vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian I an suing you I have requested 7 times for information that you keep verifying and should have the information I requested to properly verify it your refusal to comply with proper verification. { I have not been supplied proof under the doctrine estoppels by silence, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX } I may presume that no proof of the alleged debt, Nor therefore any such debt in fact exists. your 7 time refusal to supply the information is ALL documented by government agencies therefore a law suit for fraud and damages will be forth coming XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Account Number XXXX Balance : {$20000.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$19000.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
Collection account with XXXX XXXX XXXX for {$260.00} and I never done business with them Collections account with XXXX XXXX XXXX for {$810.00} and I never done business with them Various car dealerships hard inquiries on my credit report that I never done business with. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year>, my account was frozen based on a banner on their app. It said no action was needed on my part. I thought this was routine but later in the day I noticed a fund was sold without my authorization. When I tried to contact the company per their consumer agreement stating that any unauthorized transactions should be reported within 24 hours, no method of support goes through. All options say my account is under review and I can not take any action, nor contact them in any way about this. I subsequently tried to withdraw my funds to hope that no malicious actions could take place but those were put on hold as well. I'm concerned either someone else, or this company, has hijacked my account with no instruction from me nor any notice to me except a banner on their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
I disputed a collection account on my Equifax credit report from XXXX XXXX XXXX, referencing a past lease with XXXX XXXX XXXX. I contacted the original creditor, and they provided a written statement confirming they have no record of me owing a debt, past lease, or any associated balance. Despite this, Equifax verified the debt solely through the collection agency, without properly validating it with the original creditor. This violates my rights under the Fair Credit Reporting Act ( FCRA ), as the debt can not be verified at its source. 
I am requesting this account be deleted from my Equifax report immediately. I have attached documentation from the original creditor proving no debt exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Please be advised that I have discovered fraudulent activity on my credit file involving accounts I did not create. I had no role in opening or managing these accounts. In accordance with my rights under 15 U.S.C. 1681g, I request that they be removed within 15 days. Supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXXXXXX XXXX XXXX ) 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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX  negatively reporting debts that do not belong to me and I do not have any record of such accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing this letter in response to your recent communication regarding a debt that you claim I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting validation and verification of the debt in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ). Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Verification that I am the debtor for this account.

4. Details of the account history, including the original contract and any relevant documents. 
XXXX. Proof that the statute of limitations on this debt has not expired. 
XXXX. The debt purchase agreement with the original debtor. 


I am also requesting that all collection activity cease until the requested validation has been provided. Please send the requested information to the address listed above within 30 days of receiving this letter. Failure to provide verification of the debt will result in a request for the removal of the debt from my credit report and possible legal action. Please send me a copy of the method of information to make decision based on the information I asked that you prove with the reporter of the information. One of the accounts you have taken off of my report has reappeared on my report. You also have these accounts reporting as open which can not possibly be verified if they purchased the debt from an original creditor : I am tired of dealing with TransUnion and your bad non investing decisions. 

* IF YOU CAN NOT VERIFY BY MY REQUESTED INFORMATION, I ASK THAT YOU DELETE THE ACCOUNT FROM MY CONSUMER REPORT ASAP. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 


XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX  and Federal Trade Commission ). 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX Experian

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am the owner of both an XXXX XXXX account and XXXX XXXX XXXX  account which are owned by Citibank. 
I am not disputing ownership, however for over a year I have had to deal with fraudulent charges which were numerously made on both accounts and have requested that both cards be flagged for this fraudulent activity and close these accounts immediately which they did not do. 
I even submitted a fraud report which was ignored and now I have charges that are accruing and damaging my credit further. 
I have also been enrolled in auto pay so monthly minimum payments were made on this account continuously and on time. 
I am no longer enrolled in that due to the company 's failure to investigate my claim.

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 2025-06-11 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>, and XX/XX/year>, I received XXXX payments ( {$20.00} and {$52.00} ) from someone I do not know. I tried to refund both. The {$52.00} was refunded, but the same amount was sent back again by the sender. The {$20.00} refund was blocked by PayPal due to security restrictions. 

Since then, PayPal has limited my account and placed a XXXX hold on my balance of {$2800.00}. I have contacted support multiple times to request access to my funds and an explanation. I am deaf and can not hear or speak, so my son also reached out on my behalf, but no agent was available and I received no follow-up. Later, support claimed my account was clear, but I am still blocked from withdrawing. 

This is money I urgently need to purchase an XXXX product, and I have done nothing wrong. Im requesting the CFPB to step in and require PayPal to release my funds or provide a clear, legal reason for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: GA

Complaint narrative:
I disputed a Discover secured credit card account with XXXX  in XXXX, and the dispute was approved. However, Discover has failed to update or correct the account status on my credit reports. As of XX/XX/XXXX, the account still shows as charged off with a {$470.00} write-off and {$450.00} past due. 

I contacted XXXX, who advised me that Discover must update their records in order for the changes to reflect on my report. When I contacted Discover, they did not take action to correct or update the inaccurate reporting. 

This account is being inaccurately reported, and I am requesting immediate removal or correction. Ive made multiple good faith attempts to have this resolved directly with the furnisher ( Discover ) and the credit bureau ( XXXX ), with no resolution. This continued inaccurate reporting is harming my credit profile unfairly. 

I am requesting that the CFPB step in to ensure Discover accurately deletes the account in question across all credit bureaus, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, Regions failed to honor a schedule bill payment, despite funds being available in the account. Despite numerous phone calls, they will not contact the account holder to restore access and make the payment. This is urgent because the account holder is in a memory care facility

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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