vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: AR

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 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 2025-05-01 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-01 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I accidentally transferred XXXX XXXX from my XXXX wallet to a wallet address publicly labeled as " Robinhood XXXX XXXX XXXX ''. The transfer was confirmed and successful on XXXX meaning the funds were received by a Robinhood-controlled wallet. 

However, because I did not use a deposit address directly generated in the Robinhood app, they refuse to credit the funds to my account or return them. I contacted customer service multiple times, shared clear evidence, and confirmed the receiving wallet is owned by Robinhood. Despite this, I received only canned responses saying the transaction is irreversible and that they can not recover the funds.

To be clear : The coins were not lost.

They were not sent to a third party.

They are verifiably sitting in Robinhoods own cold wallet.

Yet Robinhood refuses to do anything about it. No
investigation. No effort to help. No accountability. Just not our problem.

This is not how a responsible platform should treat its customers. I trusted Robinhood to handle crypto securely instead, they are holding my coins and refusing to return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I am not swayed that EQUIFAX has investigated this account properly. 
Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. 
Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both EQUIFAX and the creditors. Make sure to explain the outcome of your investigation about this account with the following accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the XXXX XXXX. Remove immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.. 

XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the XXXX XXXX. Remove immediately. 

XXXX XXXX DATE OPENED XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay. Remove immediately.

Bankruptcy chapter XXXX dismissed Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX A Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau, failure to provide accurate information should lead to immediate deletion on this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I authorized a {$5600.00} ACH payment from my checking account to pay my last statement balance on my Wells Fargo XXXX XXXX XXXX XXXX credit card. To my surprise, Wells Fargo withdrew the entire running balance of {$9300.00} from my checking account, while only crediting my card the original {$5600.00}. 

The {$3600.00} discrepancy was entirely unauthorized, and possibly fraudulent. Upon discovering this I contacted Wells Fargo who confirmed that there were two transactions, one for {$9300.00} and one for {$5600.00}. Wells Fargo representatives were unable to provide an explanation for the larger charge, but confirmed that they had received my funds. 

They are now researching how the charge was authorized, and refused to reverse the charge or credit my card account while this investigation is in process. Whether a result of some kind of bank system error or otherwise, this is unacceptable and unconscionable conduct from one of our largest national banks.

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 monetary relief
Consumer complaint received 2025-05-01 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 writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX  Balance {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$5000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXXXXXX 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 2025-05-01 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: NY

Complaint narrative:
Violations of Bill 5480 and Regulation V ( 12 CFR Part 1022 Fair Credit Reporting Act Implementation ) The reporting and furnishing of the above accounts violate Bill H.R. 5480, also known as the Medical Debt Relief Act and Consumer Financial Protection Enhancement Bill, which imposes strict limits on how any financial product linked to medical services, healthcare credit arrangements, or self-lending programs derived from therapeutic care may be handled, disclosed, or reported to credit bureaus. Under Bill 5480 : Furnishers are prohibited from reporting any account or tradeline derived from or tied to medical, therapeutic, or wellness-related services unless full informed consent and opt-in disclosures are provided at the point of origination. Any medical-linked financial productsuch as secured credit lines, self-lender instruments, or care-related credit productsrequires heightened compliance protocols, including proof that the consumer knowingly authorized the reporting and was not misled into commercial credit classification. The bill enhances consumer identity protection, making it a federal violation to use or report any data point connected to medical services without a HIPAA-compliant release and full verification of accuracy. In parallel, Regulation V ( 12 CFR Part 1022 ) which implements the Fair Credit Reporting Actrequires that : Furnishers and consumer reporting agencies must ensure the accuracy and integrity of the information they report ( 1022.42 ). Consumers must be given a clear and conspicuous notice regarding any adverse action or negative reporting, especially when involving sensitive or health-derived financial data. Data obtained or used without a legitimate purpose or permissible use under FCRA or Regulation V constitutes a furnishing violation and triggers the right to deletion, investigation, and civil liability. The accounts listed are suspected to be derived from or influenced by health-related financing activity and were reported without required disclosures, consents, or accurate identity validation, in direct breach of both Bill 5480 and Regulation V. As such, these violations form a strong basis for immediate deletion, enforcement complaints, and potential legal relief under civil and criminal statutes

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 2025-05-01 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:
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 2025-05-01 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: TX

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 2025-05-01 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : FCRA Violations by Experian, Equifax, and TransUnion Reporting Inaccurate, Unverified, and Unauthorized Information I am filing this formal complaint against Experian, Equifax, and TransUnion for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. These credit bureaus are reporting unauthorized, inaccurate, unverifiable, and reinserted information on my credit file despite my prior disputes and the presence of a fraud alert.

