vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I have had the Robinhood app for several years. Today, XX/XX/year> I deposited {$4900.00} into the Robinhood app to purchased XXXX. I successfully purchased {$4900.00} in XXXX and then attempted to transfer that XXXX to another XXXX  wallet when Robinhood placed a restriction on my account for unusual activity. I requested a call from Robinhood and at XXXX an agent called and asked me to verify my identity by name, date of birth, last XXXX of my social, and told me my account is restricted and under review but would not provide me with a reason or when the restriction would be lifted. I attempted to contact the company via chat at XXXX and asked why my account was restricted, they told me that the department that handles that isnt available any further communication regarding the matter would be done via email. I received an email at XXXX saying my account was under review and it would take approximately 4 days for an answer. I responded asking why my account was restricted in the first place at XXXX and at XXXX I received the same automated response that my account was restricted and under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX  ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ). 
Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts. 



2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate.

Judicial Precedents Collins v. Experian Information Solutions , Inc. ( 11th Cir. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ).

Taylor v. First Advantage Background Services , Corp. : The plaintiff alleged that XXXX XXXX  willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts reporting that do not belong to me reporting fraudulent, I do not recognize these accounts and they are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts reporting that do not belong to me reporting fraudulent, I do not recognize these accounts and they are not mine.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CT

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-09-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
Incorrect Balance The balance reported is inaccurate and inconsistent with the original agreement. Please provide a breakdown of how the balance increased from {$4200.00} to {$13000.00}. 
Interest and fees were miscalculated, inflated, or not allowed under the original contract or state law. 
If the account was charged off in XX/XX/year>, it shouldnt be reported as CO monthly after that. 
This can be considered re-aging, which is illegal under the Fair Credit Reporting Act. 
The account is marked as charged off as of XX/XX/year>, but continues to report a charge-off monthly. This is inaccurate re-aging and should be corrected or removed. 
The payment history shows continued monthly charge-offs after the charge-off date, which is misleading and inaccurate. Please correct or remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: ME

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-25 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: TX

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
REQUEST FOR DOCUMENTATION Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and applicable federal law, I am formally requesting the following documentation to validate the alleged debt : Complete Chain of Title / Chain of Custody from the original creditor to Lockhart , Morris & Montgomery, including all intermediate assignments.

Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account. 

Executed Contract of Assignment or Bill of Sale demonstrating that Lockhart , Morris & Montgomery acquired full legal rights to enforce the account.

Original Signed Credit Agreement and full account-level docume
ntation substantiating the amount and terms of the alleged obligation.

Service Agreement or equivalent agreement establishing the authority of Lockhart , Morris & Montgomery to collect on the a
ccount.

II. LEGAL AUTHORITY This demand is supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record is inadequate ; proper documentation of assignment and ownership is mandatory.

III. NOTICE OF POTENTIAL VIOLATIONS If the above documentation is not provided through this CFPB process and Lockhart , Morris & Montgomery continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

IV. FINAL NOTICE AND INTENT Consider this letter my final notice. If full compliance with the law is not achieved, I intend to initiate litigation in federal court for all applicable claims or arbitration according to contractual compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I was under the impression in XX/XX/year> that my loans would be deleted due to me working XXXX  years at my approved employer

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
They offered me loan modification that takes my interest rate from XXXX  % to XXXX % that raises the payment {$1200.00} more a month. This is not a loan modification. Wells Fargo is also to blame. XXXX  years ago our house burned down. It took XXXX  years to rebuild and a few months after the house was finished, I was in a horrific motorcycle accident that left me XXXX  XXXX. A few months after the accident Wells Fargo got wind that my house value was 3 times that I owe on it. They knew they had an opportunity to steal it if they gave the loan to XXXX  XXXX  knowing that the taxes would sky rocket. And they did and at the same time they gave the loan to XXXX. Because Wells Fargo doesn't want to have a Foreclosure on their record. XXXX tacked on {$2000.00} in late fees and with the taxes our payment went up {$1600.00} dollars a month due to the taxes that Wells Fargo didn't pay and the new late fees. Wells Fargo never charged us a late fee and we were never notified or billed for late fees. XXXX took it upon themselves to add the late fees. We disputed the bill and they basically laughed at us. We went through a service called XXXX XXXX XXXX  to dispute the charges and request a loan modification. The modification they offered is described above and it is all an attempt to steal the house. They say they can do whatever they want on a conventional loan. This is why they have an XXXX  rating at the XXXX. This is how they treat a XXXX XXXX who has gone through XXXX catastrophic events. Wells Fargo is to blame for all of the above and was a set up to fail. Wells Fargo is also false reporting that I am late on my XXXX Mortgage, they claim that I am XXXX  months late and I never missed a payment. Wells Fargo and XXXX claim that there is of close to {$2000.00} and we have never received a late notice or notification or a bill from Wells Fargo. Wells Fargo falsely claimed I was late on my second mortgage to purposely destroy my credit in an attempt to steal my house knowing I wouldn't be able to get money with bad 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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am formally requesting, as required by law, the following documentation to validate the alleged debt : Complete chain of title/chain of custody from the original creditor to Portfolio Recovery Associates , including all intermediate assignments. There should be no contractual gap.

Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account. 

Executed Contract of Assignment or Bill of Sale showing that Portfolio Recovery Associates acquired full legal rights to enforce the account. 

XXXX signed credit agreement and full account-level documentation substantiating the amount and terms of the alleged obligation. 

This request is supported by XXXX XXXX  Portfolio Recovery Associates , LLC, XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXX  ), which held that failure to provide the chain of title and purchase agreements constitutes insufficient validation under federal law. The court clarified that a mere data printout or internal record is not adequate ; proper documentation of assignment and ownership is mandatory. 

If the requested documentation is not provided through this CFPB process and Portfolio Recovery Associates continues to report this account to credit bureaus or engage in collection activity, such actions will constitute willful violations of the FDCPA and FCRA. 

Consider this my final notice and intent to initiate litigation in federal court for all applicable claims if full compliance with the law is not achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
OK, so I add my uncle onto my account and deposit it his IRS check for him couple days go by I realize that my account was restricted so I was trying to figure out why they said because the check was fraudulent which they lied. The check came from the Irs. He has his transcript where is my refund and tax returns approve it. This happened in XX/XX/year>. So they closed out my personal account and my business account so now theyre holding the funds saying they cant get in contact with the IRS . Im trying to see how hard it is to contact the IRS. Theyve been giving us the runaround since then, but for them to say the check is fraudulent thats why my account is being closed. I feel like Im being discriminated against. That was my only bank account and for them to still be holding the funds saying they cant get in contact with irs is bs. Im trying to see where should I go from here? Because the bank is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: LEXISNEXIS
State: PA

Complaint narrative:
I have previously disputed with XXXX XXXX in regarding these accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. This erroneous report badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation