vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: GA

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 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 2025-03-20 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXXXXXX - Balance : {$480.00} - Account # : XXXX XXXX  XXXX - Balance : {$3200.00} - Account # : XXXX XXXX XXXX XXXX  XXXX - Balance : {$460.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXXXXXX - Balance : {$480.00} - Account # : XXXX XXXX  XXXX - Balance : {$3200.00} - Account # : XXXX XXXX XXXX XXXX  XXXX - Balance : {$460.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I am reaching out regarding a restriction placed on my account due to a recent XXXX purchase. I want to confirm that this transaction was authorized by me, and I kindly request that the restriction be lifted so I can regain full access to my account. 

Please let me know if any further verification is required from my end to resolve this matter. I appreciate your prompt attention to this issue and look forward to your response. 
I bought {$620.00} worth of XXXX  XX/XX/year> and as soon as I bought it my account gets restricted Ive looked up on XXXX to see if any others had this issue and theyve all said the same thing countless emails no Robinhood response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

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

Company 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I went to one of its branches XX/XX/XXXX and found that Huntington bank ( XXXX XXXX XXXX ) charged me " dormant account fee '' of {$5.00} on XX/XX/XXXX, {$5.00} on XX/XX/XXXX, {$0.00} on XX/XX/XXXX and closed my account XXXX. The bank never informed me about dormant account or dormant account fee. I received nothing about them. I was/is a customer of multiple banks and never experienced this kind of thing. I request the bank refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I received an letter from XXXX, operated by Citi bank, that a card was opened under my information on XX/XX/XXXX. When I received the letter I called and reported it as fraudulent on XX/XX/XXXX. I froze my identity through XXXX on XX/XX/XXXX. I then received a notice stated that they are holding me accountable for this and that it was not fraudulent. I am unaware of the balance, I have not created an online account associating myself to this card since I did not open this account. I also had an XXXX account opened on this same day and went through this process, I have not heard back from them yet. I sent a certified letter to request proof, on XX/XX/XXXX with delivery on XX/XX/XXXX, and have not heard back from them. My credit score has dropped because of this and the constant harassments of calls, emails and letters is affecting my mental health and wellbeing. The XXXX card opened does not even have my name spelled correctly. I was on an airplane the day the card was opened. I need support on how to move forward to get this removed.

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma money spend account company randomly closed my account without any warnings or reasoning. My account was locked with all my funds. I expressed the need for access to my funds and the fact that all my money was deposited into that account. I dont have any money and everything was in that account that I use to take care of my children, pay bills and survive. I was transferred back and forth between departments with no solution. They refused to get a manager on the phone, claimed there was no way to file a complaint, claimed there was nothing that can be done to assist me or anything. They were very uncooperative. They locked all my money and I have absolutely nothing and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AZ

Complaint narrative:
These accounts were fraudulently opened using my personal information without my knowledge or authorization. As a consumer, I have the legal right to demand that these accounts be permanently removed from my credit file. 

I DEMAND the following actions be taken immediately : DELETE these fraudulent accounts from my credit report.

BLOCK these accounts under FCRA 605B to ensure they do not reappear.

PROVIDE WRITTEN CONFIRMATION that these accounts have been removed. 
SEND AN UPDATED COPY OF MY CREDIT REPORT reflecting these deletions. 

Enclosed, I have included the following supporting documentation : A copy of my identity theft report filed with law enforcement. 
A copy of my government-issued ID to verify my identity. 
A copy of my credit report with the fraudulent accounts highlighted.

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I open credit cards and then I dont respect any too much fees. They charge different amount each month they say anything in the base or days in a month I never heard that and then I called them they take too much money for me and force me to pay the interest charge they say they going to be more more interest charge in late fee. If I dont pay this is no right to customer to account by day thats not making sense to me I just. Figured out and I feeling is lying on customer. This is capital one company is head of all never ever. Im going to open account with them cheaters and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I DEMAND for the IMMEDIATE DELETION of any unlawfully reported collection account from my credit report. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Furnishers of information are prohibited from reporting any inaccurate or unverified account. XXXX ACCOUNT XXXX, This account is ERRONEOUS, UNVERIFIED, AND DOES NOT BELONG TO ME. reporting this information is ILLEGAL and has caused UNJUST DAMAGE TO MY CREDIT PROFILE. I DEMAND DELETION OR I WILL BE FORMALLY COMPLAINING TO MY STATES ATTORNEY GENERAL OFFICE. You have 15 days to provide written confirmation that this account has been permanently removed. Failure to comply will result in further legal action without additional notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In XXXX and XXXX, I attempted to purchase XXXX XXXX XXXX XXXX  tickets from two sellers who appeared legitimate, communicating with me via [ platform, e.g., XXXX XXXX ]. Before I sent the money, the seller provided me with what appeared to be legitimate confirmation emails, order numbers, and transfer details, all of which I later discovered were photoshopped and completely fake. 

Believing the transaction to be valid, I sent two payments via XXXX Cash through my Golden 1 Credit Union account : {$770.00} on XX/XX/year> {$400.00} on XX/XX/year> ( split into {$350.00} and {$50.00} transactions ) Shortly after payment, the seller became unresponsive. When I contacted the ticketing service, I was informed that the ticket transfer never existed. I had been deceived and scammed. 

I immediately reported the fraud to XXXX, Golden 1 Credit Union, and the Federal Trade Commission ( FTC ) and filed dispute cases with Golden 1. However, my claims were denied on the basis that I initiated the transactions ignoring the fact that I was tricked into sending money under fraudulent pretenses. 

I later escalated my concerns to a Golden 1 branch, but the manager stated they could not assist further because it was handled by another department. Their reasoning for denying my dispute was inconsistent with standard fraud protection policies. Had someone stolen my account details and made these payments, Golden 1 would have responded differently. However, because I was misled into sending the money, my dispute was dismissed despite this being a clear case of fraud.

I am requesting that Golden 1 properly investigates this claim and reverses the transactions. I am attaching all supporting documentation, including my denied dispute claims, appeal letter, communication with the scammer, and evidence of the fraudulent emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Vehicle was a lemon and returned. The down payment paid by debit card has yet to be refunded. They stated since the down payment could not be put back in the account they would mail a live check. It has been 7 days and they have not even printed the check let alone mailed it. {$2600.00} is a lot of money to be refused for weeks. Had I told the dealership 7-10 days then I wouldn't have been able to purchase the vehicle. Why do they get to keep my money, drawing interest off funds that do not belong to them? That's legal theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never had an account with XXXX XXXX XXXX. In researching I found XXXX is a debt buying collection agency. XXXX has never provided me any information that this account is Valid. I have never provided with Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt, my signature agreeing to pay or any other proof that I'm legally responsible for this account. On XX/XX/year>, I filed dispute with all Experian and Transunion and requested investigation of the account in question and asked for proof of method used to validate. Experian and Transunion have failed to verify the information properly as they have responded with generic " VERIFIED '' statement on my credit report without explaining their investigation process or correcting the errors. XXXX has violated my rights under 15 USC XXXX and Experian and Transunion has violated my rights under 15 USC XXXXi . I am asking from XXXX, EXPERIAN, and TRANSUNION the following actions through this CFPB complaint. XXXX. Conduct a proper and thorough investigation into this disputed account. XXXX. Provide me with a detailed explanation of the steps used to verify or correct the information. XXXX. Remove any inaccurate or unverifiable information from my credit report 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 non-monetary relief
Consumer complaint received 2025-03-20 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: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I have never had an account with Oliphant USA LLC. In researching I found Oliphant is a debt buying collection agency. Oliphant has never provided me any information that this account is Valid. I have never provided with Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt, my signature agreeing to pay or any other proof that I'm legally responsible for this account. On XX/XX/year>, I filed dispute with all XXXX and XXXX and requested investigation of the account in question and asked for proof of method used to validate. XXXX and XXXX have failed to verify the information properly as they have responded with generic " VERIFIED '' statement on my credit report without explaining their investigation process or correcting the errors. Oliphant has violated my rights under XXXX XXXX XXXX and XXXX and XXXX has XXXX my rights under XXXX XXXX XXXX XXXX I am asking from Oliphant, XXXX, and XXXX the following actions through this CFPB complaint. XXXX. Conduct a proper and thorough investigation into this disputed account. XXXX. Provide me with a detailed explanation of the steps used to verify or correct the information. XXXX. Remove any inaccurate or unverifiable information from my credit report immediately.

Company response to consumer: Closed with explanation