vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX yrs of age and I have a grown son that is currently XXXX going on XXXX yrs old and in the state of NY child support ends at the age XXXX and that's the problem because my child support case ended in XXXX yrs ago and on my credit report I notice it said status open and its incorrect and inaccurate. it needs to be removed and deleted It's unfair to me I'm a government worker and a taxpayer, and I tried disputing this and I also notice it's been in dispute for years now, and I'm upset because I just noticed this. so I've written every credit bureau all XXXX, explaining this to them and that this needs to be deleted. it's hurting me and probably many others. Please investigate my credit report because I noticed so many errors. incorrect status, incorrect address, and incorrect statements made on my report that is currently hurting me. Please, can you help me I work so hard to have this issue its messing my life up. This should be illegal, what they did to me. and I never been married a day in my life and they have a woman name down on my credit report as if im married and that is incorrect information and that needs to be deleted and removed soon as possible. and I don't know how this person name even got on my credit report which looks like fraud and something should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
Wfc repeatedly reporting on my credit report. These were charged of years ago on a closed account. They continue to reopen these closed accounts and keep revoving them on my report. This has a major impact on my life and I need this remove deleted and to never return on my crefit reports again. It's several World Finance accounts at which it only should have been XXXX in the first place but they was closed years ago and all charged off. According to my rights of the law it states any inaccurate and charge of accounts or closed accounts should not be reporting on my report and should be deleted removed. I have not given any consent to inaccurate or charge offs reopening or reporting any reports that are closed and need to be removed completely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: LEXISNEXIS
State: VA

Complaint narrative:
I am filing a formal complaint against LexisNexis for reporting inaccurate, misleading, and unverifiable information on my consumer report. 

LexisNexis is furnishing false and damaging information that has negatively impacted my financial standing. I have never authorized LexisNexis to collect, use, or share my confidential personal information. Their actions are illegal and constitute blatant violations of multiple federal laws designed to protect consumer rights and privacy. 

LexisNexis is in direct violation of the following statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : By failing to implement reasonable procedures to assure the maximum possible accuracy of the information they report.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : By failing to conduct a proper and timely reinvestigation of disputed information upon notification.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : By obtaining and disclosing my consumer information without a permissible purpose or my explicit consent.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 : By unlawfully sharing my nonpublic personal information without authorization, violating my right to financial privacy. 

Despite being notified through a detailed dispute letter, LexisNexis has failed to correct or remove the inaccurate information, demonstrating a reckless disregard for my rights under the law. Attached is a copy of the letter that I sent to LexisNexis outlining all discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: AL

Complaint narrative:
Robinhood restricted my account without warning while I was actively trading. I received an email saying action is required to lift restrictions, but the platform offers no instructions or options to comply. 

Their app displays a contradictory message : No action needed. Meanwhile, I can not trade, I can not withdraw funds, and I am blocked from updating my phone number which I suspect is tied to verification. When I tried to change it, I was told, Try again tomorrow. 

They have also disabled chat support, and only offer delayed phone/email responses. Ive now been told to wait until XX/XX/XXXX for an update not a resolution while my funds remain frozen. 

This situation leaves me locked out of my money and unable to take any steps to resolve it. Robinhoods vague messaging and refusal to provide clear steps or support options is misleading, harmful, and deeply frustrating. Im requesting CFPB investigation and intervention to restore account access and address this pattern of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
There was a mistake in payment in taxes, by which I was charged XXXX vice XXXX. This put in motion to update my escrow analysis. My mortgage company updated my payment to XXXXmonth vice the XXXX. I've been charged this amount for three months and they haven't been able to get the adjustments and reimbursements complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Jamestown, Inc.

Complaint narrative:
I reported XXXX to XXXX {$3300.00} is the total loan amount. XXXX is the authorized agent for XXXX XXXXXXXX XXXX. All my debts are paid up. And this amount is fake. XXXX removed them. But XXXX is still contacting me through my email. I want them to stop contacting me. XXXX told me to just ignore them. But I dont want them emailing me either. How do I make them stop? Please help. Also should I call the police about this? Non emergency police call?

Company response to consumer: Untimely response
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank , N.A . ( JPMCB Card ) for inaccurate and unverifiable reporting of an account ( Account Number XXXX ) to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness.

The account is reported as a charge-off on my credit report. However, the payment history contains inconsistencies that contradict its negative classification, undermining the legitimacy of the account and its charge-off status. These discrepancies render the reported information inaccurate and unverifiable, violating FCRAs requirement for accurate and complete reporting. I mailed a dispute letter to JPMCB Card on XX/XX/year>, JPMCB Card has failed to correct or remove the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CORELOGIC INC
State: VA

Complaint narrative:
I am filing a formal complaint against Credco Consumer Relations Department for reporting inaccurate, unverifiable, and misleading information on my consumer report. 

Credco has furnished false and damaging information that is harming my financial reputation. I have never authorized Credco to collect, use, or share my confidential personal or financial information. Their actions are illegal and constitute serious violations of federal law designed to protect consumers. 

Specifically, Credco is in violation of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : For failing to follow reasonable procedures to assure maximum possible accuracy of the information reported.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : For failing to properly investigate and correct disputed information in a timely manner.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : For accessing and sharing my consumer report without a permissible purpose and without my consent. 

XXXX XXXX ( XXXX ), 15 U.S.C. 6801-6809 : For unlawfully disclosing my nonpublic personal information without my permission, violating my right to financial privacy. 

