vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: Self Financial Inc.
State: NY

Complaint narrative:
Date : XX/XX/XXXX Filed via CFPB XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : CFPB Complaint Furnishers Failure XXXX  Investigate XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account : Lead Bank c/o Self Financial ( Acct # XXXX ) Dear CFPB XXXX : I am filing this formal complaint against Lead Bank XXXX XXXX Financial ( Self Financial ) for repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), XXXX  other consumer-protection statutes. Despite multiple certifiedmail disputes ( most recently XX/XX/XXXX ) XXXX  a prior CFPB complaint ( ID # XXXX ), XXXX XXXX continues XXXX report inaccurate, confusing, XXXX unverifiable information on my credit file XXXX has failed XXXX conduct any legitimate reinvestigation. 

Key Issues : Misidentification of Consumer Self Financials response misnames me as XXXX XXXX rather than XXXX XXXX XXXX, creating confusion over who must respond XXXX this alleged debt. 

XXXX XXXX XXXX I have received multiple company emails XXXX  account alerts acknowledging fraudulent transactions on this account, yet XXXX XXXX never halted reporting or launched a fraud investigation. 

Charge-back vs. Charge-off Confusion Account history reflects both charge-backs XXXX write-offs/charge-offs at different times, with no clear documentation of which action was taken or justification for each. 

Failure XXXX XXXX XXXX XXXX XXXX. XXXX, furnishers must conduct a reasonable reinvestigation of disputed data. XXXX XXXX has not provided any proof of investigation steps, results, or consumer-notification letters. 

Requested CFPB Action : Open an investigation into XXXX XXXX policies XXXX practices for handling disputes XXXX fraud alerts. 

Enforce corrective actions XXXX ensure XXXX XXXX conducts proper reinvestigations XXXX  accurately updates all XXXX XXXX Agencies ( CRAs ). 

Require XXXX XXXX XXXX provide me, within XXXX  days, documented evidence of any investigation XXXX confirmation of removal or correction of all inaccurate tradelines. 

Thank you for your prompt attention. Please send any correspondence regarding this complaint to my address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
This is my second formal notice demanding that you take immediate action to remove all fraudulent accounts and unauthorized hard inquiries from my credit report pursuant to the Fair Credit Reporting Act ( XXXX  ) Section XXXX and Section XXXX, which provide protection for victims of identity theft and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$16000.00}, XXXX XXXX XXXX balance {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$16000.00}, XXXX XXXX XXXX balance {$1700.00}

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 explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX I am writing to formally dispute the fraudulent accounts currently reported on my credit file. These accounts are not authorized by me, nor do they reflect any legitimate transactions I have made. I demand the immediate removal of all such fraudulent accounts from my credit report within four ( 4 ) business days, in compliance with applicable federal law.

I am demanding the immediate removal of all fraudulent accounts reported under my name. The unauthorized use of my personal data, without my consent, constitutes identity theft under 15 U.S.C. 1681c-2.

I do not recognize any of these accounts as valid transactions and consider them a direct result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-08 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: IN

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX * Balance : {$5900.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX * Balance : {$5900.00} XXXX XXXX XXXXXX/XX/year>

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 2025-05-08 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
In 2017, I attempted to send {$1000.00} to a cousin who was experiencing financial difficulties. This was only my second time using MoneyGram. Shortly after initiating the transfer, my ability to send or receive money via MoneyGram was blocked. The message displayed stated : For security reasons, you can't make a transfer using MoneyGram online, by phone, or by visiting a branch. 

Since then, I have made several attempts to contact MoneyGram 's customer service and compliance team to understand the reason for the restriction and to request a review. I was told that the block was triggered by their internal systems and that no further details could be provided. Their recent response offered no specific reason, no appeal process, and advised me to stop attempting any transactions. 

I have never engaged in any fraudulent, suspicious, or unlawful activity. This was a legitimate transaction to assist a family member in need. I believe the restriction may have resulted from an automated error or misclassification. 

I am requesting that MoneyGram : Provide a specific reason for the restriction Offer a process to appeal or review the decision The lack of transparency and refusal to offer due process raises serious concerns about consumer protection and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For the past few years, I have been in/out of XXXX XXXX XXXX XXXX XXXX XXXX. I have been XXXX, XXXX XXXX, XXXX, and XXXX. I have not been able to keep steady employment or housing. I am now at a place to where I am trying to get my life together and really have something for myself and my daughter. As of XX/XX/year> I have been able to get a place to stay and work a steady job with the help of XXXX  and XXXX. I have been going over my credit reports and I see a lot of accounts and inquiries that I have not made. I honestly have no knowledge of these accounts. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the past few years, I have been in/out of XXXX XXXX XXXX XXXX XXXX XXXX. I have been XXXX, XXXX XXXX, XXXX, and XXXX. I have not been able to keep steady employment or housing. I am now at a place to where I am trying to get my life together and really have something for myself and my daughter. As of XX/XX/year> I have been able to get a place to stay and work a steady job with the help of XXXX  and XXXX. I have been going over my credit reports and I see a lot of accounts and inquiries that I have not made. I honestly have no knowledge of these accounts. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-08 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: CO

Complaint narrative:
I strongly urge you XXXX  correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, XXXX this error must be rectified immediately.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Subject : Robinhood Account Restriction and Withheld Funds Without Explanation To Whom It May Concern, I am submitting this complaint regarding the mishandling of my Robinhood account, lack of transparency, and failure to return my funds in a timely and lawful manner. 

Issue Summary : On XX/XX/2025, I initiated a {$2000.00} withdrawal from my Robinhood account. Immediately afterward, my account was restricted without explanation. I contacted Robinhood support the same day. They claimed to have no information about the restriction. I requested to speak with a supervisor and was told I would receive a callback within 24 hours, which never occurred. 

Subsequently, I received an in-app request for more information. I complied with their request and later had a phone call where I verified every login I had ever made. Then my account was placed under review again. On XX/XX/, they asked for documents related to a recently opened bank account that had no generated statements yet. I explained this and, per Robinhoods instructions, I provided the documents I received when opening the account. 

Robinhood later stated in the app that they were closing my account based on the information submitted on XX/XX/XXXX. Since then, they have completely blocked my ability to contact them via phone. Although I managed to reach them briefly, every time I call, they verify my account, put me on hold, then refuse to talk further, stating I will receive an emailand then abruptly end the call. 

I have received the same generic email repeatedly saying : " At this time, we can no longer maintain your Robinhood account. This determination is based on the review of your account including any documents you may have provided as of XX/XX/2025... It may take up to 15 business days to complete this process ... '' same reply for all the emails I sent them, no matter what my question is. 

Today is XX/XX/2025, and more than 15 business days have passed since XX/XX/XXXX. I have not received any clear explanation, nor have I received my funds. I am completely locked out of support, and Robinhood continues to charge me a subscription fee despite my account being restricted and inaccessible. They are withholding my funds while still collecting payments, which feels deceptive and exploitative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-08 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtaint credit.these accounts i didn't recognize them I didn't authorize them they're being report by a third party i want them to be remove

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 2025-05-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-05-08 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: CO

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal XXXX an update XXXX my account XXXX reflect the correct information.

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 2025-05-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief