vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-21 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: MA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-21 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I came to the end of my loan agreement. I had spoken to a male at Global Lending Services that claimed he was a manager. He told me that since my car loan had expired all I had to do was to make payment once every 3 months. I said ok but I would make it my business to make monthly payments so I could pay the account off faster. After ho told me that everybody who spoke to me after had a different story. So, I requested for things to be in writing about the extension of my loan contract and the terms and conditions on paying the loan since the contract had expired m. I was that was not possible and they sent me the old loan agreement back. I requested my payment history and the history was unclear and looked as if someone had been tampering with the amount. I asked questions with no real valid answers. I had several payments prior to XXXX XXXX, 2025. I had made a payment the first week of XXXX the second week of XXXX and on XXXX of XXXX, 2025. Nobody spoke to me before they repossessed my car about any payment problems. I received a miss call on XXXX XXXX, 2025 with no voicemail at all when I returned I could not get through do to office being closed yet the office hours from automated system states that they should be open until XXXXXXXX XXXX on Friday and XXXXXXXX XXXX Monday thru Thursday. 
On Saturday XXXX XXXX, 2025 without any conversation or warning my car was picked from XXXX park between XXXX XXXX and XXXX XXXX EST with all my personal identification and etc in it because they took my purse, babies diaper bag, car seat, and every other personal item that was in my vehicle. I was not aware that my car was repossession status at all. 
I have to bank issues since then and has to make a police report. 
Global Lending Services did this act of maliciousness and backstabbing for reasons I do not know why. They never provide real names or entire names. They give false names and is misleading to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
My account was placed in restriction on XXXX/2025. I requested multiple call backs to find out the reason why. I did nothing wrong. Finally after 4 attempts they contacted me to schedule an interview with an agent. I could barely understand the man that I spoke to. It was very difficult due to the language barrier. He asked me a series of questions. Kept putting me on hold and came back to ask me more questions. And in the end said I would hear something shortly. In the app I used for XXXX I seen a note at the top that said I would hear something by XXXX/2025. On XXXX/2025 it changes and said by XXXX/2025. And has continued to change now saying XXXX/2025. I have since sold my investments and want to withdraw my money back to my original personal checking account from which the account was funded. And now it says I cant do that due to my account being restricted. The only way to speak to these people is through a requested call back from the app. It sometimes can take days to get a call back and they are foreign in decent and you can not understand them. In addition, they cant offer any help or information as to who and when someone can help you. There is no other way to speak to someone. After a lot of research they do this to a lot of people. I think they are using our money for other purposes to benefit their company. It is very unprofessional in the way they handle customers money. I just want my money back and will never deal with them again. I have contacted two national media outlets, I think other investors need to beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-21 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: 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 2025-04-21 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a negative remark reported on my XXXX XXXX XXXX XXXX XXXX XXXX consumer report by XXXX XXXX. The bank has accused me of fraud, yet has failed to provide any documentation or evidence substantiating this claim. I assert that the information reported is inaccurate, damaging, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite my repeated attempts to dispute this matter directly with the bank and XXXX XXXX XXXX, a negative remark remains on my report. I have not been presented with any proof of fraudulent activity, nor have I received a proper explanation of the claim. As a result, I have been unfairly denied access to basic financial services. 
I am requesting the following : 1. A full investigation into the matter.

2. A requirement that the financial institution provide documented proof supporting the fraud allegation.

3. Removal of the inaccurate negative information if no such proof exists.

4. Confirmation that my consumer rights are being protected per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep concern and outrage over the discriminatory treatment I have experienced as a client of Morgan Stanley. I believe that my account has been unfairly and unlawfully restricted due to gender-based discrimination, in violation of both your internal policies and federal anti-discrimination laws. 

My account remains unjustifiably frozen despite having complied with every request for documentation and identity verification, including providing government-issued ID, account numbers, proof of address, etc.. This has denied me access to my funds, caused significant personal and financial distress, and infringed on my basic rights as a banking customer. 

Moreover, in my numerous attempts to resolve this issue through your customer service channelsincluding phone calls, document upload center, and emails I have received inconsistent, misleading, and sometimes blatantly false information. Your representatives have failed to explain the account restriction clearly and have refused to escalate my concerns or acknowledge the gravity of the situation. The pattern of treatment I have experienced raises serious concerns about discriminatory practices, lack of transparency, and potential misconduct within your institution. 

Please be advised that discrimination based on gender is prohibited under Title VII of the Civil Rights Act and the Equal Credit Opportunity Act ( ECOA ). As such, if immediate corrective action is not taken, I intend to pursue all available legal and regulatory remedies, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Reporting this issue to the Office of the Comptroller of the Currency ( OCC ) ; Filing a civil rights complaint with the Equal Employment Opportunity Commission ( EEOC ) ; Seeking legal representation to pursue damages for discriminatory financial practices and emotional distress. 

I am demanding that the following actions be taken within 7 business days of receipt of this letter : 1. Immediate restoration of full access to my account and all funds ; 2. A written explanation for the restriction of my account ; 3. A formal apology from your institution for the mishandling of this matter and the discriminatory treatment I have endured. 

If Morgan Stanley fails to respond appropriately and within the specified timeframe, I will consider all further options necessary to protect my rights and financial well-being. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-21 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: MA

Complaint narrative:
I disputed an item on XXXX XXXX XX/XX/XXXX. At XXXXXXXX XXXX, XX/XX/XXXX, I received a response indicating that the dispute has been resolved. The items in disputes was from XX/XX/XXXX. Equifax 's indicates that there is " No Data Available '' for XX/XX/XXXX. How can an investigation be completed by accessing data that is not available? How can an investigation be completed without contacting the third party that reported the data that is not available? A dispute can not be resolved in 11 hours, with no data available for the month of the dispute, and without contacting the third party reporter. An investigation was not completed. An automated system checked the inaccurate information and claimed it was accurate with unavailable data and without contacting the third party reporter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX  KEEPS CREATING ACCOUNTS IN MY NAME AND DEBTING IT TO MULTIPLE DEBT COLLECTORS AFTER BEING TOLD THAT THESE ACCOUNTS ARE DUE TO IDENTITY FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 2025-04-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Online Information Services , Inc . 
Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Re : Account with Washington Gas Light Company Dear Sir or Madam, I am writing to formally dispute the accuracy of a collection account being reported by your agency in connection with a debt from XXXX  XXXX XXXX XXXX, in the amount of {$470.00}, with an open date of XX/XX/XXXX. 

While I acknowledge the debt, the way it is being reported on my credit file is inaccurate and incomplete for the following reasons : XXXX. The balance remains unchanged and does not reflect any updates or resolution efforts, which misrepresents the current status of the account. 
XXXX. The account continues to be reported as open and placed for collection, even though it has been over a year since its assignment to collections. 
XXXX. The remark stating Dispute resolvedsubscriber disagrees was added prematurely, without providing me with documentation validating the debt or correcting the inaccurate details. 

Additionally, I have recently begun receiving text messages from a different collection agency, XXXX XXXX XXXX, stating that I owe a {$1200.00} balance for this same XXXX XXXXXXXX account. This raises serious concerns about duplicate collection efforts, inconsistent balances, and potential misreporting by either or both agencies. 

Please consider this letter a formal dispute. I expect a written response and resolution within XXXX days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief