vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
XX/XX/year>2025 Made deposit into Robinhood investment account of {$1000.00}. Changed debit card on file to withdraw funds. Account was then flagged for suspicious behavior. Called customer support to inform that this activity was indeed my own. They were not able to explain why the restriction was present without an XXXX on when this would be rectified. 
XX/XX/year>2025 Customer Support still has XXXX answers on the status of my review and they are not able to release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: MI

Complaint narrative:
Carmax Auto Finance : Late Payments : This account is an billing error 15 U.S.C 1666 ( b ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless they have sent by mail and delivered a statement before 21 days of the payment due date. Which did not take place and no proper verification has been given to prove otherwise. 

Therefore, CarMax is required by law to report to the credit agencies to remove any late payments. CarMax has not showed any proof that I have received my billing statement within 21 days of the payment due date, but has reported late payments to the credit agencies on XX/XX/XXXX and XX/XX/XXXX. I have previously disputed this matter with the credit agencies and CarMax. I have been receiving a generic response that they have verified my account. I'm not disputing whether this is my account. I'm disputing the fact that I never have received my billing statement before 21 days of the payment due date, therefore it's a billing error. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: WV

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 explanation
Consumer complaint received 2025-04-15 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: NY

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 2025-04-15 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: NY

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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: RockLoans Holdings LLC
State: MI

Complaint narrative:
Rocket Loans : Late Payments : This account is an billing error 15 U.S.C 1666 ( b ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless they have sent by mail and delivered a statement before 21 days of the payment due date. Which did not take place and no proper verification has been given to prove otherwise. 

Therefore, Rocket Loans is required by law to report to the credit agencies to remove any late payments. Rocket Loans has not showed any proof that I have received my billing statement within 21 days of the payment due date, but has reported late payments to the credit agencies for XXXX, XXXX and XX/XX/2023. I have previously disputed this matter with the credit agencies and Rocket Loans. I have been receiving a generic response that they have verified my account. I'm not disputing whether this is my account. I'm disputing the fact that I never have received my billing statement before 21 days of the payment due date, therefore it's a billing error.

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Over a year ago, I paid off my full PayPal Credit balance of {$620.00} via the Add to Balance option in my PayPal account using my debit card. The balance zeroed out, but since then, Ive received repeated notifications and collections attempts from Synchrony Bank, claiming I still owe the balance. 

Ive submitted multiple disputes and provided bank statements proving the payment. The issue appears to be a system error where the payment was applied to PayPal but never reflected on the PayPal Credit account. The balance has now increased to {$1300.00} due to fees, and this is negatively impacting my credit score.

Im seeking : Correction of the error Account update to reflect {$0.00} balance Removal of all negative credit reporting Cease of collection attempts Ive attached supporting documentation with this complaint.

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 2025-04-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-15 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I hired a private investigator turns out I didn't need him and he said would refund the money it's been several days now I can not get a hold of him so I file complaint with cash app a pretty much got the answer that they aid and abed scammers they clearly in the message denying me all the rights that they are supposed to provide under several federal acts I as a natural born citizen and the power invest in me as a tax payer which there forth titles all power of the three branches of government by the constitution of the United States of America demand under there own admittance that cash app be stripped of all its activity 's and any and all efts by transfer to account or by debit card be called back and return to originator for purpose of it all being illegally committed there own admittance in attached documents and any and all transfer fees shall be returned any and all monies spent or paid thru cash app for they are not a licensed or registered financial institution and Im asking the cfpb to do there part as invested in them by the acts of its formation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion LLC Consumer Dispute Center [ Credit Bureau Address ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Information Without Required Notification Violation of FCRA 1681i ( a ) ( 5 ) ( B ) Dear TransUnion, I am writing to formally dispute the reinsertion of information into my credit report without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Specifically, the following item was previously removed from my credit report but has since been reinserted : DEPTEDXXXX Date of Original Deletion : XXXX Date of Reinsertion : XXXX XXXX According to the FCRA, if any information is reinserted into a consumers credit file after being deleted as a result of a dispute, the consumer must be notified in writing within five business days. I did not receive any such notification, and therefore, this reinsertion appears to be unlawful.

I demand that this item be immediately removed from my credit report unless you can provide written evidence that : 1. The source of the information has certified its accuracy, and 2. I was notified of the reinsertion within the legally required time frame. 

Please consider this a formal dispute and investigate this matter immediately. I am also requesting a complete reinvestigation of the reinserted item. 

I have enclosed a copy of my Driver 's License, along with my social security card. 

Thank you for your prompt attention to this serious matter. Please respond in writing confirming your findings. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I am disputing a charged-off account reported by Upstart Network Inc. ( Account ending in * XXXX ), which was sold to XXXX XXXX XXXX XXXX Despite no longer owning the debt, Upstart continues to report the account as charged off, with derogatory history and a {$0.00} balance, which is misleading, duplicative, and causes material harm to my credit profile. 

I submitted a formal dispute through XXXX ( Confirmation # XXXX, dated XX/XX/XXXX ). Upstart verified the tradeline, but no documentation was provided. They failed to furnish any breakdown of the charge-off, complete payment history, or verification of the balance. XXXX reinvestigation stated only that unrelated data fields had been updated, and not the substance of the dispute. 

This has created a double jeopardy effect : I am being penalized twice for the same debt once by the original creditor ( Upstart ), and again by the debt buyer ( XXXX XXXX XXXX ). XXXX has already responded to a separate CFPB complaint by stating that they would delete their tradeline, confirming the underlying debt is disputed and potentially unverifiable. Yet Upstart continues to report this account with a charge-off and negative payment history, even though they no longer own it. This is legally indefensible and harmful. 


-- - Violations of the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Upstart is reporting inaccurate and misleading information, including a derogatory status for a debt they no longer own, resulting in duplicative reporting.

1681i ( a ) : After I submitted a dispute through Equifax, Upstart failed to conduct a reasonable reinvestigation or provide any supporting documentation.

1681i ( a ) ( 5 ) ( A ) : The information should have been deleted, as it could not be verified through documentary evidence.

1681s-2 ( a ) ( 3 ) : The account is not clearly or permanently marked as disputed.

1681s-2 ( b ) : Upstart failed to correct or remove the inaccurate and unverifiable data after receiving notice from the credit bure
au . 

CFPB XXXX XXXX : Upstart did not meet their legal obligation to review all relevant dispute materials and respond accurately. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : Courts have held that a creditor or debt collector must provide more than a partial summary full account validation is required. Upstart failed to meet this standard.

Company response to consumer: Closed with explanation