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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA, XXXX RE : FORMAL DEMAND TO REMOVE INACCURATE INFORMATION FCRA VIOLATION NOTICE To Whom It May Concern : This letter serves as a formal demand to immediately investigate and remove inaccurate and damaging information from my credit report. The disputed item ( XXXX ) are not only incorrect but are being willfully reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following account ( XXXX ) are being inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Inaccuracy : [ Insert clear reason This account is not mine. 

This inaccurate reporting is causing demonstrable harm to my credit reputation and interfering with my ability to secure financing. You are hereby notified that you are legally obligated to perform a reasonable and timely reinvestigation of this information. Under the FCRA, you have XXXX days from receipt of this letter to investigate and either verify, correct, or delete the disputed item. 

Failure to comply will constitute a willful violation of the FCRA. If the inaccurate information is not removed or corrected within the time allowed by law, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to pursue civil action to recover damages and attorney fees, as permitted under FCRA Section 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 


This is your final opportunity to correct this issue before legal action is initiated.

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: 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 2025-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
I was the victim of a sophisticated scam involving my Charles Schwab brokerage account. A fraudster spoofed Schwabs official phone number and claimed my account had been compromised. To verify, I called Schwab 's fraud department using the number on their websitewhile still on the phone with the scammerand was told the person I was speaking to was legitimate. 

Based on that false confirmation, I followed instructions to log in via a fake link ( phishing site ), unknowingly granting access to my account. The scammer reviewed real account activity with me and claimed a wire transfer had been flagged. 

I immediately received a transfer notification. The scammer said the alert was delayed. I became suspicious, hung up, and called Schwab againwhere I was told the previous rep had made a mistake and no Schwab employee was speaking to me. A wire transfer had already been completed, draining my account.

I requested a recall immediately, but Schwab has since refused to provide the transaction amount, recipient bank, confirmation of a recall, or any timeline. I was told their fraud team is very busy and that this is not a personal client base situation. 

I am now in financial crisis due to this breach and Schwabs mishandling. I am seeking accountability, a proper investigation, and full reimbursement due to the false information I received from Schwabs own fraud team that enabled this scam.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus.The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX {$1300.00},,, XXXX XXXX {$1200.00},,, XXXX XXXX {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have been locked out of my account after switching devices. I have provided the required documentation to verify identity and still have not been able to access my account. I have made several attempts to reach customer support and have been hung up on by the customer support number several times. Chat is only available in app which XXXX cant access and they do not provide an email address.

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: GA

Complaint narrative:
I submitted a formal dispute on XX/XX/year>, requesting verification under FCRA 609. No documentation was provided. 
Under FCRA 611, unverifiable information must be removed within 30 days. 
This XXXX loan remains on my report without legal proof, negatively impacting my credit.

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: 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: MS

Complaint narrative:
I contacted the company that falsely reported something on my credit report. They advised cfpd that they had already requested the item be removed. I disputed the account with Transunion and XXXX  because they did not remove it as requested by the company. Transunion and XXXX both, within XXXX hours, reported the account was verified which is a lie. I requested information as to how the investigation was conducted and by who and they refused to provide that information. This looks like a slam dunk class action as one was just awarded from XXXX  for the same thing. I have tons of proof.

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 — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Credit Control
State: CA

Complaint narrative:
The collector calls without any human contact, they called, i answered them but everytime there is nobody there to talk to me, its just silent, and they keep doing that the whole day, disrupting my work schedule.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent entries currently appearing on my credit report as provided by your bureau. These accounts and inquiries are unauthorized, fraudulent, and the direct result of a data breach in which my personal information was compromised. 

Let me be absolutely clear : I DID NOT authorize these accounts or inquiries. They are the product of identity theft, and I am demanding that they be investigated thoroughly and removed 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 non-monetary relief
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: EQUIFAX, INC.
State: PA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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: 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX for reporting a late mortgage payment in XX/XX/year> on my credit report, despite the account being set on automatic payments through my bank. 

At no time did I receive any notice by mail, email, phone, or billing statement that a payment was missed which violates multiple federal consumer protection laws including : 12 CFR 1024.17 ( k ) ( 4 ) ( RESPA ) requires timely notification of failed escrow or automated payments 15 U.S.C. 1681s-2 ( a ) ( FCRA ) prohibits reporting inaccurate or unverifiable information 12 CFR 1026.36 ( c ) ( TILA ) mandates prompt mortgage servicing communication This reporting is both inaccurate and damaging. I request : 1. Immediate removal of the inaccurate late payment from all credit bureaus 2. Copies of any alleged notifications or notices sent regarding this delinquency 3. A full investigation into XXXX XXXX XXXX XXXX compliance with federal mortgage servicing and credit reporting regulations If this is not resolved, I am prepared to escalate with a Notice of Intent to Sue under FCRA 1681n and 1681o, and pursue damages for negligent reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX for reporting a late mortgage payment in XX/XX/year> on my credit report, despite the account being set on automatic payments through my bank. 

At no time did I receive any notice by mail, email, phone, or billing statement that a payment was missed which violates multiple federal consumer protection laws including : 12 CFR 1024.17 ( k ) ( 4 ) ( RESPA ) requires timely notification of failed escrow or automated payments 15 U.S.C. 1681s-2 ( a ) ( FCRA ) prohibits reporting inaccurate or unverifiable information 12 CFR 1026.36 ( c ) ( TILA ) mandates prompt mortgage servicing communication This reporting is both inaccurate and damaging. I request : XXXX. Immediate removal of the inaccurate late payment from all credit bureaus XXXX. Copies of any alleged notifications or notices sent regarding this delinquency XXXX. A full investigation into XXXX XXXX XXXX XXXX compliance with federal mortgage servicing and credit reporting regulations If this is not resolved, I am prepared to escalate with a Notice of Intent to Sue under FCRA 1681n and 1681o, and pursue damages for negligent reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint againsXXXX XXXX XXXX XXXX XXXX  for reporting a late mortgage payment in XX/XX/year> on my credit report, despite the account being set on automatic payments through my bank. 

At no time did I receive any notice by mail, email, phone, or billing statement that a payment was missed which violates multiple federal consumer protection laws including : 12 CFR 1024.17 ( k ) ( 4 ) ( RESPA ) requires timely notification of failed escrow or automated payments 15 U.S.C. 1681s-2 ( a ) ( FCRA ) prohibits reporting inaccurate or unverifiable information 12 CFR 1026.36 ( c ) ( TILA ) mandates prompt mortgage servicing communication This reporting is both inaccurate and damaging. I request : 1. Immediate removal of the inaccurate late payment from all credit bureaus 2. Copies of any alleged notifications or notices sent regarding this delinquency 3. A full investigation into XXXX XXXX XXXX XXXX compliance with federal mortgage servicing and credit reporting regulations If this is not resolved, I am prepared to escalate with a Notice of Intent to Sue under FCRA 1681n and 1681o, and pursue damages for negligent reporting.

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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  # XXXX XX/XX/year> -- {$4500.00}

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-05-22 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: TN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation