vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
b"My account was hacked and 3 transactions were commited and I did not complete them. There were 2 for XXXX to a person with my last name XXXX  and I have no idea who she is. They were sent to her XXXX XXXX XXXX XXXX they should have her photo ID, her address, her email, her address and her phone number. The other transaction was done by a debit card which was not mine. Someone must have hacked my account to add a debit or credit card. My first dispute was denied because the said the transactions were completed on my device. That is absolutely false. I have had my device in my possession at all times and none of these transactions were completed by me. I have asked them how they determined that these transactions were made from my device and they can't answer. The XXXX XXXX XXXX XXXX and my account is with Cash App. My Cash XXXX XXXX XXXX My email is XXXX and my phone number is XXXX XXXX XXXX My phone is not working now but I can get emails and texts. I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now I have no money at all. I need this fixed now. How can they come to the conclusion that my device made the transactions when it is completely false. Please get this fixed. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I sent a dispute letter and a copy of my current drivers license as well as a copy of proof of my current address on XX/XX/year> via certified mail. To which I never got a response back I have also promptly sent a second letter asking for corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX account was restricted and I am unable to withdraw my funds because I initiated a funds transfer from my other brokerage account. They say it is because of suspicious activity and and no further explanations. I just want to withdraw all my funds from my account and not have to deal with XXXX anymore. But my account is restricted for no reason and I am unable to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy of the charge-off reporting on my account with XXXX, account number XXXX, as reported on my credit file. 
According to my records, this account was listed as 30 days late in XX/XX/year> and then prematurely charged off in XX/XX/year>. This timeline clearly violates industry standards and federal guidelines, including those established by the Office of the Comptroller of the Currency, which require charge-offs for revolving credit accounts to occur no earlier than 180 days past due. 
By reporting a charge-off only 30 days after delinquency, XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ), which mandates accurate and fair reporting of consumer information. This premature charge-off has negatively impacted my creditworthiness and constitutes both inaccurate and unfair credit reporting. 
I am demanding that you immediately delete this tradeline from all consumer reporting agencies to remedy this violation. 
If you deny this request, I am prepared to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating binding arbitration pursuant to your agreement with me. If you reject this dispute for any reason, I hereby request that you send me a payment coupon for the arbitration fee through the XXXX XXXX XXXX XXXX XXXX ) so I may proceed with my claim. 
This is your opportunity to resolve the matter amicably and without further dispute. Please respond within XXXX days of receipt of this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy of the charge-off reporting on my account with XXXX, account number XXXX, as reported on my credit file. 
According to my records, this account was listed as 30 days late in XX/XX/year> and then prematurely charged off in XX/XX/year>. This timeline clearly violates industry standards and federal guidelines, including those established by the Office of the Comptroller of the Currency, which require charge-offs for revolving credit accounts to occur no earlier than 180 days past due. 
By reporting a charge-off only 30 days after delinquency, XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ), which mandates accurate and fair reporting of consumer information. This premature charge-off has negatively impacted my creditworthiness and constitutes both inaccurate and unfair credit reporting. 
I am demanding that you immediately delete this tradeline from all consumer reporting agencies to remedy this violation. 
If you deny this request, I am prepared to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating binding arbitration pursuant to your agreement with me. If you reject this dispute for any reason, I hereby request that you send me a payment coupon for the arbitration fee through the XXXX XXXX XXXX XXXX XXXX ) so I may proceed with my claim. 
This is your opportunity to resolve the matter amicably and without further dispute. Please respond within XXXX days of receipt of this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
b'Harris & Harris LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed on XXXX XXXX XXXX against me a credit report without my consent, violating my rights in unlawful communication according to Law 15.US.C.1962(C) I am asking that this be removed off my credit immediately or send me the flow agreement, transfer assignment bill of sale, or the original contract. Thank you, I would like this removed from my credit report from all 3 credit bureaus'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 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: Experian Information Solutions Inc.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-05-19 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2016 and XXXX XXXX XX/XX/2016 I see Equifax is reporting these accounts that arent accurate from XXXX  8 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One credit card was opened without my knowledge or consent using an old address and unknown phone number. One charge was made in the amount of {$4900.00} in XX/XX/year>. Account was sent to collections, at which point I was made aware of the accounts existence. I have been in contact with capital one and associated collections agencies to dispute the charge. Also I have obtained a lawyer to help resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) continues to report a {$5700.00} charged-off account on my credit reports. When I requested a 1099-C, GLS denied it, saying the account was not closed. However, all three bureausXXXX XXXX XXXX XXXXXXXXnow report the account as closed ( as of XXXXXXXX XXXX XXXX 

GLS even stated in writing on XX/XX/scrub>XXXX XXXX XXXX We consider this matter closed. Despite that, they continue to report it as a charge-off and have not issued a 1099-C. 

I have attached proof that : The account is now officially closed across all bureaus GLS previously refused to issue a 1099-C The balance and reporting are still hurting my credit This is not a duplicate complaint. I am requesting that this account either be deleted or reported accurately with a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Hatfield, Inc.
State: AZ

Complaint narrative:
While reviewing my credit report I am seeing a credit card from a company that I never did business with and they opened up an account using my information. I never received the card from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a business account on XXXX XX/XX/year>. However, Im unable to access it online. When I try to enroll, the system indicates that I already have a login and password. But when I use those credentials, I receive an error message. I seem to be stuck in an endless loop and would appreciate assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 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: FL

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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