Violations Include : * FCRA 605B Reporting of fraudulent information without blocking after being notified * 15 U.S.C. 1681c-3 Failure to block identity theft information upon proper request * 15 U.S.C. 1681s-2 ( a ) ( 7 ) No documentation provided to verify I own or authorized these accounts * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted previously deleted data without proper notice or certification * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reported information * 15 U.S.C. 1681b Reporting inquiries and data without permissible purpose * 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance, resulting in consumer harm Items That Must Be Removed : Collections : * XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX  XXXX  XXXX XXXX XXXX  {$290.00} Hard Inquiries ( Unauthorized ) : * XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Accounts Reported Without Proof : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not authorized by me, I never signed or agreed to them, and no documentation has ever been provided. The accounts also contain inconsistencies, inaccurate balances, unverifiable payment history, and noncompliant Metro 2 fields.

Harm : Due to these violations, I have suffered : * Lowered credit scores * Denied access to fair credit * Emotional stress and financial harm * Ongoing reporting of fraudulent accounts despite a fraud alert on file Relief Requested : I request the CFPB to : 1. Investigate the conduct of each credit bureau and data furnisher 2. Ensure permanent deletion of all listed inaccurate and unauthorized information 3. Require the bureaus to provide an updated and corrected copy of my report 4. Take enforcement action for violations of federal law 5. Impose penalties for willful and negligent noncompliance under 1681n and 1681o

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 2025-05-01 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:
Subject : FCRA Violations by Experian, Equifax, and TransUnion Reporting Inaccurate, Unverified, and Unauthorized Information I am filing this formal complaint against Experian, Equifax, and TransUnion for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. These credit bureaus are reporting unauthorized, inaccurate, unverifiable, and reinserted information on my credit file despite my prior disputes and the presence of a fraud alert.

Violations Include : * FCRA 605B Reporting of fraudulent information without blocking after being notified * 15 U.S.C. 1681c-3 Failure to block identity theft information upon proper request * 15 U.S.C. 1681s-2 ( a ) ( 7 ) No documentation provided to verify I own or authorized these accounts * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted previously deleted data without proper notice or certification * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reported information * 15 U.S.C. 1681b Reporting inquiries and data without permissible purpose * 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance, resulting in consumer harm Items That Must Be Removed : Collections : * XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX  XXXX  XXXX XXXX XXXX  {$290.00} Hard Inquiries ( Unauthorized ) : * XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Accounts Reported Without Proof : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not authorized by me, I never signed or agreed to them, and no documentation has ever been provided. The accounts also contain inconsistencies, inaccurate balances, unverifiable payment history, and noncompliant Metro 2 fields.

Harm : Due to these violations, I have suffered : * Lowered credit scores * Denied access to fair credit * Emotional stress and financial harm * Ongoing reporting of fraudulent accounts despite a fraud alert on file Relief Requested : I request the CFPB to : 1. Investigate the conduct of each credit bureau and data furnisher 2. Ensure permanent deletion of all listed inaccurate and unauthorized information 3. Require the bureaus to provide an updated and corrected copy of my report 4. Take enforcement action for violations of federal law 5. Impose penalties for willful and negligent noncompliance under 1681n and 1681o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
As I was reviewing my credit report I noticed multiple accounts that has been open without my Permission And also multiple addresses showing on my credit report and along with a inquiries XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} MIDLAND CREDIT MANGEN XX/XX/XXXX {$570.00} XXXX XXXX XXXX  XX/XX/XXXX {$3000.00} XXXX XXXX XXXXXX/XX/XXXX {$520.00} XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
TransUnion is showing a late payment on an account with XXXX  ( account ending XXXX ), despite this account showing a {$0.00} past due balance. This appears to be inaccurate reporting and a mischaracterization of payment history, likely connected to erroneous data handling from a breach. As per 15 USC 1666b, creditors must apply payments and report history accurately and fairly. A {$0.00} balance should not coincide with derogatory payment history. This misrepresentation is severely impacting my credit standing without proper justification.

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 2025-05-01 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 am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Someone withdrew the entire amount of {$22000.00} from my savings money market account on XXXX XXXX with a fake signature and fake ID and withdrew it in cash. This looks like internal bank fraud. I went to the branch XXXX where I opened my account : XXXX XXXX XXXX, XXXX MA XXXX ( XXXX, fax : XXXX ), they refuse to help me. XXXX was really rude, it looked like all of them were involved in this fraud therefore they were not taking this seriously. I have been going to them for the last 1 month but there is no answer from them. I never withdrew a single XXXX from this account therefore I was not worried that much. Last month I went to collect bank statement and noticed money market account was missing so I questioned them and reported to the XXXX Police ( XXXX # : XXXX ). The bank still did not resolve the issue. Please help me to get my money back. 

XXXX Bank account number ending in XXXX. Claim number : XXXX

Company response to consumer: Closed with explanation