vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: UT

Complaint narrative:
Sample Complaint Text : I am submitting this formal complaint against XXXX, Equifax, and TransUnion for failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ). 

My credit reports contain inaccurate, fraudulent, and unauthorized accounts and hard inquiries that I did not open or authorize : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed detailed disputes with all three credit bureaus, including written letters and an identity theft statement, requesting they investigate these items, provide proof of my authorization, or remove them immediately. These accounts and inquiries are the result of identity theft, and I have also filed an identity theft report with the appropriate authorities. 

Despite my good-faith efforts to resolve this directly, the credit bureaus have not provided timely resolutions or removed the disputed information as required under FCRA. I am requesting the CFPBs assistance in enforcing my legal rights and requiring these credit reporting agencies to : 1. Remove the fraudulent accounts and unauthorized hard inquiries from my reports.

2. Provide documentation of any records they claim verify these items.

I have attached : Copies of my dispute letters. 
My identity theft statement. 
Proof of mailing. 
My credit reports showing the disputed items. 

I am seeking full removal of these fraudulent and unauthorized items from all my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LEXISNEXIS
State: TX

Complaint narrative:
I obtained a copy of my LexisNexis Full Disclosure Report and discovered that the company has collected and distributed an extensive amount of my personal, nonpublic informationincluding full drivers license number, Social Security number, insurance license data, property deeds, email addresses, online activity, and education historywithout my knowledge, consent, or a valid permissible purpose under the Fair Credit Reporting Act ( FCRA ) or Gramm-Leach-Bliley Act ( GLBA ). 

Many of the records originate from third-party data brokers, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These are not authoritative or verifiable sources. LexisNexis is publishing and reselling these records without transparency, without an opt-out option, and without ensuring maximum possible accuracy, violating 15 U.S.C. 1681b, 1681e, 1681g, and 6802.

They are also reporting contradictory data, for example, listing my insurance license as both expired and active multiple times. This clearly shows a disregard for accuracy. I demanded full deletion of this data, disclosure of all third parties who received it, and written confirmation of compliance, but have not received any adequate response. 

LexisNexis is also violating Texas Business & Commerce Code 20.06 by refusing to disclose precise sources and not correcting or suppressing inaccurate data.

Their actions are deceptive under the FTC Act 5, as they aggregate, warehouse, and resell private data from multiple unverified sources without clear consumer notification or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hey I was incarcerated for about XXXX   years back in XXXX and someone was using my credit info idk how but Im tryin to get identity thief because I never once used or ran my credit to get a car or a phone or a apartment or house please help me erase all bad credit please XXXX transuion eqaufax and experian

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 2025-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Apparently when our autopay was set up, it was pulling from our savings account, not checking. So when autopay went to pull, it declined. 

I went into the system, updated the autopay account, and let it pull again, well instead of it pulling from the updated checking account, it denied it again as it tried to pull from the prior savings account, I then got hit with a return payment fee of {$29.00}. I cancelled the autopay, and manually made a {$300.00} payment on XX/XX/XXXX, my payment was due XX/XX/XXXX. 

I inquired to get the return payment fee removed, as it was NOT my fault that the second payment tried to pull from the old account. They told me they couldn't do it. 

So i accepted whatever, my fault i guess. 

Then i just opened my new statement and find an interest charge for {$.00} I am in my interest free period on this card. I inquired again asking why and they say " you didn't pay your minimum payment '', YES I DID. The statement makes up some random {$9.00} charge to charge me interest for. 

I am filing this complaint about both the return payment fee and the interest they are now charging me for. 

