vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Experian, Trans Union XXXX Equifax on numerous occasion via a dispute to my credit report. I have a bill with XXXX for cell phone service. During XXXX I was not able to pay the bill & they turned service off. I sent the phones in we had with them, in the XXXX that XXXX provided to me. XXXX states that they never received the phones. Unfortunately when I called the post office they were not able to track the package because I did not have a tracking number. When I contacted sprint back & told them the phones were mailed in the Envelope they provided I was told that there was nothing they can do if the phones do not arrive & that they themselves have no way to track the envelope as well. The bill is for {$2200.00} and change. Majority of this amount is the phones, that XXXX says they did not receive back. I have made numerous complaints to XXXX & each time they basically just tell me too bad. That it is my responsibility to make sure the phones are shipped back. I did my part by placing them in the envelope they provided and placing in the mail. This amount is not correct. I have asked for the last bill & contract from all credit agencies and received nothing. I have filed disputes and each time they tell me it is correctly 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-04-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX and for XXXX XXXX I am submitting this complaint for Checking Account : XXXX - Savings Account : XXXX I got a unknow miss called when I try to call the number back it didnt through to no agent or nobody I called XXXX but no luck thats the number they called me from at and their voicemail name is XXXX and I called customer support on the back of the card at XXXX no luck please find out why they call for and what they needed etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Enterprises, LLC
State: TX

Complaint narrative:
Revenue Enterprises , LLC is a debt collector that has reported medical debt I have to the 3 credit bureaus as a collection account and it is adversely affecting my credit reports. In accordance with the recent rule finalized by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2025, which prohibits the inclusion of medical bills on credit reports used by lenders, this account should not be appearing on my credit reports as a collection account. I have made attempts to file disputes with all 3 bureaus and so far only XXXX has removed the collection account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXXXX/XX/year> to my knowledge I set this account up on autopay in XX/XX/year> for some reason it was not setup since after a month I got a notification that I missed a payment which seems like an impossibility. 
Once I was made aware of this issue I got this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
I verified my account through a selfie, providing my drivers license to the company. I deposited {$3000.00} to my account. Over a week or so I lost {$250.00}. I decided to withdraw my money. The instant I clicked withdraw, my account was locked and frozen for suspicious activity. I had to wait days for a review. On the last day of my review it was stated that the company needed extra time. I called and had support escalate my case. Instantly they knew what they needed for review. I submitted these documents going on 5 days ago with still no response from Robinhood. The only new information they requested from me was my bank statements. I kept calling to get information, no one could give me an answer on when this would be completed. Today, they cutoff my ability to even call or talk to someone other than an automated agent. After doing some research, this company has done this same act to a lot of their customers. 

They have not asked for any new information other than my bank statements. Robinhood has established a clear pervasive pattern of withholding customers money when they try to withdraw. 

This is clear negligence on the part of Robinhood to not solve these issues in a timely manner and attempt to steal customers funds through roadblock after roadblock. 

Robinhood has also caused undue financial stress but making me fight for my own money when its time to pay bills and other expenses. They have no right to hold my money and draw this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
" I'm filing a complaint because I've been unfairlydeclined for several lines of credit due to inaccuracies on my credit report.Specifically, my credit report shows a bankruptcy marked as 'dismissed ' withoutaccurately reflecting the reasons for its dismissal. The bankruptcy was actuallydismissed because of failure to pay the filing fee and to file necessary information.This inaccurate portrayal of the bankruptcy on my credit report has significantlyimpacted my ability to access credit. Moreover, I received a letter from the courtstating that they do not verify information from credit bureaus or any other reportingagency. This means that there's no reliable way for the credit bureaus to verify thedata they have furnished, and it's widely known that they purchase data, which isoften inaccurate, from sources like XXXX. These actions by the credit reportingagencies ( CRAs ), Experian and XXXX violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumers ' credithistories. The inaccuracies on my credit report have led creditors to view me as ahigher risk, resulting in declined credit applications. As a consumer, I have rightsunder the FCRA, including the right to dispute inaccurate information in my creditreport and the right to receive accurate disclosures from creditors regarding adverseactions taken based on my credit report. Therefore, I'm filing a complaint with theConsumer Financial Protection Bureau ( CFPB ) to address these violations of theFCRA. In my complaint, I will detail the inaccuracies in my credit report, the adverseactions I've experienced, and the violations of the FCRA by the CRAs. I am seekingremedies such as the correction of the inaccurate information on my credit report, compensation for any damages suffered as a result of the inaccuracies, and enforcement actions against the CRAs for their violations of the FCRA. By filing thiscomplaint, I am taking steps to protect my rights as a consumer and ensure fair andaccurate reporting of my credit history. ''

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 2025-04-24 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of XXXX XXXX, and I demand that this account be immediately investigated and removed 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 2025-04-24 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX @ XXXX my card was stolen & fraud occurred. {$400.00} were charged on my account from different transitions. I did report this to my banking app & made a police report like they advised me too. 
The bank ( Chime ) is not working with me to dispute these transactions after submitting police report and they are having me wait until XX/XX/XXXX to settle the disputes. Ive asked them several times what else i can do for the process to be sped up because i obviously need my money back and account going for day to day purchases. 
They also told me they were going to remove negative fees that i have in my account since i didn't make those transactions and when i called to verify they stated they don't do those types of changes. 
This bank has terrible customer service and they are with holding money from purchases i never made, making me wait months to settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-24 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:
b'I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor\nPERSONAL INFO:\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nCOLLECTION:\nXXXX XXXX XXXX XXXX****** Balance XXXX XXXX\nXXXX XXXX XXXX XXXX****** Balance XXXX XXXX\nXXXX XXXX XXXX XXXX**** Balance XXXX XXXX XXXX XXXX XXXX** Balance XXXX XXXX\n\nINQUIRIES:\nXXXX 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 2025-04-24 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: LA

Complaint narrative:
a hard inquiries from THE FOLLOWING : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. appeared on my credit report. I did not apply for credit, submit an application, or authorize this company to access my consumer report. I also did not initiate any transaction or provide written consent for this inquiry to take place. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a hard inquiry must be connected to a legitimate credit transaction initiated by the consumer. Additionally, under FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], any party requesting a credit report must have a permissible purpose and certify that purpose to the credit reporting agency. 
I sent validation demands to the companies requesting documentation of my consent and proof of permissible purpose. They have not provided any evidence of a signed application or transaction initiated by me. Therefore, I believe this inquiry is unauthorized and in violation of the FCRA.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated

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 2025-04-24 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: IN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC
State: MS

Complaint narrative:
I originally owed a debt to XXXXXXXX XXXX XXXX for XXXX dollars, my husband XXXX XXXX and I filed XXXX  XXXX bankruptcy in XX/XX/XXXX, this debt was included in the plan, but XXXX XXXX services never filed to get paid. Bankruptcy was discharged in XXXX. 
I received an email from a company named XXXX XXXX that I owed this debt, in XXXX. 
XXXX XXXX  stated this debt was after the bankruptcy, that this company had issued me credit again, I explained to them that I did not request any further credit with this company and I did not owe them anything I sent them correspondence stating I dispute the validity of this debt and requested written verification of this debt, which I never received. Now I have been contacted by First Assess about the same issue, spoke with XXXX XXXX and told her the same as before, I did not apply for any further credit with this company, and also have requested a debt validation letter, which I have not received as of today. This second request was started about 2 weeks ago. The number to First Assess is XXXX. 
I did not make this debt, if it was made it was not by me. So I was supposedly applied for more credit from this company in XXXX or XXXX, I dont have anything in writing about this debt that I dont owe. 
Can you help me, I dont have money to pay a Lawyer to dispute this, and I dont want to pay a debt that I didnt make. Im almost XXXX XXXX XXXX, and this is stressing me out. They stated this happened about 8 or 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Again, XX/XX/XXXX Transunion is placing this account like it was a chargeoff which is not. If so, then I need a 1099C. Otherwise I will report this account to IRS because if its a charge off it means they reported it as a loss which it was not I paid it off. As I stated on complaint XXXX. This account needs to be shown as paid and NOT AS A CHARGE OFF. if you want to keep it as a charge off I NEED A 1099C. This will go to FTC and IRS. THIS was reported in XXXX I was not even born!!

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