vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXXXXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-04-29 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 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: GA

Complaint narrative:
I am formally submitting a complaint regarding the inaccurate reporting of a late payment on my credit report by TransUnion. The record reflects a delinquent payment that is factually incorrect, as the payment in question was made on time. Nevertheless, this erroneous information remains on my report, unjustly impacting my credit score and financial reputation. 

This matter requires immediate investigation and correction. I request written confirmation once the necessary update has been completed.

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 2025-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LendKey Technologies, Inc.
State: LA

Complaint narrative:
Since XX/XX/year>, I have opened two private loans through XXXX XXXX XXXX XXXX XXXX. The first loan is {$12000.00} with 12.49 % interest rate. The other loan is {$9900.00} with an interest rate of 9.59 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IN

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. Its clearly been mixed in with my credit file by mistake, and its tied to someone else entirely. Ive never opened or been associated with this account, and its unacceptable that its being reported under my name.

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 2025-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I have received debt collection letter for the past 25 years. This individual has never lived here or know this person. How can I stop it from showing on records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. Its clearly been mixed in with my credit file by mistake, and its tied to someone else entirely. Ive never opened or been associated with this account, and its unacceptable that its being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: GA

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 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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
someone opened this card in my name and i been fighting it since XXXX of last year and they refuse to close it and keep charging me when i explain its not my account and i never opened it i asked for docs but will not send me anything and im being billed for an account i never opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request verification of a XXXX XXXX account that is currently appearing on my credit report as a closed account. The account in question appears to have been written off, and I am requesting detailed information under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Debt Validation Request Under 15 U.S. Code 1692g ( b ), I am requesting that you provide the following : Proof that I am legally obligated to pay this alleged debt, A complete payment history, including a breakdown of charges and payments, A copy of any original signed agreement or contract with XXXX XXXX, and Documentation that you have the legal right to collect this debt. 2. Verification of Reporting Rights As the account is marked as " closed '' or " charged off, '' I require proof that you still retain ownership of the debt or the right to collect. If XXXX has sold or transferred the debt to a third party, they no longer have the legal standing to report or collect on it, and it should be removed from my credit report under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which requires accurate and current information. Please provide : Documentation showing that XXXX XXXX retains the rights to this account, Details of any debt sale or transfer, including the name of the current debt owner, The date the account was closed and any charge-off documentation. 3. Cease and Desist Communication Under 15 U.S. Code 1692c ( c ), I formally request that you cease all further communication with me about this alleged debt, except to provide the required validation or to notify me of specific legal actions. 4. Request for Removal from Credit Report Since this account is closed and potentially written off, continued reporting of this account as a " collection '' or otherwise active debt may be misleading and in violation of the Fair Credit Reporting Act, which mandates the reporting of only accurate and verifiable information. If you are unable to provide the requested documentation within 30 days, I request that this account be removed from all consumer credit reporting agencies, including but not limited to XXXX XXXX and Experian. 5. Notice of Intent Should you fail to respond to this dispute within the required timeframe or continue to report unverifiable or inaccurate information, I will consider further actions including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney Generals office, as well as potential civil litigation for violations of the FDCPA and FCRA. Please consider this a formal request under federal law. Kindly respond within 30 days in writing. Sincerely, 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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I purchased bitcoin from robinhood and my account was debited. I tried to send bitcoin to an external wallet and my account got restricted and I got an email stating it will be closed soon. I have {$1800.00} in my robinhood balance I need to be able to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
On XXXX, I sent two wire transfers in the amount of {$1400.00} USD and {$3700.00} USD. When my cash deposit was not credited after a few hours, I logged in to find that my deposits were placed " On Hold ''. I immediately contacted support via live chat and over the phone. The representatives said that another department was responsible for this issue and that they would reach out to me. A ticket was opened with the ticket number XXXX. To this day, XX/XX/scrub>XXXX, there is still no update whatsoever. I have attempted to contact support on numerous occasions since the ticket was initiated. The representatives all provided me with the exact same answer : " We apologize but we do not have the tools to resolve this matter. A special department must handle this issue. '' This is followed by myself letting them know that this issue has been ongoing since XXXX and that a ticket was already open. They always respond by saying " we have escalated and expedited this matter to be resolved ''. Nothing has changed or updated. I have also reached out via XXXX and XXXX on the company 's official support pages. My public account ID is 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 2025-04-29 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: TX

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. Its clearly been mixed in with my credit file by mistake, and its tied to someone else entirely. Ive never opened or been associated with this account, and its unacceptable that its being reported under my name.

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 2025-04-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account Balance {$11000.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I had a duplicate payment withdrawn from my account on XX/XX/year>. I called to have a refund issued in the amount of {$260.00}. I was originally told to call back in a week if I did not receive the refund. It is now XX/XX/year> and I am still having to call on an almost daily basis to get information. For the first month or so I was told Sofi had done everything on their end and it was my banks fault. Then it determined an error was made on Sofi 's end so it was escalated. At some time in early XXXX I was told a paper check was now going to be mailed. I never received a check in the mail and when checking on the paper check status I was told a new, electronic refund had been initiated. Whenever I call now for a status update they just tell me the money should hit my account this week which it has not. While dealing with this I have had to make two additional monthly payments and have even had my due date pushed back in XXXX because I was told I would have the refund before my new due date. That information was also incorrect. Also throughout this time I have asked on every call if I can just have the original refund amount applied to my next due date and I have not been given an answer on this. At this point I would like my original refund amount plus the interest that Sofi charges me every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal 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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: MECHANICS BANK
State: CA

Complaint narrative:
Pursuant to my rights under 12 CFR Part 1026 ( Regulation Z ) 1026.23 Right of Rescission, I hereby provide written notice that I am exercising my right to rescind the credit transaction associated with my account number, secured by the vehicle identified as a XXXX XXXXXXXX XXXX XXXX. 

Under Section 1026.23 ( b ) ( 1 ), once rescission is exercised, the security interest becomes void, and I am relieved of any obligation, including finance charges. Accordingly, you are required to release any lien, claim, or security interest in the referenced vehicle and update all related records. 

Please acknowledge this rescission and promptly process the necessary release of security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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