vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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 reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00}

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies of accounts being reported on my credit profile. on my XXXX  report for lender " XXXX XXXX '' for months XXXX XXXX XXXX XXXX  my account should report as " OK '' PAID AS AGREED, just as it reports on my XXXX XXXX XXXX report. Also months XX/XX/XXXX- XXXX XXXX-my XXXX  report should show " OK /Paid as agreed '' just as my report shows with XXXX XXXX XXXX XXXX 
FCRA requires credit reporting agencies to ensure the accuracy and fairness of information in consumer reports. including verifying the information, correcting errors, and removing outdated and inaccurate information. If you compare the XXXX XXXX XXXX XXXX XXXX XXXX account-you will notice all kinds of errors among the XXXX account. I am requesting a full investigation and verification of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>XXXX XXXX froze my account and denied a transfer of nearly {$1400.00} that I had initiated to my bank. They claimed one or more payments were flagged as violating their User Agreement. However, they have refused to tell me which payment was flagged, what rule was violated, or why they are holding unrelated funds that came from clients who never filed any complaint. 

I use XXXX to receive payments for my small cleaning business. These funds were for legitimate services already completed. I requested a breakdown of the flagged activity and asked that the remaining funds be released, but XXXX has refused to provide any clarity or resolution. I received copy-paste responses from customer support and was told my account is permanently frozen with no access to my money. 

I am now being denied over {$1400.00} of business income, even though only one transaction is in question. XXXX  is withholding clean, undisputed funds with no transparency and no process for appeal. I am requesting that the flagged payment be isolated, and that the remaining balance be released immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
XXXXI have account on Robinhood investing platform. XXXXOn XXXX XXXX XXXX  when market started XXXX, my account without any reason was frozen and I did not have acces to my account from my computer. I wasn't able to contact Robinhood, that to figure out a reason of this action.  I was trying to find any contact with Robinhood.XXXX XXXX  XXXX  I got a call from somebody, who represented himself as a member of Robinhood customer support team. I explained my problems with login to Robinhood and he said, that to get access to my account through my computer, I need to proove my identity. ''That to proove my identity, I need to transfer to Robinhood debit card XXXX, - he said. \n He helped me to install Robinhood application on my phone and transferred from my account XXXX  He said, that I can login now to my account from my computer and he will call me back. But actually he transferred XXXX  from my account to the mastercard XXXX XXXX XXXX XXXX XXXX which was isued by XXXX XXXX. It was scam. \nI contacted Robinhood support seferal times by email and through application regarding this fraud transaction, asking to cancell transaction and return my money back to my account. XXXXBut they do not want to do anyting with this fraud.XXXX called to the XXXX XXXX  and I sent them the police report regarding this transaction and I asked them to hold this money because money fraudulently were stolen from my accountXXXXPlease help me to cancel fraud transaction and return XXXX  to my account."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: IL

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 2025-05-18 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: MD

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent information from my credit file. I have been a victim of identity theft, and there are multiple unauthorized accounts and inquiries listed on my credit report that I did not apply for or authorize. These entries are incorrect and do not pertain to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed with this letter, you will find a list of the disputed items, along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) as supporting documentation. 

I kindly request that you investigate these matters and take the necessary steps to delete these fraudulent items from my credit report. I would appreciate your prompt attention to this matter, and I request written confirmation once these corrections have been made. 

Thank you for your time and assistance.

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 2025-05-18 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:
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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I have taken 2 loans out with XXXX, I have been charged an APR percentage way over the allotted in accordance with The Ohio Servicemembers Civil Relief Act ( SCRA ). To date, I have not received any response or confirmation regarding this request. I respectfully request the status of my SCRA benefits be applied. and that I be refunded for the amounts I have overpaid. For context, I have been a XXXX account holder since 2019. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NC

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 U.S.C 1681. 
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 XXXXXXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it shall assure maximum possible accuracy of the information on concerning the individual about whom the reporting relates according to 15 U.S.C 1681 ( e ) ( b ).

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 2025-05-18 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: TX

Complaint narrative:
b'I am filing this complaint under the Fair Credit Reporting Act (FCRA) regarding inaccurate and outdated personal information being reported on my Experian credit file.\n\nMy credit report currently contains several incorrect and misattributed name variants, as well as outdated telephone numbers that are no longer associated with me. These inaccuracies can cause serious confusion, increase the risk of file mixing, and may interfere with the accuracy of my credit profile.\n\nThe following name variants are incorrect and should be permanently removed:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese names are either misspelled, outdated, or otherwise inaccurate.\n\nThe following outdated telephone numbers should also be removed:\XXXXnThese numbers are no longer in use and are not connected to me in any current, valid capacity.'

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 2025-05-18 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: CA

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 2025-05-18 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: OH

Complaint narrative:
I am now formally requesting detailed proof of the previous investigation regarding the XXXX XXXX on my report. Specifically, I ask that you provide : The method of investigation used The names, business addresses, and phone numbers of any parties contacted Documentation relied upon to verify the reported late payments Proof that this account was actually late on the disputed dates If this information can not be provided within 15 days, I request that the account be corrected to reflect PAID/NEVER LATE and that a copy of my updated credit report be sent to me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-18 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: Fay Servicing, LLC
State: CA

Complaint narrative:
Since my divorce in XXXX of XXXX, I have been negotiating with my first mortgage ( Fay Servicing/ XXXX XXXX " XXXX XXXX XXXX '' ) and my second mortgage ( XXXX XXXX XXXX XXXX XXXX ) to again accept payments from me. In mid XXXX, after 10 years and dozens of Mortgage Assistance Applications, my second mortgage ( XXXX XXXX  XXXX XXXX XXXX ) finally accepted a 2 % fixed mortgage payment of {$1200.00}. After I had made 3 payments to accept their offer, XXXX XXXX XXXX XXXX XXXX rescinded their offer because my first mortgage appeared on title 3 times. XXXX - XXXX XXXX XXXX refused to be in 4th position. Apparently the first mortgage had been transferred between departments using a Transfer of Deed. Typically a Transfer of Deed is accompanied by a Reconveyance which releases the interest in the property. These were never filed. Legally, I now owe Fay Servicing and XXXX XXXX 3 times the amount of my first mortgage because they fraudulently neglected to file the 2 reconveyances. I sent the attached letter in XXXX of XXXX. Instead of responding to the letter, Fay Servicing - XXXX XXXX attempted to foreclose on the property in XXXX of XXXX. I declared XXXX XXXX bankruptcy in order to stop the foreclosure. My son XXXX XXXX who is also on title declared XXXX XXXX bankruptcy in XXXX of XXXX to stop the foreclosure auction again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Spring oaks capital , LLC a company I have never done business with is reporting to my credit saying I owe a debt of {$740.00} which is hurting my credit score. The date the opened on my credit report was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation