vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
To Whom It May Concern, RE : Formal Demand to Correct and Update Personal Information Under the Fair Credit Reporting Act ( FCRA ) This letter serves as my formal dispute and demand for correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am exercising my legal right to accurate reporting and demand immediate correction of all inaccurate, outdated, and unverifiable personal information in your files.

Please Immediately Update My Correct Information : - Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my sole valid address. No other address is current, valid, or associated with me. 

Delete All Inaccurate, Obsolete, or Unverifiable Data : 1. Former or Incorrect Names : Any name variations other than XXXX XXXX XXXX must be permanently deleted. 
2. Inaccurate Addresses : Remove all addresses except my current one listed above. These addresses are no longer valid or never belonged to me. 
3. XXXX XXXX : Delete all listed employers from my file. I did not authorize or verify any employment information to be reported. Employment data is neither required nor relevant and must be removed immediately. 

Legal Notice of Intent to Sue : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are required by law to maintain maximum possible accuracy in your records and to reinvestigate and delete any information that is incomplete, inaccurate, outdated, or unverifiable.

If you fail to comply, I will seek {$1000.00} in statutory damages for each violation, as permitted by 15 U.S.C. 1681n and 1681o, and pursue all available remedies including litigation, injunctive relief, and attorneys fees. 

This letter puts you on official notice. You now have 30 days to complete the investigation and correct or delete the information, or you will be held liable.

Enclosed Documents for Verification : - Copy of government-issued photo ID - Proof of current address ( utility bill, lease, or bank statement ) - Social Security card or identifying document A full corrected copy of my updated credit report must be sent to me upon completion of your reinvestigation. I expect written confirmation of compliance. 

Govern yourselves 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 explanation
Consumer complaint received 2025-07-14 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: SC

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 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 2025-07-14 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: TX

Complaint narrative:
Dear CFBP, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Summary of Prior FCRA Dispute Requests Against Capital One Pursuant to 15 U.S.C. 1681i and 1681s-2 ( b ), we previously submitted formal disputes concerning inaccurate or incomplete information furnished by Capital One to one or more consumer reporting agencies. A dispute was sent on XX/XX/year> and received by Capital One on XX/XX/year>. Our request consistently demanded : Reinvestigation of Disputed Information ( 1681i ( a ) ) That Capital One conduct a reasonable reinvestigation into the accuracy of the specific items disputed within the statutorily mandated timeframe.

Deletion or Correction of Inaccurate Data ( 1681i ( a ) ( 5 ) ) That any unverifiable, inaccurate, or incomplete information be promptly deleted or corrected across all reporting platforms.

Duty to Report Results ( 1681i ( a ) ( 6 ) ) That Capital One provide timely written notice of the results of any reinvestigation.

Compliance with Duties of Furnishers ( 1681s-2 ( b ) ) That upon notice of a dispute from a consumer reporting agency, Capital One fulfill its duty to : Conduct a reasonable investigation, Review all relevant information provided, Report the results to the consumer reporting agency, Modify, delete, or block reporting of disputed information that is found to be inaccurate or unverifiable.

Limitation on Reporting ( 1681c ) Where applicable, that outdated or otherwise impermissible data be removed from any consumer report.

We have documented an effort to resolve these issues directly with Capital One, asserting our rights under the Fair Credit Reporting Act, yet inaccuracies have persisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I was alarmed to discover that my credit report has been accessed without my knowledge or authorization. Applications were submitted in my name, and companies pulled my credit report without my consent. I do not recognize these inquiries, nor did I apply to or engage with these entities. This is a clear violation of my rights as a consumer.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal written dispute and debt validation request via certified mail to Andreu , Palma , Lavin & Solis , PLLC concerning an alleged XXXX XXXXXXXX XXXX XXXXXXXX. credit card account. My letter included a detailed request for documentation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Florida consumer protection law. It also included a request for reasonable accommodation under the Americans with Disabilities Act ( ADA ), stating that I am autistic and require all communication to be in writing via U.S. Mail only.

I received a response from the firm on XX/XX/year>, that failed to provide any of the documentation I requested. Specifically, they did not provide a signed agreement, chain of title, full account history, proof of their clients standing to collect, Florida licensure, or a copy of the Fla. Stat. 559.715 notice. They only included a one-page summary and several billing statements, which are insufficient to meet FDCPA 1692g ( b ) validation standards. They also did not respond to or acknowledge my ADA accommodation request in any way.

I am preparing and sending a second certified letter reiterating my demand for full validation and warning that continued collection activity without proper documentation may constitute a violation of federal and state law. That letter also restates my ADA accommodation request. As of the date of this complaint, the firm has not provided an adequate response to my original XX/XX/year> dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
I am reporting several fraudulent accounts that were added to my credit reports without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted disputes to the credit bureaus and identified these as identity theft. Despite this, the accounts have not been removed. This violates my rights under the FCRA, including 15 U.S.C. 1681c-2 ( a ), 1681i ( a ), and 1681s-2 ( a ) ( 6 ). I am requesting immediate deletion and investigation.

