vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: KY

Complaint narrative:
Subject : Formal Dispute and Request for Blocking of Fraudulent Credit Inquiries under 15 U.S.C. 1681c2 I am writing to formally dispute and request the immediate blocking and permanent removal of multiple fraudulent credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and are the result of identity theft, as supported by the enclosed FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ). 

Pursuant to 15 U.S.C. 1681c2, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information resulting from identity theft within four business days of receipt. These unauthorized hard inquiries were not initiated or authorized by me and therefore must be treated as fraudulent activity.

Furthermore, under 15 U.S.C. 1681b, credit inquiries must only be made for a permissible purpose. When a business accesses a consumers credit report without a permissible purpose or without the consumers knowledge and consent, it constitutes a violation of federal law. Each unauthorized inquiry represents a willful breach of my privacy rights and constitutes an illegal access to my personal credit file.

The following inquiries must be blocked and removed from my credit report immediately : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Despite my repeated attempts to resolve this matter with your bureau, including phone calls and written communications, no adequate resolution has been provided. These inquiries are negatively affecting my ability to secure housing and meet essential family needs. I have also contacted the creditors involved and requested proof of any authorization bearing my signature ; none has been provided within the 60-day legal timeframe. 

As required by law, please block and remove these fraudulent inquiries from my credit report. Under the FCRA, this information must be suppressed for a minimum of one year, with the option for me to request an extension. During this period, you are prohibited from reporting this information or re-inserting it unless I provide documented consent. 

I expect written confirmation that these inquiries have been removed within the timeframe required by federal law. Please handle this matter with urgency, and do not hesitate to contact me if you require additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Ive been a long-time Robinhood customer since XXXX, in good standing with Robinhood. On XX/XX/XXXX, I attempted to log into an account on the app which I normally log into to check my account. On XX/XX/XXXX, I was required by the Robinhood app to update the app, which I did. After I updated the app, the update required me to change the password and, after updating the password on XX/XX/XXXX, I have not been able to log in to the app XXXX to access my account. I could be losing funds or making changes to the account or other issues, and I cant access it. When I attempt to log in. It states the following Check your other device to verify your identity. My question is what device? What are they referring to? Im definitely not receiving an email or push to the device to verify. Verify with a selfie ( they want me to send a government-issued ID to their third party. With cybersecurity, encryption and privacy concerns. Im confused about that option. Ive called their contact number on their website 5 times and never get to talk with a live person, and I cant chat because I cant log into my account. Literally, Ive emailed them 7 times since this issue on XX/XX/XXXX, and Im receiving generic messages every time to log into my account for support ( I cant log in because of their two items ). They need to assign a real person to allow me to gain access to my account and if they cant, in the next several days, I need to move my funds from their account to another company without any fees or charges. This is their issue with not helping me or being responsive to me not being able to access my account that I work so hard for. This robs hardworking people of their funds and access to their accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Delete Accounts off my credit reports I sent multiple attempts to Midland Credit Management began reporting a debt to the credit bureaus without first contacting me or providing any documentation. I did not receive proper validation or verification of the debt prior to it appearing on my credit report. 
On five separate occasionsMarch XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/XXXX, XXXX sent written requests by certified mail asking Midland to validate and verify the debt. In each letter, I requested information including the original creditor, the date of last payment, a complete accounting of the amount claimed, and proof that they owned or were authorized to collect the account. Despite receiving delivery confirmations for these certified letters, Midland failed to respond with any documentation or proper validation and verification.

The account continues to be reported negatively, and I believe this violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account may also be time-barred in my state, and the date being reported appears to be manipulated or re-aged.

This reporting is damaging my credit and preventing me from accessing fair housing and financial services. I am requesting that Midland Credit Management be required to provide full legal validation and verification of the debt or have the account permanently removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submittng this dispute to request the removal of a outdated and inaccurate address from my credit report. The address listed below is no longer associated with me in any XXXXXXXX, and no current or previous creditors are using this address for any open accounts.

Obosolete address to be removed XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have verified that none of my current creditors including XXXX  XXXX are using this address, nor is it associated with any active tradelines, collections, or authorized inquires. As this address is completely disconnected from any active account activity and is no longer relevant or verifiable, i request that it be removed immediately from my credit file. Under the Fair Credit Reporting Act ( FCRA ) section 607 ( b ), credit reporting agencies are required to maintain only information that is accurate and relevant to the consumer 's credit profile. Maintaining an address that is not associated with any existing credit relationships violates this standard.

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 2025-07-05 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 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: VA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
The loan terms i was provided XXXX years ago when signing with Santander on a car loan purchased through enterprise were misleading. I have made on time payments consistently until the end of last year when I lost my job. I have not made a dent in my loan amount. My payment is XXXX a month and I am not financially able to afford this, it is now devastating my credit. I have requested to refinance with them. I have been told they do not do that. I have requested some assistance to lower payments and have basically been told I'm out of luck. I can not keep this car with this payment. It is significantly impacting my credit and affecting other areas of my life because of the impact it's having on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
I am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report with TransUnion, as required under 15 U.S.C. 1681c-2. As of today, it has been more than four business days, and you have failed to take any action on this matter. This is an unacceptable delay and a violation of the law.

This account was fraudulently opened in my name, and I have provided all necessary documentation, including a police report and FTC identity theft report. As per the FCRA, you are required to block this information within four business days of receiving my request- yet here we are, with no action taken. 
- Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suspected Fraudulent Entries XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Closed | Balance : {$0.00} I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next 48 hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance. 
Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done. I expect prompt resolution of this issue, and I will not tolerate any further delay. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX, listed on my TransUnion credit report under Account XXXX XXXXXXXX. I am alleging multiple violations under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

First, I sent a lawful Debt Validation Letter ( DVL ) to XXXX XXXX XXXX, and they failed to provide any legally sufficient validation as required under 15 U.S.C. 1692g ( b ).

Their response consisted only of a billing invoice and transaction history, which failed to include a signed contract, proof of debt ownership, accurate itemization, or any verifiable evidence that the alleged balance is correct and collectible. Moreover, the billing history clearly shows that the account was charged off and reduced to a {$0.00} balance as of XX/XX/XXXX. Their attempt to re-age and inflate the debt to over {$1100.00} in XXXX constitutes an illegal attempt to collect on a time-barred and previously settled or charged-off account.

Second, I filed a Notice of Violation ( NOV ) with TransUnion. Rather than conducting an independent and reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion simply responded with a verified status without providing any supporting documentation or explanation of the method used. This violates 15 U.S.C. 1681i ( a ) ( 7 ), which requires the credit bureau to disclose how the information was verified and by whom. 

Additionally, TransUnion is reporting the original creditor as XXXX ( XXXX ), which is inaccurate. The original contract associated with this debt is from XXXX XXXX XXXX XXXX, a home security monitoring service not a utility provider. This misreporting of the creditor and the re-aging of the account to a XX/XX/XXXX update ( with an estimated removal date of XX/XX/XXXX ) are false credit entries and violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681c ( a ) ( 4 ).

This situation reflects a failure by both the data furnisher and the credit bureau to comply with the legal standards set by federal law.

I have attached the following supporting documentation : Debt Validation Letter sent to XXXX XXXX invoice response TransUnions reinvestigation results Original billing statements showing charge-off Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief