vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Case IDs : XXXX, XXXX Robinhood Financial LLC, Robinhood Securities, LLC, Robinhood Money LLC On XX/XX/2025, at XXXXXXXX PM EST, Robinhood placed {$63000.00} in my brokerage checking account under temporary restrictions, citing security checks, and has prohibited withdrawals. Despite multiple attempts to contact them via phone and email, Ive only received generic responses instructing me to wait. This money, saved over five years for a house down payment, is now inaccessible, jeopard my home purchase set to close on XX/XX/. 

This situation is causing significant financial strain and threatens the loss of my family 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Recently I received a collections on my credit, it stated that I had a balance of {$850.00} due to an old phone bill. I haven't received any emails, phone calls or letters verifying that this debt is accurate. And even if it was accurate, I was not given the chance to correct the balance. 

I have a current plan with XXXX, which uses my social security number to verify I am eligible for services, and they have never once told me I had a balance due to the company. I haven't had XXXX XXXX for almost 6 years now.. and for this to just now be popping up on my credit is not okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Im writing regarding a collection account that recently appeared on my credit report. I dont recognize this account and never authorized it.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ). 
Here are the details : Creditor/Agency : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$3000.00} Opened : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. 
Please provide me with verifiable proof that this debt belongs tome. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting practices by DPT EDXXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX My credit report shows several discrepancies that are damaging my credit score, and I respectfully request that this account be deleted due to the following inaccuracies : 1. Erroneous Payment History Reporting : The account is reported with a 120-day late payment for nine consecutive months. This late payment history is incorrect and does not reflect my actual payment behavior. 
2. Inconsistent Account Dates : The date opened and last activity dates for this account vary across the three credit reporting bureaus ( XXXX, XXXX, and XXXX ), creating further inaccuracies and confusion regarding the accounts status. 
3. Account Status Inconsistency : Although the account is now closed due to the loan being transferred, the reporting of past due late payment history continues. This outdated and erroneous information is unfairly hindering my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Good afternoon, On XX/XX/year>, I sent a XXXX payment in the amount of {$640.00} to an incorrect unknown recipient instead of my mother. I attempted to cancel the transaction immediately within a second, but there was no option available to do so. The transaction still appeared as " pending '' on my Navy Federal Credit Union account at that time. 

I immediately called Navy Federal Credit Union and explained the situation. The representative informed me that despite of the transaction being marked as pending, XXXX transactions are considered instant and therefore can not be canceled or reversed. 

I then requested that the credit union report the issue to the XXXX and open a dispute for the transaction in the amount of {$640.00}. As of today, I have not received any follow-up or resolution regarding my request Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I'm writing to file a claim against Chase Bank 's XXXX feature, managed by XXXX. I am a small business owner who recently opened a new Chase Bank Business checking account and received an authorized transaction ( {$1800.00} ) from a client via an XXXX credit card on XX/XX/XXXX. The money entered my XXXX account but was then delayed in being withdrawn into my Chase Business checking account. To get to the bottom of why my payment was being withheld, on XX/XX/XXXX, I spoke with a representative at my Chase Bank branch in XXXX, New Jersey, who advised me to file an appeal with XXXX, which I did via email at XXXX. I provided proof of the transaction 's validity, including an invoice and documentation of client communication, in which the exact payment fee was discussed. 

I received a decision on the appeal from a person named " XXXX '' via XXXX on XX/XX/XXXX, who told me that my {$1800.00} had been " placed in reserve and will be reviewed for potential release in about 4 months from the closure date of XX/XX/XXXX. '' No information about how this decision was reached was shared ; in his email, XXXX wrote that " due to our review 's proprietary nature, we can not provide further information about this decision. '' At this point, my XXXX account was also closed, barring me from being able to accept payments via credit card moving forward. In a separate email from Chase Integrated Payments at XXXX sent on XX/XX/XXXX, I was told the reason my XXXX account had been closed was because my " account is susceptible to a high chargeback or dispute rate. '' As a new customer of Chase Bank, I don't see how this is possible to assume. I provided proof of validity, yet my account was still closed. 

On XX/XX/XXXX, I went back to my Chase Bank branch in XXXX, NJ, to speak with a representative, who spoke with a representative from XXXXXXXX XXXX Merchant Services on the phone. He was told the same thing : That my {$1800.00} was going to be held for 120 days and that my only other option was to refund my client and find another way to accept payment. He agreed that this was highly unethical and even said " You understand that this is kind of crazy, right? '' on the phone while I was in the room. Refunding my client is an unacceptable solution, as it would be damaging to my reputation as a business owner. 

I will have to wait four months to receive my {$1800.00}, which is not only unethicalit will result in financial hardship. I look forward to finding a resolution with Chase Bank and Chase XXXX XXXX ( XXXX ) ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/25 I disputed medical debt on my credit report due to California SB 1061 that makes reporting medical debt no longer allowed. I submitted this dispute to experian and also the debt holder Credit Control , LLC. I have also mailed a dispute letter to the debt holder also. Nothing was done to remove the account from my credit report. My request was ignored. 

Now I am re-submitting this request to XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this complaint to report Midland Credit Management ( MCM ) for engaging in predatory, unlawful, and reckless debt collection practices tied to an account I do not own and have zero legal responsibility for. The account at issue is fraudulent and was created as a result of identity theftwhich I have made clear. 

Despite this, MCM has continued to contact me with escalating threats of legal action, which not only lack merit, but violate multiple federal consumer protection laws. I have never opened this account, never authorized it, and never received services or goods associated with the alleged debt. Furthermore, MCM has failed to validate this debt, as required by law, and instead continues to misrepresent the status and legitimacy of this account to intimidate and pressure me into payment.

MCMs behavior is a textbook example of abusive and deceptive collection tactics, and they have knowingly targeted a consumer who is a victim of identity theft and multiple data breaches, attempting to shift the burden of fraud onto me. 

Violations Committed : FDCPA 1692e ( 2 ) ( A ) : MCM has falsely represented the character, amount, and legal status of the debt.

FDCPA 1692e ( 5 ) : Threats of legal action that are baseless and not intended to be followed through.

FDCPA 1692g ( b ) : MCM has continued to pursue collection efforts without validating the debt, despite my dispute.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate to consumer reporting agencies.

FCRA 1681e ( b ) : Failing to ensure the accuracy of any reported information about me. 

MCM is clearly in willful noncompliance with federal law and is exploiting the credit system to coerce payment on an account that is not mine. They have reported this account to credit bureaus or implied legal consequences, damaging my credit profile and causing extreme personal and financial harmincluding interfering with critical life events like securing housing for my pregnant wife and family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation