vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. XXXX XXXX XXXX XXXX BALANCED {$6300.00} XXXXXXXX XXXX XXXX XXXX BALANCED {$250000.00} XXXX XXXX BALANCED {$5700.00} XXXX XXXX XXXXXXXX BALANCED {$450.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-20 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
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. 

XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; Has violated my rights. I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am a victim of identity theft. After reviewing my credit report, I discovered two fraudulent credit card accounts that I did not open or authorize. The details of the fraudulent accounts are as follows : XXXX XXXX Bank XXXX Date Fraud Began : XX/XX/XXXX Date Fraud Discovered : XX/XX/XXXX Total Fraudulent Amount : {$430.00} XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Date Fraud Began : XX/XX/XXXX Date Fraud Discovered : XX/XX/XXXX Total Fraudulent Amount : {$420.00} Additionally, there are fraudulent credit inquiries on my credit report from XXXX XXXX Bank and XXXX XXXX XXXX. 

I have filed an FTC Identity Theft Report ( Report XXXX : XXXX ) to document the crime and have taken steps to dispute the fraudulent accounts and inquiries with the credit bure

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 2025-03-20 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: CA

Complaint narrative:
I am a victim of identity theft. After reviewing my credit report, I discovered two fraudulent credit card accounts that I did not open or authorize. The details of the fraudulent accounts are as follows : XXXX XXXX Bank XXXX Date Fraud Began : XX/XX/XXXX Date Fraud Discovered : XX/XX/XXXX Total Fraudulent Amount : {$430.00} XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Date Fraud Began : XX/XX/XXXX Date Fraud Discovered : XX/XX/XXXX Total Fraudulent Amount : {$420.00} Additionally, there are fraudulent credit inquiries on my credit report from XXXX XXXX Bank and XXXX XXXX XXXX. 

I have filed an FTC Identity Theft Report ( Report XXXX : XXXX ) to document the crime and have taken steps to dispute the fraudulent accounts and inquiries with the credit bure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Late Payment Reporting Dear, To Whom It May Concern I am writing to formally dispute the late payment entries reported on my credit report associated with my account. I believe these entries are inaccurate and unfairly reported due to non-compliance with the Truth in Lending Act ( 15 USC 1666b ). 



Gm Financial Account # : XXXX According to this statute, a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure that each periodic statement, which includes the required disclosures from section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. I have not received the periodic statement as required, and I have requested proof of this mailing in good faith, but I have not received the necessary documentation. 

The failure to provide the periodic statement in a timely manner is not only unfair but also illegal, and it has negatively affected my credit report. Therefore, I am requesting the following : 1. A review of my account and the removal of any late payment entries from my credit report.

2. Documentation proving that the periodic statements were mailed or delivered to me at least 21 days before the due date. 

Please consider this letter a formal request to rectify this situation. I expect a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If I do not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an unauthorized trade that occurred on my Robinhood Financial LLC brokerage account. Despite reporting the incident, the firm refused to assist or assume responsibility for the resulting losses. 
On XX/XX/year>, I noticed unauthorized trades in my account. Upon further investigation, I discovered that my personal information had been compromised and my email address and phone number had been stolen. The hacker used my identifying information to apply for two bank cards, one from XXXX XXXX XXXX  and the other from XXXX XXXX XXXX, transferring {$5000.00} and {$25000.00} respectively. I immediately contacted my stock company, Robinhood Financial LLC, and reported to them that my account had been stolen and {$30000.00} had been transferred into my account and asked them to freeze the transfers as they were still being processed at the time. Occurred on XX/XX/year>. 
A total of {$30000.00} was transferred out without my consent. 

On XX/XX/year>, I contacted Robinhood Financial LLC to report this incident. Despite providing evidence of unauthorized access, they have refused to accept responsibility, claiming that it has been determined that the account was compromised because you lost the I respectfully request that the Consumer Financial Institutions Protection Bureau investigate this matter and ensure that Robinhood Financial LLC reimburses me for my {$30000.00} loss. In addition, I urge the company to review and strengthen its security protocols to prevent a similar incident from happening again. 
Thank you for your attention to this matter. I look forward to your guidance on how to proceed and protect my rights as an investor. Please feel free to contact me if you need additional information. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
First It started at the dealership XXXX location in XXXX XXXX the car brought by recommending me to pick the car knowing that the just brought it from auction the car was not check for any previous damage before sign of the lease charge & resold my car first approval to another bank which is Mid Atlantic Finance put me on a unlawful contract by charging not fair interest rates regulatory in compliance with Fl Law, cause to drain my savings over XXXX $ on repair of the car right after a week from the date I bought it, i keep receipts for proof, and unnecessarily speeding. Mid Atlantic hold than the title, car was purchased on XXXX XX/XX/2024 at XXXX XXXX XXXX in XXXX XXXX XXXX, I am looking press charges with XXXX XXXX & mid Atlantic for causing lose of income pain and emotional distress and financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Sent multiple communications to Equifax beginning in XX/XX/year>, requesting information because there were multiple inaccuracies reporting on my credit report. I continued writing to follow up on my previous disputes. Despite my request for the method of verification, I have not received a satisfactory response. The inaccuracies are causing significant detrimental harm to my financial reputation and constitute a misrepresentation of my creditworthiness. These errors are negatively affecting my ability to secure credit, loans, and other financial opportunities, and I requested immediate correction to prevent further damage. I requested proof of the accuracy and completeness of the disputed information, including the method of verification and the name, address, and phone number of the person or organization that verified the alleged. In my communications I advised that, Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Additionally, I may pursue legal remedies including statutory damages up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees as outlined under the Fair Credit Reporting Act ( FCRA ). Please reach out to me directly via phone, XXXX, if there is any additional verification required. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: DE

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Mortgage has continues to harass me with phone calls and mail I have requested cease and desist several times verbally on a recorded line both mine and theirs and in writing XXXX XXXX has stolen money out of my account without permission I had revoked consent once they breached contract by refusing to comply with my request to send supporting documentation of the original signed promissory note with my signature. They have stolen money out of my account without my permission several times money that i received from my social security money that i need to live and to pay for my medication with and doctors visits. They have refused to allow my son to manage my account and have power of attorney and accept his letters and emails.

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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
Collection amount : XXXX I am disputing the alleged debt related to XXXX, which Tek Collect has reported to my credit file. This debt is invalid, and your attempt to collect it is inappropriate for the following reasons : 1. Service Not Provided : I never received the services from XXXX, meaning I do not owe this debt. 
2. XXXX Bankruptcy & Liquidation : The company has ceased operations and filed for bankruptcy, and I have seen no proof that you legally own this debt or that it is collectible. 
3. Failure to Provide Documentation : You have not provided a legally binding contract with my signature or any valid evidence that this debt is enforceable. Smile direct club did not fulfill agreement. 
Immediate Action Required Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am demanding : Immediate removal of this debt from my credit file if you can not provide full validation, including the original agreement with my signature and proof of a valid assignment of debt from XXXX to Tek Collect and that Smile Direct has not broken said agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-20 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: GA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief