vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
On XX/XX/XXXX of XXXX, I had many of financial accounts compromised via my phone, one of which was my Robinhood account. My Robinhood was accessed, and all of my Cryptocurrency was sold ( valued at {$3800.00} ). From there the money was transfered to a Robinhood spending account ( which was fraudulently opened ) and transferred to an unknown VISA debit card ending in 5509 ( not my debit card ). Due to my phone being stolen and Robinhood requiring 2 factor authentification via my phone, I could not report the fraudulent activity for days until I obtained a new phone associated with my phone number. At this time, I was able to access my Robinhood account and report the fraudulent activity to Robinhood.

Actions by Robinhood following report of fraud : Robinhood voided the XXXX transactions and restored my cryptocurrency to my brokerage account. However, Robinhood did this with funds from the fraudulently-opened spending account, thus creating a - {$3800.00} balance in this account. I attempted to speak to customer service several times on this matter but could not get clear answers on what their decision was on the fraud investigation and whether I would be held accountable for the negative balance in this spending account. I eventually spoke with a customer representative named XXXX ( case # XXXX ) on XX/XX/XXXX at XXXX CST regarding this matter and she assured me that I would not be held accountable for the negative balance. If this phone record is reviewed it will back up my claims. At this point, it appeared that my fraud claim was accepted and I would not be accountable for the negative balance. Fast forward to this year, I have received a 1099-C for negative balance from this spending account. According to my taxes, this will cost me ~ {$1000.00} in tax liability. I am wondering why I am receiving a 1099-C for this money when I was told that I am not responsible for it.

I have included a police report and ID theft report detailing the theft of my phone and fraud resulting in lost assets, including those in Robinhood. I also included a PDF of the 1099-C for reference.

I was clearly given misleading and unclear information on several occasions with Robinhood, which has impacted financial decisions in my life. I never received any official correspondence about a decision or explanation on my fraud claim. This is unacceptable and deceptive customer service that has left me in a state of confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Asked for XX/XX/XXXX to remove the freeze from my account thatbI didn't put on nor do I have an account with them. They refused without me sending photo copies of my license and social. I stated I was not comfortable sending that information in the mail or via fax thatbI could not verify and they will not help me.

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 2025-02-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
The inquiries from your company on my credit report were not authorized by me, and theyve been causing harm to my financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
Re : Request for Validation of Debt To Whom It May Concern, I am writing to formally request the removal of inaccurate information currently reported by your company on my credit report. Upon reviewing my credit file, I noticed an entry related to an alleged debt that I do not recognize, nor have I entered into any agreement with your organization.

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request validation of the debt in question. Specifically, I would like to receive documentation that includes my signature on any contract or agreement that I purportedly entered into with your company. The entry in question is adversely affecting my creditworthiness and reputation.

Under the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and verifiable. Therefore, I am requesting a re-investigation of the following account Additionally, I would appreciate it if you could provide details regarding your method of verification as required by the FCRA. This documentation should include the original application, contract, or any other relevant instrument bearing my signature.

Should you be unable to provide the requested validation within thirty ( 30 ) days, I kindly ask that the disputed item be removed from my credit report promptly.

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

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 2025-02-06 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-06 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The reporting company XXXX refuses to remove debt that was brought from by debt buyers and other collection agency that isn't mine or could be mine. without proper identification of the account showing my information and signature then the debt is fraudulent and therefore should be removed from my report. I have disputed these debts, and they only allow them to update them and continue. They are hindering my ability to live and apply for proper credit. I demand that these reports be removed right now. I am also attaching a cease and desist for XXXX and the following debt collection/buyers to stop calling and harassing me by phone and mail. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The reporting company XXXX refuses to remove debt that was brought from by debt buyers and other collection agency that isn't mine or could be mine. without proper identification of the account showing my information and signature then the debt is fraudulent and therefore should be removed from my report. I have disputed these debts, and they only allow them to update them and continue. They are hindering my ability to live and apply for proper credit. I demand that these reports be removed right now. I am also attaching a cease and desist for XXXX and the following debt collection/buyers to stop calling and harassing me by phone and mail. 
XXXXXX/XX/XXXX XX/XX/XXXX NATIONAL CREDIT ADJUSTORS XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am beyond frustrated with the repeated errors on my report. These mistakes are actively lowering my score and blocking me from opportunities that Ive worked hard for. Its exhausting to keep dealing with this when it should have been fixed long ago.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company was contacted via customer support on several occasions in regards to false reporting information attached to the credit report with no action done afterwards. 

The account concerning this company was paid and asked to be closed via phone this conversation was held with an associate of this company whom I asked three times to verify that payment was received and account was closed she stated yes and within the same month the capital one company attached a delinquent account to my credit report as a charge off. 

Ive asked and disputed multiple times and they still wont remove they even reported it with the wrong address and balance its affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
on XX/XX/scrub>/25, I called XX/XX/XXXX to obtain info about how to remove a restriction on my account. All of my external accounts were missing, and the checking account had been unusable for 2 days. I was told that everything is fine, and I can link new accounts, however that is not the case. 

Upon logging in I see the message attached " Error Something unexpected went wrong on our end. Please try again. Thank you. "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: United PanAm Financial Corp.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
After repeated attempts to remove this item from my credit, I reached out to the HR department requesting that SUNRISE CREDIT SERVICES INC remove all accounts associated with my information. After follow proper procedures with asking them to provide payment history, hard core proof of signature, or anything significantly linking me to the accounts accused of. As per FDCPA and provisions in 15 USC192 and 15 USC 1666B along with sensitive information being exposed due recent data breach, we are requesting the immediate removal of all accounts linked to me.

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 2025-02-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Update the late payments from my consumer reports

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Update the late payments from my consumer reports

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 2025-02-06 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-06 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: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my 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 non-monetary relief
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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