vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-21 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: OK

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-21 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: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: KS

Complaint narrative:
My student loans were recently transferred to Mohela, they immediately started calling me 5-6 times a week during my work hours. They usually ask me to refinance my student loans.Many times I will answer and hear nothing from them and they eventually hang up. I call back at the same number and its always Mohela. I have asked repeatedly to stop calling me from XXXX to XXXX which is my work schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I 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 2025-04-21 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 shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I 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 2025-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This correspondence serves as an ultimate and conclusive formal objection concerning erroneous late payment details disclosed on my credit record in connection with the subsequent account : Account in Dispute Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
The town of XXXX MA merged my taxes with my mortgage and my mortgage went from {$400.00} to {$1200.00} per month. 
Im almost XXXX years old and retired with a small social security. 
I will go onto foreclosure as there is not a way to pay this. 
I need some kind of help. 
I spent 4 days calling different places for help. 
Please help XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-21 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXTotal VisaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Charge-Off on Credit Report and Request for Removal\nDear Sir/Madam,\nI hope this letter finds you well. I am writing to dispute the charge-off status that is currently reflected in my credit report for the account associated with the above-referenced Total Visa account. I request that you review this account and consider removing the charge off from my credit report based on the following reasons and in accordance with applicable laws.\n1.\tInaccurate Reporting:\nAccording to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, consumers are entitled to dispute inaccurate information on their credit reports. The charge-off reported on this account is either incorrect, outdated, or inaccurately reported.\n2.\tFailure to Validate Debt:\nUnder the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I have the right to request verification of the debt. I request that Total Visa provide proper documentation to verify the legitimacy of the charge-off and the balance. If no such validation is provided, I request that you remove the charge-off from my credit report.\n3.\tTimeliness of Reporting:\nIf the charge-off was reported after the statutory time limits or contains incorrect information regarding the date of delinquency or default, I believe it is in violation of the FCRA, which governs the timeliness and accuracy of information on credit reports (15 U.S.C.  1681c).\n4.\tRequest for Removal:\nIf you are unable to verify the charge-off or provide appropriate documentation to support the debt, I respectfully request that you remove the charge-off from my credit report in accordance with FCRA regulations.\nPlease send me written confirmation that this charge-off has been removed from my credit report or provide me with a detailed explanation of why it remains. If this matter is not resolved satisfactorily, I will not hesitate to escalate the issue to the Consumer Financial Protection Bureau (CFPB) and consider further legal action.\nThank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by law.\nSincerely,XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened business account- did meet requirements of keeping XXXX  $ ending balance for 3 statement cycles. i did call after 3 months and they confirmed multiple times that i did meet requirements. Still XXXX $ bonus not paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: UPGRADE, INC.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood abruptly closed my account without explanation or recourse, liquidating all my holdings at a loss without my consent after only 8 hours of notification, while simultaneously refusing all attempts at human contact. This action occurred during my good-faith efforts to resolve tax document discrepancies that Robinhood had previously acknowledged and agreed to help correct. Despite submitting all requested documentation and receiving no indication of issues, Robinhood has now stonewalled me with automated responses across all support channels, leaving me with financial losses, incorrect tax documents, and absolutely no human intervention or explanation despite 15+ attempts to reach a representative through every available support medium. 

Account Information : * Account was abruptly closed without explanation * All holdings were liquidated without consent, resulting in financial losses * Tax documents contain incorrect information Timeline of Events : * XX/XX/year> : Tax document ( 1099 ) made available by Robinhood * XX/XX/year> : Discovered incorrect information on tax forms while preparing taxes * XX/XX/year> : Contacted Robinhood support who acknowledged the issue and agreed to help XXXX XXXX XXXX XXXX : Submitted multiple forms of identification as requested ; received confirmation that everything was in order and was advised to file a tax extension * XX/XX/year>, XXXX XXXX  : Received email notification stating " We're closing your Robinhood account '' with no explanation * XX/XX/year>, XXXX XXXX  : All holdings forcibly liquidated ( mostly at a loss ) approximately 8 hours after notification, despite receiving a message that a team would help with " account restriction '' concerns * XXXX XXXX : Sent 15+ messages through various support channels requesting : * A phone call with a human representative * Explanation for account closure * Updated/corrected tax forms Communication Issues : * All email responses appear to be automated with identical copy-pasted content * Support chat only provides " Send us an email '' option * Phone support redirects to chat or email * Unable to speak with any human representative despite multiple attempts Requested Resolution * Explanation for why the account was closed * Corrected tax forms with accurate information * Discussion regarding unauthorized liquidation of assets at a loss * Compensation for losses incurred due to forced liquidation This pattern of behavior demonstrates lack of proper customer service, potential violations of account terms regarding notifications, and failure to provide necessary tax documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me over {$1000.00} in overdraft fees. I requested a refund citing financial hardship and their previous litigation for predatory fee practices. They only refunded {$70.00}, despite promising further escalation. This feels unethical and exploitative.

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 2025-04-21 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX XX/XX/scrub>XX/XX/XXXX Please delete the following accounts. 







XXXX  Account XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX Account 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 2025-04-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-21 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: NC

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief