vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This is a formal demand for the permanent removal and blocking of all information on my consumer report related to fraudulent accounts listed by XXXX  XXXX XXXX and XXXX XXXX  ( formerly XXXX & XXXX ) pursuant to the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ].

I previously submitted a complete and valid FTC Identity Theft Report, which you acknowledged receiving. As of this correspondence dated XX/XX/year>, I am also providing the official police report signed by law enforcement as required. This report fully supports my claim of identity theft and satisfies the conditions you cited in your prior response. 

Under the law, a properly executed Identity Theft Report is sufficient to trigger your obligation to block fraudulent tradelines. Your previous assertion that it required a law enforcement officers signature or additional documentation has now been fully met and surpassed. 

Additionally, the XXXX XXXX XXXX XXXX communication previously provided further demonstrates that I initiated contact with the appropriate authorities. Under FCRA 611 [ 15 U.S.C. 1681i ], this must be reasonably considered during reinvestigation.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have a Robinhood stock account. They declined and restricted my account when I withdrew my money on XX/XX/year>. Then they need some documents to review my account and will notify to me by XX/XX/XXXX. I upload the documents right away. And then they postponed it to XX/XX/XXXX, and now they have postponed it again to XX/XX/XXXX. I have heard they take forever to review the account and none of us in my situation have got our money back. The way to get money back is to filed a complaint. I need to get my money. Thank you so much for your patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified email with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting, Unauthorized Account Activity, Unexplained Inflated Balance, and Misdirected New Credit Card - Account Ending in XXXX Dear XXXX Credit Card Account Services, This letter serves as a formal and urgent dispute regarding the numerous inaccurate and misleading credit reporting practices and unauthorized activities associated with my XXXX Credit Card account ending in XXXX which your records indicate was permanently closed on XX/XX/XXXX. This follows up on my complaint submitted to the Consumer Financial Protection Bureau ( CFPB ), Complaint # XXXX, and your subsequent response dated XX/XX/XXXX. 
Your reporting and management of this account contain a multitude of significant errors and inconsistencies that constitute severe violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, you are failing to maintain reasonable procedures to assure maximum possible accuracy of information ( 15 U.S.C. 1681e ( b ) ) and are furnishing inaccurate information to consumer reporting agencies ( 15 U.S.C. 1681s-2 ). Furthermore, your actions raise serious concerns under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear and accurate disclosure of credit terms and responsible account management. 
The most egregious inaccuracies include the unauthorized credit limit increase to {$2900.00} on or around XX/XX/XXXX, and the continued reporting of late payments on a closed account. I unequivocally state that I never requested, authorized, nor consented to this credit limit increase. This action on a supposedly closed account is inexplicable and improper. 
Furthermore, despite repeated inquiries, XXXX has failed to provide any legitimate explanation or documentation justifying the significant increase in my account balance, which reached approximately {$2800.00} far exceeding my original authorized credit limit of {$1500.00}. This unexplained and unsubstantiated balance, coupled with the fact that XXXX sent a new credit card to my previous address despite me having updated my address of record, strongly suggests unauthorized activity. I never received this new card, and it is highly probable that its misuse is the source of these unfamiliar charges. 
The continued reporting of late payments on a closed account with an inaccurately inflated balance resulting from unauthorized actions and unexplained charges is a blatant violation of the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NE

Complaint narrative:
I asked them to close the account over a week ago because I havent used it in over 6 months. I deposited money from one of my accounts to my checking and it instantly transferred to credit builder even though I have split pay 100 % to debit account and safe credit builder off. Refuse to credit or reverse transaction. After these cases settle I will no longer be doing business with chime. Never ever ever ever ever ever again. Not in this lifetime or the next Id rather take a toaster bath.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax or XXXX, one of the credit people have my birthday wrong and its been messing with my credit and ability to get my credit score built. Ive been trying for 3 years now to get someone to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

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 XXXX XXXX. 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 explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$5200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$310.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am responding to your recent collection attempt regarding the above-referenced account. I dispute the validity of this alleged debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

1. Time-Barred Debt According to your own records and mine, the date of last activity on this account was XX/XX/XXXX. Florida 's statute of limitations on written contracts is five ( 5 ) years per Florida Statutes 95.11 ( 2 ) ( b ). Therefore, this debt became unenforceable on or around XX/XX/XXXX. 

Any attempt to collect, sue, or threaten legal action on a time-barred debt may constitute a violation of 15 U.S.C. 1692e and 1692f. Representing that this debt is still enforceable is deceptive and misleading. 

2. Debt Validation and Documentation Request In accordance with 15 U.S.C. 1692g and relevant case law, I formally request the following documentation : Validation of the debt, including a complete itemization of the amount claimed A copy of the original signed contract or agreement allegedly creating the debt The Forward Flow Agreement between your company and the original creditor or debt seller The complete and unbroken Chain of Assignment and title of ownership, showing your legal right to collect The date and amount of the last payment or transaction on the account You must cease all collection activity until you have furnished this documentation. 

3. State Licensing Please also provide proof that Transworld Systems Inc. is properly licensed and registered to collect debts in the State of Florida, in compliance with Florida Statute 559.553, which mandates registration of out-of-state debt collectors. Failure to register renders collection activities in Florida unlawful and subject to civil penalties. 

4. Credit Reporting Notice Should you report or continue to report this account to any consumer reporting agency, you must : Accurately reflect the original date of delinquency and date of last activity Not engage in re-aging the account, which would violate 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ) of the FCRA Include a notice of dispute as required under 15 U.S.C. 1681i 5. Cease and Desist I hereby revoke any consent to be contacted by phone, email, or text message. All future communication must be in writing. Any further contact outside of these terms will be considered harassment under 15 U.S.C. 1692d.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Prog Holdings, Inc.
State: OR

Complaint narrative:
I made an installment purchase using Four from XXXX on XX/XX/year>. This order was supposed to be a pair of rocky tactical boots but they were knockoffs so i sent them back. Four has their return process set up so you have no choice but to continue making payments on items you sent back until the return is completed, which in my case was on XX/XX/year>, over a month later. While charging me for the payments, I also accumulated XXXX dollars in late fees, its still trying to collect XXXX dollars on that order and wont let me close my account because of this. Also when I try closing my account I get a threatening message about how canceling my subscription will create undesirable surprises to my account should I decide I want to come back. They control through fear and intimidation, and the trap you with their threats, unresponsiveness and fraudulent late fees. Im still owed XXXX from the returned boots, four refunded 3 of the four payments but kept one of them. This service charges users XXXX a month to have access to the most commonly shoppped at stores. It will say your spending limit is XXXX dollars, until you pay for the membership and start looking at stores. XXXX, XXXX, etc every single store I tried my XXXX dollar spending limit turned into XXXX dollars of buying power and that was the max I was allowed to spend. On top of all this there a XXXX finance charge on every single payment made. So thats XXXX extra dollars they feel entitled to, plus the XXXX and this is all in addition to their junk fees and withholding refund payments.

Company response to consumer: Closed with explanation