vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : XXXX ; XXXX. FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record. 

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. 
Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim oXXXX XXXX XXXX  These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the trafficking situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of human trafficking, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$0.00}. These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of human trafficking. Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-18 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit 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 2025-04-18 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit 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 2025-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GFS II, LLC
State: OH

Complaint narrative:
The company has failed to provide me with the proper documentation to validate this debt they must send me all required documentation and follow the procedures before validating this debt they sent me a vague letter and response which isnt enough to validate this debt. I need tracking numbers and proof of when the notices were sent within the time of when they were supposed to be sent. They were suppose to file me as a 1099c and send me a copy with is REQUIRED and they havent sent anything to validate the proof. Investigation is required and want documentation and actual proof of documentation otherwise the information is in fact, inaccurate. They have to provide late payment notices, deficiency balance and how the proceeds were applied to the account and notices of negative information if they can not prove they sent the documentation the information is unverifiable and inaccurate which is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing this complaint because my bank, Capital One, denied my dispute for {$4700.00} even though I did not receive the services I paid for. I believe this was a wrongful decision and that I am entitled to a refund based on the facts. Earlier this year, I was involved in a car accident. My vehicle was towed to XXXX XXXX XXXX XXXX XXXX in XXXX, CO, for repairs. I was initially quoted {$2000.00}, but after delays, the dealership increased the cost to {$4700.00}. I paid this in full using my Capital One checking account. After weeks of delay, the dealership returned my vehicle in unsafe condition. As soon as I drove it, it made a loud howling noise, the steering felt stuck while turning, and warning messages appeared on the dashboard including XXXX XXXX XXXX Now. I returned the car the same day and informed them it was not safe to drive. The dealership later claimed the rack system needed repair and demanded an additional {$2200.00}. I could not afford this, especially after paying nearly {$5000.00}. I refused the extra charge, and they responded by halting all repairs and stating I should tow the vehicle off the propertysomething I can not afford. At this time, my car is still at the dealership and they are refusing to release it. I have no transportation, no refund, and no vehicle. I filed a dispute with Capital One, but they denied it because the dealership showed documents that the repairs were done. What those documents dont show is that the work was incomplete, unsafe, and that the car is still being held against my will. I have also filed a small claims court case against the dealership ( XXXX XXXX. XXXX ) to recover my funds. I am asking the CFPB to review this case and assist in pressuring Capital One to reconsider this dispute or assist in recovering the funds. This situation has caused me extreme financial hardship, and I should not be forced to pay for services that were not safely or properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I opened an account with them months back ( like a month or two months ago ) my account was verified and everything was okay, yesterday I tried make a crypto transaction with them, the first transaction went through but the second didnt which they told me that my withdrawal has been restricted, called later but they kept transferring me from one customer to the other then ending the call without a solution to my problem, few hours later, my account was under review. Theyll end up locking that account cause they wouldnt review it. I need my money back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I XXXX XXXX XXXX, had negative and false and misleading information and harassing and multiple phone calls at unconvient times all through the day from different numbers for an alleged debt which which is not owed and I want them to cease and desist contact and attempts immediately, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. XXXX CODE 1692e False and Misleading Representations XXXX code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the XXXX XXXX or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand they cease and desist any communication or collection attempts, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any attempts to reporting from them on my consumer report ucc 1-202 upon this notice you have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2500.00} XXXX XXXX  XXXX Balance {$21000.00} XXXX  XXXX XXXX Balance {$7300.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7300.00} XXXXXXXX XXXX XXXX XXXX Balance {$10000.00} XXXX  XXXX XXXX  XXXX XXXX XXXX {$2500.00} XXXX XXXX  XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$7300.00} - XXXX XXXX  XXXX Balance {$10000.00}

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 2025-04-18 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-19 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND I NOTICED SEVERAL INACCURACIES ON MY ACCOUNT, THIS ACCOUNTS ARE HURTING MY ABILYTY TO OBTAIN CREDIT, IT'S MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNTS FOR ME TO ENSURE ACCURACY. HERE ARE THE ACCOUNTS I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-18 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-18 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification. accounts are listed in file documents uploaded. Resubmitted due to all document not being uploaded.

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 2025-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Using XXXX I applied for prelim Heloc using RATE NMLS # XXXX. A the end of the process it DENIED my request and stated to see ADVERSE ACTION to determine why I was declined a HELOC. This loan would have paid off a prior HELOC with slight increase in the amount. Since there is no ADVERSE ACTION button to click on the denial reason/s are not know and there is no way to find out why I was so declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: WA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe is being inaccurately reported. The account details are as follows : XXXX XXXX Account Number : XXXX Reported Balance : {$56.00} Status : CLOSED This account has been sold to another company, yet it continues to reflect an outstanding balance on my credit report. Once an account is sold or transferred, the original creditor is required to update the balance to {$0.00} and report the proper status to avoid any confusion or duplication. The continued reporting of a balance by the original creditor is misleading and potentially harmful to my credit. 

I am requesting that this account be investigated and removed entirely from my credit report. 

Please provide confirmation in writing of the outcome of your 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On or around XXXX I applied for a collateral loan online with OneMain. The loan was approved- and I was instructed to come into the office in XXXX to sign the papers on Monday XXXX

When I arrived at the office to sign the papers- I was then told that they had to rescind the loan offer - due to the lack of a computer generated pay stub ( I sent a pix of the handwritten pay stub my employer gave me ), I asked the loan processor if she could verify my employment by phone or any other method - and she told me no. I informed her that my employer was unwilling to alter his business practices and that the handwritten pay stub could be verified over the phone, She informed me that she was unwilling to do that and I needed to return with a computer generated pay stub or proof of direct deposit to my bank. I was unable to comply because I am paid in cash every week and have no direct deposit paperwork ( from this employer ) to submit.

Company response to consumer: Closed with explanation