Despite having provided Credco with a detailed dispute letter outlining the discrepancies, the company has failed to correct or delete the inaccurate information, displaying blatant noncompliance with the law and complete disregard for my rights as a consumer. 

Attached is a copy of the letter that was sent to Credco Consumer Relations Department addressing all discrepancies.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian is falsely reporting a bankruptcy. I disputed it and requested that XXXX verify the bankruptcy directly with the original furnisher ( the court ), as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian refused and incorrectly told me it was my responsibility to verify it, shifting the legal burden onto me. I froze XXXX to block third-party reporting. Courts do not furnish bankruptcies to Experian. The bankruptcy is unverifiable and must be deleted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian is falsely reporting a bankruptcy. I disputed it and requested that XXXX verify the bankruptcy directly with the original furnisher ( the court ), as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian refused and incorrectly told me it was my responsibility to verify it, shifting the legal burden onto me. I froze XXXX to block third-party reporting. Courts do not furnish bankruptcies to Experian. The bankruptcy is unverifiable and must be deleted under the FCRA.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
i seem to have mistakenly order a XXXX  Gift Card on XXXX ; i then canceled the order i got an invoice from XXXX and then 3 minutes later i got an email saying the order was cancelled ; i gave this information to XXXX XXXX XXXX XXXX  but they have refused to cancel the charge. i have contacted XXXX XXXX XXXX several times but they continue to expect payment. i have no intention of paying for a product i never received and i have the documentation that the order was cancelled.

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 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and fraudulent activity as it pertains to my consumer credit file. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent and unauthorized information from my credit file : 1. Fraudulent/Unauthorized Addresses to Remove : See documents for reference.

2. Fraudulent/Unauthorized Accounts to Remove : See documents for reference. 23 fraudulently issued accounts have already been removed thanks to some companies speedy process. Many more remain.

3. Unauthorized Inquiries to Remove : See documents for reference.

Legal Basis for My Request : Under FCRA Section 605B, you are required to : Block all fraudulent information from appearing on my consumer report within 4 business days of receiving this notice.

Permanently delete all items proven to be the result of identity theft without requiring further verification from the furnisher.

Update and issue corrected credit reports reflecting the deletions.

This letter serves as my formal dispute and notification. Enclosed are the following : FTC Identity Theft Report Government-issued photo ID Proof of current address ( utility bill or bank statement ) police report Final Notice : Failure to block and delete this information in accordance with federal timelines will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulators, and may result in legal action as permitted under the FCRA.

Thank you for your immediate attention to this serious matter. 
Please send confirmation and updated copies of my consumer file after completing this process. 

Sincerely, 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 2025-04-26 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX for reporting inaccurate, misleading, and unverifiable information on my credit profile, in direct violation of federal consumer protection laws. 

Specifically, XXXX is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : XXXX has failed to conduct a proper reinvestigation into the inaccurate information after being notified of the dispute.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX  is knowingly reporting false information and has not corrected it despite being informed of its inaccuracy.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 : XXXX  has unlawfully shared my private financial information without my consent, violating my right to financial privacy. 

Despite my attempts to notify XXXX of the discrepancies and provide supporting evidence, the company continues to report this inaccurate information to consumer reporting agencies. This is damaging my credit reputation and financial opportunities based on information that is clearly false and unverified. 

Attached to this complaint is a copy of the letter I sent to XXXX XXXX XXXX, detailing every discrepancy and inaccuracy. Their continued failure to investigate and correct this misinformation is unlawful, irresponsible, and harmful.

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 2025-04-26 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX for reporting inaccurate, misleading, and unverifiable information on my credit profile, in direct violation of federal consumer protection laws. 

Specifically, XXXX is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : XXXX has failed to conduct a proper reinvestigation into the inaccurate information after being notified of the dispute. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX is knowingly reporting false information and has not corrected it despite being informed of its inaccuracy. 

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 : XXXX has unlawfully shared my private financial information without my consent, violating my right to financial privacy. 

Despite my attempts to notify XXXX of the discrepancies and provide supporting evidence, the company continues to report this inaccurate information to consumer reporting agencies. This is damaging my credit reputation and financial opportunities based on information that is clearly false and unverified. 

Attached to this complaint is a copy of the letter I sent to XXXX XXXX XXXX, detailing every discrepancy and inaccuracy. Their continued failure to investigate and correct this misinformation is unlawful, irresponsible, and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ) for reporting inaccurate, misleading, and unverifiable information on my credit profile, in direct violation of federal consumer protection laws. 

Specifically, XXXX is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : XXXX has failed to conduct a proper reinvestigation into the inaccurate information after being notified of the dispute. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX is knowingly reporting false information and has not corrected it despite being informed of its inaccuracy. 

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 : XXXX has unlawfully shared my private financial information without my consent, violating my right to financial privacy. 

Despite my attempts to notify XXXX of the discrepancies and provide supporting evidence, the company continues to report this inaccurate information to consumer reporting agencies. This is damaging my credit reputation and financial opportunities based on information that is clearly false and unverified. 

Attached to this complaint is a copy of the letter I sent to XXXX XXXX XXXX, detailing every discrepancy and inaccuracy. Their continued failure to investigate and correct this misinformation is unlawful, irresponsible, and harmful.

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 2025-04-26 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: TX

Complaint narrative:
Charge me for a membership and then to update my credit scor which it had the wrong information I've told them this is a form of oppression and extortion because they keep reporting the wrong informasian with the other XXXX XXXX 's and other XXXX XXXX 's have the proper Information even a third party has the correct information But they refuse to fix 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 2025-04-26 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: AL

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

Company response to consumer: Closed with non-monetary relief