Unfortunately i do not have screenshots from my chat conversation about the return payment fee but i do have the ones from the interest charges so i will attach those.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital one is reporting a charge off written off on my credit report. I haven't recieved my 1099 c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I went to pay my full bill on XX/XX/year> on XXXX. The website indicated it would post that same day. It did not. The payment did not post to my bank account until XX/XX/year>. That is not my complaint though. The complaint is that the credit card spending limit never updated. I called the Synchrony Bank yesterday and they said it was for security reasons without any further information. I did become irate with the representative and asked if she knew about federal code 1026.10 with the Consumer Financial Protection Bureau. She did now and I just ended the call after telling I would be filing a complaint to XXXX  Attorney General 's office ( Synchrony Headquarters is in XXXX  ) and with the XXXX  Attorney General 's office.

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 2025-07-05 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:
bXXXX XXXX XXXX This CFPB complaint has been filed to request under FCRA XXXX(XXXX XXXX XXXX) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, Inaccurate, and false Information consists of a personal loan account opened at XXXX XXXX XXXX  on XXXX XXXX XXXX, under account number XXXX, and an auto loan account opened at United Auto Credit Co on XXXX XXXX XXXX, XXXX loan at XXXX XXXX  opened jXXXX XXXX XXXX A loan at westbon in for XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX many other accounts that I have attached below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX XXXX XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXX XXXX 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 #XXXX as proof from the XXXX  Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud."

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint regarding a collection account reported by Caine & Weiner ( Account # XXXX ), allegedly originating from XXXX XXXX. 

This account is inaccurate, unverified, and in violation of several federal consumer protection laws : Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt, the collector must cease all collection activity until proper validation is provided.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are legally required to report only accurate and verifiable data and must conduct a proper investigation when a dispute is submitted.

Under 15 U.S.C. 1681 ( a ) ( 5 ) of the FCRA, consumer reporting agencies and information furnishers must act with fairness, impartiality, and respect for consumer privacy. That standard has not been upheld here.

Despite being disputed, Caine & Weiner has continued to report this collection account without providing any documentation or validation of the debt, including proof of ownership or legal authority to collect on behalf of XXXX. This violates my rights and constitutes unlawful communication and collection activity under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Currently have a balance of {$990.00} in my Robinhood.com account, but unable to withdraw it and now they are saying my account will be closed on XX/XX/year>. I am unable to upload documents in order to verify my identity and remove the restriction on my account and unable to contact support to remedy the situation. 

Timeline of events : - XX/XX/year> : Received an email notice that my account was restricted and withdrawals were locked. 
- XX/XX/year> : Received email notice that I was required to upload documents to verify my identity. I was unable to complete this process within the 10 days they requested due to family emergency. 
- XX/XX/year> : Tried to open the link in the XX/XX/XXXX email to upload documents and verify my identity, but the link takes me to a page that does not give any options to upload documents and verify my identity. I tried contacting support through both the web and mobile app, but neither one lets me talk to support staff. There is also no option to contact the company support via XXXX XXXX  List of attached screenshots : - Screenshot of website saying my account is restricted due to unusual activity, but that " No action is needed '' - Screenshot of error " This feature is unavailable at this time '' when I attempt to withdraw my remaining funds using the website - Screenshot of XX/XX/year> email notice saying I need to submit documents in order to verify my identity and remove restrictions on my account - Screenshot of message from the website saying I need to withdraw my remaining funds by XX/XX/year>, before my account is closed ( however I can not withdraw funds due to the account restriction ). 
- Screenshot of XX/XX/year> email notice that Robinhood is closing my account - Screenshot of website support chat showing no option to type a response message, only allows me to click a button that says " Yes, that's all ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, FL XXXX, am writing to formally state that I have no knowledge of, nor did I authorize the opening or use of, the account in question that was fraudulently opened in my name. 

I did not apply for, consent to, or benefit from this account, and I believe it was opened without my knowledge or permission, possibly as a result of identity theft. I discovered this unauthorized account on XX/XX/year>, and took immediate steps to report the matter to the appropriate parties. 

I respectfully request that this account be fully investigated and permanently removed from my credit file. I also request that any negative or derogatory information related to this fraudulent account be corrected or deleted as appropriate. 

I am willing to cooperate fully with any investigation and can provide supporting documentation if needed.

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 2025-07-05 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: LA

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