vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-03 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood shows me a message on XX/XX/year> that they sold my stocks for {$7300.00}, and XXXX  {$83.00} but I did not give permission to do so. Robinhood also restricted my account so I can not redraw my {$8000.00} cash fund and {$500.00} XXXX XXXX. I have tried to contact Robinhood. On their support chats I explained my situation but the chat has ended without solution nether connected with an assistant. And I see there have been many other users having the same issue with them - Robinhood tempers their accounts and restricts users ' access to their money without explanation. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Brightwater Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Bright Water Capital XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Bright Water Capital, Re : Debt Collection Validate Request We hop e this letter finds you well. Our records indicate an outstanding balance owed to Bright Water Capital, as referenced by the account number ( # XXXX ), in the amount of {$3000.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt. 
3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within ( 10 ) days from the date of this letter to ensure proper review and resolution of the matter.

Failure to provide these documents may result in further actions in accordance with applicable laws.

I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 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: TX

Complaint narrative:
There is an account from XX/XX/year> XXXX  on my credit report and I have never had XXXX XXXX. They are saying it was charged off and in collections and I have reached out to the compnies lettign them know this is not 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company Information Transunion. Please the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bal. {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-03 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: MI

Complaint narrative:
I am writing to formally dispute the continued reporting of XXXX XXXX XXXX account number XXXX on my credit report. Per my previous dispute ( s ) and the outcome of your investigation ( s ), this account was determined to be inaccurate/unverifiable/erroneous, and I was informed that it would be deleted. However, as of my most recent credit report, this account remains on file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), credit bureaus are required to delete or correct inaccurate or unverifiable information within 30 days of a dispute. Since you have already determined that this account should be deleted, I demand immediate compliance with this requirement.

Action Requested : 1. Immediately remove the [ account from Experian, Equifax, XXXX 2. Provide written confirmation that the account has been permanently deleted. 
3. Update and send me a new copy of my corrected credit report. 

Failure to comply with this request may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as provided under the FCRA.

I have attached copies of my previous dispute letters and any responses I received for your reference. Please correct this issue immediately and confirm compliance in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 HAVE BEEN AFFECTED BY THE 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. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
There is an account from XX/XX/year> XXXX  on my credit report and I have never had XXXX XXXX. They are saying it was charged off and in collections and I have reached out to the compnies lettign them know this is not 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 2025-02-03 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: TN

Complaint narrative:
Experian continues to send stall letters and never provides updates to my credit file. 

I am applying for a mortgage and have asked them to provide an updated report removing incorrect payment history and remove old outdated information.

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 2025-02-03 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: NY

Complaint narrative:
Opened an investigation into incorrect data on my credit report. The investigation was not thoroughly researched.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App Money was not available when promised. And I could not reach a Person to talk with to address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Complaint Against Citibank Unfairly High Interest Charges I am filing this complaint against Citibank regarding the excessive interest charges applied to my Citi credit card. In XXXX, I was charged {$180.00} in interest fees, and in XXXX, I was charged an additional {$60.00}. The APR applied to my account exceeded 21 % in XXXX and 22 % in XXXX, which I believe is exorbitant and unreasonable. 

Despite having auto-pay set up to ensure timely payments every month, Citibank continues to charge me at an extremely high rate, making it difficult and unaffordable for me to pay off my balance. I reached out to Citibank to dispute these charges and request a waiver or reduction in the interest rate, but they refused to offer any relief. 

I believe these interest rates are unfair and predatory, particularly for a loyal customer making consistent payments. I am requesting the CFPB to review this matter and intervene to ensure fair lending practices. 

Thank you for your time and assistance.

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 2025-02-03 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint against Chime related to an unauthorizedtransaction dispute that has not been resolved satisfactorily. Below are the details : Financial Institution : Chime Account Number Ending : XXXX Claim ID : XXXX Date Error Reported : XX/XX/year> Claim Amount : {$9500.00} Nature of the Complaint : Denial of unauthorizedtransaction claim, despite my assertion and supporting information that the transaction was not authorized. 
Background On XX/XX/year>, I reported to Chime that {$9500.00} in transactions had been made on my account without my authorization. I followed all of Chimes procedures for disputing this transaction and provided any information they requested during the course of the investigation. However, I received a letter from Chime stating that, based on their investigation, no error had occurred and that no funds would be credited to my account. 

Why I Believe the Denial Is Incorrect Lack of Authorization : The transaction in question was not initiated or approved by me. I have no record of granting permission or access for this transaction. 
Investigation Concerns : I have requested, but not received, sufficient documentation or an adequate explanation of how Chime reached its conclusion. I am entitled to copies of the documentation used in their investigation, per Regulation E ( Electronic Fund Transfer Act ).

Potential Violation of Regulation E : I believe Chime may be violating Regulation E by not fully investigating my claim or providing appropriate provisional credit while they conducted their investigation, and by failing to provide the evidence used to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, and XXXX  XXXX regarding unauthorized credit accounts fraudulently opened in my name due to identity theft. Despite my efforts to dispute these accounts and request their removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), the institutions have failed to act appropriately. 

Background of the Issue : On XX/XX/XXXX, I became aware that five unauthorized credit card accounts had been fraudulently opened in my name : Three ( 3 ) accounts with XXXX ( {$6500.00} ), ( {$6200.00} ), ( XXXX ) totaling ( {$15000.00} ) XXXX ( XXXX ) account with XXXX XXXX XXXX ( {$6900.00} ) XXXX ( XXXX ) account with XXXX  XXXX opened XX/XX/XXXX ( {$6600.00} ) I did not apply for these accounts, nor did I authorize anyone to do so. 
As soon as I became aware of the identity theft, I took the following actions : Filed an identity theft report with the Federal Trade Commission ( FTC ). 
Contacted the credit bureaus and requested fraud alerts and credit freezes. 
Sent written disputes to XXXX, XXXX XXXX, and XXXX  XXXX, along with a copy of my FTC Identity Theft Report and a request to block the fraudulent accounts as required under FCRA 605B. 
Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) : Pursuant to the Fair Credit Reporting Act 605B, when a consumer provides an identity theft report, credit reporting agencies and furnishers of fraudulent account information are required to block the fraudulent information from appearing on the consumers credit report. Despite my submission of the necessary documentation : XXXX, XXXX XXXX, and XXXX XXXX failed to remove the fraudulent accounts. 
The credit bureaus have not blocked these fraudulent accounts 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 2025-02-03 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 2025-02-03 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: GA

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

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