vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
NH AG Complaint : XXXX arbitrarily and unilaterally restricted my account and thereby restricted my control of my securities, crypto and funds! I have been blocked from reaching a live agent and have no means to seek relief with XXXX. Not only did they block access to all of my accounts and money but I was left with no explanation or way to contact them as when they restrict you they also restrict you from their chat services and theres no way to contact a live agent by calling the number listed on their help page! I am new to investing and have never dealt with a company before so if I did something wrong then I have no idea what it is or if I even did something wrong. Its absolutely preposterous for a company to ask to hold all of your stocks, retirement and crypto accounts then lock you out leaving you no access to all of these assets you paid for! Its an absolute DISGUSTING way to run a financial company!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I received a letter from Transfinancial Companies stating that as of XX/XX/year> I owed {$1900.00} to XXXX XXXX XXXX XXXX XXXX. I had not received any notification of past due debt from the debtor. I sent a certified letter to Transfinancial Companies on XX/XX/year> at the return address on their letter requesting that the debt be verified with the timeline of 30 days. Transfinancial Companies refused the certified letter and has made no formal attempt to contact me. Transfinancial Companies has since reported a derogatory account to a credit reporting agency without validating the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have called multiple times requesting from this company proof this is account is mine, they were not able to. Multiple times I requested proof of investigation and all they did was come back and say the account is valid. Which is completing violating the rights. They are not complying. They are completely brushing me off. They are not practicing fair play. Multiple times I requested if this account is mine can you show me if theres any credit card or debit thats with my name on thats attached to this account to make such payment. They were not able to. I request to remove this account since they can not properly verify. Still they did not.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have called multiple times requesting from this company proof this is account is mine, they were not able to. Multiple times I requested proof of investigation and all they did was come back and say the account is valid. Which is completing violating the rights. They are not complying. They are completely brushing me off. They are not practicing fair play. Multiple times I requested if this account is mine can you show me if theres any credit card or debit thats with my name on thats attached to this account to make such payment. They were not able to. I request to remove this account since they can not properly verify. Still they did not.

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 2025-03-25 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: AL

Complaint narrative:
I am reaching out to dispute the inaccurate reporting of the account XXXX  XXXX associated with the number XXXX on my credit report. The account is currently listed as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity as XXXX, and the last verified date noted as XXXX. 
This information is incorrect, This account was settled even though it was opened fraudulently by identity theft. I have already submitted this in dispute as well as the identity theft report without response from XXXX or removal from credit report. 
I am requesting its immediate removal. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act, credit reporting agencies have a legal obligation to ensure that the information reported is accurate and up-to-date. Furthermore, I am entitled to receive the documentation and verification methods used to investigate this account. 
The obligation to ensure accuracy was emphasized in the case of Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), where the court ruled that failure to investigate disputed information thoroughly violated the FCRA. 



There was an account opened in my name fraudulently around the same time as the other already reported accounts opened due to identity theft. XXXX started reporting on my Experian report, I actually went ahead and paid the amount although it was not mine to pay so I could get this taken care of and off of my report. The account shows settled however it has not been removed from Experian Credit Report, I already explained it was not my account and should be removed and tried to pay them so it would come off. 

I have disputed this multiple times with Experian including the Identity theft report.

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 2025-03-25 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: Block, Inc.
State: VA

Complaint narrative:
XX/XX/2024 I received a text from cashapp stating my pin was changed and if I did not change it to contact customer service. I immediately contacted customer support the only option they had at XXXX XXXX XXXX  was chat. As I am chatting with the rep whoever hacked my account started making changes to lock me out the account. I notice a {$5.00} payment was sent to someone I did not know. Then {$240.00} was taken and purchased bitcoins. They tried to get money off my card that was linked to cashapp but luckily I had the card locked. Ive never dealt with bitcoin and do not know how to set it up. The chat rep told me to call customer support at 9 am to file a report. When I spoke with the rep at 9 she assisted with getting me back into my account. Everything was changed on my account. The email the cashapp tag. A report was submitted and they denied my claim stating I did the transaction. The last transaction I made on my account was XX/XX/2024 at XXXX for {$24.00}. I repeatedly filed claims and each time they denied it. I never gave anyone information to my account, I didnt use my cashapp info on any websites, and I have never sent $ XXXX any funding. They was able to get me back access into my account but failed to provide me my money back. I kept the account and info how it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the inaccurate information currently listed on my credit report. Upon reviewing my report, I noticed discrepancies that do not reflect my actual credit history.

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 2025-03-25 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
After a long process of disputing they again come back verified accurate instead this time they send me a lease agreement thats signed. No where in the info signed showed what they are collecting on or adds up to the amount they are collecting on I can not pay something i dont know what im paying what was sent was a lease agreement and they keep saying its accurate when that charge is not accurate at all. I request the information regarding exactly what those charges are and agreement with the people collecting in which Ive never had an agreement with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I'm reaching out to dispute an unauthorized credit inquiry listed on my report. Ive recently reviewed my credit file and noticed an inquiry that I did not authorize in any way. I never gave this company permission to pull my credit, and this inquiry is both unauthorized and fraudulent. This is a serious issue that I expect to be addressed immediately.

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 2025-03-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may n treat a payment on a credit card/XXXX account under an open end XXXX consumer credit plan as late for and purpose.

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are in violation of XXXX XXXX XXXX ( XXXX ) ( B ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-03-25 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/2016 {$0.00} 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 2025-03-25 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-03-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation