vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting this complaint against Experian for failing to remove outdated, inaccurate, and unverified negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes, Experian continues to report the following derogatory accounts without proper verification or lawful basis for inclusion. I am requesting a formal CFPB investigation into Experians failure to maintain accurate and up-to-date credit information as required under FCRA 607 ( b ) and 605 ( a ). 

Details of Disputed Accounts : XXXX XXXX XXXX ( Auto Loan ) Status : Charge-off with {$8800.00} balance Obsolete Account : The date of first delinquency on this account was over seven years ago, making it ineligible to be reported under FCRA 605 ( a ) ( 4 ), which limits the reporting period for negative items to 7 years from the date of first delinquency. 

Experian has failed to remove this account even after this aging timeline has clearly passed. 

I request its immediate deletion based on this legal requirement, regardless of balance or status. 

XXXX XXXX XXXX ( Opened XXXX XXXX, 2022 ) Status : Charge-off with {$30.00} balance Disputing the reported missed payments and charge-off status. No documentation has been provided to support the reported history. 

XXXX IT XXXX Status : 6089 Days Late with a {$3.00} balance I dispute the late payment mark. The account was nearly paid off and this remark appears both inaccurate and unreasonable. 

XXXX XXXX XXXX ( Opened XX/XX/year> ) Status : 90119 Days Late The account reflects 100 % on-time payments and {$0.00} balance, yet is labeled as severely delinquent. This is contradictory and inaccurate. 

XXXX XXXX XXXX Status : Charge-off with inconsistent payment history I have requested validation of this derogatory reporting, but none has been provided. 

XXXX XXXX XXXX ( Collection ) No original creditor name or account details are listed. 

I do not recognize this debt. I have requested full validation, including : Original creditors name Original account number Payment history Proof of the right to collect Experian has not provided evidence that this account meets reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
I put {$5000.00} into my Robinhood account on XX/XX/XXXX and XXXX, 2025. On Monday the XXXX, when markets opened I attempted to buy some stocks but it wouldn't let me. I then started a conversation with one of their customer service reps and he told me that my account had been restricted, but wouldn't give me any details about it even though I asked for them. I then tried to withdraw the money that I had just deposited into the account 2 days prior and it wouldn't let me. I asked to speak with that agents Supervisor and they reached out. I asked why the account had been restricted, but they wouldn't tell me why and will give me no information whatsoever and now my money is stuck in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

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 non-monetary relief
Consumer complaint received 2025-06-18 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: LA

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 2025-06-17 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:
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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
Dear The Bureaus INC., I am writing in response to your communication concerning the alleged debt associated with account number XXXX. The attached documents are for a different entity named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I understand that you are attempting to collect this debt. However, I believe that the statute of limitations for this debt has expired. In Maryland, the statute of limitations for credit card debt is generally three ( 3 ) years, as per Maryland Code, Courts and Judicial Proceedings, Section 5-101. My records indicate that the last activity on this account was on XX/XX/XXXX. If my information is correct, the statute of limitations expired on XX/XX/XXXX. Therefore, according to Maryland law, your ability to pursue legal action to collect this debt has expired. Please remove this debt from all three credit bureaus. I request that you cease all collection efforts related to this account and confirm in writing that you will no longer attempt to collect this debt. Please be advised that I am aware of my rights under the Fair Debt Collection Practices Act and the Maryland Consumer Debt Collection Act, and I will take appropriate action to protect them if necessary. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am submitting this complaint against Experian for failing to remove outdated, inaccurate, and unverified negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes, Experian continues to report the following derogatory accounts without proper verification or lawful basis for inclusion. I am requesting a formal CFPB investigation into Experians failure to maintain accurate and up-to-date credit information as required under FCRA 607 ( b ) and 605 ( a ). 

Details of Disputed Accounts : XXXX XXXX XXXX ( Auto Loan ) Status : Charge-off with {$8800.00} balance Obsolete Account : The date of first delinquency on this account was over seven years ago, making it ineligible to be reported under FCRA 605 ( a ) ( 4 ), which limits the reporting period for negative items to 7 years from the date of first delinquency. 

Experian has failed to remove this account even after this aging timeline has clearly passed. 

I request its immediate deletion based on this legal requirement, regardless of balance or status. 

XXXX XXXX XXXX ( Opened XXXX XXXX, 2022 ) Status : Charge-off with {$30.00} balance Disputing the reported missed payments and charge-off status. No documentation has been provided to support the reported history. 

XXXX IT XXXX Status : 6089 Days Late with a {$3.00} balance I dispute the late payment mark. The account was nearly paid off and this remark appears both inaccurate and unreasonable. 

XXXX XXXX XXXX ( Opened XX/XX/year> ) Status : 90119 Days Late The account reflects 100 % on-time payments and {$0.00} balance, yet is labeled as severely delinquent. This is contradictory and inaccurate. 

XXXX XXXX XXXX Status : Charge-off with inconsistent payment history I have requested validation of this derogatory reporting, but none has been provided. 

XXXX XXXX XXXX ( Collection ) No original creditor name or account details are listed. 

I do not recognize this debt. I have requested full validation, including : Original creditors name Original account number Payment history Proof of the right to collect Experian has not provided evidence that this account meets reporting standards.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XXXX lvnv funding llc made a derogatory mark on my credit and I did not authorize or sign anything to sell my personal info to this company and would like it taking off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at1. XXXX XXXX 2. DEPT OF ED/XXXX XXXX\nThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud'

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 2025-06-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence, engelhardt. v gravens ( mo ) 281 SW715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX Balance {$4500.00}, XXXX XXXX BALANCE {$0.00}, XXXX XXXX XXXX {$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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-17 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: SC

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have had this on my report for years I have had a forbearance on the account as well and I sent in a payment to pay the debt out in full and I never received compensation or confirmation about the payment being received

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by 5/3 Bank while I was ( and still am ) under an approved forbearance agreement. 

The bank and I agreed to a forbearance that temporarily paused my mortgage payments while I was working to sell my home in another state. I fully complied with the terms of this agreement. 

However, despite this forbearance, 5/3 Bank reported the paused payments as delinquent to the credit bureaus. This is not only misleading, but it also unfairly damages my credit during a period where the lender explicitly agreed to suspend payments. 

When I contacted the bank for clarification, they were unwilling to help. These payments should not be reported as late. My forbearance agreement does not specify that paused payments would be considered delinquent. It says the bank will follow credit reporting practices but does not clearly state that every single payment they agreed to pause would be considered delinquent and reported to the bureaus. 

With a federal employee undergoing constant vetting in the household this is now jeopardizing careers and our familys livelihood. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2025-06-17 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: TX

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2025-06-17 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Gonsumer Solutions  associated with XXXX XXXX account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Gonsumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-06-18 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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