vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: NC

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

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 2025-10-23 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: TX

Complaint narrative:
Please promptly remove this unauthorized inquiry, as I have no connection or previous relationship with the listed creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have requested assistance with regaining access to my Robinhood account. Despite multiple attempts to log in and contact support, there has not been any resolution or follow-up. I wrote an email on XX/XX/XXXX after attempting to gain access through multiple avenues. After receiving no reply, I sent another email on XX/XX/XXXX. I am now resorting to financial regulatory agencies as I stated in the email. I believe I have around {$55000.00} or more in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-23 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: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate inquiries that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and credit bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-10-23 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: IL

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 FRAUDULENT INQUIRIES 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 2025-10-23 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : Subject : Dispute and Request for Deletion of Negative Information Due to Equifax Data Breach Dear Equifax Dispute Department , I am writing to formally dispute and request the removal of any and all negative or inaccurate information that may have appeared on my credit report as a result of unauthorized access or identity theft following the Equifax data breach.

As you are aware, Equifax publicly acknowledged a major data breach in which millions of consumers personal information was exposed. I was affected by this breach, and I have reason to believe that certain negative entries on my credit report may have resulted from fraudulent or unauthorized activity linked to that incident. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and permanently delete any negative, inaccurate, or unverifiable information from my credit report that could have been influenced by this data breach. 
Please send me written confirmation once this investigation is complete, along with an updated copy of my corrected credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the time frame allowed by the FCRA. 
Sincerely, XXXX XXXX XXXX of Birth : XX/XX/year> Last XXXX of 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 2025-10-23 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : Subject : Dispute and Request for Deletion of Negative Information Due to Equifax Data Breach Dear Equifax Dispute Department , I am writing to formally dispute and request the removal of any and all negative or inaccurate information that may have appeared on my credit report as a result of unauthorized access or identity theft following the Equifax data breach.

As you are aware, Equifax publicly acknowledged a major data breach in which millions of consumers personal information was exposed. I was affected by this breach, and I have reason to believe that certain negative entries on my credit report may have resulted from fraudulent or unauthorized activity linked to that incident. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and permanently delete any negative, inaccurate, or unverifiable information from my credit report that could have been influenced by this data breach. 
Please send me written confirmation once this investigation is complete, along with an updated copy of my corrected credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the time frame allowed by the FCRA. 
Sincerely, XXXX XXXX XXXX of Birth : XX/XX/year> Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
Dear TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express unilaterally closed all of my credit card accounts without prior notice or explanation. As a result, I lost access to over XXXX XXXX XXXX XXXX ( worth more than {$2000.00} XXXX XXXX 

I did not request these closures. When I contacted Amex customer service, I was told that my points can not be transferred, but I was never provided with any written reason for the closure or the forfeiture of points. 

All of my account activity was legitimate, payments were timely, and I was in good standing before the closure. I have never violated any Membership Rewards or Cardmember Agreement terms.

Under the Consumer Financial Protection Act ( UDAAP provisions ), this may constitute an unfair or abusive practice because Amex provided no notice, no explanation, and no reasonable opportunity to redeem or transfer the points I had earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear TransUnion 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 - XXXXXXXX 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System repeatedly calls my phone about an alleged debt that I do not believe is mine. I have verbally asked them for proof and to stop calling, but they continue contacting me several times a week. They have not sent any documents verifying the debt or their authority to collect it. I am filing this complaint because the collection account appearing on my credit report from IC System is not a valid debt. I have never opened, signed, or applied for this account and believe it may be due to misidentification or identity theft. I have asked for written proof showing that I owe it, but nothing has been provided.

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 2025-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau Experian XXXX XXXX  Source Receivables Management ( on behalf of XXXX  ) Subject : Dispute of Inaccurate Information & Request for Verification under the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am formally disputing an account being reported under my name by Source Receivables Management, allegedly on behalf of XXXX. I have never opened, authorized, or consented to any XXXX account or service. Therefore, this reporting and collection activity are inaccurate and in violation of multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

1. Violation of 15 U.S.C. 1681s-2 ( a ) Duty to Report Accurate Information Credit furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Since I did not open any XXXX account, the account being reported is false and unverifiable, and should not appear on my credit report. 

XXXX. Violation of 15 U.S.C. 1681i Reinvestigation of Disputed Information Upon receipt of this letter, you are required to conduct a reinvestigation within 30 days to verify the accuracy and validity of this account. 
If Source Receivables can not verify that I am legally responsible for this debt with proper documentation ( such as a signed application or contract ), this account must be deleted from all credit bureau files and collection activity must cease.

3. Violation of 15 U.S.C. 1681b Permissible Purpose No entity may obtain or use my consumer report without a permissible purpose. Since I did not initiate any business relationship with XXXX, Source Receivables has no permissible purpose to access or report my credit information. 

Requested Actions I am requesting the following under federal law : Immediate deletion of the XXXXSource Receivables account from my credit report. 

Written verification from Source Receivables that this account was verified as mine, including documentation such as : Original signed contract or application.

Date of account opening and assignment. 

Chain of ownership showing transfer from XXXX to Source Receivables. 

A copy of the results of your reinvestigation under 15 U.S.C. 1681i ( a ) ( 6 ).

If this account can not be verified, it must be removed immediately from all consumer reporting agencies and all collection activity stopped. Continued reporting of false information after being notified constitutes willful noncompliance under 15 U.S.C. 1681n, which may result in civil liability. 

Thank you for your attention to this matter. Please respond to me in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
Submitted quite a few dispute for the account and last time I asked for the original contract and they came back and said its been verified but I know its HIGHLY IMPOSSIBLE DUE TO THE FACT THAT Ive had XXXX number around the time that was opened and I also learned my WiFi is the XXXX who obtained this account well ex wife and her ex new boyfriend again once I figured out the address it went to they refused to remove the account and I started receiving random phone calls over XXXX a day first few times spoke asking for me and a payment method last time guy threatened me and stated XXXX ruin my credit since then they now just call me daily different numbers all day long and when I attempt to call them and ask to stop XXXX EXTREMELY STRONGLY DENY IT BUT ASKS FOR A PAYMENT METHOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
XXXX XXXX from XXXX XXXX was opened in my name thru fraud.  The card was used to charge approximately XXXX.  After7 months of calls and correspondence, I was assured by XXXX XXXX that the account was closed, and that I had no responsibility for the debt. However, the "charged off" account continues to appear on my credit report and continues to result in a credit score that was reduced by more than XXXX XXXX.  I have been thru another round of fruitless telephone calls and reports.I have been assured multiple times that this issue has been resolved and would be rectified with the reporting agencies.  It has not.\n   This is the information I have:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has not withdrawn the erroneous information from the account, has not notified the credit reporting agencies of the fraud relative to this account, and has not had my credit scoring repaired.  I was assured that all of this would be accomplished. \nI need your helpXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would be more than happy to provide you any further information, or personal information you may need'

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 2025-10-23 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: WA

Complaint narrative:
I am filing this complaint to formally dispute one or more unauthorized hard inquiries on my credit report. A hard inquiry can only be made with my specific permission, and I did not authorize these pulls for any application for credit or services.

These unauthorized inquiries are negatively impacting my credit score without cause.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I did not open this account ; it is being reported incorrectly on my credit file.

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 2025-10-23 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-23 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-23 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: FL

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 FRAUDULENT INQUIRIES : 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 2025-10-23 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: MD

Complaint narrative:
Dear TransUnion 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

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