vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello my robinhood account was closed for absolutely no reason whatsoever I have XXXX dollars in there I have sent many emails and they told me they will return my funds if elegible which I do not take from that because this is my hard earned worked money as per my lawyer I will proceed with legal action they are stealing my money from me I have never done anything wrong with them I just invest in XXXX like a normal person and will not tolerate this such behavior from robinhood this is legal torture they are not allowed to do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing the inaccurate and unverifiable information you are reporting. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to conduct a reasonable investigation of every dispute. I am demanding you immediately DELETE the following account from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting false and derogatory information that is not supported by certified proof. I demand you provide full documentation, including : Signed contract bearing my signature Complete payment history Permissible purpose authorization for reporting Full chain of custody validating the data source Failure to provide documented evidence proving the accuracy, completeness, and full Metro 2 Compliance of this account constitutes willful non-compliance under 15 U.S. Code 1681s-2 ( b ).

I am also aware of your practice of issuing boilerplate form letter responses to disputes, which violates FCRA 1681i ( a ). Each dispute must be handled based on its own merits with a good-faith reinvestigation. 

You have 30 days from receipt of this notice to complete a lawful investigation and DELETE all unverifiable and inaccurate information. Failure to comply will result in escalation, including formal complaints to the CFPB, FTC, State Attorney General, and potential legal action for willful violations of federal law. 

This is your legal notice. Govern yourself accordingly.

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 2025-06-18 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$160.00} INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  account is closed with a XXXX balance is reporting to my Experian account they see it's in accurate an want delete it not even checkin into my account to see it's wrong information 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX  account is closed with a XXXX balance is reporting to my Experian account they see it's in accurate an want delete it not even checkin into my account to see it's wrong information fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
* Lines encapsulated by [ ] indicate the name of a correlating uploaded document * -- XX/XX/year> : I submitted a transaction dispute with XXXX XXXX. 
[ Dispute Claim - Submission ( XXXX ) .pdf ] -- XX/XX/year> : I received a determination letter stating the transaction was valid. 
[ Dispute Claim - Determination ( XXXX ) .pdf ] - This notice includes instructions on how to audit the determination [ Audit Offer Language.png ] -- XX/XX/year> : I submitted my notification to audit to both the defunct and requested new email address. 
[ Dispute Claim - Notice XXXX to Audit ( XXXX ) .pdf ] - This was promptly responded with an automatic reply notice of changed email [ Dispute Claim - Notice XXXX - incorrect email notif ( XXXX ) .pdf ] -- XX/XX/year> : I received a response from XXXX XXXX who offered information, but did not satisfy the notification to audit, nor did she provide any of the documentation necessary to perform said audit. 
[ Dispute Claim - Notice XXXX - Incomplete Response ( XXXX ) .pdf ] -- XX/XX/year> : I promptly replied to XXXX XXXX informing them that their response did not satisfy the audit terms and that no documentation was provided for me to audit. I included instructions to XXXX to include those documents with their next response. 
[ Dispute Claim - Notice XXXX to Audit ( XXXX ) ] - To this day, I have not received any response to this email -- XX/XX/year> : After XXXX weeks of no response, I submitted a third notice of intent to audit. I included the original email address, as well as cc 'd XXXX XXXX. In the email I detailed the insufficient response provided by XXXX and that my intent to audit had not been satisfied and that no documentation had been provided. 
[ Dispute Claim - Notice XXXX to Audit ( XXXX ) .pdf ] -- XX/XX/year> : I submitted a follow-up notification to XXXX XXXX, as well as the general intake address provided by the dispute determination. 
[ Dispute Claim - Notice XXXX to Audit ( XXXX ) .pdf ] - I have not received any responses, whatsoever. 

Furthermore, the original dispute remains unsettled. A fraudulent charge took place which included intentional deception, lies, theft, and fraud on the part of the seller. 
I have included the originally provided documentation to this dispute [ Dispute Claim - Submission ( XXXX ) .pdf ]. Those supplemental documents are referred to in the Submission pdf and have been renamed to include an identifier prefix of " ODS - " ( Original Documentation for Submission ) to easier separate the XXXX sets of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my credit report, XXXX is reporting late payments from XX/XX/XXXX to XX/XX/XXXX. I disputed this XXXX times, and they responded each time stating the information is accurate or verified, but have never provided the legally required billing statements for those specific months. I requested proof that those statements were delivered at least 21 days before each due date, as required under 15 U.S. Code 1666b, and they failed to provide it. Instead, they sent irrelevant recent statements. Their continued reporting of unverifiable and potentially false information is a clear violation of federal law and a failure to conduct a reasonable investigation under 15 U.S. Code 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of iden
tity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-18 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being for some time, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXXXXXX XXXX Amount : {$10000.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$840.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Date 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
Transunion is reporting a XXXX  XXXX  that was during coivd that is not mine. It was already deleted from other reporting agencies, I am first time home buyer and this is ruined my credit. The debt collector and transunion shoudl be held accountable. 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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to file a complaint regarding the Law Offices of Patenaude & Felix, APC ( XXXXXX/XX/XXXX ) for what I believe to be negligent handling of my debt repayment and credit reporting. 

In XX/XX/XXXX, I was contacted by their office and urged to pay off a debt balance of {$3600.00} to avoid court proceedings. Due to the urgency and fear of legal action, I took out all the equity from my car loan to make the payment on XX/XX/XXXX. I was told that paying that day would prevent any court involvement. ( I was also denied a receipt ). 

However, in XX/XX/XXXX, I applied for an apartment and was denied. Upon reviewing my credit report, I discovered that the debt was still listed as unpaid and in collections. I attempted to contact the law office for a week with no response. When I finally reached someone, they acknowledged that no updates had been made to my account and apologized, promising to resolve the issue within two weeks. 

I received a letter confirming the account was paidbut it was dated XX/XX/XXXX, the day I called, not the actual payment date of XX/XX/XXXX. Since then, Ive made multiple attempts to follow up, but my calls have gone unanswered or been redirected to voicemail. When I finally spoke to someone again, I was told I would need to wait to speak with a lawyer. I was promised a corrected letter, but as of XX/XX/XXXX, I have not received it, and my credit report still inaccurately reflects the debt as unpaid. 

I am requesting assistance in holding this law office accountable for their negligence. Their failure to update my credit report in a timely and accurate manner has caused me financial harm and emotional distress. 

Thank you for your time and support. I hope this matter can be investigated and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found this XXXX  on my credit report. I have been sending letters to Experian due to Identity Theft, and they are not investigating anything. All they do is lie about the process. They are not telling me who's sending them this information. 

XXXX XXXXXXXX XXXX XXXX XXXX Important dates Original filing date XX/XX/year> Latest status date XX/XX/year> Additional details Reference number XXXX Record type XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-18 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: LA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have initiated ACH to transfer my money from Marcus saving account to my XXXX Account for House purchase. But Marcus declined the transaction says, the funds has to be returned to the original source. XXXX Checking Account is one of the funding account. I have explained the purpose and urgency to Marcus, but they refused. And now I am not able to move my money in Marcus and can't close my house. Please help.

Company response to consumer: Closed with explanation