vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I have 5 missed payments to old in to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
After opening my Robinhood account I made a deposit of {$2000.00} and Robinhood gave me a credit of {$2000.00} to use so I can start buying stocks and XXXX which I did use it to buy {$200.00} XXXX. I made another deposit of {$5000.00} and a couple days later Robinhood informed me they have restricted account and I need to send over my bank statement so I can have access to my Robinhood account and I did! Robinhood then informed me that even thought I sent over the bank statement they ask me for they will not release my funds!!! I have emailed the them over and over and over. They made it very hard for me to upload the bank statement and made sure I didnt have a phone option in the help center only email contact to speak to a representative!!!! I uploaded and emailed them the bank statement they asked for. It clearly a shows the deposit information for the 2 transactions I did and they still wont give me my money!! They are trying to scam people out of there money!!! I just want them to send me my money they already closed my account! They have no reason to hold onto my fund because the account is closed and I sent over the documents they request! This is unfair and unjustified of them to hold onto other peoples money after closing their account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: PA

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 : XXXX  XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include
any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: PA

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 : XXXX  XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include
any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian due to their failure to provide adequate customer service and resolution regarding the removal of a dispute from my credit report.

I previously disputed an account on my credit report, and now that the matter is resolved, I am trying to have the dispute status removed. However, Experian has not provided any means to speak with a live representative to process my request. I have attempted to contact Experian multiple times via their online dispute center and customer service phone number but have been unsuccessful in reaching a representative to assist me.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and Experians failure to address my request is negatively impacting my credit profile. I am requesting CFPB 's assistance in ensuring Experian properly processes my request and allows me to remove the dispute status 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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On the XXXX of XXXX I was my card then they blocked my card and I verified my transaction and it kept happening for two more days and finally on the XXXX of XXXX they told me that they couldnt verify me with my number in the account and they were gon na send me a reference code in the mail so I waited for seven business day and then on the XXXX of XXXX I went to the bank and verified it was my account with my license and they said they couldnt unblock my account with my id and they barley sent the letter with reference code in the XXXX of XXXX and I have to wait 5 to 9 business days when they told me on the XXXX that they sent it and I have to wait 5 to 7 days and I told them I needed access to my money cause I got bills and have to feed my siblings and Im showing my id saying its my account and they told me they couldnt do nothing and I told them what am I suppost to do with no money when basically Im showing id and why they couldnt verify my number that is on my account. This bank is with Citibank in California

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 2025-03-25 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: TX

Complaint narrative:
I am disputing inaccurate reporting of a charged-off XXXX XXXX XXXXXXXX credit card account. I have noticed multiple factual errors being reported by both TransUnion and Experian : Account Opening Date : TransUnion reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. 
High Credit : TransUnion lists {$1300.00}, while Experian incorrectly shows {$0.00}. 
Last Activity Date : TransUnion lists XX/XX/XXXX, and Experian lists XX/XX/XXXX. 
Last Payment : Both bureaus report a payment on XX/XX/XXXX, which is false. I did not make any payment on that date. 

These discrepancies are misleading and violate the accuracy standards under the Fair Credit Reporting Act ( FCRA ). I have previously disputed this information directly with the credit bureaus, but they failed to properly investigate and correct the errors. I am requesting the CFPB to initiate an investigation and require the credit bureaus to verify or remove the incorrect data from my credit reports.

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 2025-03-25 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally request the removal of hard inquiries and negative which includes items not related to me that are listed on my credit report by the Fair Credit Reporting Act, specifically 15 USC 1681. Upon reviewing my credit report, I have identified several hard inquiries and negative items that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act, I have the right to dispute any information that does not meet the legal standards for accuracy. I kindly request that you investigate these inquiries and negative items and remove them from my credit report if they are found to be unverifiable or otherwise inaccurate. Please provide me with written confirmation of your findings and any actions taken regarding my request. Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation. Sincerely,

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-25 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: PA

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-25 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: AZ

Complaint narrative:
Equifax, Experian & TransUnion all say they are getting Bankruptcy information for XXXX Bankruptcy Court PA when I have already provided them PROOF that the court is not reporting it. 
XXXX XXXX clams their source is XXXX  reporting it, therefore the information on my reports in INACCURATE. 
Please remove IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management - {$1300.00} Subject : Formal Dispute of Unauthorized Debt Request for Immediate Removal To Whom It May Concern, I am formally disputing the account reported by Midland Credit Management on my credit report. I have no knowledge of this debt and have never signed any contract or agreement with Midland Credit Management. No legally binding contract exists between me and this company.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am asserting my rights and requesting the immediate removal of this account for the following reasons : No Contractual Obligation I have never entered into any agreement, written or otherwise, with this reporting agency. Without a valid contract, they have no legal claim to report this debt under my name.

Failure to Provide Verification Despite my request, they have failed to provide a legally binding, signed contract proving my liability for this debt.

Inaccurate and Unverified Reporting Since no contract exists, this debt is unverified and should not appear on my credit report.

Legal Notice of Response Deadline Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, you are required by law to complete your investigation within 30 days from the date of this dispute. If you fail to verify this debt with proper documentation within this timeframe, you must immediately remove this account from my credit report. 

Please provide written confirmation of the results of your investigation and the deletion of this account upon completion. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau investigate the following companies for prolonged inaccurate reporting and failure to resolve disputes in compliance with the Fair Credit Reporting Act ( FCRA ) : Ally Financial XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has re-aged the account multiple times by altering the original delinquency date, which violates FCRA reporting standards. This has caused the account to remain on my credit report longer than legally allowed. Despite disputes, the re-aging issue persists and continues to harm my credit. 

XXXX XXXX XXXX XXXX reported inaccurate balances and payment history for over 5 years. When I contacted them directly and requested correction or escalation, I was met with resistance, even from supervisors who told me there was nothing they could do. 

It wasnt until I disputed the account directly with the credit bureaus that the reporting was finally corrected. XXXX failed to take ownership or properly investigate the matter for years, despite obvious inaccuracies. Their delay and lack of cooperation have caused significant, long-term damage to my credit profile. 

Ally Financial Ally Financial incorrectly reported my account as charged off when the loan had actually been paid off in full. They also continued reporting a balance that did not exist. I attempted to resolve this with Ally directly, but they failed to correct the issue. Only after I filed a dispute through the credit bureaus was the account finally updated to reflect the accurate status. 

This misreporting by Ally had a damaging impact on my credit and should never have occurred in the first place. 

I am requesting CFPB assistance in reviewing these accounts and holding the responsible parties accountable for their reporting violations. The prolonged inaccuracies, failure to respond appropriately to disputes, and resistance to correction are in direct violation of my consumer rights. 

I am able to provide supporting documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I've recently reviewed my credit report and saw information that does not belong to me. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: United PanAm Financial Corp.
State: CA

Complaint narrative:
I am a United States XXXX XXXX. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, California Real ID and my XXXX  XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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