vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute to TransUnion and Experian regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I did not provide any written or verbal consent allowing these companies to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604, a hard inquiry may only be made with the consumer 's explicit authorization or for a legitimate permissible purpose. I specifically requested that the credit bureaus either : Provide documentation proving that I authorized each of the inquiries in question ; or Remove the inquiries if no such authorization could be verified.

To date, none of the credit bureaus have provided documentation showing that I granted permission for these inquiries. Furthermore, the inquiries remain on my credit reports, despite being unauthorized and disputed in writing.

This failure to investigate properly and the continued reporting of unverifiable information is a violation of the FCRA, which mandates that disputed information be either verified or deleted within 30 days.

I am requesting the immediate removal of these unauthorized inquiries and that the bureaus provide documentation verifying any that they claim are valid. I also request that this matter be formally investigated, as this inaction is negatively impacting my credit profile.

1. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. I did not Authorize this Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. I did not Authorize this Inquiry XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. I did not Authorize this Inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did not Authorize this Inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8.I did not Authorize this Inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. I did not Authorize this Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
I am disputing the debt that Levy & Associates claims I owe. They are not the original creditor, and the debt was allegedly purchased from XXXX. I never received any lawful validation of the debt under the Fair Debt Collection Practices Act ( FDCAP, 15 U.S.C. 1692g ), nor was I provided with a signed contract, itemized accounting, or proof of lawful assignment. 

I do not recognize this debt, and I was not properly informed or made aware of the nature of the original agreement. There was a lack of full disclosure, and I believe the original contract was obtained through fraud and factum, and I was misled regarding the terms. I also dispute whether any lawful consideration was ever given by the original creditor, and therefore this debt is void. 

Levy and Associates is attempting to collect this alleged debt without proving they have standing, legal authority, or chain of title. Additionally, I believe their continued efforts may violate the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ), especially if this is being reported on my credit report without proper validation and notice.

I am requesting this debt be fully investigated and removed from collections, and from any reporting, as it is unverified, lacks standing, and based on defective and disputed agreement.

I reserve all rights under UCC 1-308 and do not waive any defenses. I request that this matter be removed and closed unless full legal validation can be provided in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account number XXXX Status : Charged off / Collection with {$290.00} balance Inconsistencies : Open date differs across bureaus ( XX/XX/year> vs. XX/XX/year> ), high credit and limit vary, Equifax shows {$0.00} limit and {$290.00} high credit. 

Disputed but returned " verified '' despite conflicting data that suggests unverifiable or outdated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/year>, I attem

pted to transfer funds from my Robinhood account, but the app displayed an error message : Please try again later to ensure the safety of your account, we have blocked this action. I immediately completed both SMS and selfie verification via the Robinhood app, which were successfully submitted. Despite this, the restriction remains in place and I am unable to access my own funds. I contacted Robinhood support multiple times over the past 24 hours. Several agents acknowledged that the issue was valid, but they stated that the matter has been forwarded to the back office team. However, no timeline was provided for resolution, and I was told only that I would be contacted once they hear back. Meanwhile, I am in urgent need of my funds to pay rent and other essential expenses, yet Robinhood refuses to give a clear explanation or expedite the case, despite my repeated requests. This lack of transparency and delay in resolving the issue amounts to a denial of access to my legally owned funds. I am extremely frustrated and feel helpless. I need immediate access to my money and a formal explanation from Robinhood regarding this arbitrary restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account XXXX XXXXXXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute to Innovis regarding numerous inaccurate and outdated accounts on my consumer file. These included accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and othersall of which were either XXXX in XXXX  or previously resolved. Despite this, they were still reported with derogatory remarks such as charge-off or collection, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Innovis failed to correct the information and instead verified the data without providing any meaningful investigation or documentation. Their use of e-OSCAR, an automated dispute system, denied me a fair review and conflicts with XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), which requires credit reporting agencies to ensure accuracy and fair treatment. 

Furthermore, Innovis and its data furnishers failed to follow XXXX XXXX compliance standards. XXXX accounts should reflect : {$0.00} balance No past due XXXX through XXXX  Yet multiple accounts still show charge-off notations and inflated balances, in violation of FCRA 1681e ( b ) ( accuracy ) and 1681i ( failure to reinvestigate ). Innovis also failed to verify the method or furnish supporting documentation from the creditors. 

This false and misleading reporting is not only negligent, it may rise to the level of willful noncompliance under FCRA 1681n, and has materially harmed my credit standing. 

I hereby request immediate deletion of the inaccurate accounts in question, as Innovis has failed to meet its federal obligations to ensure accuracy, conduct proper reinvestigation, and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX for incorrectly reporting a {$300.00} collection to the credit bureaus. The actual amount I owed was {$94.00} which I paid in full on XX/XX/year>. 

XXXX failed to notify me of the debt due to an outdated address, and they never attempted to contact me by phone or email. I also had an active insurance policy with them during this time, so the debt should not have been sent to collections. 

I have already contacted XXXXXXXX XXXX XXXX and provided proof of payment, but I have received no response. This incorrect collection caused my credit score to drop by XXXX points. 

I am requesting that this collection be removed from my credit report entirely and that the CFPB help ensure XXXX responds and corrects the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 am submitting this complaint regarding multiple unauthorized hard inquiries appearing on my credit reports with TransUnion, Equifax, and Experian. I did not authorize these inquiries and am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed inquiries are as follows : TransUnion ( as of XX/XX/XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax ( as of XX/XX/XXXX ) : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian ( as of XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not grant permission for these inquiries, nor did I initiate any credit applications with these companies on the stated dates. As such, I am formally requesting that these inquiries be investigated and permanently removed from my credit reports. 

I have attached supporting documentation including a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the deletion of these unauthorized inquiries.

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 2025-07-12 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries appearing on my credit reports with TransUnion, Equifax, and Experian. I did not authorize these inquiries and am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed inquiries are as follows : TransUnion ( as of XX/XX/XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax ( as of XX/XX/XXXX ) : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian ( as of XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not grant permission for these inquiries, nor did I initiate any credit applications with these companies on the stated dates. As such, I am formally requesting that these inquiries be investigated and permanently removed from my credit reports. 

I have attached supporting documentation including a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the deletion of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These XXXX agencies have not looked into a reported error. I sent them documents to have them correct the errors. Experian sent a response that makes no sense. The other XXXX agencies did not respond.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
I had no problems whatsoever with cash app. I was able to make transfers with no problems and I was able to add an extract money from my bank account. Then I had a problem with my cash app account and I was suggested by the cash app team that I close my account and open a new one ever since I have done that they have closed down both of my cash app account and I am very disturbed by this. I would like to get some type of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
am writing to respectfully request the removal of a late payment record from my credit report concerning the account I opened in XX/XX/year> to finance a television purchase. 
As a travel nurse who frequently works away from my residence, I rely heavily on timely email or physical mail notifications to manage my bills. Unfortunately, I never received any communicationeither by mail or electronicallyregarding when payments were due or past due for this account. I was unaware of any delinquency until the account was sent to collections. 
Upon discovering this, I immediately paid the balance and set up online notifications, which was a challenging and non-intuitive process. I ultimately paid off the account early and contacted the company to request a goodwill removal of the late payment record. Despite my prompt and responsible response, my request was deniedeven though the issue stemmed, in part, from their lack of communication. 
This payment was made more than two years ago, and yet the negative mark remains on my credit report, where it will linger for a total of seven years. It is currently the only adverse item on my credit history.

Given the circumstances, I believe this late payment was at least partially caused by factors outside of my control and feel that its removal would fairly reflect my overall creditworthiness. I am asking for your consideration in removing this record from my file.

Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
I am disputing a loan taken out through XXXX XXXX XXXX in the amount of {$15000.00}. I did not take out this loan and have become a victim of identity theft/fraud. The bank contacted me through the mail about late payments. I contacted the bank about the fraudulent loan and contacted transition to report the fraudulent loan. Transunion investigated and are claiming it is accurate which is not true. I have never taken out a loan through XXXX XXXX XXXX and don't even reside in the state of where the bank is located. I contacted Transunion again to re submit the dispute as I have never taken this loan out and my credit is being affected drastically. An account was apparently created by some individual on XX/XX/XXXX. After there was a loan taken out and it was reported on XX/XX/XXXX of missed payments. Again I did not take this loan out and never received money from XXXX XXXX XXXX. I want this loan to be investigated and found fraudulent to repair my credit.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account number XXXX Status : Charged off / Collection with {$290.00} balance Inconsistencies : Open date differs across bureaus ( XX/XX/year> vs. XX/XX/year> ), high credit and limit vary, Equifax shows {$0.00} limit and {$290.00} high credit. 

Disputed but returned " verified '' despite conflicting data that suggests unverifiable or outdated information.

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 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The Amazon XXXX XXXX XXXX was closed by the issuer ( Synchrony ) within days of being opened, without any usage, transactions, or notice. I was never given a reason for closure, and the account status could unfairly impact my credit standing and already does show on my credit report. 

I am requesting : A review and correction of how this is reported Removal or clarification that the closure was not due to delinquency or misuse

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