vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the inaccurate, unverifiable, and undocumented information currently listed on my credit report. This includes personal data errors, inquiries, and any accounts that lack complete, factual, and verifiable documentation. As per my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standard, I am requesting immediate investigation and correction. 

The following personal information must be corrected or deleted : Employer : XXXX XXXX XXXX XXXX  : XXXX XXXX  Incorrect DOB : XX/XX/year> Incorrect Previous Address : XXXX XXXX XXXX  XXXX XXXX, NJ XXXX The following inquiries are being challenged due to lack of permissible purpose and proper authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 611 [ 15 U.S.C. 1681i ], I request that you provide physical, verifiable documentation validating the existence of each inquiry and the permissible purpose for accessing my file. If no such evidence exists, these items must be permanently deleted.

Additionally, as outlined in FCRA 611 ( a ) ( 5 ) ( B ), any item previously deleted from my report can not be reinserted without proper written notification to me within five business days. To date, I have received no such notice regarding any reinserted items. This is a direct violation of my consumer rights.

I further demand a notarized affidavit from a party with first-hand knowledge of the alleged account or inquiry. This affidavit must confirm : The debt was legally incurred It was not disputed It was not used as a tax deduction It was not charged off or claimed as a loss with any insuring entity The reporting follows XXXX XXXX format guidelines If you can not fully validate each claim and inquiry, you must delete them from my file immediately. 

Failure to comply will be considered willful non-compliance under FCRA 616 and 617 and may subject your agency to legal action. Any attempt to continue reporting unverifiable or fraudulent data will also be treated as harassment and possible extortion under applicable state laws. 

You are hereby authorized and instructed to mail physical documentation of your investigation, findings, and an updated credit report directly to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report i was shocked to find out i was a victim of identity theft i do not recognize these accounts please remove these accounts from my credit report this is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have account with Robinhood and had crypto currency SOL in my account which I bought few months ago for USD XXXX. Also, I had USD 2000 in the account as cash. 

Today, I tried to log-in to my Robinhood account and landed up in a fake/scam website which said that my account was locked/de-activated and it gave a phone number to call ( XXXX ). I thought it's genuine number and called using my cell phone. Someone picked up and mentioned that my account was locked for security reasons and asked me to find CTRL key, XXXX XXXX  and the letter Q in the keyboard and press them simultaneously. Then that person gave a code and asked me to validate, this enabled him to access my computer and asked me to login to my Robinhood account which I did and he mentioned that my email validation did not go through and hence the account lock issue and asked me to validate the email through my gmail account. 

I believe, in the mean time he sold my XXXX XXXX which was around XXXX USD ( I am not aware of this ). 

Then he asked me to validate saying that he will be giving me a Debit card to have additional security and he said he is going to transfer my money to the debit card, which he did and asked me to confirm through the mobile APP I had, I confirmed that it's me who is doing the transaction. All this happened in few minutes and he also mentioned that he will be sending the debit card to my home address. 

Only later I realized, that all my money XXXX USD was transfered to some debit card and gone from my account. 

I immediately called the correct Robinhood customer service and informed what has happened. 

Please help to recover my money. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is not a complaint. It is actually a thank you for resolving my issue I had back in XXXX of XXXX. They had refunded every single non-sufficient fund fee to my account. I wanted to take the time out to thank them and to apologize for still having a balance. I was such in a desperate situation then. My mom XXXX XXXX on XX/XX/XXXX and if it weren't for them allowing me to go in a negative balance, I don't know what I would have done. I tried everything I could to pay them back but had to resign from my job due to chronic medical conditions. I hate that I owe but I will be sure to pay this off asap. Things are now just starting to turn around for me. I have been struggling ever since XX/XX/XXXX. I figured I would take the time to show my appreciation because people are so quick to say bad things, for once I wanted to change that. I thank you PNC for what was done for me. I had no money for food, gas and bills. IT will never be forgotten. I hope I can return as a customer after I am able to pay my balance off. Thank you from the bottom of my heart.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I'm making a complaint about XXXX XXXXXXXX and the reason why is because I've had this account for over 2 years I've never had any issues I've never default on my payments I've always made my payments on time and they always gave me regular credit line increase for the past year now I've been requesting a credit line increase and every time I speak to a representative they tell me due to the market any other credit card company are given credit line increase to their customers I'm not sure why XXXX XXXX is not given credit line increase because they say due to the market what does the market have to do with credit line increase for consumer that's requesting it I have no clue for that

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I deposited an official check from a viable company via atm and there was no notice that any checks could be held for 7 days until after the check was deposited. There should be notification that checks can be held up to 7 days to give patrons the option to choose whether they want to cash the check elsewhere or deposit and wait the 7 days. This has put me in a very vulnerable state, causing housing displacement. Of which I have already explained to the hold department at Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: OH

Complaint narrative:
We have a horse farm and were impacted by the drought last summer, our mortgage also went up {$400.00} a month and we faced a seasonal layoff. We were unable to make our mortgage payments and decided to apply to the VASP program at the advice of our servicer. We filled out the loss mitigation and sent back and were told it was going directly to the VA. They delayed processing and told me it was in underwriting for months. Now, they say they never submitted my packet because my seasonal layoff wasnt considered valid hardship but they failed to communicate this for months, putting me in deeper delinquency. I need help keeping my VA-backed home.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal request for the removal of a late payment that has been reported in error on my credit file. I pride myself on maintaining a solid track record of on-time payments and have supporting documentation that clearly shows the payment was made before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am urgently requesting that you update and correct my personal information, as the current details listed are incorrect. Ive provided all the required documentation to support these changes. Please ensure this update is completed as soon as possible to avoid any further complications.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX bought a dept that is no longer collectable the dept has passed the statue of limitations this dept is XXXX XXXX XXXX as stated in there dept validation letter stating the account was opened XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/scrub>XXXX 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 2025-06-26 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: MI

Complaint narrative:
I have been speaking with Experian and Equifax about removing certain items from my credit file. US Code 605 section B states that any information resulting from identity theft should be blocked and deleted within XXXX XXXX XXXX from the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: U.S. BANCORP
State: MI

Complaint narrative:
I have been speaking with XXXX and XXXX  about removing certain items from my credit file. US Code 605 section B states that any information resulting from identity theft should be blocked and deleted within 4 business days from the date of receipt.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I saw charges of {$200.00} and {$370.00} on my XXXX Citi credit card that I consider fraudulent since services were not rendered as promised when I tentatively approved them. I sent letters to Citi dispute these charges detailing my reasons on XX/XX/year>, XX/XX/year> and XX/XX/year>. I called several times and was lucky enough after a while to get pass the artificial stupidity system and reach a human being who asked me a security question I never gave Citi an answer to! Instead of asking me the other 3 questions I had set up when I applied, the person insisted I told her " What was my preferred snack ''. Laughable! My credit card has since been blocked preventing me from accessing my account. I proceeded to destroy this card and mailed the pieces back to citi along with a copy of my last letter with " Cancel this card '' hand written on it. I have not received any last statement from them and I am concerned that whey will now charge me their outrageous fees. 
The courtesy of a reply to my letters and at least a last statement mailed to me so that I can pay the balance would be appreciated.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am submitting a statement to formal dispute several unauthorized credit inquires. I did not authorize these inquires and have no knowledge of them. I believe they are the result of fraudulent activity. The following inquires should be removed from my Credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX my identity theft report as well.

Company response to consumer: Closed with explanation