vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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 have repeatedly disputed multiple inaccuracies in my Experian report, and the company has failed to adequately investigate and remove inaccuracies overtime, including debts that I was unaware of incorrect amounts and outdated consumer information that I asked to be removed, which were subsequently removed and placed back on

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605b. It is illegal to report Information on my credit report without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NM

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's administrative proceedings ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX, XXXX XXXX and XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
After carefully reviewing my credit report I noticed a " XXXX '' account that does not belong to me. I am a victim of identity theft. I have never established any business, nor communicated with XXXX regarding a mobile line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX//2025 I am disputing the XXXX account listed on my credit report ( Account # XXXXXXXX ) for {$3100.00} because the furnisher of this information, XXXX, has not provided proper documentation or verification of the debt as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], credit reporting agencies are required to investigate disputed information and delete any information that can not be verified. Additionally, if XXXX can not provide proper documentation verifying the debt, the account must be removed from my credit report. 

To date, XXXX has failed to provide any evidence of this debt, including : Signed agreements or contracts linking me to the account. 
A detailed billing history validating the {$3100.00} amount. Experian has already come back today XX/XX/2025 and without the information requested and denied removing the account.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX/2025, I received an email from Robinhood stating that my account was restricted, but it didn't state any information as to why that was the case. I called them and wasn't given any additional information. On XX/XX/XXXX/2025, I sent a few emails and attempted to call to receive more information and the only response I got over the phone was " you reported your account as having been compromised. '' I never did that, so I'm not sure why they've restricted it. Last month, there was a bank transfer that was reversed, but I immediately deposited more than enough cash to cover that and remedy the situation. To date, I have called and email Robinhood more than a dozen times with no response. Most recently, I sent an email on XX/XX/XXXX2025 to Robinhood 's support emails and the executive team and have not heard back. They have not responded to a BBB complaint, or complaints to FINRA, the SEC, or the AG 's office. There is almost {$4500.00} in that account that is " stuck '' and there's been no communication from Robinhood. The app said that I'd receive an update by XX/XX/XXXX, but that gets pushed back each day that there is no response. Each time that I attempt to call, I get a scripted email back with a case number. When I call and give them the case number, it's " closed '' on their end, so they end the call and send yet another form email with a new case number- also showing as " closed '' when I call. I don't have any active case number to refer to and nobody can ever provide any information when I call. I'd really just like this resolved so I can move my retirement account over as well. We've had nothing but great experiences at Robinhood, but the lack of information and communication is a bit stressful and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I called Equifax four times today to request my credit report and file a dispute, but I wasnt able to because I failed the authentication process. Theyve been really unhelpful, and Im getting frustrated. Can you please help me with disputing the issue? Theyre not letting me proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MO

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XX/XX/XXXXalleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law on my rights as a consumer.

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 2025-01-23 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 am disputing the fraudulent reporting of the following XXXX accounts on my Experian credit file : XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX These accounts were opened without my knowledge or authorization. Despite submitting an FTC Identity Theft Report and other supporting documents, these accounts remain falsely reported as charge-offs or with derogatory statuses. Experian 's failure to properly investigate these disputes constitutes a violation of FCRA 15 USC 1681i. I request immediate removal of 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 2025-01-23 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, experiana actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After recent review of my credit report, I found thatXX/XX/XXXX had placed a negative account on my Credit file. I now question the Validity of thst negative reporting. 
First and foremost under the F.C.R.A. it is imperative for companies to accurately report to the credit reporting agencies information that is not only accurate but also precise. In this case the credit report states that there is NO BALANCE on this account. But is still reporting as negative for supposed lates during the periord that this account was open and being used by this writer. I emphatically deny that assertion by XX/XX/XXXX 
I now state for the record that I never paid XX/XX/XXXX late at any time. Therefore if XXXX XX/XX/XXXX is UNABLE to produce PROOF that this cunsummer paid this account late at any time, this negative account must be removed from the creit 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 non-monetary relief
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
After recent review of my credit report, I found that XX/XX/XXXXhad placed a negative account on my Credit file. I now question the Validity of thst negative reporting. 
First and foremost under the F.C.R.A. it is imperative for companies to accurately report to the credit reporting agencies information that is not only accurate but also precise. In this case the credit report states that there is NO BALANCE on this account. But is still reporting as negative for supposed lates during the periord that this account was open and being used by this writer. I emphatically deny that assertion by XX/XX/XXXX 
I now state for the record that I never paidXX/XX/XXXXlate at any time. Therefore if XXXX XX/XX/XXXX is UNABLE to produce PROOF that this cunsummer paid this account late at any time, this negative account must be removed from the creit 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app has allowed XXXX to take money out of my account with me having them blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: WA

Complaint narrative:
I received calls from RFG Financial daily for three days ( XXXX ) without answering their calls. I answered their fourth call when it became apparent they would persist calling. The woman calling stated she was with RFG Financial and was calling with regard to XXXX XXXX XXXX. She asked for me by first and last name and I confirmed that was my name. She inappropriately asked for date of birth and Social Security number and other personal details, which I declined providing because I have no business relationship with RFG Financial or XXXX XXXX XXXX. She would give no further information about the purpose of her call, but persisted to inappropriately demand my personal information. I requested she mail to me any pertinent information to whatever address she had for her account. I asked that she stop calling, but she did not indicate she would. I do not recall ever having a XXXX account. I have no past due debts. I checked a free credit report today that shows no matters subject to collection. I have had credit freezes with all the bureaus for a long time to guard against identity theft. I think this company is not being careful in using correct contact data for debtors, resulting in unsolicited calls to wrong numbers. It is unclear what they gain by calling on the telephone where no person with basic sense would divulge any personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate and should be removed. These mistakes that you are reporting are affecting my character and reputation as a consumer.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
Experian has failed to fulfill is legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Including accounts : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation