vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Identity Theft Dispute Fraudulent Accounts on My Credit Report Pursuant to 15 U.S.C. 1681 et seq. and 1681n ( FCRA ), and 15 U.S.C. 6802 ( XXXX  ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of accounts and inquiries on my credit report that are the result of identity theft. These accounts were opened and used without my knowledge or authorization, constituting a violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and privacy protections under 15 U.S.C.

6802. 
The following accounts were fraudulently opened : XXXX XXXX XXXX XXXX  Account XXXX  XXXX Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts do not belong to me, and I did not authorize their creation, use, or reporting. 
XXXX were the result of identity theft. As such, I am exercising my rights under : 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information. 
15 U.S.C. 1681i, which requires reinvestigation of disputed information. 
15 U.S.C. 1681n, which holds data furnishers and CRAs liable for willful noncompliance. 
15 U.S.C. 6802, which restricts the sharing of my nonpublic personal information without consent. 
Enclosed with this letter are the following supporting documents : A copy of my government-issued photo ID Proof of residence ( e.g., utility bill or lease ) A copy of the FTC Identity Theft Report or police report Request for Action : I demand the immediate blocking and permanent removal of the above fraudulent accounts from my credit report, in accordance with FCRA 1681c-2. The address the company has on file do not belong to me. The written signature is not mines. This account does not belong to me Please complete your investigation and provide written confirmation of the outcome within XXXX  days as mandated by law. 
XXXX Failure to comply with the FCRAs provisions, including 1681n, may result in legal consequences including actual damages, statutory damages, and attorneys fees. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX I do not know who using my information and how

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Subject : Formal Complaint to CFPB Regarding Inaccurate Personal Information on Credit Reports To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to accurate credit reporting, and the credit bureaus must correct or remove erroneous data. 

Incorrect Personal Information : Incorrect Name Variation : Reported Name : XXXX XXXX Correct Legal Name : [ Your Correct Full Name ] Incorrect Previous Address ( es ) : Reported Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Correct Address History : [ List only addresses youve actually lived at ] Incorrect Previous Address ( es ) : Reported Address : XXXX WASHINGTON XXXX  XXXX XXXX, XXXX, XXXX XXXXXXXX Correct Address History : [ List only addresses youve actually lived at ] Incorrect Name & Address Combination : Reported Entry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX Correct Information : [ Your current legal name and address ] Requested Actions : Immediate Removal of all incorrect name variations and addresses. 

XXXX of XXXX XXXX XXXX ( attached proof provided ). 

Written Confirmation from all three bureaus once corrections are made. 

Free Updated Credit Report reflecting changes. 

Legal Basis : FCRA 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i Consumers have the right to dispute and demand correction of inaccuracies. 

Supporting Documents Attached ( if applicable ) : Copy of government-issued ID ( e.g., drivers license, passport ). 

Utility bill or bank statement proving current address. 

Previous dispute correspondence ( if any ). 

Failure to correct these inaccuracies violates federal law. I demand resolution within 30 days as required by the FCRA. 

Contact Information : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I deposited funds of {$3000.00} USD into my XXXX account. They decided to put a restriction on my account not allowing me to access any of my funds, withdraw transact/deposit. I tried to contact support and they just said that they do not have access to the department responsible for this and there is no way to contact. Please do not use this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and XXXX unsure of the reason. I regularly monitor my credit, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a temporary error, but the false accounts remained. Given this, I kindly request a thorough review of the documents I submitted to ensure this issue is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have a serious problem with XXXX/PayPal ( the parent ). I guess I was used to having my account frozen. It only happens when I use it! Now they went too far and said they are going to hold my money for XXXX  days. They said it's in their agreement but I couldn't find it I've even asked them what I did but all I got was a link to their agreement. 

I have XXXX emails from support that said they found in my favor and the money would be put back in my account but they never sent the link to unfreeze my account to get the money out. I sent them several emails to get the link and to get my money but I didn't get a response. Once I threatened them with filing a police report, that's when a XXXX XXXX sent me an email about holding my money for XXXX  days. This was obviously done out of spite and not a business decision. 
The FTC addressed this with them in XXXX  and now they are out of compliance with that agreement. 

I was homeless for several years and I'm finally in an apartment but this is all the money I have ( or thought I have ). 
I am XXXX, XXXX and I currently have {$13.00} dollars in cash and {$16.00} on my insurance food card. I don't think I'll make it to the beginning of next month when I get my Social Security money. 
Can you please prioritize this? 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
My home equity line of credit was converted into a fixed-rate XXXX installment loan on [ insert conversion date ]. However, the credit union is still reporting the account as a revolving credit line, which inaccurately affects my credit utilization and score. I contacted the credit union to update the reporting, but no action has been taken. I am requesting this account be reported accurately as a fixed-rate installment loan in accordance with the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data with maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
My home equity line of credit was converted into a fixed-rate XXXX installment loan on [ insert conversion date ]. However, the credit union is still reporting the account as a revolving credit line, which inaccurately affects my credit utilization and score. I contacted the credit union to update the reporting, but no action has been taken. I am requesting this account be reported accurately as a fixed-rate installment loan in accordance with the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data with maximum possible accuracy.

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 2025-05-21 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-21 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: MO

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 2025-05-21 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: MI

Complaint narrative:
Under FCRA XXXX ( XXXX ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Please explain why it was not removed initially, despite my submission of all required documentsincluding my ID, Social Security number, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of noncompliance, emphasizing the need for adherence to federal law. As required under FCRA XXXX, I expect a complete investigation and all requested documentation within XXXX business days. Should you fail to delete this account within that timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-05-22 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: IL

Complaint narrative:
On XX/XX/year>, I mailed a certified identity theft dispute to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. The package included my FTC Identity Theft Report, government-issued ID, and a detailed statement identifying fraudulent accounts. According to XXXX Tracking # XXXX, it was delivered and signed for on XX/XX/year>, at XXXX XXXX 

As of today, XX/XX/year>, Experian has failed to respond, acknowledge receipt, or process my identity theft dispute. No reinvestigation has occurred. No accounts have been removed. Nothing has been done. This delay has caused me extreme frustration, emotional distress, and ongoing damage to my credit and financial reputation.

Experian is clearly in violation of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation within 30 days 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft after proper notice I have photo documentation of the certified mail receipt and XXXX delivery confirmation proving Experian received my dispute but ignored it.

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 2025-05-21 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: GA

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My aunt issued me a check from XXXX  XXXX XXXX and I deposited it into my checking account at Wells Fargo on XX/XX/XXXX. 

Wells Fargo put a hold on the check when it was deposited. 

On XX/XX/XXXX they sent a message saying that they are delaying the availability until XX/XX/XXXX due to Unusual Deposit Activity Later that same day, Wells Fargo decided to reverse the deposit without any explanation. 

My aunt and XXXX XXXX XXXX have verified the validity of the check, but Wells Fargo has decided on their own not to honor the check nor return the check to me. They only offer to provide a copy of the check. 

Wells Fargo has been my bank for XXXX  years and I regret allowing them to control access to my finances due to their apathetic negligence and lack of available recourse as their customer.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
Dear Sir/Madam, This letter serves as a formal record of my multiple attempts to communicate with XXXX XXXX and Meridian Financial regarding an undocumented debt appearing on my credit report. 

Timeline of Events : XX/XX/XXXX Discovered a derogatory mark on my credit report referencing " XXXX XXXX '' I was unaware of any ongoing timeshare ownership or obligations as I thought property had been transferred Learned of Meridian Financials ' involvement only through the credit report No communication received from Gold Point since XX/XX/XXXX No bills or maintenance fee notifications received since XXXX No communication received from Meridian Financial XX/XX/XXXX Made XXXX attempts to contact XXXX XXXXt for debt validation Spoke with XXXX, verified my contact information was up to date ( Phone and email ), no explanation of debt owed was shared ( Case # XXXX ) XX/XX/XXXX Received only a screenshot of a bylaw instead of debt validation Requested the following documentation ( still pending ) : Complete copy of GPR DQ Owner Rights document with evidence of my acknowledgment Documentation of attempted communications regarding outstanding bills ( XXXX ) Verification of contact information in your system in writing ( XXXX ) -only received verbally on call Case # XXXX Detailed statement of all outstanding charges Documentation of timeshare term length as signed by XXXX XXXX my father over XXXX  years ago Clarification on timeshare obligation ( purchased by my father over XXXX  years ago ) XX/XX/XXXX Made XXXX attempts to contact XXXX XXXX Left XXXX messages with XXXX XXXX Account Executive for XXXX XXXX  at Meridian As of this writing , I have not received : Any response to my multiple communication attempts Documentation validating the alleged debt from XXXX XXXX and XXXX Written verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX Pursuant to federal law, I requested immediate written verification of this debt and all associated documentation. 

Sincerely, XXXX XXXX XXXX ) XXXX Account # XXXX CC : Consumer Financial Protection Bureau 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc.
State: TX

Complaint narrative:
XX/XX/year>XXXX  my account was hacked and {$1900.00} was taken then {$2500.00} was taken also they did another fee of {$820.00} I have alerts on my account. Which I never got. I contacted the police which I got statement from the police. I called everyday to get it resolved nothing has been doing!! Im almost homeless this left my account- {$350.00} its been 2 months still no answer

Company response to consumer: Closed with explanation