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 2025-07-14 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: CA

Complaint narrative:
I am filing a formal complaint against Robinhood Financial regarding their handling of funds that were deposited into my account from my XXXX XXXX debit card. 

On XXXX XXXX XXXX, I made two instant deposits into my Robinhood account from my debit card, in the amounts of {$1100.00} and {$1700.00}, totaling {$2800.00}. I instantly added these funds to my available balance, but they have been on hold for over 7 days without any access or resolution. Since the initial deposit load, Robinhood Support has been reviewing my account. To speed up the process of transferring funds from my credit union to XXXX XXXX, I used my Robinhood account to facilitate it. Robinhood had my XXXX XXXX bank account on file for several months prior to the deposit. 

I have reached out to Robinhood Support multiple times and have only been told that the issue is being handled by a " back-end team, '' with no updates, resolution timeline, or explanation for the continued delay. This lack of transparency and accountability is unacceptable, especially as I urgently need these funds to pay my rent. 

Due to Robinhoods inaction and prolonged hold, I am now being forced to initiate a dispute with my bank ( XXXX ) to recover my funds. It is extremely distressing to have thousands of dollars withheld without justification, particularly when the money is needed for essential living expenses. I am requesting that the CFPB investigate this matter and assist in holding Robinhood accountable for its failure to make customer funds available within a reasonable timeframe. I am also requesting assistance in ensuring these funds are returned or made accessible without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The acount XXXX XXXX XXXXXXXX is a fraudent account opened with fraudulent access to my personal credit report. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
The acount XXXX XXXX XXXXXXXX is a fraudent account opened with fraudulent access to my personal credit report. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XXXX XXXX I notified Comenity bank/ TORRID account ending in XXXX that this account was opened fraudulently by someone other than myself without my permission, I did this by letter and included an Identity theft report through the FTC XXXX I received a letter from the merchant on XX/XX/XXXX stating when the account was opened, the balance and last payment of XXXX XXXX it also stated the phone number, mailing address and email they have were verified as information used to open the account, I then requested this information on XX/XX/XXXX which included the phone number, email, full mailing address where statement were sent and proof of the XXXX payment made on XX/XX/XXXX be sent to my address, the merchant has not responded to this request and continues to ignore my dispute of this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: AR

Complaint narrative:
I have disputed the debt with all 3 credit bureaus numerous times about XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I have inquiries on my report from banks from a dealership who did not have my permission to run my credit several times. I sent several letters to all 3 credit bureaus to have this information deleted. It just comes back verified with no information. This is not my debt. I need this deleted.

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 2025-07-14 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: AR

Complaint narrative:
I have disputed the debt with all 3 credit bureaus numerous times about XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I have inquiries on my report from banks from a dealership who did not have my permission to run my credit several times. I sent several letters to all 3 credit bureaus to have this information deleted. It just comes back verified with no information. This is not my debt. I need this deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve these items directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I submitted a dispute under 15 U.S.C. 1681i, notifying CITI that it was reporting inaccurate information on my 3 agency credit report. I requested that CITI, as a furnisher, conduct a reasonable investigation pursuant to 15 U.S.C. 1681s-2 ( b ), and correct or delete any information that was inaccurate, incomplete, or unverifiable.

Despite receiving notice, CITI failed to fulfill its obligations under 1681s-2 ( b ) ( 1 ) ( A ) ( E ) by continuing to report inaccurate data without proper verification or correction. This failure has resulted in repeated harm to my credit standing.

Requested Resolution Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) and 1681s-2 ( b ) ( 1 ) ( E ), I request that CITI : Permanently delete or correct the disputed account information across all consumer reporting agencies ; Provide written confirmation of the actions taken ; and Cease all future reporting of this data unless certified as accurate and complete. 

My attachment has all the relevant dates.

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 2025-07-14 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I filed a dispute with LexisNexis regarding an insurance claim that was incorrectly associated with my name. XXXX XXXX sent me a letter confirming that there is no claim filed under my name in their system. 

I contacted LexisNexis and filed a dispute, and I received a letter with a file number and PIN, but I have not been able to access the report or see the results of the dispute. Their website does not show a place to enter the PIN, and they have not sent me a printed report either. 

I also called many times and emailed LexisNexis, but I have not received a clear response or any confirmation that the dispute has been resolved or removed from my file. 

I am requesting that LexisNexis mail me my full consumer disclosure report and confirm in writing that the disputed item has been corrected or removed. 

Thanks,

Company response to consumer: Closed with explanation