vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are currently being reported as if they are active and impacting my current payment history, but these account are closed.Closed accounts shouldnt be reporting monthly if their closed so I need tham to be removed for current payment history since they are closed

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 2025-04-27 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: Self Financial Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-27 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-27 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TN

Complaint narrative:
On XX/XX/year> my Robinhood XXXX account was locked after I deposited money from my XXXX XXXX bank account. I contacted support and was told sometimes the security was sensitive and would lock people out. I then gave them the benefit of the doubt that this would be a non-issue since all of my information I provided, several times throughout all of this, including ID, ( drivers license front and rear ) and multiple selfies from various angles to provide further verification. I also had to include bank statements from my bank from XXXX, which I provided as well. My issue is they are delaying the time to review and unrestricted my account until further notice. Their latest email contains what is an admittance that they do not have a set time where they will get my account back to me. I am including screenshots of emails that have been shared. Not a single custom support team has been any help and they constantly repeat the same thing. I need that money that is lawfully mine returned and/or made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
To Whom It May Concern : This letter concerns the accounts reported by XXXX Bank, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports, I have identified multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and federal guidelines, affecting both accounts as outlined below : 1. False Reporting of the Date of First Delinquency ( DOFD ) Violation of 15 U.S.C. 1681c ( a ) ( 4 ) : Both accounts show the first delinquency occurring in XXXX, based on payment histories indicating XXXX, XXXX, and XXXX late payments starting in XXXX. Despite this, XXXXXXXX XXXX reported the Date of First Delinquency incorrectly as XXXX, unlawfully extending the negative reporting period. This constitutes re-aging of derogatory information, a clear violation of the FCRA. 



2. Illegal Re-Aging of the Accounts Violation of Metro 2 Standards : According to Metro 2 standards, the Date of First Delinquency must correspond to the first missed payment that was never subsequently brought current. XXXX XXXX re-aging of the XXXX XXXX and XXXX accounts by falsely shifting the DOFD to XXXX directly violates Metro 2 reporting guidelines and federal law. 



3. Retaliatory Charge-Off Updates During Active Disputes Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 15 U.S.C. 1681s-2 ( b ) : After I lawfully disputed both accounts due to inaccuracies, XXXX XXXX improperly updated the statuses of both accounts to Charge-Off during the pendency of the disputes, without correcting the original DOFD errors. 
Updating an account to a more derogatory status during an active dispute, especially without correcting the initial inaccurate information, constitutes retaliation and violates the FCRAs requirement for reasonable investigation and good faith resolution. 



4. Failure to Conduct a Reasonable Investigation Violation of XXXX XXXX. XXXX ( b ) : Despite clear evidence presented during the disputes regarding the true dates of first delinquency, XXXX XXXX failed to correct the inaccurate reporting for either account. Instead, they escalated the derogatory status without lawful basis, proving that no reasonable investigation was performed as required by 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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
MY INFO WAS FOUND IN VARIOUS DATA BREACHES. THIS ACCOUNT IS INCORRECTLY REPORTING AS OWNED BY ME.. I WANT THIS ACCOUNT REMOVED IMMEDIATELY FROM REPORTING TOI MY ACCOUNT XXXX XXXXXXXX Credit usage 81 % Balance {$610.00}. 

Balance updated XXXX XXXX, 2025 Credit limit {$750.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

Account info Account number 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian for failing to ensure the accuracy of information on my credit report and for not adequately addressing my dispute regarding multiple inaccurate derogatory items and an incomplete bankruptcy record. On XX/XX/year>, I mailed a dispute letter to Experian, including copies of my government-issued ID, Social Security card , and proof of address to verify my identity, as required under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these issues, Experian has not corrected the inaccuracies, prompting me to seek your assistance to enforce my consumer rights.

The following items on my Experian credit report contain inaccurate or incomplete information : XXXX XXXX XXXX XXXX ( Account # XXXX ) : This account inaccurately reports late payments and/or charge-off status that do not align with my payment history. I dispute the validity of these derogatory marks, as they are inconsistent with my records. 
XXXX XXXX ( Account # XXXX ) : This account contains inaccurate derogatory marks, including charge-off status, which do not match my payment records XXXX XXXX ( Account # XXXX ) : This account contains inaccurate derogatory marks, including charge-off status, which do not match my payment records XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX XXXX This account inaccurately reports late payments or other negative information that is inconsistent with my account activity, requiring correction. 
XXXX XXXX XXXX ( Account # XXXX ) : This account contains inaccurate derogatory marks, including charge-off status, which do not match my payment records. 
XXXX, XXXX XXXX XXXX ( Account # XXXX ) : Public Record Bankruptcy : Court Name : US Bankruptcy Court in XXXX Reference Number : XXXX Issue : This bankruptcy record is incompletely reported, lacking accurate details or context, which misrepresents my financial history. I dispute its inclusion in its current form and demand its permanent removal. 
Under the FCRA, Experian is obligated to conduct a reasonable investigation of disputed items and ensure the accuracy of information reported. My dispute letter, sent on XX/XX/year>, clearly outlined these inaccuracies and included sufficient documentation to verify my identity, yet Experian has failed to correct or remove the disputed items. The presence of these derogatory marks and the incomplete bankruptcy record is causing me significant harm, including potential damage to my creditworthiness.

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 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/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 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 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 2025-04-27 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up complaint regarding Equifaxs mishandling of my original CFPB complaint ( Case # XXXX, filed XX/XX/XXXX ). 

Equifax previously responded to my dispute by " verifying '' the accounts ( Confirmation # XXXX and # XXXX ), confirming they were able to identify me. 

Later, Equifax falsely claimed they could not verify my identity in response to the CFPB complaint, despite already having validated my identity and responded to my certified disputes in writing. 

I provided my drivers license, utility bill, and proof of delivery via XXXX XXXX Mail in XX/XX/XXXX. 

XXXX refusal to conduct a proper reinvestigation constitutes violations of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure to properly investigate once notified FCRA 1681n and 1681o : Willful and negligent noncompliance I request the immediate deletion of the disputed late payments from the XXXX XXXX Card, Upstart, and XXXX XXXX XXXX XXXX XXXX my Equifax file XXXX or full production of the verification documentation originally relied upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I deposited my company issued paycheck to my USAA account on Friday XX/XX/XXXX through the USAA App. The app said that my funds would be held until XX/XX/XXXX, which is two weeks. There is absolutely no reason a paycheck should be held this long. How am I supposed to pay for groceries, bills, gas, etc if I dont have access to my paycheck? On one phone call, a representative even admitted that it takes one business day to verify the funds are available on the side writing the check. So, why is the hold so long? I need access to my paycheck.

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 2025-04-27 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: MO

Complaint narrative:
On XX/XX/XXXX I obtained a loan from XXXX to purchase tires at XXXX. On XX/XX/XXXX. XXXX, while in the process of purchasing a home I was notified this account was reported on my credit bureau. When obtaining the loan the company advised this did not affect my credit and would not be reported unless I defaulted on the terms ( see below ). Upon finding out about this account being reported, I paid the account in full and closed it out immediately On XX/XX/XXXX. XXXX. Attempts made to contact the company to resolve ( delete account ) via customer service was unsuccessful due to language barrier of customer service representative. 

Per the truth in lending loan disclosure, this account should have never been reported. I did not receive notice by this company that they had changed their policy. If so, I would have requested the option to pay immediately and close. 


PLEASE SEE TRUTH IN LENDING LOAN DISCLOSURE BELOW THAT I RECEIVED WHEN OBTAINING LOAN. 

XXXX Credit Reports and Monitoring.

You authorize the Loan Holder or its representative to obtain consumer credit reports about you on an ongoing basis until your obligations under this Agreement are satisfied. The Loan Holder or its representative may report information about your loan to the credit bureaus. Late payments, missed payments or other defaults on your loan may be reflected in your credit report and may impact your credit score ( e.g. XXXX  score ).

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 2025-04-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was offered a balance transferred check by Chase on my credit card which had a zero balance. I used one of the checks making it out for {$4900.00} and sent it to XXXX. XXXX accepted the check and credited towards my balance on their account, but then took it off after a couple days saying that the check had insufficient funds .. the reason the check had insufficient funds is because my credit limit was {$5000.00} on the Chase account and I was not factoring in a fee they would charge me to use the balance transfer check therefore the check was over the limit in the meantime, discovered did not use the {$4900.00} and Chase is still charging me as if XXXX accepted it. I now have a balance at Chase because of this transaction, but the money was never used and I should not have it on my account. Who has my money? Chase or XXXX because I now have a balance on my Chase card account of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Late Payments on Credit Report ServiceMac Account To Whom It May Concern : I am submitting this complaint regarding the inaccurate reporting of XXXX late payments by XXXX on my credit reports maintained by XXXX, XXXX, and XXXX. 

The late payments in question are being reported as 30 days late for XX/XX/year> and XX/XX/year>. I have filed proper disputes regarding this inaccurate information both with the credit reporting agencies and directly with the creditor, XXXX. Despite following the correct dispute process and allowing the appropriate time for investigation, the late payments remain on my credit reports without correction. 

This continued reporting of inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies and to correct and update any information they determine to be incomplete or inaccurate.

The inaccurate reporting is causing me significant harm, including negatively affecting my credit standing. I respectfully request that the CFPB intervene in this matter to ensure that XXXX and the credit reporting agencies correct or delete the inaccurate late payment entries from my credit file.

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