vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

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 2025-05-22 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: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit reports with Experian. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
The following is a list of unauthorized inquiries that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: NJ

Complaint narrative:
I AM A VICTIM OF XXXX AND THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT IS THE RESULT OF THE XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE FROM MY REPORT AND BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE SEND ME NOTIFICATION OF THE ACTION TAKEN IAPPRECIATE YOUR PROMPT ATTENTION IN THIS MATTER. 

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 explanation
Consumer complaint received 2025-05-22 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: AZ

Complaint narrative:
I recently send a complaint about a fraudulent account open under my name1. XXXXXXXX XXXX XXXX XXXXXXXX. This account was not removed and I would like you to reopen and send me proof of the measurement taken to state his account is legitimate. Please send the steps taken to proof this is mine. Otherwise remove immediately as it is hurting my consumer report for an account im not liable for.

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 2025-05-22 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: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I first discovered in all authorized transaction for Robin Hood on XX/XX/XXXX of XXXX. I withdrew {$390.00} to be the positive into my checking account and they took {$390.00} right back. I contacted my crediit union to no avail. When I spoke to the representatives of my credit union, I asked them to pay attention to the math because the numbers weren't adding up. According to the math, after the two transactions of {$390.00}, my account was missing {$390.00}. I thought it might have been something that I was missing since I wasn't receiving any assistance and so I let it go but it still lingered in my mind. 

On XX/XX/XXXX of XXXX, I discovered that Robin Hood withdrew {$330.00} in XXXX transactions without my permission. I then contacted my credit union about the issue, upon their investigation I looked at my checking account history with Robin Hood and XXXX they withdrew another {$200.00} on XX/XX/XXXX of XXXX. 

On XX/XX/XXXX of XXXX, another amount of {$400.00} was taken from my account during my fraud dispute with my credit union. This happened in XXXX separate transactions. XXXX was {$100.00} and the other one was {$300.00}. Both unauthorized. In total, Robin Hood took {$1600.00} out of my account unauthorized. 

My credit union handled those situations but the XXXX hasn't been retrieved. My credit union contacted Robin Hood somehow and Robin Hood submitted a screenshot of the XXXX transactions of {$390.00} as proof of an authorized transaction which isn't sufficient and doesn't show authorization. My credit union told me that I have to contact Robin Hood 's bank in order to retrieve my XXXX. Robin Hood doesn't make it so that you can contact them directly. The support that they suggest on their app is only a bot and can not handle anything complex or that isn't uniform. It's basically a FAQ bot.

The phone number that my credit union provided did not work and I'm not sure how they were able to contact Robin Hood. They did not offer any more assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Subject : Dispute of XXXX Late Payment Report Due to Incorrect Contact Information To Whom It May Concern, I am writing to formally dispute a XXXX late payment that has been reported on my credit history by XXXX. I was recently made aware of this report, and I believe it to be unjust and inaccurately communicated. 

XXXX did not notify me of the overdue balance because the contact information on fileboth my email address and phone numberwere incorrect. As a result, I was unaware of the delinquency until I finally received notice through alternate means. Upon receiving that notification, I took immediate steps to pay the balance. 

Furthermore, I would like to bring to your attention that I was enrolled in XXXX XXXX during this time. I was under the impression that this enrollment qualified for deferment or was otherwise reported appropriately. I was not informed that XXXX XXXX is not considered a college-credit institution in a way that would affect my student loan repayment or deferment status. 

Given the lack of proper notification and my prompt effort to resolve the matter once I became aware of it, I respectfully request that XXXX review this situation and consider removing or amending the late payment report from my credit history. I have always made it a priority to maintain good financial standing and take my obligations seriously, and I believe this situation is the result of miscommunication rather than negligence. 

I would appreciate written confirmation of your review and any corrective action taken. Please let me know if you require any additional documentation or information to support my request. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Subject : Dispute of XXXX Late Payment Report Due to Incorrect Contact Information To Whom It May Concern, I am writing to formally dispute a XXXX late payment that has been reported on my credit history by XXXX. I was recently made aware of this report, and I believe it to be unjust and inaccurately communicated. 

XXXX did not notify me of the overdue balance because the contact information on fileboth my email address and phone numberwere incorrect. As a result, I was unaware of the delinquency until I finally received notice through alternate means. Upon receiving that notification, I took immediate steps to pay the balance. 

Furthermore, I would like to bring to your attention that I was enrolled in XXXX XXXX during this time. I was under the impression that this enrollment qualified for deferment or was otherwise reported appropriately. I was not informed that XXXX XXXX is not considered a college-credit institution in a way that would affect my student loan repayment or deferment status. 

Given the lack of proper notification and my prompt effort to resolve the matter once I became aware of it, I respectfully request that XXXX review this situation and consider removing or amending the late payment report from my credit history. I have always made it a priority to maintain good financial standing and take my obligations seriously, and I believe this situation is the result of miscommunication rather than negligence. 

I would appreciate written confirmation of your review and any corrective action taken. Please let me know if you require any additional documentation or information to support my request. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-05-22 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: WA

Complaint narrative:
Subject : Dispute of XXXX Late Payment Report Due to Incorrect Contact Information To Whom It May Concern, I am writing to formally dispute a XXXX late payment that has been reported on my credit history by XXXX. I was recently made aware of this report, and I believe it to be unjust and inaccurately communicated. 

XXXX did not notify me of the overdue balance because the contact information on fileboth my email address and phone numberwere incorrect. As a result, I was unaware of the delinquency until I finally received notice through alternate means. Upon receiving that notification, I took immediate steps to pay the balance. 

Furthermore, I would like to bring to your attention that I was enrolled in XXXX XXXX during this time. I was under the impression that this enrollment qualified for deferment or was otherwise reported appropriately. I was not informed that XXXX XXXX is not considered a college-credit institution in a way that would affect my student loan repayment or deferment status. 

Given the lack of proper notification and my prompt effort to resolve the matter once I became aware of it, I respectfully request that XXXX review this situation and consider removing or amending the late payment report from my credit history. I have always made it a priority to maintain good financial standing and take my obligations seriously, and I believe this situation is the result of miscommunication rather than negligence. 

I would appreciate written confirmation of your review and any corrective action taken. Please let me know if you require any additional documentation or information to support my request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Receivable Management Group, Inc. (GA)
State: KY

Complaint narrative:
A company named Receivable Management Group is reporting a {$560.00} medical collection account to my credit report. I contacted them for information, and they directed me to a hospital phone number ( XXXX ) that is tied to XXXX XXXX XXXX in XXXX  a state I have never lived in or received treatment. 

This appears to be a case of mistaken identity or a mixed credit file. Ive sent a formal debt validation request demanding proof that this debt is mine. I have not received valid documentation or confirmation, yet the collection remains on my credit file. 

I am requesting that the CFPB investigate and that Receivable Management Group be required to remove this false account from my report immediately.

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 2025-05-22 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

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 2025-05-22 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: MI

Complaint narrative:
Experian failed to properly investigate my disputes and provided me with fraudulent investigation results. When speaking with Experian representative over the phone about this matter I am only told that the company or debtor only has to state that the debt in question is valid and no other proof is needed. Experian should not be able to validate my disputes as accurate without even investigating my claims.

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 2025-05-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX 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 XXXX. 

Account Name : XXXX  # XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is XXXX % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XX/XX/year> late fees charged when payment is attempted to be made on the day it's due but their system won't allow you to pay past XXXX XXXX XXXX XXXX. They are able to see the attempted to pay on the due date but still charge a late fee and won't waive the fee unless it's been XXXX  months since they last waived the fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 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: NH

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Saturn Systems, Inc
State: NV

Complaint narrative:
Saturn Systems , Inc is violating my rights by trying to collect a debt that they are not authorized or licensed in my state to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MA

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