vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 XXXXXX/XX/XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-08 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 XXXXXX/XX/XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IA

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn 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 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 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 2025-08-08 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2025-08-08 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/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 2025-08-07 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have an account with XXXX. My account was suspended from what they considered suspicious bitcoin transactions. I spoke to someone when they called me and explained the transactions. My account was still frozen because they said the debit card I used ( which was a new card issued from my bank due to the card I open my account with being closed ) was not the original card used. I was told to provide my drivers license, picture taken by camera to verify my id, and a copy of my bank accountt statement. I provided all the requirements. XXXX was then told I needed to prove that my new card was attached to my bank account. I use XXXXXXXX XXXX and their account statements show transactions buy not debit card numbers for said transactions. My account was still frozed after providing the required information. I then tried to contact Robinhood again. There is no way to contact them by phone ( XXXX ( XXXX ) XXXX, there is only a recorded message stating that they could be contacted by website or app on my phone. I can't access customer service on the web due to my webcam not working. I can't access them thru the app because with my account which is now being closed only gives me the option after a intense search on the app to ask a question and hope to recieve a phone call. I recieved a phone call and explained that my bank statement doesn't have my debit card and I have to send in a pdf statement which they require and pdf screenshots on individual transactions that show the last XXXX digits of my debit card. After takingg pictures again of the front and back of my license and taking again selfie pictures I recieved another call and again explained the situation and stated that I can only send my bank statement and not the individual screenshots of my transactions with my debit card number. I was then sent an email thatt allowed me to send in the multiple documents. When I checked the account later in the day it stated that my account would be closed. I was so frustrated I decided to take all my money from the platform and let thm close my account. Problem is I can't withdraw my money because they are in the process of closing my account. I can't make any transactions, they are closing my account, and my money is left on their platform and I have no idea if it will be returned to me. I complied with everything they requested but my account is still being closed with my money in my accounts. This is ubfair ; the run around I had to do to prove my account and debit card are legit and I am very frustrated with the runaround I have been taken through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I recently obtained and reviewed a copy of my persons consumer credit report and noticed multiple accounts full of inaccurate information that has adversely affected the integrity of my persons consumer credit report. It is the duty and responsibility of the credit reporting agencies to make sure that they take the necessary steps to ensure that every consumer report is investigated properly and provided with the best accuracy possible which reaches far beyond the extent of internal rules, policies and procedures per 15 U.S.C. 1681s-2. Failure to reinvestigate this matter shall result in liabilities under 15 U.S.C. Subsection 1681s-2 ( b ) for failure to conduct a reasonable investigation The FAIR CREDIT REPORTING ACT exists to prevent harm to consumers. It requires data furnishers to report only accurate and verifiable information, mandated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable in the context of securitized or unrecognized debt. Furthermore, under 15 U.S.C. 1681i ( aX7 ), the consumer has the right to know how the information was verified, including what sources were used, who verified the claim, and what documentation was reviewed and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed out of {$2000.00} through XXXX after someone hacked my friends XXXX account and impersonated them. The person used my friends real profile photo and phone number to contact me, claiming they needed urgent help. Believing I was talking to my actual friend, I sent XXXX XXXX payments of {$1000.00} each from my Citibank checking account. 

Later that day, I spoke to my friend and learned their account had been hacked. I immediately contacted Citi to report the fraud and filed a police report with the XXXX XXXX Police Department, New Jersey ( Case # XXXX ). I also provided Citi with the police report number, chat screenshots, and all transaction details. 

My original dispute case number with Citi was XXXX. I appealed their decision under case number XXXX, and when that was denied, I sent a written appeal to XXXX XXXX XXXX XXXX department via XXXX with signature confirmation. Despite all this, Citi has repeatedly denied my claim, saying I authorized the transaction because it was sent from my device. 

I did not knowingly authorize a payment to a scammer. I believed I was sending money to a friend, but the recipient was an impersonator. Under Regulation E, this should be considered an unauthorized electronic fund transfer because I never approved payment to the actual person who received the funds. 

I am asking the CFPB to review my case and require Citi to reopen the investigation, reverse the denial, and reimburse the {$2000.00} I lost. I have documentation available, including the police report, chat screenshots, XXXX payment confirmations, XXXX denial letters, and XXXX proof of delivery for my appeal.

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 2025-08-08 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-07 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: VA

Complaint narrative:
PLEASE SUBMIT THE ATTACHED DOCUMENT TO TRANSUNION LEGAL DEPT.

Subject : Procedural Request Under 15 U.S.C. 1681g / 1681i Demand for Full Investigation Records, Verification Methodology, and Supporting Documentation for Accounts that TransUnion has Verified as Accurate. 

On XX/XX/XXXX, TransUnion notified me that these accounts were verified as accurate. However, TransUnion failed to provide any information disclosing the specific procedures used in the reinvestigation, the identity of the parties TransUnion contacted, or any actual documentation or evidence supporting the accuracy of these accounts.

Enclosed is a copy of my credit report and the accounts TransUnion Verified As Accurate.

I now demand, under 15 U.S.C. 1681g ( a ) ( 2 ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and 15 U.S.C. 1681e ( b ), that you provide the following information : 1. The name, address, and method of communication used to verify each account.

2. A full description of the investigation procedures TransUnion claim to have performed.

3. All documents, data, and records received from the furnisher ( SST or its parent company ) that were relied upon to verify the accounts.

4. A complete copy of any correspondence, ACDV/e-OSCAR communications, or automated responses received during the reinvestigation.

5. An explanation of how TransUnion reinvestigation ensured maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

Applicable Law and Precedent Supporting This Demand : 15 U.S.C. 1681g ( a ) ( 2 ) requires you to clearly disclose the sources of the information contained in the consumer file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that upon request, you must provide the method of verification used by the person who provided the information.

15 U.S.C. 1681e ( b ) compels CRAs to follow reasonable procedures to assure maximum possible accuracy.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) The Court held that a CRA can not avoid liability by conducting a superficial or automated reinvestigation that rubber-stamps the furnishers data.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces that CRAs must do more than passively forward information ; they must actively investigate and evaluate disputed items.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Held that failure to provide verification documentation can result in liability under the FCRA.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My truck was broken into my id & ssn card was stolen and I have unauthorized things in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: TX

Complaint narrative:
My truck was broken into my id & ssn card was stolen and I have unauthorized things in my name

Company response to consumer: Closed with explanation