vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
I have identified inaccuracies on my credit reports from XXXX, Equifax, and XXXX regarding the following issues : Unauthorized Inquiries Late Payments Collection Charge-Off Account Despite my efforts, these inaccuracies remain uncorrected, which is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have identified inaccuracies on my credit reports from XXXX, XXXX, and Experian regarding the following issues : Unauthorized Inquiries Late Payments Collection Charge-Off Account Despite my efforts, these inaccuracies remain uncorrected, which is negatively impacting my credit score.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2025-01-11 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 : 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 These are all FRAUDULENT ACCOUNTS due to the Data Breach and Dark Web where my information was exposed. 
According to Section 605B of the Fair Credit Reporting Act. It gives the consumer the right to request that the Credit reporting agencies ( CRA ) to block the reporting of information that was a result of identity theft. And all These Accounts should be blocked from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hard inquiries collection with I have attached the Us codes and do to the data breach. And anything I ask them to do under the law FCRA they always come back with a lie. I will attach everything later what is the FRCA if it dont work most of these creditors the sold my information to I never sign anything to give them the wright to share and put things on my credit report. I look forward to working with you guys to look over on my behalf

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 2025-01-11 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: GA

Complaint narrative:
On XX/XX/XXXX a new collection account was placed on my credit report by a company called XXXX and XXXX account number XXXX as a medical debt. I asked all three bureaus to investigate as I have never had an account with the company listed. All three came back and just stated verified without giving me any details as to how they verified the debt, who they spoke to and how they know the debt is mine. I need this inaccurate information removed from my credit report as soon as possible.

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 2025-01-11 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:
On XX/XX/XXXX a new collection account was placed on my credit report by a company called XXXX and XXXX account number XXXX as a medical debt. I asked all three bureaus to investigate as I have never had an account with the company listed. All three came back and just stated verified without giving me any details as to how they verified the debt, who they spoke to and how they know the debt is mine. I need this inaccurate information removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am extremely dissatisfied with the incorrect handling of my trip delay reimbursement claim by XX/XX/XXXXXXXX and Underwriter for my Chase credit card benefits. I opened Claim XXXX on XX/XX/XXXX, and they inaccurately determined that I did not meet the benefit requirements when I clearly did. I submitted evidence to appeal this decision on XX/XX/XXXX and reached out to them through email, regular mail, phone, and their website contact form. It has been 4 weeks and I still have not heard a response.

Their decision was incorrect, and the language in the benefit terms is clear and unambiguous. Either this was a mistake, or it reflects a troubling pattern of intentional claim denials. Both scenarios are unacceptable and raise serious concerns about XXXXXXXX XXXX practices in administering benefits. I am requesting immediate intervention to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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: CO

Complaint narrative:
Please see attached Letters and Ftc Report as the accounts on the list are all result of Data Breach Please removed those inaacurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On or about XX/XX/XXXX my Robinhood account was restricted. The day prior I had withdrawn funds and transferred to my bank account. Which I only did small amounts in the past not that this one was huge. Funny that when I spend money on robinhood it's a no issue. But when withdraw they restricted me.

They asked me to submit an ID, selfie, and bank statement. Which i did and they originally gave me a date of XX/XX/XXXX for resolution. 

That date came and I attempted to call. The guy I talked to asked for verification questions then said they couldn't verify me and I needed to upload my ID again. I asked to speak to a supervisor and he hung up on me. 

I then recieved an email asking to upload my ID. I complied. 

Now my account said resolution by XX/XX/XXXX. 

When I attempted to call or chat after that I then started getting a message that my case was closed. Yet it was not. I recieved an email that Robinhood needed to do further review with yet another case ID. At this point the date has changed to XX/XX/XXXX for resolution. 

Finally I called and used the new case ID and spoke to another person. They informed me that there was yet MORE information needed. Questions to start. Questions like what do I do with my money, where do I send jt, where do i spend it what crypto services do I send or receive with other than Robinhood.

Then they asked for a screenshot of my cold wallet I had attempted to send funds to. I complied with that. 

My date changed to XX/XX/XXXX for resolution. 

At this point it is now saying XX/XX/XXXX for resolution. I have yet to hear anything. Calling, chatting or email ROBINHOOD is pointless as it's always genetic answers if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-01-11 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: GA

Complaint narrative:
A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances and varying late payments. I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Accounts have been paid in line with requirements by the creditor also some of the purchases were by ex-spouse and one was a fraudulent charge on my 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
I disputed with experian saying " These letter is a formal complaint that your reporting inaccurate and incomplete credit information. According to the fair credit reporting act section 609A1A, you are required by federal law to investigate through physical verification of the original signed contract. Any of all accounts that you post on a credit report, otherwise any one paying for your debt is fraudulent. I demand to see verification proof and physical and original contract. If you fail to validate remove from my account immediately. " XXXX never did proper investigation and mark verified in XXXX hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: 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 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting 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 a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am disputing the collection account with LVNV FUNDING LLC account number XXXX, dated XXXX XXXX with a balance of {$1100.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that LVNV FUNDING LLC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
About 6 months ago, Identity works was assigned to me due to several data breaches who sent me a membership for it. 

I called every creditor Ive disputed on a XXXX way, recorded call with XXXX XXXX. Afterwords she submitted disputes with her notes. I said they wont read them, nothing will happen. 

She advised me that if nothing happens, I am in a XXXX party consent state and the calls were recorded. I should subpeona the calls if I cant get them myself, and sue Experian. She didnt work there any more by our following werks scheduled follow up.

Ive been requesting those phone recordings, and had an attorney ive been working with from consumerattorneys.com reach out to let them know he plans on to subpoena those recordings and attempted to get through the automated voice attendant they have. Which is not possible sometimes. But he did and was told theyll be mailed first. Then that a real way to send them would happen. 

I am still requesting those recordings XXXX months later. 


Those disputes also were oaid no attention at all. 

Also, while uploading a couple of emails between XXXX and I, of course it isnt possible to look at anything Experian was reporting 8 months ago and see hege differences in that and what they are reporting today. 
The affirm screen shots, which Ive provided a bank statement from another merchant that sent it to prove that they did refund Affirm once I found about it, all said I opened the account this year. But theyve been reporting it, and then updating it as if it was new and just reported every month since. 
These say XXXX. A week before the dat it was in the screen shot. They had been reporting that the refunded money from XXXX who sent a bank statement to prove it since XX/XX/XXXX. Oh, and the refund was granted and processed according to samsungs bank records on XX/XX/XXXX. So there osnt a debt to havebeen " verified '' by experian 's " sham investigation, '' to begin with. 

I also now remember the kohls nonsense who was part of the XXXX way calls, and cleared any debt I had. I actually just got an update to terms and conditions yesterday for my card with them I dont know of many stores that only reach out when somebody is XXXX in default and written off only once a year when a variable rate adjusts for all cardholders ... ( Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
All the charge off on my account Ive disputed to be remove because I did a pay to delete. All was removed from all but Experian. Ive disputed several times and nothing is being 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 explanation