vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX  XXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXXXXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXXXXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025 I received an email from Robinhood stating that my XXXX stock had been sold. I did not order or otherwise authorize the sale, so I logged onto the Robinhood site to verify the information. I found my stock had been sold. 

Shortly after receiving the email, I got a phone call from someone who identified himself as a representative of Robinhood who said there were suspicious activities on my account, and they were calling to verify my identity. I asked the caller to verify his identity, and he referred me to the support page>calls on the Robinhood app where I found his name and phone number and the notice that I was talking with that person. ( See attache screen shot ) Aside from confirming my name and address, I did not provide the caller with any personal or financial information. He seemed to have control of the app and my account, and I began to see the balance decrease. He had me open a crypto account " to secure my account, '' so I did that, but I did not initiate or authorize the transfer of funds. He told me not to worry about the fluctuating balance numbers, as they would fix all that in the next day or so.

Later,, I got a call from Robinhood telling me there was suspicious activity on my account, and that they were calling to verify my identity. I told them I had just done that with another representative. A short time later I got an email saying I had been the victim of a scam. When I asked Robinhood to explain how my stock had been sold without my permission and how the scammer had been able to use the Robinhood app to verify his identity, i got no answers. Robinhood simply told me they would not restore the lost money because I had been the victim of a scammer.

I submitted a complain through the XXXX XXXX XXXX, but Robinhood 's answer was unchanged : no explanation for how the stock was sold or how the scammer manipulated the Robinhood app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Complaint Against : XXXX XXXX of Florida and XXXX / Experian This is a formal escalation of a previous dispute regarding a fraudulent and unauthorized vehicle account being reported by XXXX XXXX of Florida on my XXXX and Experian credit reports. 

Account Details : Creditor/Furnisher : XXXX XXXX of Florida Account XXXX ( last XXXX ) : XXXXXXXX XXXX XXXX XXXX  File Number : XXXX Also appears on Experian I have no knowledge of this account and have never signed or agreed to any contract or transaction with XXXX XXXX of Florida. 

Legal Violations : Despite my original complaint and written dispute : The company has not contacted me by phone, mail, or email, as required under FCRA. 

I have received no documentation or validation of the account. 

The account remains on my credit reports, despite being clearly unauthorized and disputed. 

This violates the following federal laws : FCRA 15 U.S.C. XXXX ( a ) ( XXXX ) : Requires reasonable reinvestigation and a consumer response within XXXX days. 

FCRA 15 U.S.C. XXXX ( b ) : Requires furnishers to investigate and remove inaccurate or unverifiable data. 

FCRA XXXX ( a ) ( XXXX ) : Requires deletion of unverifiable items. 

They claimed to have responded to my complaint, but I have never received any response by mail, phone, or email. This is now an issue of regulatory noncompliance and bad faith 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 explanation
Consumer complaint received 2025-06-25 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute a collection account that has been reported under my name. The details of the account are as follows : Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Credit Collections Original Amount Owed : {$84.00} Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$84.00} Agency Contact : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX | ( XXXX ) XXXX This debt was not only assigned to a third-party agency, but it also remains unpaid and unverified, and I am demanding a full investigation and proper documentation under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 

I request the following documentation : The original signed agreement or contract between myself and XXXX XXXX XXXX XXXXXXXX XXXX that legally obligates me to this debt Proof of assignment or ownership, showing that Credit Collections has the legal right to collect and report this debt Complete payment and billing history A detailed breakdown of how the amount of {$84.00} was calculated Evidence that this collection account was reported in full compliance with the FCRA and FDCPA Under FCRA law, any account that can not be verified with accurate, complete, and original documentation must be immediately deleted from my credit report. It is not enough to provide internal records from a debt collector I am entitled to see legally binding proof from the original creditor, not just hearsay or billing summaries. 

Reporting unverifiable or inaccurate information is a violation of federal law, and I take these violations seriously. I am preparing to take further legal steps if this account is not removed or properly validated in a timely and lawful manner. 

This letter serves as a formal dispute and request for validation. Please complete your reinvestigation within the XXXXday window allowed under the FCRA, and respond in writing with all requested materials. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am a victim of identity theft and would like accounts removed as soon as possible.

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 2025-06-25 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:
I am a victim of identity theft and would like accounts removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am a victim of identity theft and would like accounts removed as soon as possible.

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 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/year>2023 I was diagnosed with a XXXX XXXX. I am currently in home XXXX XXXX and am trying to explain to Shellpoint XXXX that I want to keep my home. I am being told that it is in foreclosure but its been on hold for over a year. Shellpoint gave me a repayment plan that is not financially feasible for me as I do not have down payment of XXXX. I was told by supervisor that if my home was not XXXX Foreclosure Shellpoint could help me. I am XXXX, I am trying to secure my home for my family, I am asking for help saving my home from foreclosure. I can not afford a massive down payment but can afford to bring current over monthly payments. I am just asking for any help possible. I got behind on my mortgage due to medical expenses, I am sincerely asking help keeping my home. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NC

Complaint narrative:
Reached out to cash app to file a dispute for a purchase at XXXX on XXXX XXXX in the amount of XXXX the item was marked as delivered and i never received the package sent cash app the photo provided by XXXX to show there isnt a apartment number for me to locate and find merchandise. The case was denied 2 times in 24 hours. The reason given was due purchase history. I have never filed a dispute with cash app before and no agent is reaching out for assistance with the case. They only refer to continue to dispute the charge with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been mislead into believing this account would be a normal car loan account. I was told that there would be no issues with me getting this car paid off but the car loan account has not changed since I obtained it in 2019 the loan started at {$20000.00} which it still shows the same amount after almost six years of making monthly payments. Im not able to do anything with this loan do to it still remaining the same price which doesnt make since. If I wasnt making any payments in six years they would have been came to get the car. This company is Regional Acceptance Corporation account 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On my background report that I obtained from XXXX employment, it has addresses on there that I have never lived at, received mail at, or anything I dont know where these places came from and I would like them removed

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