vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. The following item ( XXXX ) contain factual inaccuracies regarding payment dates versus last activity dates : XXXX XXXX Discrepancy : The reported payment dates do not match the last activity dates, creating an inaccurate representation of my payment history. 

The reported payment dates do not accurately reflect the actual dates of activity on this account. This discrepancy creates an inaccurate representation of my payment history and could negatively impact my creditworthiness. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving my XXXX notice. If the information can not be verified, it must be deleted from my file as required by FCRA XXXX ( a ) ( XXXX ) ( A ) ( i ). 

After multiple investigations I am demanding a deletion 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 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. The following item ( XXXX ) contain factual inaccuracies regarding payment dates versus last activity dates : XXXX XXXX Discrepancy : The reported payment dates do not match the last activity dates, creating an inaccurate representation of my payment history. 

The reported payment dates do not accurately reflect the actual dates of activity on this account. This discrepancy creates an inaccurate representation of my payment history and could negatively impact my creditworthiness. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving my XXXX notice. If the information can not be verified, it must be deleted from my file as required by FCRA XXXX ( a ) ( XXXX ) ( A ) ( i ). 

After multiple investigations I am demanding a deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Issue : Incorrect information on credit report Company : XXXX XXXX XXXX XXXX ( or collector if different ) Description : XXXX I am disputing an account reporting on my Experian credit file from XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 602 A ( 1 ) and 611 ( 15 U.S.C. 1681i ), I am requesting a proper investigation and validation of this account.

The information reported is inaccurate and incomplete : The account shows a charge-off but continues to report a past due balance ( {$1100.00} ), which is misleading and not consistent with charge-off reporting guidelines ( FCRA 623 ).

The balance updates and status updates conflict, suggesting ongoing account activity after charge-off. 

There is no evidence of original creditor documentation verifying the accounts ownership, amount, or accuracy under my rights per 15 U.S.C. 1681g and 1681s-2 ( b ).

As this account can not be properly validated and is reporting inaccurately, I request the immediate deletion of this tradeline from my credit report.

Additionally, I request that the furnisher of the information provide all supporting documentation to substantiate the validity of the debt, including : Original signed contract Full payment history Charge-off and write-off details Ownership and transfer information, if applicable Failure to correct or delete inaccurate information violates my consumer rights under FCRA and will be reported accordingly. I respectfully request this matter to be reviewed and the inaccurate tradeline removed.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My account is restricted because of 1 reversal to one of my deposits, I was over the limit with my bank account that day. They are now holding almost XXXX dollars of mine and its already been a week. Ive emailed, called and am getting no where with Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Phone : XXXX Date : XX/XX/XXXX CENTRAL PORTFOLIO CONTROL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Toll Free : XXXX Fax : ( XXXX ) XXXX Hours of Operation : XXXX XXXX XXXX XXXXXXXX to XXXX ( XXXX ) XXXX  : XXXX to XXXX ( XXXX ) XXXX  : XXXX to XXXX ( XXXX ) Last reported to my credit : XXXX XXXX, XXXX RE : Formal Dispute of Fraudulent Accounts and Request for Documentation To Whom It May Concern, I am writing to formally dispute the inclusion of certain accounts or leases on my credit report that I believe to be the result of identity theft. These accounts were opened without my authorization following a burglary at my apartment in XX/XX/XXXX, during which my identity documents, valuable possessions ( including my passport ), were stolen. 

Despite notifying the relevant parties ( including the property XXXX ) about the identity theft and providing the necessary documentation, I have not received any proof of my signature on any official documents associated with these accounts. I am requesting that you obtain/provide verified copies of any signed agreements or documents allegedly bearing my signature. 

As these accounts were fraudulently opened, I respectfully request that they be thoroughly investigated and removed from my credit report. Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ), and I ask that you respond within the legally required timeframe. 

Attached you will find a copy of my government-issued ID, police report, and any other supporting documentation. Please contact me at your earliest convenience should you require any additional information. The police report will even show that my devices and accounts were hacked, and they also threatened to extort me for nudes and send them to my family if I did not give them {$10000.00} within XXXX hours. I almost thought about committing suicide at that point, but I know I can be stronger than that. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 2025-04-28 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate.

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 2025-04-28 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. EQUIFAX is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX * * * Balance Owed : {$160000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I am filling to formally address discrepancies noted on my credit report and respectfully request a fair and thorough resolution.

Please review and verify the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to ensure my report accurately reflects the truth. 

Specifically, I request a detailed review and reinvestigation of the following items : XXXX XXXX XXXX XXXX XXXX BALANCED {$94.00} XXXX XXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$1300.00} XXXX  XX/XX/year> XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I am filling to formally address discrepancies noted on my credit report and respectfully request a fair and thorough resolution.

Please review and verify the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to ensure my report accurately reflects the truth. 

Specifically, I request a detailed review and reinvestigation of the following items : XXXX XXXX XXXX XXXX XXXX BALANCED {$94.00} XXXX XXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$1300.00} XXXX  XX/XX/year> 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 explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
I am filling to formally address discrepancies noted on my credit report and respectfully request a fair and thorough resolution. 

Please review and verify the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to ensure my report accurately reflects the truth. 

Specifically, I request a detailed review and reinvestigation of the following items : 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/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 2025-04-28 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: OH

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized hard items, which constitutes a violation of FCRA 604 ( a ) as the items was made without my written consent or any permissible purpose ; since I was a victim of identity theft, I request that you immediately remove these items, and that you notify the entity who made it of my dispute and the reason behind it. 

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 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 explanation