vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Experians refusal to remove multiple unauthorized hard inquiries from my credit report, which are a direct result of identity theft. 

I have already filed an identity theft report with the FTC and submitted a police report. I also contacted the original creditors associated with these inquiries. Despite providing this documentation to Experian and following the proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), Experian has refused to remove these inquiries. 

According to the FCRA, consumers have the right to have any unverified or unauthorized information removed from their credit reports, especially in cases of identity theft. XXXX response is unacceptable and is causing damage to my credit profile through no fault of my own. 

I am requesting the CFPB to investigate this matter and ensure that Experian complies with federal law and removes the unauthorized hard inquiries from my credit report immediately. 

Thank you for your attention to this matter. 

XXXX : I will attach the information that verified what I am saying and the hard inquiries that I did not authorize to be DELETED from my account IMMEDIATE!

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I bought a money order for {$220.00}. I couldnt used it. So I ask for my money back, they approve it, I ask for a check because I couldnt cashed out at one of they agencies. Because when I did a refund request I didnt used my full middle name, only my initial So they said they will send me a check to my address. Will be between 7-15 business days. And its been months ( 6 ) Every single time I called they give a new case number. And the same historie, Ill get a check between 7-15 business days. But I havent received anything, they said they still working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I discovered multiple accounts and derogatory items on my credit reports that I did not open or authorize. These accounts were opened without my knowledge, and I have never received any services, products, or correspondence from the companies listed. I believe I am a victim of identity theft and that my personal information was used fraudulently authorized or opened them. All 3 Credit Reporting Agencies, show different names and amounts, and I have NO KNOWLEDGE of any of these XXXX SHOWS : XXXX XXXX {$1900.00} 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 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 ROBINHOOD CREDIT Balance : {$3200.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2025-04-24 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company 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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Im not sure of the amount. I received a letter stating my student debt was forgiven under the Biden program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Absolutelyheres a strong, professional CFPB complaint letter that presents your case clearly and persuasively : To Whom It May Concern, I am submitting this complaint regarding a charge-off that has appeared on my credit report in connection with my account at Bank of America XXXX I settled this account in full in XXXX  following a legal dispute with the bank, during which my account was frozen pending the outcome of court proceedings. 

At no point during the period of litigation and account freeze should any late fees have accrued, yet I am now being penalized with a charge-off solely from alleged late feesdespite the fact that the account was inactive and under legal review. These fees were never disclosed or communicated during the settlement process, and the charge-off appeared only after the case was resolved and payment had been made in full. 

This charge-off is unfair, inaccurate, and is now negatively impacting both my credit score and my ability to increase my credit limits. I have made multiple good faith efforts to resolve this with the bank, including a request for correction, but I have been told that nothing can be done. This is unacceptable given the specific legal circumstances and the fact that the debt was fully settled. 

I am requesting the CFPB to investigate this matter and to compel the bank to remove the charge-off from my credit report, as it does not accurately reflect the nature of the account activity or the agreed-upon settlement terms. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX and for XXXX XXXX I am submitting this complaint for Checking Account : XXXX - Savings Account : XXXX If these accounts cant be reopened and unrestricted please lets us open a new account for Chase XXXX XXXX second chance joints account please our accounts was closed and restricted for no reason unfairly without a chance to resolve the issue first before yall make a decision to end ur banking relationships and closed our accounts for no reason please remove the banking ended relationship and allow XXXX still bank with yall and get new debits cards and use all yall features without limits our restrictions or blocks because we need a bank account and dont know where to go now and dont have no other locations or branches to go and we get our XXXX income XXXX checks there into our accounts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX XXXX XXXX : : XXXX XXXX XXXX AAccccoouunntt NNuummbbeerr : : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 

XXXX. XXXX XXXX XXXX : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

XXXX. XXXX XXXX XXXX ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

XXXX. XXXX XXXX XXXX ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 

XXXX. XXXX XXXX XXXX : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 

XXXX. XXXX XXXX XXXX : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XXXX and XX/XX/XXXX, I filed multiple dispute claims with Bank of America that were repeatedly mishandled, misjudged, or denied with templated reasoning that ignored submitted evidence. Despite assurances from multiple representatives that my claims were valid and had been reviewed or would be reviewed properly, the company failed to follow through. 

Claim # XXXX ( {$1300.00} - XXXX  ) : I was charged rent on XX/XX/XXXX. XXXX days later, the landlord issued a notice to vacate, restricted access, and deactivated my account. I submitted the lease, notice, deactivation proof, and refund request. The claim was denied twice using the same copy-paste denial referencing authorization but ignoring all evidence of non-fulfillment. 

XXXX XXXX Dispute ( {$100.00} ) : A {$120.00} charge for legal consultation was partially refunded by the merchant ( {$29.00} ). I fairly disputed only {$100.00}. Bank of America then deducted another {$29.00}, reducing the credit to {$70.00} a double deduction on the same refund. 

Claim # XXXX ( {$48.00} - XXXX ) : XXXX promised me a full refund due to unsafe, unsanitary conditions, and refunded only {$200.00} of the {$240.00} total. Despite written proof of the full refund agreement, the remaining {$48.00} was denied because I remained in the unit, contradicting both logic and documentation. 

I have called Bank of America XXXX XXXX. Each time, representatives acknowledged mishandling or automation errors, confirmed my disputes were legitimate, and made notes to escalate them including during an in-person branch meeting. The final call with a representative named XXXX ( XX/XX/XXXX, XXXX PM ) was especially concerning : she was unconfident, at XXXX point stuttering when I asked about review steps, and admitted I had been misinformed yet still upheld the denials. She also vaguely said documents would arrive in XXXX days, but could not clarify what they were or if they included merchant responses. 

These patterns suggest not just negligence, but systemic failure in Bank of Americas dispute process. Im requesting oversight because this has created both financial and procedural harm. 

( Full account number available upon request. Last XXXX digits : 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 monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MOHELA
State: NJ

Complaint narrative:
I was a co signer on the XXXX XXXX XXXX My daughter school closed down without warning to students and facility. Loan was cancelled, servicing company refuses to remove cancelled debt from my credit file.

Company response to consumer: Closed with explanation