vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently reported on my credit file. The details of the account in question are as follows : Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Account Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am requesting an immediate investigation into the accuracy and validity of this account. If this account can not be fully verified with documented, legally admissible proof, it must be permanently deleted from my credit file with Experian, XXXX, and XXXX. 

Additionally, under 15 U.S. Code 1681s-2, data furnishers are legally prohibited from reporting inaccurate or unverifiable information. I must emphasize that I never entered into any contractual agreement with the third-party debt collector currently reporting this account. Without my direct consent or a valid, signed contract proving my obligation, they lack the legal authority to furnish this debt to my credit report. 

Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I formally request validation of this debt. If the debt collector or original creditor is unable to produce a legally binding contract bearing my signature, this collection account must be removed immediately. 

As required by the FCRA, you have 30 days to complete your investigation. If this account can not be fully validated within that timeframe, I demand its immediate removal from all three major credit bureaus. 

Should this matter not be resolved appropriately, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of federal consumer protection laws. 

I appreciate your prompt attention to this matter and expect a written confirmation of the accounts deletion within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: IL

Complaint narrative:
Netspend held my only funds for XXXX  days after a declined transaction on XX/XX/XXXX, with no release timeline unless I met vague merchant document demandswhich I provided multiple times, only for them to reject until I threatened legal action with attorney support on or about XX/XX/XXXX. As of submitting this complaint I still have not received my funds for use. As an XXXX food  stamp user in XXXX  with no income until starting work this week, this cost me {$XXXX} : {$XXXX} in late fees ( rent and XXXX bills ), {$XXXX} lost selling XXXX oz of silver bullion at {$XXXX} below spot ( yielding {$XXXX} vs. {$XXXX} market value ), and {$XXXX} in lost income from missed job interviews ( jobs paying $ XXXX $ XXXX, averaging $ XXXX for XXXX hrs/week over XXXX weeks ) due to no travel funds. Their delay risked my eviction and ruinonly after my threat did they admit confusion over rejections. This mirrors their $ XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) for exploiting low-income customers and $ XXXX FTC settlement ( XXXX ) for delaying XXXX XXXX pattern targeting disadvantaged users like me who often lack the knowledge to fight. I request {$XXXX} in monetary relief : {$XXXX} for direct losses, {$XXXX} for severe financial and emotional harm, and {$XXXX} to punish their systemic predation, proven by $ XXXX in prior penalties for similar wrongs. Investigate Netspendmillions of vulnerable customers are at risk from their unchecked actions.

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 2025-03-02 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: NC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days. 

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it otherwise. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, yet my credit report still lists outdated addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.

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 2025-03-02 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX Date of Inquiry XX/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 2025-03-02 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: CT

Complaint narrative:
Hi good evening! XXXX data breach going on with the 3 companies Experian equfax transunion a lot of these late payments and wrong information on my credit report is incorrect and need to be removed 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 2025-03-02 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Data Security Practices for XXXX XXXX XXXX Applications I am writing to formally express my concerns regarding Synchrony Visa credit cards application process, specifically the requirement for customers to upload a copy of their government-issued ID, including both the front and back of the card, as well as the barcode, for verification purposes. 

While I understand the need for verification in financial services, I am extremely concerned about the potential risks to my personal information as a result of this practice. It is deeply troubling that such sensitive data, including a government-issued ID with all the personal information it contains, is being collected and stored without adequate assurance or proof of data deletion once the verification is complete. 

In an era where data breaches and cybercrimes are rampant, this practice raises serious concerns about the safety and protection of customers ' private information. No other credit card provider that I am aware of requires such comprehensive and intrusive documentation, making Synchronys approach especially alarming. The absence of transparent information regarding the protection, handling, and deletion of such sensitive data after the verification process only exacerbates these concerns. 

To ensure that customer data is not unnecessarily jeopardized, I request the following : Clarification on the specific measures in place to protect the data collected during the application process. 
Proof or assurance that all sensitive customer data, including scanned copies of government-issued IDs, is deleted securely after verification. 
A review of your application process with a focus on reducing the exposure of customer data to unnecessary risk. 
I hope you take this matter seriously and take immediate steps to address these concerns, ensuring the safety of your customers ' personal information. 

