vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I am writing in regard to my account ( Case # XXXX ), which has been locked for over a month. I am currently unable to withdraw any funds from my balance, and I have been informed that my account is under a 120-day investigation. However, no clear reason has been provided for this action.

I have complied with all standard procedures and requirements, yet the issue persists, and I have now been informed that my account may be closed. This situation is highly concerning and has caused significant disruption.

I kindly request a clear explanation for the ongoing investigation and immediate action to release my funds. If there are specific concerns, I am more than willing to cooperate fully to resolve them. However, holding my funds without transparent reasoning or timely communication is unacceptable. 

Please respond at your earliest convenience to provide an update and resolution path.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX  we were forced into a bankruptcy. We continued to make better than timely payments to our Home Equity Loan and it was not included in the bankruptcy. Recently we checked our credit report because of process of changing loan to another institution and found they could find no record of such a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/XXXX My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I'm reaching out for two different reasons. The first being to ask for a paper copy of my credit report. I do currently have access to it on sites like XXXX XXXX, but i still want to pull an actual copy of it though to make sure everything is fine with it ( incase something isn't shown on XXXX XXXX side ) and i want to dispute a recent hard inquiry i received on my credit report. Here 's why i want to dispute it, and why I'm legally allowed to remove it. I applied to XXXX XXXX XXXX XXXX XXXX back in assuming i would receive it because XXXX XXXX said i was prequalified for the card via the pre qualify test thing on the credit cards page, and they even said in their terms that i could mention someone else 's income if they are paying for my bills so i applied for the card and received a hard inquiry for it, but then after that i was told that i needed to show physical proof of my personal income ( paychecks, etc ) or a notarized letter showing proof of someone else paying my bills, and that's the issue. Ignoring the smaller issues like how they want me to pay for notarizing the letter, etc, there's still the obvious facts that they failed to mention any of that unit after i received the hard inquiry, which is obviously highly illegal ( its literally fraud, aka false advisement ) because they failed to mention it during the prequalification test ( and even said i could continue without income, and that there wasn't anything else i needed to show on the final message of the prequalification test as well, proof shown below ), but literally flat out said otherwise during the application process as well, yet refused to uphold their word after applying. I sent a complaint into back in XXXX, and they finally replied back, just to tell me that they refuse to help me, They want me to reach out to the credit agency 's instead.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened account with Citibank and deposited amount of {$19000.00}, This check was from state farm insurance for my total loss from my car accident. Once the check was cleared, that same day I went in Citibank to buy cashier check to buy my car. The manager said my account was still new so they need to review it, So they didn't let me buy the cashier check. Next day they closed my account. I got emailed on XX/XX/year> that the account is closed. So I reached out to them many times about when will they reissue my check? They needed to verify the check, they wanted state farm to call and verify the check, much they're nice enough to called because their job is done. Back and forth for over 3 months now, they still haven't issue my check? Everything is verified. There excused is that the back end is working to issue my check. It has been over 3 months now? I don't know what's the hold on my check? Citibank consumer service they seem to be loss and don't have a straight answers?

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 monetary relief
Consumer complaint received 2025-04-07 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-07 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: AL

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 2025-04-07 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-07 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft somebody use my information to open line of credit and bank account and my name. I made the creditors aware of this situation. Providing them with the FTC report as well as the police report that clearly showed that I was a victim of identity theft. According to the fair credit reporting act ( 15 U.S.C. 1692g ) they are not using the correct form of verification for validating the debt, as well as not showing any proof that ties the debt directly to me. This inaccurate credit reporting is holding me back from being able to access lines of credit loans and even getting a car.

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 2025-04-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an account on my credit report that has been incorrectly reported. I had an account with XXXX XXXX that went to collections. The date of first delinquency is incorrectly listed as XX/XX/XXXX, however the delinquency was much earlier. I opened a dispute to get this corrected, however the dispute was closed after 30 days with no update. When i went to check online, i was told i had to call to get information. I called, and the lady told me there was no update to the dispute, however the item was scheduled to be removed from my report on XX/XX/XXXX and to just let it be for a few more weeks. I waited, however the account was not removed as agreed. Instead, when i called back, i was on hold for several hours before finally getting to speak to an agent. When i finally spoke to them, they said it looked like the date was XX/XX/XXXX and i had to wait. I told them that was the original reason i had disputed the account, and that the dates were incorrect. I also asked what happened to the XX/XX/XXXX date i was previously told and they said there was nothing else they could do. I then asked to speak with a supervisor. After holding for another 20 minutes, they told me no one was available and they would contact me within 24-72 hrs and hung up on me.

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 2025-04-07 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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

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 2025-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Capital one bank XXXX Capital One XXXX, XXXX, VA XXXX XX/XX/XXXX To Whom it May Concern, This letter is to inform you that I have recently reviewed a copy of my credit report and found a number of things on the credit report that are inaccurate. The account in question is below. please send copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below. 
Account Name : Capital one card Account Number : XXXX Dispute Reason : inaccurate date of last activity. 

Please explain your method of validation and provide information on who and how this account was verified as accurate. Dispute instructions : Please delete immediately. Under the Fair Credit Reporting Act, 15 usc 1681G I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents you have in your files that was used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( l ). By publishing these inaccurate and unverified items on my credit report and distributing it to third parties, you are damaging my reputation and my credit worthiness. Under FCRA 15 UC 168i, all unverified accounts must be deleted.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
[ Your Full Name ] [ XXXX XXXX Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Date ] Americollect , Inc . 
XXXX XXXX XXXX XXXX, WI XXXX Subject : Request for Debt Validation Account Associated with XXXX XXXX XXXXXXXX Dear Americollect XXXX Inc. , I am writing in response to a collection account that has recently appeared on my credit report. I formally request a validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), XXXX5 U.S. Code 1692g.

Under the FDCPA, I request that you provide the following information : A copy of the original signed agreement or contract with XXXX XXXX XXXX proving that I am legally obligated to pay the alleged debt.

The full account history, including the date of the first delinquency, date of the last payment, and any charge-off details. 

The chain of assignment showing how Americollect obtained the debt from XXXX  XXXX XXXX, including all relevant documentation. 

A detailed itemization of the alleged balance, including what portion of the balance is principal, interest, fees, or other charges. 

The name and address of the original creditor and the original account number. 

Documentation verifying that this medical debt is not already covered or paid by insurance. 

Please consider this letter as a formal dispute of the validity and accuracy of this debt. Until these items are provided, you are required by law to cease all collection activity, including reporting this information to any credit reporting agencies. Reporting a disputed debt without validating it is a direct violation of the FDCPA. 

If you can not validate the debt, you must remove it from any and all credit reports in which it has been reported. 

Please respond to this request within 30 days of receipt. All further communications must be in writing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 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 2025-04-07 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-04-07 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNT Debt ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX RNT DEBT ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX RNT Debt ( Original creditor : XXXX XXXX XXXX  ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
Collection or Charge Off XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Reporting Balance : {$0.00} I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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