vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: AZ

Complaint narrative:
I am filing this complaint because Checkr has failed to resolve or respond to my background check dispute within the legally required timeframe. 

On XX/XX/year>, I submitted a formal dispute through XXXX website regarding a background check report that incorrectly listed a charge for False Statement to Obtain Benefits. This charge is still pending in court and should not have been treated as a final conviction or used to disqualify me from working. 

As part of my dispute, I attached official court documents showing that I have been actively paying restitution on this matter for over a year and that the case has not resulted in a conviction. Despite providing this documentation, Checkr has not updated my background report or provided any response or status update. 

More than 30 days have passed since my dispute was filed, far exceeding the time allowed under the Fair Credit Reporting Act ( FCRA ) for a consumer reporting agency to complete its reinvestigation. This delay has caused significant financial hardship because I am unable to continue working with XXXX while the incorrect information remains on my record. 

I am requesting that Checkr be required to complete my dispute review immediately, correct or update my background report, and notify XXXX of the accurate status of the charge so that my account can be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-10 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: DISCOVER BANK
State: CA

Complaint narrative:
I reviewed my XXXX Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to the credit bureau and informed them that I am a victim of identity theft and submitted all necessary documents but they will not remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I disputed a charge with Wells Fargo for a charge on my debit card that was made on XX/XX/year> for XXXX. The service I was provided from XXXX XXXX XXXX XXXX damaged the product I needed service on which was my car. Wells Fargo said for them to honor the dispute, I had to go a separate XXXX party Paint protection film provider ( XXXX XXXX XXXX  ) and get a written letter by them stating that the product I needed service on was damaged. I sent the letter to Wells Fargo and was received by other support employee from Wells Fargo. They said they would not honor my dispute despite having me go get a letter from another XXXX party service provider stating that the initial service provided by the first company led to damages to my car.

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 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 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:
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 XXXX 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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) to me XXXX closed my brokerage account years ago due to a small negative balance ( ~ {$21.00} ). Recently, XXXX support emailed me and confirmed in writing that the negative balance was forgiven, the restriction was removed, and I could reactivate my account through the app ( they instructed : Account Menu Settings Reactivate Account ). 

Quote from XXXX support ( attached screenshot ) : The deficit was forgiven and resolved I was able to remove the original restriction If youd like to reactivate your account, you can request to do so directly in your app. 



When I followed their instructions, the app displayed a conflicting message : This account is closed. Your XXXX account was permanently closed, and it cant be reopened. ( attached screenshot ). I have attempted to resolve this via in-app support, email, and phone for several weeks, but XXXX written XXXX and system behavior contradict XXXX another, and I remain blocked from reactivation. XXXX also attempted and failed to update my legal name while my account was restricted ( evidence of a system-level block ). I need resolution : I want my account reactivated as XXXX stated in writing. If they refuse, I request written confirmation that the account is permanently closed, the balance is {$0.00}, and that no credit reporting or collections will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft, and both XXXX and Early Warning Services ( XXXX XXXX are reporting fraudulent, inaccurate accounts under my name. I have not had an open account with any traditional bank since 2016, yet these companies continue to report multiple accounts I did not authorize. Because of these errors, I am being repeatedly denied access to legitimate banking services. 
I previously disputed these items months ago, and both XXXX and XXXX XXXX XXXX told me the accounts would be removed. Despite giving them ample time, the false accounts remain, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). I submitted disputes to both consumer reporting agencies and provided evidence of identity theft. I waited several months for them to investigate and correct my file, but they failed to do so. I am still unable to open a bank account anywhere, which has caused me serious financial hardship, embarrassment, and stress. 
The continued reporting of false information is a direct violation of the FCRA, specifically : 602 ( A ) Failure to ensure maximum possible accuracy.

611 Failure to conduct a reasonable reinvestigation within 30 days.

623 Reporting information known or reasonably believed to be inaccurate.

605B Failure to block identity theft information after receiving an identity theft report. 
I am demanding that all inaccurate, unverified, or fraudulent information be permanently removed within XXXX ( XXXX ) business days and that both agencies confirm in writing once my file is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion failed to properly investigate and correct inaccurate personal information on my credit report. I submitted a dispute regarding multiple incorrect addresses, phone numbers, and employment records listed on my report. Instead of investigating or providing a response as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion added a fraud alert to my file without my consent and closed my dispute. 
This action does not resolve my original issue and does not correct the inaccurate personal information I identified. My request was for TransUnion to verify and delete outdated or incorrect personal information not to flag my account for fraud.

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 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit collection services want {$1100.00} because I canceled my insurance so they threatened to send to XXXX credit bureaus XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXXXXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
Dear XXXX, I am writing to formally dispute and request a full refund for unauthorized recurring charges from the merchant ASKALAWYERONCALL.COM. 

On XX/XX/year>, I visited the website www.askalawyeroncall.com and entered my credit card information in a chatbox in order to proceed with the next steps of speaking with a lawyer. I did not knowingly authorize or consent to any ongoing membership or recurring payments. 

Upon reviewing my credit card statement on XX/XX/year>, I discovered XXXX recurring charges of {$60.00} each from this merchant. The website does not provide a customer portal, and I never received any confirmation, receipt, or notification ( via email or text ) that I had subscribed to a paid membership. Despite the merchant having my contact information, there was no communication regarding these transactions. 

After contacting their customer service, I was informed that the charges were membership fees. They agreed to stop future payments but stated that they could only issue a XXXX refund ( covering XXXX of the XXXX charges ). I believe this is insufficient, as I was unaware of any such membership, did not approve recurring billing, and did not receive any services from the website during this period. 

I am therefore requesting : XXXX. A full refund of all unauthorized charges from XXXX through XX/XX/year> ( totaling {$540.00} ). 

XXXX. An investigation into the merchants billing and disclosure practices, which I believe are misleading and deceptive. 

Please let me know if you require additional documentation to process this complaint. I am attaching a copy of the relevant transactions and any correspondence with the merchant for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
Under FCRA 602 ( 15 U.S.C. 1681 ( a ) ) Congress found that inaccurate credit reporting can harm consumers, so agencies must adopt procedures to ensure maximum possible accuracy. This inaccurate or incomplete information, must be investigated by all parties involved including but not limited to Transunion, Experian and XXXX, usually within 30 days, and correct or delete any information that is found to be inaccurate or can not be verified.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: OH

Complaint narrative:
Under FCRA 602 ( 15 U.S.C. 1681 ( a ) ) Congress found that inaccurate credit reporting can harm consumers, so agencies must adopt procedures to ensure maximum possible accuracy. This inaccurate or incomplete information, must be investigated by all parties involved including but not limited to XXXX XXXX and Kikoff, usually within 30 days, and correct or delete any information that is found to be inaccurate or can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$93.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * - Balance : {$150.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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