vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian did not allow me to get past the recorded response on its telephone line, so I could not request any information. 

I called XXXX XXXX XXXX XX/XX/year> at XXXX, the recording would not allow an option for me to temporarily lift my security freeze. The recording said the 1st time that it would permanently lift my security freeze. When I refused to confirm that mistake, the recording hung up. I called again shortly after that and the recording continued to claim it could not understand my saying 'temporary unfreeze ', then the recording hung up. 

I tried at XXXX to order my credit report anyway, because Experian has in the past allowed a temporary lift of my credit freeze while at the same time saying it has denied that. Experian refused this time to provide my annual credit report, without specifying why. 

I tried again today XX/XX/year> at XXXX XXXX XXXX XXXX XXXX temporarily lift the credit freeze using the same phone number, XXXX XXXX XXXX. I kept saying " Consumer Finance Protection Board if you do not temporarily lift the freeze ''. This time the recording confirmed I was asking for a temporary suspension of my credit freeze, but said that my only two options were 1 ) applying for a temporary lift of the freeze by mail 2 ) going online at experian.com to request the temporary lift. Mail is too slow for any freeze lift to matter and Experian already has too much data harvested from consumers without their consent. Forcing consumers to give Experian still more ongoing data via their insecure, many times breached on line data base is not a valid option. 

Experian must allow consumers to temporarily lift credit freezes using a readily available telephone number and must process consumers ' requests for this in a straightforward manner, allowing calls to go directly to this option and proceed in a way that is fast and easy for consumers to use. Experian must stop using a robotic telephone system that refuses to give consumers the option to temporarily lift a credit freeze using the telephone. 

After Experian refused to lift my credit freeze and then denied me my legal copy of my annual credit report via annualcreditreport.com, my application to a credit card company was denied. The credit card company did not give a reason for this denial but said it would mail that information, ensuring that if it even arrives at my home, that date will be far in the future.

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 2025-03-18 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: MI

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding an issue with my credit report, specifically involving the deletion of an erroneous collection account by XXXX of the credit bureaus. 


Credit Bureau Involved : Equifax, and TransUnion Collection Account in Question : XXXX XXXX I recently discovered that a collection account was deleted from my credit report by XXXX after I disputed it. This deletion was made without proper notification or resolution of the dispute process. The collection account in question was not accurately reported, and I believe it was an error. 

As I have not received any notification from the credit bureau about the deletion of the account or the steps taken to validate the debt, I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I would like to request an investigation into this matter and clarification on why this deletion occurred without proper notice or resolution. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your assistance in resolving this matter.

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 2025-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Robinhood regarding the sudden and unjustified restriction of my brokerage account. I have been an active trader on their platform for the past four years, making trades consistentlysometimes a few per week. However, without any prior warning or explanation, Robinhood suddenly restricted my account, preventing me from executing trades or selling my positions.

As a result of this restriction, I have suffered financial losses due to my inability to manage my investments. I promptly reached out to Robinhoods support team via email and phone, provided any necessary documentation, and followed up multiple times, yet I have received no meaningful response or resolution. The lack of communication and transparency has been extremely frustrating and has severely impacted my ability to access my funds.

I request that the CFPB investigate this matter and urge Robinhood to provide a clear explanation for the account restriction, restore my access, and compensate for any financial harm caused by their actions. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-03-19 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: WA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

8. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby demand an investigation into these disputed items and their removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that the creditor fails to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the law, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has accessed my credit report in the past six months of any necessary corrections.

Thank you for your attention and assistance in addressing this matter.

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 2025-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries that l did not authorize. I did not apply for credit with these companies, nor did I give permission for them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries that l did not authorize. I did not apply for credit with these companies, nor did I give permission for them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my 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 explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
XXXX  account XXXX, XXXXXXXX XXXX account XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX account XXXX, XXXX account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate

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 2025-03-19 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: GA

Complaint narrative:
XXXX  account XXXX, XXXXXXXX XXXX account XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX account XXXX, XXXX account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report regarding my account with Mohela Student Loans. Specifically, the past due balance and monthly payment amounts are incorrect. My monthly payment is {$210.00}, yet my credit report reflects 90 days past due balance of {$13000.00}, which I believe is inaccurate or misreported. 
I have made several attempts to resolve this issue by contacting the creditor directly, but I have been unable to speak with a live representative. I have requested a call three times but have only received one call, which I unfortunately missed due to work obligations. Additionally, on XXXX XXXX XXXX, I was on hold for over five hours despite the estimated wait time being only three hours. I have also sent a message through their online system and am still awaiting a response. I wasn't notified that that the account was past due, it was my understanding that the account was deferred due to enrollment in school, I will continue to attempt come to a resolution. My XXXX XXXX dropped XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$3000.00}, XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$1900.00}, XXXX, XXXX & XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX {$370.00}, XXXX XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  date XXXX XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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