vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-04 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
An account restriction placed on my account, as outlined in the email I received on XX/XX/, l 've provided the requested documentation and have been waiting for an update. Unfortunately, I have not received any response to my multiple follow-up emails or calls, which is concerning. 
As this restriction is impacting my ability to access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian Credit Reports is totally unwilling to provide a way to delete your account. No where on the website does it have the ability to delete the account. When using the phone, you end up talking in circles for 30 minutes with a robot that doesn't work. When you try to talk to a human the robot tells you they are unable to transfer you to a human. When I figured out how to talk to a human, I was transferred back to the robot. When attempting to remove my bank information from the Experian website, I continually received an error saying they were unable to. All I want is for them to remove my account and delete my data. Experian is using shady tactics to keep your data and prevent you from leaving their service.

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

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 2025-04-04 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: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I wanted to get a phone line with XXXX on XX/XX/XXXX. I ordered two phones but realized I wouldnt be able to continue the service. I adhered to the 14 day policy which allowed me to cancel and return the phones without charge. I cancelled the order and the lines the following day XX/XX/XXXX and received confirmation XXXX the order was cancelled. 

The rep had the phones returned to sender which was confirmed by XXXX who never delivered the phones and sent them right back to XXXX XXXX Texas HQ. Also can be referenced by shipping numbers.

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

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hi CFPB, I am writing to formally request the removal of a derogatory mark on my credit report related to Well 's Fargo account number XXXX, an auto loan for my youngest daughter, XXXX XXXX, which I co-signed. This loan originated in XX/XX/year>. Although my contact information is listed on the account, all statementsboth paper and electronichave historically been sent solely to XXXX, the primary borrower. 
In XXXX of this year, while logging into my Wells Fargo app to pay a credit card balance, I was surprised to be notified of a 30-day delinquency on this auto loan. Upon learning of this issue, I immediately took action to bring the account current. Unfortunately, this delinquency has resulted in a XXXX point drop in my XXXX credit score. 
I respectfully request the removal of this negative mark, considering the following factors : I have had multiple loans and lines of credit, both past and current, with Wells Fargo, all of which reflect a perfect payment history. 


My daughter, who was solely receiving account statements, was unaware of the impact of a missed payment on credit scores. This has been a learning experience for her, and I have since ensured that all future statements are sent directly to me so I can personally oversee payments and prevent any recurrence. 


As a co-signer, I was surprised that I never received any prior notification directly to me of a late or missed payment until after the account was already 30 days delinquent. 


In the coming months, I am resetting an eight-figure commercial mortgage, and this derogative credit score impact is likely to have significant financial implications. 


I appreciate your time and consideration in reviewing this request and look forward to your response. 
Sincerely,

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 2025-04-04 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: FL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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

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

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have about 5 accounts that has been charged off due to me loosing work to finish paying off but these accounts were discharged theirfore the company 's are still trying to collect and by law they can not try to or attempt to collect Any Debt from consumer after it has been charged off 15.usc 1681i.15usc1666b.15usc16815XXXX XXXX I'm in a first time home owners program that thoes accounts on my account need to be removed in order for me to move forward as of now these company 's are hindering me from pursuing my right to purchase any home etc.XXXX  is XXXX XXXX  is another I've called transunion XXXX XXXX several times to get them to remove the outdated information and no one seems to care so theirfore I will seek counsel and present an law sue for defamation of character their should only be one account on file and that's XXXX XXXX that I'm working with now I need these account removed from my file so I can pursue my happiness

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 2025-04-04 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: FL

Complaint narrative:
There is information in my credit report that I have submitted with this complaint showing inaccurate information. My name is XXXX XXXX and this is not a third party filing this complaint. I would appreciate if you can update this information immediately or remove it. These inaccuracies are damaging my financial situation to get loans or lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
There is information in my credit report that I have submitted with this complaint showing inaccurate information. My name is XXXX XXXX and this is not a third party filing this complaint. I would appreciate if you can update this information immediately or remove it. These inaccuracies are damaging my financial situation to get loans or lines of 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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I tried to buy {$100.00} of XXXX  on Coinbase at the price of {$2.00} and I was canceling a limit by at {$2.00}. instead Coinbase sold XXXX of my XXXX  from my XXXX wallet at {$1.00} each! The reference code for this is in XXXX. They added a total {$170.00} when the market price was XXXX dollars and XXXX cents! I have a screenshot to show this. This unintended sale cost me {$180.00}. I called support immediately. They refused to investigate stating " irreversible crypto transactions '' and their only suggestion was to lock my account for possible hack, even though I saw this happen live. No explanation was given for how a {$1.00} sale executed or who received my XXXX. At the time of this unintended sale, the price was {$2.00} and that should equal {$360.00}. Coinbase gave me {$170.00}. This should not have happened. I'm not sure what kind of system they have set up to where you can so easily sell for half your value, but I know I would've never done that. 

As a Coinbase one member I've lost {$180.00} due to this apparent glitch. I've closed my account and I seek reimbursement and an investigation. My desired resolution would be a refund of {$180.00} and the explanation of this error. The company is Coinbase. Product is a virtual currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw uninvested cash from my Robinhood brokerage accounta process I have completed regularly without issue. For the first time, I was prompted to submit a live selfie to a third-party service for biometric verification. I do not consent to submitting biometric data and requested an alternative method of verification, which has not been provided. 

That same evening, my husband successfully withdrew funds from our joint Robinhood account without being required to submit biometric verification. I remain unable to withdraw funds or move money between my Robinhood accounts unless I comply with the biometric prompt, despite having successfully accessed and withdrawn funds for years using Robinhoods standard verification process. 

I contacted Robinhood support via email on XX/XX/XXXX and followed up again on XX/XX/XXXX. I have received no response as of XX/XX/XXXX. This is notable because Robinhood had previously been responsive multiple times per day through the same support thread. In my outreach, I specifically requested : An alternative method of identity verification Confirmation that I could opt out of biometric verification without being denied access to my funds That my inquiry be forwarded to the appropriate team if it was outside the support representatives scope None of these requests have been acknowledged or addressed. 

Meanwhile, Robinhood continues to allow me to use the same uninvested cash for internal activity ( such as placing trades ) without biometric verification, while blocking all external withdrawals and even internal account transfers unless I comply. When prompted to submit biometric verification, I am referred only to a general privacy policy that does not mention biometric data collection, opt-out rights, or third-party vendor information. I have not received any biometric-specific privacy documentation or terms of consent. 

This raises serious concerns about transparency, data privacy, and the selective application of restrictions on access to funds. I am now multiple days into this issue with no resolution, no communication, and no clear timeline for restoration of access. 

I am seeking a resolution that allows access to my funds without being required to submit biometric data, and a clear explanation of Robinhoods biometric verification policy and legal basis for applying it selectively.

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

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had money disappear out of my cashapp and XXXX  account with no one to speak to or get to the bottom of the issue

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
on XXXX XX/XX/scrub>/2025 i requested validation and amount, but ignor the matter

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