Thank you for your prompt attention to this issue. I look forward to your response.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Self Financial Inc.
State: GA

Complaint narrative:
Company refuses to uphold the credit laws ( fdcpa ) constantly harassing me. Refusing to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I lost my job find new job move on other city didnt receive my bills and credit card company false report late payment I paid on time always and paid off balance

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 2025-03-02 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: CA

Complaint narrative:
Im reviewing my credit report and I see XXXX unauthorized hard inquiries thats fraudulent and I want it to be disputed and removed from my account. 
Inquiry details XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding an account that is being reported by XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  Account and Southwest Credit Systems LP . I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the account be investigated and removed from my credit report with all three major credit bureaus. Background The account in question, which is listed as Charged-Off on my credit report, shows a balance of {$26000.00}, with a written-off amount of {$29000.00}. The last status update on this account was recorded in XX/XX/2023. However, I did not sign any contract or agreement with any related entity, including XXXX Account and Southwest Credit Systems LP, and I have not authorized any of these entities to report an account in my name. Furthermore, I requested the full account number from XXXX XXXX XXXX, but I have not received a response or any verification of the account. Legal Violations I believe my rights have been violated under the Fair Credit Reporting Act, as outlined below : 1. 15 U.S.C. 1681, Section 602 ( A ) - Right to Privacy : Under this section, I have the right to privacy regarding my personal financial information. I did not provide authorization for the reporting of this account, and my privacy rights have been violated by the reporting entities. 2. 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) - Written Authorization : This section explicitly states that a consumer reporting agency can not furnish a consumers account information without their written instructions. I did not provide written consent to any of the parties involved ( XXXX XXXX XXXX, XXXX Account, or Southwest Credit Systems LP ) for the furnishing of this account, nor did I sign any contract with these agencies or companies. Request for Resolution As I did not sign any contract with any of the collection agencies involved, and I did not authorize the reporting of this account, I am requesting the following actions : 1. Immediate removal of the reported account from my credit files with all three credit bureaus ( XXXX, XXXX, and XXXX ). 2. A full investigation into this matter by your office to ensure compliance with the Fair Credit Reporting Act and the removal of any inaccurate or unauthorized reporting. 3. A written response confirming the resolution of this issue. I respectfully request that this account be removed from all XXXX major credit reporting agencies, as this account has violated my rights! Please let me know if any additional information or documentation is required to assist with the investigation. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX dispute I'm writing to dispute the inaccurate information reported about me under the following recent Experian Data Breach. Recently, I received a notice regarding a security incident that may have exposed my personal information. I take my protection of my data seriously and I would have reviewed the information provided. Unfortunately, I've discovered the following errors. 

My information being sold on the black web of XX/XX/year> Also new medical charges and charges that I have not been aware of through other creditors that are not me

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 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
This was the response from Robinhood : Hi XXXX, Upon reviewing your case, the transfer was sent to our custodial platform 's hot wallet address instead of your personal crypto wallet since they didn't include the memo when they return your XXXX coin. 

Unfortunately, due to the nature of blockchain transactions, once a transfer has been initiated, it can not be reversed or intercepted. As a custodial platform, we operate within the confines of blockchain technology, which means transactions are irreversible by design. 

When transfers are mistakenly sent to addresses not associated with a personal account, such as our hot wallet address, it becomes extremely challenging for us to retrieve or redirect those funds. Custodial platforms commonly face limitations in recovering improperly transferred coins due to the decentralized and irreversible nature of blockchain transactions. 

While we can not reverse the transfer or recover the coins sent to the incorrect address, I want to assure you that our team is here to help. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a application update from XXXX  XXXX XXXX I applied for a credit card just to see if I would even get approved so I can make my credit higher and I was denied for current or past delinquency, derogatory public record, and / or collection accounts I want to find out more about this I don't know why what is this for is this why my credit score is low where can I dispute it if I can or find out if I actually did this

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-02 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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