vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I discovered a fraudulent credit card account with Bank of America that I never applied for, authorized, or used. 

Bank Name : Bank of America Account XXXX XXXX last XXXX digits ) : XXXX Open Date : XX/XX/year> Balance : {$2800.00} I am a victim of identity theft. I did not authorize this account, never signed any documents, never activated or used the card, and was unaware of its existence until I reviewed my credit report. 

I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ). 

FTC Report Number : XXXX In addition, I have prepared, signed, and notarized an official Affidavit of Identity Theft, which I am attaching to this complaint.

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 2025-05-16 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:
PERIODIC BILLING STATEMENT RMy account with XXXX AND XXXX XXXXXXXX XXXX was never XXXX XXXX I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

BRIGIT/COASTALCBK/ARY AND XXXX XXXX XXXX never XXXX XXXX XXXX statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reportsEQUIRED UNDER 1666B

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 2025-05-16 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: MI

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 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX  ] XXXX XXXX XXXX Re : Formal Dispute of Inaccurate Credit Reporting Account Name/Number : [ Department of Education / XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit report concerning a late payment allegedly made to the Department of Education / XXXX . This item appears on my credit report as a late payment, which I believe to be inaccurate and unverifiable. 

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered to the consumer not less than 21 days before the payment due date. I have reason to believe this requirement was not met, and I am requesting verification that the creditor complied with the statutory requirements.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete or inaccurate. I am requesting that this account be investigated and that you provide : Documentation verifying that the late payment is accurate and that proper notice was given in compliance with 15 U.S.C. 1666b.

The name and contact information of the person or entity that provided the alleged information.

The date this information was reported to your agency.

If you are unable to verify the information within 30 days, as required under the FCRA, the information must be deleted from my credit report.

Please also send me an updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter. Please contact me at the address or phone number listed above should you need any additional information from me.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-16 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached 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. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-16 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached 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. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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
Consumer complaint received 2025-05-16 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: MI

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 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I literally transferred money from my other bank to unlock the features that come with XXXX  checking account after the transter money was available in my account. I went to the ATM went to the grocery store and grab food and they locked my account and told me it was unusual activity. I stated to them that I had bills today that was urgently needing to be paid on my lights will be off.

They told me I would have to wait one business day and it have been one business day and when I called again today, they told me again that I have to wait another business day for no reason now my lights are off. I feel like they are giving me the runaround and trying to keep my money. I literally transferred XXXX from my other account that came from my tax refund. And now my account is locked please help if I don't pay my rent they evict in three days.

They literally unlocked my account today at XXXX and then put the restriction back on the account at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: WI

Complaint narrative:
I informed the company that the information they are reporting is inaccurate and it is not mine. this information is greatly negativity affecting my credit report. this is debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-16 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: GA

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 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:
" 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robinhood has frozen my brokerage account containing approximately {$42000.00} in assets. I have been locked out of my funds and unable to access, transfer, or withdraw my money for an extended period of time.

Despite multiple attempts to contact Robinhood through their customer support channels through email and phone, I have received either no response or vague, generic replies with no timeline or explanation for the freeze.

I have not received any clear justification for why my account is frozen, and Robinhood has refused to provide a direct point of contact or resolution path. This is causing me severe financial distress, as I am unable to access my own money or receive answers from a live person.

When I call them on the phone they give me no explanation to why this happend to my account and they give no explanation when i can expect to recover my account. On the app it says " We will notify you about your account by a date '' and when that date comes the new notification updates to a even later date with no explanation. When I call them to ask when I can have access to my account they respond with " we're not sure '' I have submitted documentation and followed all instructions provided by support, yet the issue remains unresolved. I am now left with no option but to seek help from regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I had to file a dispute on some XXXX XXXX transactions that were not me. The guy who took my dispute filed every charge separately which caused the account to be flagged and closed. Okay fine. When my account was closed they refused to give me my funds from the account because they said the funds came from a provisional credit which is still technically my money to protect financial hardships as the one I am in now because of the 90 day investigation. I have called and called the company will hang up or say there is no one to talk to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Compliance Department, I am writing to dispute the inaccurate and unlawful reporting of medical debt listed on my credit report. This reporting directly violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureaus ( CFPB ) final rule issued on XX/XX/year>, as well as Regulation F under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, the CFPB finalized a rule that prohibits the inclusion of all medical bills on consumer credit reports, regardless of the payment status, amount, or date of delinquency. This rule was enacted after findings that medical collections have little predictive value of creditworthiness, and that their inclusion on credit reports was often used as a coercive and abusive collection tactic. CFPB XXXX XXXX XXXX emphasized : > The CFPBs new rule ends the practice of weaponizing the credit reporting system to coerce patients into paying medical bills they may not even owe.

This rule directly prohibits credit reporting agencies from furnishing or maintaining medical debt collection tradelines. Further, Regulation F ( 12 CFR Part 1006 ), which implements the FDCPA, places strict limits on debt collection practices, including misrepresentation and the communication of disputed or non-verifiable debts to third parties, including credit bureaus. 

The account ( XXXX ) listed below violate both the XXXX and letter of these protections : XXXX XXXX : XXXX, XXXX & XXXX Account Number : XXXX Reported Balance : {$660.00} Date XXXX You are hereby formally notified that this account must be deleted from my consumer file immediately under the authority of : - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c ( a ) Prohibition on obsolete information - 12 CFR Part 1006 ( Regulation F ) Prohibited collection and furnishing of medical debts in violation of consumer rights- CFPB Final Rule, XX/XX/year> Barring the inclusion of medical bills on consumer reports I demand deletion of this medical debt from my credit report within 30 days as required under FCRA 1681i ( a ) ( 1 ) ( A ). If the item is not removed, I will file formal complaints with the CFPB, the FTC, and my State Attorney Generals office, and will seek legal remedies for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Please provide written confirmation of the permanent deletion of the account ( s ) listed above. If you continue to report this information, provide the method of verification used, a copy of the information received from the furnisher, and a justification under federal law for reporting a medical debt now deemed unlawful. 

Govern yourself accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a 30 day late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt.

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