXXX, I tried to transfer some of my money from my Robinhood brokerage account back to my BOA bank account to make a car purchase. First I tried XXXX, because their daily limit is XXXX. But as soon as I initiate the transfer, they locked my account. Not only I can't transfer my money out, they also suspended my right to contact with them. All I can do is wait. No contact. No customer support. I did got a call yesterday but although I provided them with all the verification info. They still havent done anything. It's so ridiculous that they out a XXXX daily transfer limit and when I actually try to do that they just simply wont let you. I need my money back now in order to make the purchase on Friday. If I missed the purchase due to robinhood, I will definitely sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 disputing inaccurate information that appears on my TransUnion credit report. Below are the account details for reference : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$23000.00} The report shows late payment notations ( XXXX  days past due ) for multiple months in XXXX. 
This reporting is incorrect. I have made all payments on time, and this account has never been delinquent.

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 2025-08-20 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: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I pre-qualified for a vehicle threw XXXX XXXX XXXX i also wanted my credit application pulled threw XXXX XXXXXXXX XXXX which was approved the XXXX XXXX XXXX XXXX XXXX continued to pull my credit profile with multiple creditors such as greenstate credit union, XXXXXXXX XXXX XXXXXXXX XXXX and so forth and my account just kept dinging with hard inquiries in which I did not consent to 100 % and the salesman knew this and told them this as well the fact he also had to tell the office stop rate shopping on this man 's account with consent is fraudulent so I need this inquiries gone ASAP please and thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-20 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/scrub>/2018 -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SC

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : Equifax 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 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Date : [ XX/XX/year> ] To : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Re : Dispute of Debt / Request for Validation Account # XXXX Dear Sir or Madam, I am formally disputing the validity of the debt that you have reported on my credit file with Equifax, Transunion and Experian. The account is listed as follows : Creditor : XXXX XXXX XXXX : MIdland Credit Management Account Number : * XXXX Reported Balance : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of this debt, including : The original signed contract or agreement showing my responsibility for this debt. 

A complete payment history, including how the balance of {$530.00} was calculated. 

Documentation that you are legally authorized to collect this debt in my state. 

Proof that this debt has not been paid or otherwise discharged.

Until proper validation is provided, you must cease all collection activity and remove this account from my credit reports with all three major credit bureaus ( Equifax, Experian, TransUnion ). 

Please note that if you fail to provide the requested documentation within 30 days, I will consider the matter closed and will expect you to immediately remove this entry from my credit reports. 

I also request that all communication regarding this matter be in writing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: Red Target LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX reporting on my credit report. I have no knowledge of this account. I filed an FTC report. I contacted XXXX XXXX XXXX they told me it was sold to SCJ a debt agency. I called SCJ they told me it was sold to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX they told I need to contact the law firm. This is too much running around trying to get this took off my credit report. My identity was stolen from XXXX  XXXX XXXX. I included the FTC report for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AZ

Complaint narrative:
Dear Credit Bureau Representative, I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, concerning the inaccurate and damaging information that your agencies continue to report about my XXXX auto loan. 

For several months, you have reported that this account was repossessed and marked negatively. You also indicated that the account had been verified after my dispute. However, this is false and misleading information, and your agencies have failed to provide any documentation to substantiate these claims. 

I am now providing you with official proof from XXXX XXXX XXXX, dated XX/XX/year>, confirming that my account was paid in full and the XXXX satisfied as of XX/XX/year>. 

This document directly contradicts the negative reporting currently appearing on my credit file. 

Violations of the FCRA Failure to Conduct a Reasonable Reinvestigation Under XXXX U.S.C. XXXX ( a ), you are required to conduct a reasonable investigation of any disputed information. You failed to do so, as you did not request or review the payment and XXXX release confirmation from the furnisher ( XXXX ). 

Reporting Inaccurate Information Under XXXX U.S.C. XXXX ( b ), you are required to ensure maximum possible accuracy of information reported. Continuing to list this account as repossessed, when in fact it was paid in full, is a direct violation. 

Failure to Delete Inaccurate Information Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), if disputed information can not be verified, it must be deleted. You have failed to comply with this requirement. 

Demand for Deletion Given the official paid-in-full letter from XXXX that I am attaching, I demand the immediate deletion of all negative and inaccurate references to this account from my credit reports with Experian, Equifax, and TransUnion XXXX 

If this false reporting is not corrected within the required XXXX period, I will pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and the Arizona XXXX XXXX XXXX XXXX and I will consider civil action for damages caused by your noncompliance. 

Please provide me with written confirmation once the inaccurate reporting has been corrected and deleted from my file. 

Sincerely, 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 2025-08-20 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Exeter finance had been the reason of not only financial though distress due to their gross negliance on how they treat they consumer with deceptive or bad practices on trying to induce overly an absurd amount on interest that is negative towards consumers as Exeter is making an attempt to use abusive practices so they can raise and extend the process as well length of the loan to allow negative conquenses to happen so they would be able to force me as a consumer into negative outcomes. They started out with finding ways to trapping consumers like myself unknowingly into debt from the moment I had bought this car at XXXX which is one of Exeter finance 's partners and dealer which I picked this car up from following this deal that was completely misrepresented that had ended up causing Exeter to violate UDAAP since they also had used unfair practices as I felt I was rushed into a bad auto loan with very unreasonable representation. They're action as a lender would be very reckless with the way they operate and the practices will make it a seriously unfair for the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
Please remove these fraudulent accounts and fraudulent inquries from my credit report. thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-20 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 four 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 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 explanation