vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
On XX/XX/year>, TransUnion reported an update to my credit file for the account XXXX XXXX XXXXXXXX XXXX XXXX  ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ). This account is already in a collection/chargeoff status and is disputed as fraudulent. However, TransUnion and/or the furnisher unlawfully reclassified it as an auto loan, increased the reported balance from {$600.00} to {$1000.00}, and falsely reported it as delinquent despite it being a profit and loss writeoff. This reclassification and balance inflation are materially misleading and cause substantial harm to my credit standing. Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, because I submitted an FTC Identity Theft Report and notarized affidavit, this account should have been permanently blocked and deleted within 4 business days pursuant to 15 U.S.C. 1681c2 ( a ), not updated with new derogatory data. This appears to be willful retaliation for prior disputes and is a clear violation of the FCRA. I am demanding immediate deletion of this account and a full investigation into how and why this false update was made. THIS IS NOT DEBT!!!!!! THIS IS Retaliation

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 2025-08-05 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: Experian Information Solutions 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 identity 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 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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Inaccurate Auto Loan Account Reporting Dear Credit Bureau , I am writing to dispute the reporting of an auto loan account that appears on my credit report. This account is being reported by Banco Popular de Puerto Rico, and I believe it is inaccurate or not mine. 
I have not had any auto loan with this lender, and I have never signed or co-signed for such a loan. Furthermore, the account continues to be updated as if it is active, which is incorrect and damaging to my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and either : Delete this account from my credit report. 
I request this item to be removed from my credit report immediately. 
Please send written confirmation of your investigation results. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Subject : Formal Dispute and Request for Deletion Medical Information Reported in Violation of 15 U.S.C. 1681c-2 I am writing to dispute three accounts currently being reported on my credit file : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apartments The first two accounts are related to medical debt and are being reported without my written consent, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). Under this law, consumer reporting agencies and furnishers are prohibited from including medical information on a credit report unless explicitly authorized by the consumer in writing. I have not provided such consent and am requesting these medical-related accounts be immediately blocked and permanently deleted from all of my credit reports. 

Additionally, I am disputing the reporting of XXXX XXXX XXXX. I moved out of that property in 2019, and this account is now over 7 years old. Under the FCRA ( 15 U.S.C. 1681c ), this type of negative information is only allowed to remain on a credit report for a maximum of 7 years. However, Ive noticed that the date keeps being pushed forward in order to keep it on my report longer than legally allowed which is both misleading and a potential violation of the FCRA. 

Because this dispute includes both unlawfully reported medical information and expired negative information, I am requesting that all three of these accounts be immediately removed. 

Due to the legal violations involved specifically under 15 U.S.C. 1681c-2 I expect a resolution within 4 business days and written confirmation that these items have been removed. 

Thank you for your prompt attention to this matter. 

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, I am covered by VA benefits that handle all of my medical expenses. 

Wakefield & Associates has reported a medical collection account to XXXX, which is inaccurate. This account exists due to billing or insurance errors beyond my control. I have never been personally responsible for medical bills outside of the VA. 

This incorrect reporting is now preventing me from securing a VA home loan, creating an undue financial hardship. 

I respectfully request that Wakefield & Associates fully delete this account from my credit report and cease any further reporting activities. 

Attached are documents confirming my VA XXXX XXXX XXXX XXXX status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've disputed numerous unauthorized inquiries that continue to appear on my credit report maintained by Transunion. I've been a victim of identity theft and multiple data breaches dating back to 2015. Despite numerous disputes filed with your agency, these unauthorized inquiries remain on my report. I have also contacted the companies responsible for these inquiries, yet they have failed to respond or provide any evidence that I authorized such access to my credit file. The continued presence of these inquiries constitutes willful noncompliance with federal law. I hereby DEMAND the following actions within 15 days of receipt of this letter : 1. Immediate removal of all unauthorized inquiries from my credit file.

2. Written confirmation of their deletion.

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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian and Transunion are reporting an account that should have been deleted from my credit report in XX/XX/year>. The account XXXX XXXX XXXX XXXX has been deleted from XXXX, and I have attached correspondence from the company saying that they have ceased collection and requested the removal of this account. At this time, I am not seeking monetary relief, or legal action, I am only requesting the deletion of this account as it is 9 months past due.

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 2025-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing formaly a complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Please remove the following Chargeoff Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} Also, I'm gon na need the following inquiries remove from my file with accordance to FCRA 619 15 U.S.C. 1681q XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> Lastly, I need this collections remove this collection account as per Per 605B / 15 U.S.C. 1681c-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$390.00}

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 2025-08-05 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: GA

Complaint narrative:
( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

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 Accounts in question : XXXX XXXX XXXX. {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

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 Accounts in question : XXXX XXXX XXXX. {$4000.00}

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 2025-08-05 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:
Please see supporting documentations pertaining to EQUIFAX DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Please see supporting documentations pertaining to EQUIFAX DATA BREACH

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-05 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: CA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 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:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood Financial LLC, the brokerage arm of Robinhood Markets Inc. has restricted my account as soon as I started moving my Cryptocurrency I had purchased through the Robinhood app. A restriction was put on my account citing " Unusual activity ''.

Robinhood stated unusual activity while still actively processing XXXX transfers orders from my XXXX XXXX XXXXXXXX account simultaneously. So their security concerns where an obvious deception in order to keep me from accessing my positions I hold with them. When speaking to an agent I mentioned the purchase during their security check and how they where still accessing my bank account. When i mentioned this to customer service they immediately removed the button to buy. Only Sell button iss active now. 

After I gave all documents requested, downloaded directly from XXXX XXXX XXXX, I was given a XX/XX/XXXX date of document review in order to verify all my information. I went in today now it is telling me XXXX as the date for document review. 

I contacted XXXX XXXX XXXXXXXX informing them of what is going on. XXXX accepted all transfers to my Robinhood account via XXXX. XXXX stated they are ready to pursue fraud as this is an ongoing practice by Robinhood. If they are taking the money via XXXX and not allowing customers access to their funds once cleared it constitutes wire fraud for transfers over {$10000.00} and dollars must be reported by XXXX to the SEC on behalf of the consumer. 

-I am attaching images : of the first date review. XXXX on top of the app -I am attaching images : document request receipt for XXXX review -i am attaching images of the XX/XX/XXXX banner that say to upload documents which I did already. 
-I am attaching images : document request receipt for XXXX review XXXXThey closed the chat option. 
-Restricted across the app EXCEPTt to sell. 
-Holdings XXXX XXXXXXXX

Company response to consumer: Closed with explanation