vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I have recently obtained and reviewed a copy of my credit report. Upon careful examination, I have identified several inaccuracies and unauthorized accounts/information that I did not open, authorize, or consent to in any form. 
These entries are not only incorrect, but they also represent a serious violation of my consumer rights. The presence of these unauthorized accounts and erroneous information is causing significant harm to my financial standing, as well as to my personal and emotional well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of all inaccurate and unverified information from my credit report. Additionally, please provide documentation validating any account that you claim is accurate or authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in breach of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are not only unfair but also unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO 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 2025-10-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an XXXX gift card from my work for {$500.00} on XX/XX/year>. I used it at XXXX with no issues. I tried to use it at XXXX and it was declined. I called Customer Service on XX/XX/year> and was told it was flagged for fraud and they would need to send me a replacement card. There was still {$300.00} left on the card. They said it will come in XXXX days via XXXX. I called after XXXX business days asking about a tracking number and they said they didn't have XXXX. I am still waiting for the replacement card for {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I had a vehicle that was Financed through Exeter Financial for a XXXX XXXX XXXX in XXXX. I have made the obligated number of payments on that finance agreement and Exeter engaged in predatory lending. Their behavior impacted and still continues to impact my credit in a serious way. They have since sold the debt to XXXX XXXX who are now trying to collect on disputed amount. Again, I paid the required number of payments but then at end of loan, they told me I owed them {$3000.00} dollars in interest. Exeter has and did attempt to take advantage of the XXXX pandemic by applying interest on the back end of loans. Despite wrapping things up in a nice " seemingly considerate '' package called " hardship forgiveness ' and using terms like 'courtesy ', 'understanding ' and 'free ', their willingness to work with consumers struggling financially during early phases of XXXX as the ppp program was sorted out was them looking to make money under the guise of cooperation. When my income took a hit due to ppp checks I was getting through my employment, I contacted them on 3 occasions, in advance, and let them know my payment for my vehicle would be late. They were incredibly kind on the phone initially and said 'no problem, we understand and all are having difficulty, we can extend you a courtesy called a hardship forgiveness that they now had and can simply move my due payment to the end of the loan to ease my burden. Nowhere was it clearly stated or indicated that their would be exorbitant interest jammed on top. I would have never utilized the 'hardship forgiveness ' the first time or subsequent times had they stated their true plans which was to whack me with interest. The practice is disgusting during a pandemic and the language, terms and dispersant were predatory, grossly misleading and intended to take advantage of consumers, not actually assist. 
I told them explicitly that I would not pay them and I have satisfied the number of payments on the loan. They have since reported negatively on my credit report for this disputed debt for over two years, recently sold that debt to XXXX XXXX who is also reporting and it has tanked my credit and purchase power as a consumer. 
I kindly ask for support, a remedy and reserve right to be added to any suit or class action against Exeter and XXXX regarding 'Hardship Forgiveness ' misrepresentation. I want them off my credit and I want the title for the vehicle I made scheduled payments for. I do not and was never furnished the title. I need protection as a consumer and appreciate the attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as 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 2025-10-20 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
Im reporting inaccurate and unverified medical debt reporting by National Recovery and XXXX.

My XXXX  credit file lists a medical collection that I do not recognize or owe. I have not received any written validation or itemized statement proving this debt belongs to me, nor evidence that the agency has legal authority to collect or report it.

Under FDCPA 809 and FCRA 611 ( a ) ( 1 ) ( A ), I have the right to full validation and accurate reporting. Reporting an unverified medical debt violates both laws.

I am requesting that the CFPB require XXXX  and National Recovery to either provide proper documentation proving the debts validity including the original provider, itemized charges, and proof of authorization to collect or delete the tradeline entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I submitted a debit card transaction dispute to Robinhood bank for goods not received from a vendor which I bought back in XXXX. On XX/XX/XXXX, I received a follow-up email from XXXX explaining that the dispute claim was still being investigated but that a provisional credit in the amount of the transaction was being issued to my account. On XX/XX/XXXX, I received another follow-up email notifying me that a chargeback had been processed in my favor. By XX/XX/XXXX, I still had not seen these funds returned to my account ( neither the provisional credit, nor the chargeback ) so I reached out to XXXX support regarding the funds which were said to have been credited to my debit account. Support said they would look into it, but later that same morning, my debit, savings, and credit accounts were all restricted. Meanwhile, my wife and I were driving to XXXX for our anniversary that day. With the account restricted, my only XXXX of getting in touch with support was to request a call from Robinhood via the app. You can not call them yourself ; they have to call you. I requested a call on the XXXX and spoke with support, who could no provide any information beyond " This is a routine investigation, and we will reach out with an update within 4 days. '' The same goes for the following day ( XX/XX/XXXX ), and the day after that ( XX/XX/XXXX ). On the XXXX of XXXX, I received an email notifying me that the restriction on my credit account had been removed, so I had access to my credit card again, but my debit account restriction was still in place. Again, I reached out for clarification and got no substantial information. The evening of the XXXX, I received a call from Robinhood which lasted 53 minutes and involved them asking me a series of questions, some of which felt invasive, such as " What was this XXXX XXXX payment for? Is it a credit card? '' At this point I felt like I was being treated like a suspect for fraud but they still would not tell me what this is all even for. I gave Robinhood all of the information they requested, including pictures of my driver 's license and pictures of my face. Saturday, XX/XX/XXXX, I received another call from Robinhood support during which they told me to change the email address associated with my accounts to something " more secure. '' They asked a few more questions and I needed to upload pictures of my license and face yet again. They then assured me that my funds are safe while they continue to investigate, and I should just wait for any further updates or instructions. Today is now day XXXX without access to my debit account or savings account, with no context regarding why my accounts were restricted. This has severely upset and displaced every aspect of mine and my wife 's finances over the past week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.

My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.

My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion, including my FTC Identity Theft Report and supporting documentation, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In my correspondence, I identified several collection accounts that do not belong to me and provided documentation establishing that these accounts were the result of identity theft. I requested that TransUnion block and delete the fraudulent accounts as required under 15 U.S.C. 1681c-2 ( Section 605B ) of the FCRA.

Subsequently, TransUnion sent me written confirmation acknowledging receipt of my dispute and indicating that the fraudulent collection accounts would be deleted from my credit file. However, despite this confirmation and the legal requirement to promptly block and remove such information, my credit report has not been updated to reflect these deletions. The inaccurate and fraudulent accounts remain on my report, continuing to cause harm to my credit standing.

Under the FCRA, a consumer reporting agency must block identity theft-related information from a consumers file within four business days of receiving an identity theft report and appropriate proof of identity. TransUnions failure to do so constitutes a violation of Section 605B of the FCRA. Additionally, by failing to ensure the accuracy and completeness of the information reported, TransUnion is also in violation of 15 U.S.C. 1681e ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to follow up on a formal dispute I submitted on XX/XX/year>, regarding inaccurate and/or fraudulent accounts listed on my credit report. 

More than 30 days have passed since my dispute was filed, and I have yet to receive a proper response or resolution. Instead, I was informed ( or it was implied ) that a third party may have submitted my dispute. I want to make it absolutely clear that I personally prepared and submitted the dispute. In fact, the original letter was signed by me and explicitly stated that I certified the dispute was prepared and submitted by me alone.

Company response to consumer: Closed with explanation