vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
Equifax has failed to remove inaccurate and unverified information from my credit report despite multiple dispute letters. They continue to report this information without proper verification, violating the Fair Credit Reporting Act ( FCRA ). Additionally, Equifax is currently facing a lawsuit for similar violations. I request the immediate removal of all unverified information from my credit report. 

XXXX : XXXX : {$8800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year>, my Robinhood account was locked for review. Since then, I have been unable to access my funds, which total over {$150000.00}. Every day, I receive a notification in the Robinhood app stating that my case is under review and that they will notify me by the following day. However, they never provide an update, and the date for resolution is continuously pushed to the next day. 

I first reached out to Robinhood customer support by phone on XX/XX/year>, and was told that my case would be escalated. I was given a case ID number, but I received no further communication or resolution. On XX/XX/year>, after hearing nothing back, I called again and was told the exact same thingthat my case was being escalatedand was given a new case ID number. 

At no point during this review process has Robinhood asked for any documentation or clarification from me. I have not been given a timeline for when this issue will be resolved, and I am left without access to a significant amount of money with no answers from their support team. This situation is causing me significant financial stress, and I am filing this complaint to seek immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern : I am writing to dispute an inquiry that appears on my credit report, which I believe to be inaccurate and in violation of several federal laws designed to protect consumers ' rights. 

In accordance with XXXX5 U.S.C. 1681b, which governs permissible purposes for accessing credit reports, I request that you investigate this matter, as I do not believe this inquiry is authorized or was made with proper consent. The law requires that credit inquiries can only be made for certain permissible purposes, such as when I provide explicit consent for a credit transaction or application.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws that protect consumers, including : 15 U.S. Code 6801 Protection of Personal Information : Requires financial institutions to protect the security and confidentiality of consumer personal information.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that institutions must notify and obtain consent before disclosing non-public personal information.

15 U.S. Code 6803 Disclosure of Privacy Policies : Requires institutions to provide clear and accurate statements of their privacy policies. 
15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Ensures consumer reporting agencies must adopt reasonable procedures to ensure maximum accuracy of the information in consumer reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports : Specifies that certain types of consumer transactions must not appear in credit reports.

18 U.S. Code 1028A Aggravated Identity Theft : Criminalizes identity theft and imposes severe penalties for using someones identity without authorization. 
These violations reflect the unauthorized access and inaccurate information on my credit report, which must be corrected immediately to protect my consumer rights. 

Please investigate this matter, remove the unauthorized inquiry from my credit report, and send me a copy of my updated credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to your response and a corrected credit report. 

Sincerely, 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> MIDLAND CREDIT MANAGEMENT INC opened a account on my credit report in the amount of {$1500.00} I have never done business with, signed, or agreed to pay MIDLAND CREDIT MANAGEMENT INC anything. 
They have themselves listed as the original creditor for a debt and there is no account numbers. This is false and defamatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for CITI XXXX XXXXXXXX XXXX  in XXXX XXXXXXXX, in the webpage, it claim there is XXXX bonus points after spending {$4000.00} in the first 3 months. I spend around {$10000.00} in XXXX XXXXXXXX, however CITI refused to give me any bonus points. 

CITI claimed that I've got bonus points for another credit card years ago, maybe a CITI double credit card, so they won't give me any bonus points this time. 

I believe it's a fraud : ( XXXX ) CITI doesn't highlight the restriction on the webpage, they only mention it with small font ( XXXX ) I signed in CITI website, then completed my application, CITI definitely knew that I can't get bonus points, however they didn't give me any notice

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern : I am writing to dispute an inquiry that appears on my credit report, which I believe to be inaccurate and in violation of several federal laws designed to protect consumers ' rights. 

In accordance with XXXX5 U.S.C. 1681b, which governs permissible purposes for accessing credit reports, I request that you investigate this matter, as I do not believe this inquiry is authorized or was made with proper consent. The law requires that credit inquiries can only be made for certain permissible purposes, such as when I provide explicit consent for a credit transaction or application.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws that protect consumers, including : 15 U.S. Code 6801 Protection of Personal Information : Requires financial institutions to protect the security and confidentiality of consumer personal information.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that institutions must notify and obtain consent before disclosing non-public personal information.

15 U.S. Code 6803 Disclosure of Privacy Policies : Requires institutions to provide clear and accurate statements of their privacy policies. 
15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Ensures consumer reporting agencies must adopt reasonable procedures to ensure maximum accuracy of the information in consumer reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports : Specifies that certain types of consumer transactions must not appear in credit reports.

18 U.S. Code 1028A Aggravated Identity Theft : Criminalizes identity theft and imposes severe penalties for using someones identity without authorization. 
These violations reflect the unauthorized access and inaccurate information on my credit report, which must be corrected immediately to protect my consumer rights. 

Please investigate this matter, remove the unauthorized inquiry from my credit report, and send me a copy of my updated credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to your response and a corrected credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Asked for proof of debt, the companys employees are extremely rude and refused to provide anything for proof. I will not pay someone or something without physical evidence showing I owe a debt. Since then, I have gotten repeated calls from XXXX ( XXXX ) XXXX ( XXXX today at XXXX ). I am beyond frustrated with this company and I truly believe I do not owe this debt. I pay what I owe but this company is definitely breaking laws set in place to protect citizens of this country. I have at this point received well over XXXX calls since XX/XX/year> and they never leave a voice message and they try to hide as much details as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit files. They stated this was opened on XXXX XXXX XXXX XXXX XXXX Its an account for XXXX. I have lived in XXXX, my life. I have also have had my phone service with XXXXXXXX XXXX  XXXX for almost XXXX yrs. This account is not mine, but they continue to report it. I have sent copies to XXXX  proving that I have never had service with 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
This complaint is in reference to the fees that I was charged by CashAPP. I was not aware that the fees would be charged. Then they started getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-06 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed. 

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that TransUnion perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
Dear CFPB, I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly verify and/or delete inaccurate accounts on my credit report. 

On XX/XX/year>2025, I sent formal dispute letters to all three credit bureaus, requesting verification of multiple accounts under FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). I specifically asked for original signed contracts proving I agreed to these debts. However, the bureaus failed to provide proper verification or remove the accounts within the required 30-day timeframe.

Their failure to comply with the FCRA is negatively impacting my credit and financial opportunities. I am requesting the CFPB to investigate and ensure these inaccurate accounts are properly verified or permanently deleted as required by law. 

Please let me know the next steps regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly verify and/or delete inaccurate accounts on my credit report. 

On XX/XX/year>2025, I sent formal dispute letters to all three credit bureaus, requesting verification of multiple accounts under FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). I specifically asked for original signed contracts proving I agreed to these debts. However, the bureaus failed to provide proper verification or remove the accounts within the required 30-day timeframe.

Their failure to comply with the FCRA is negatively impacting my credit and financial opportunities. I am requesting the CFPB to investigate and ensure these inaccurate accounts are properly verified or permanently deleted as required by law. 

Please let me know the next steps regarding this matter. 

Sincerely, 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 2025-02-06 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2025-02-06 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: CA

Complaint narrative:
My friend lived with me for a while and he used my name to open credit stuff up. I want the fraudluent accounts the he did to be taken off my credit. I also want to say that I know about the CFPB lawsuit thats going on with the credit places and I hope my dispute isnt one of the ones that they dont do correctly. If my disputes are done correctly id like to be added to the lawsuit against the credit places.

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