vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-13 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: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
im unaware of the debt and did not have Opportunity to dispute this account. if you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. if not please delete account as soon as possible from my credit report or I will take legal action.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I attempted to lift a credit freeze through Experian 's website to apply for a credit card. After entering my personal information, the system said it would send a verification 'Key '' to my phone number which it correctly displayed. However, I never receive the verification code. 
I can not proceed or resolve the issue. I have now called multiple Experian numbers more than ten times. On one line I spoke with a live person SEVEN DIFFERENT TIMES. Each one initially claimed they could help - only to transfer me back to the AUTOMATED PHONE SYSTEM ( WHICH I SPECIFICALLY ASKED THEM NOT TO DO ) and of course the automated phone system couldn't help me.

I explained repeatedly that the system isn't working properly. The last representative I spoke to told me I " can not speak to a human '' and refused to escalate or transfer me to a supervisor, saying " my supervisor doesn't take calls '' As a result, I can not lift my credit freeze and I can not access credit. Experian 's website is broken and its customer service is COMPLETELY INACCESSIBLE.

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 2025-06-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK Date Opened XX/XX/year> Account Number : Ending in XXXX The account listed under CITIBANK is being inaccurately reported in violation of my bankruptcy filing and the Automatic Stay established by 11 U.S.C. 362. The reporting status does not reflect the proper legal protections and orders issued by the bankruptcy court, constituting a violation of both the Bankruptcy Code and federal consumer protection laws.

Under FCRA 607 ( b ), any party reporting information to a consumer reporting agency must ensure maximum possible accuracy. Reporting a charge-off, collection status, or any other negative notation during the protected period of bankruptcy is materially misleading. If I previously disputed this entry, a failure to reinvestigate and validate the debt under FCRA 611 ( a ) further compounds the violation.

I also have a right to be informed of the data source under FCRA 609 ( a ) ( 1 ). Since the bankruptcy court does not provide this data directly, the credit reporting agency and the creditor are obligated to identify the third-party source of the erroneous information.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-13 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am filing this complaint against Experian for its failure to investigate a valid, fully documented dispute, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX refusal to act on my dispute has obstructed the correction of inaccurate information on my credit report and has caused continued harm to my financial standing. 
On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX XXXX Mail ( Tracking # XXXX ). This letter requested an investigation into multiple inaccurate items on my credit report. To comply with FCRA requirements, I included all necessary identity verification documents : a government-issued photo ID, Social Security card , and a recent utility bill showing my current address. XXXX tracking confirms that Experian received this letter on XX/XX/year>. 
Despite fulfilling all verification requirements, I received an email response from Experian on XX/XX/year> stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This response is not only inaccurate but completely unjustified. I submitted the dispute with proper documentation. Experians decision to reject the dispute without any meaningful review or follow-up is a willful violation of FCRA Section 611, which mandates that credit reporting agencies conduct a reasonable investigation and respond within 30 days.

Experians failure to act is impeding my ability to correct errors that are currently damaging my credit report, limiting access to financial opportunities, and creating unnecessary hardship. Such disregard for consumer rights reflects a disturbing pattern of noncompliance that demands immediate regulatory intervention.

To substantiate my claim, I have attached : A copy of my original dispute letter, USPS Certified Mail receipt ( Tracking # XXXX ), A copy of Experians response email dated XX/XX/year> 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 2025-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I have called and emailed multiple times. Newrez will not release the name of the investor to me. They say they do not have to disclose this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX - XXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history. 
XXXX. XXXX XXXX XXXX - XXXX - This is a closed account showing a current payment status. The reported late payment is inaccurate and misleading. Under FCRA 1681e ( b ), you are required to ensure maximum accuracy. I demand this account be updated to reflect my positive payment history immediately. 
XXXX. XXXX - XXXX - This is a closed and paid account with excellent payment history. Under FCRA 1681e ( b ), the reported payment status is inaccurate and must be corrected to reflect a positive payment history immediately.

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 ( XXXX ) as proof from the US Federal Trade Commission that all of 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 2025-06-13 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: FL

Complaint narrative:
Im contacting you because there is an account showing up on my credit report that does not belong to me. It appears my information is being inaccurately mixed with someone elses, and this is directly affecting my credit profile. 

To be clear : This account is not mine. 

I have no association with it. 

Yet it is showing up as part of my credit history. 

And worse, it's intertwined with my personal credit information.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood has locked me out of my account until I complete and pass a document verification process. Ive submitted half of the requested except for two items a XXXX XXXX statement which XXXX doesnt provide in the format Robinhood requires and a statement for the card ending in XXXX would not include the debit card numbers, just the information to the bank account its linked to. Ive explained this, offered alternatives, and submitted all other materials. Despite this, I continue receiving automated responses that my case is resolved, even though it is not. 

I was also told Id be contacted by phone by a representative, but that never happened. This lack of communication, inaction, and the short timeline ( only a couple days left ) has left me unable to access or manage my account. 

This is severely impacting my ability to manage my finances. I also pay for Robinhood Gold which is not how I'd expect Gold Members to be treated. Im requesting Robinhood immediately provide live human support, accept the best available documentation for my card, and fully resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had several checking accounts with Fifth Third. Everytime that account would go into the negative, they would disable my online access to the accounts. I would have to call in and speak with someone to get access. The accounts were closed with negative balances. When I saw that both accounts were negative, I made a {$500.00} deposit to cover the balance that I could see. I went into the branch to inquire about the balance on the other account, which they had closed and removed the account from my profile. The banker told me that I didn't owe any money on the closed account because they had covered the overdraft on that account from the account that was opened. 

The problem with the account that was closed is that I made a payment to XXXX on XX/XX/XXXX and they returned it in XXXX. So, in XXXX the transaction was paid. Then, my services were interrupted in XXXX because they went back in and reversed the payment from XXXX. This is just XXXX example. Due to how they return items, charge exorbitant overdraft fee, daily overdraft fees, and constantly block my online access to the accounts, I stopped using the accounts. There were several instances where this has happened and the balance was thrown off, which led to the account being overdrawn without my knowledge. 

All of my accounts have been closed and reported with negative balances to XXXX. However, almost a year after the accounts were closed they sent me refund checks for those accounts because they made internal errors. So, this means that the accounts were not in the negative and should have been closed, nor should they have been reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IA

Complaint narrative:
This 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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$8100.00}

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