vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
To Whom it May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. The transaction appears to relate to an apartment complex located in XXXX, Georgia. I have never lived in XXXX, Georgia. This is a clear result of identity theft. 


According to Law 15 U.S. Code $ 1681c-2 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, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION! 
The transactions that have been detected don't pertain to any transactions that I, the consumer, have made : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$11000.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX has violated my rights by reporting a late payment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, account to Paid as XXXX Never Late. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$32000.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX. XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ) Thank You

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I have a registration loan with this company and according to the manager XXXX as long as I made my payments on time the payoff balance would go down over time which it hasn't and now when I asked him questions about it he refused to give me more information and lied about what he told me because the payment schedule is online and I've been meeting all of them however the paid down balance has not gone down and now he's making up stuff. 
On top of that I put a complaint about the constant calls that I get from this company but I still keep getting them most recently today by a representative named XXXX or XXXX and they seem to disregard my complaint. 
I also believe that because I filed the original complaint this is them retaliating by making me pay more than I need to. I will notify FDCPA as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-21 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: VA

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 2025-04-21 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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: MS

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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: IN

Complaint narrative:
On or around XX/XX/XXXX our bank notified us that our credit score had significantly changed. When we investigated this we found that it related to 3 student loans that had been paused due to Covid in XXXX Apparently the loans were restarted in XXXX of XXXX but we never were notified and only found out that the loans were delinquent thru our bank. 

A major factor, we believe, for the communication problem was that the manager of our loan switched from XXXX to NelNet & Nelnet is now servicing the loan. Because it was a different company we did receive phone messages and emails that NelNet says they sent. We have spoken twice to NelNet ( on or about and they have been unhelpful. 

We changed our email in XXXX and were not using the previous email that XXXX had. Additionally, if NelNet called my phone number I likely did not answer because I had no idea who it was and according to NelNet they were using a dialer and never left messages. 

It seems NelNet did the bare minimum to attempt to contact me to let me know they were the new servicing agency ( never called and left a message, never sent a piece of mail ) and that the loan process had started back up from Covid. Now they have damaged my credit. NelNet said there was nothing they could do to change the credit report and seemed to not care much about ruining someone's credit. Additionally, they were pretty rude in how they handled it. 

I understand, as they said, that it was my responsibility to let them know my email had changed, however it had been over 3 years since the last payment was due and it seems only reasonable to understand things change and more could have been done to assist in communication. 

As soon as I knew the loans were considered in default I paid the amount due. Additionally, I had never made a late payment in all the time I had the loans. I strongly believe that with the unusual circumstances surrounding Covid and the stopping and starting of the loans over a significant period of time, that now that I understand they have begun again, I should be granted some grace. I would sincerely appreciate it if the report to the credit agency could be removed as I have not had a late payment or problem with my credit for over 20 years. I also believe NelNet did the bare minimum to contact me to restart the loans and this is unfair and while they can try and justify it- it quite simply is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited my {$1200.00} paycheck through the drive-thru ATM at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX on XX/XX/year> ( Receipt attached ). After two days, I visited the same branch and was told that my check was mistakenly deposited into the account of the customer who used the ATM before me. The branch staff started a dispute process to recover my funds. 

When I followed up about my dispute, I was shocked to learn that Bank of America had closed my account without giving me any reason and informed me I was banned from opening any future accounts with them. Despite numerous calls to customer service, I was told that I will not receive my paycheck until my account officially closes on XX/XX/year>. 

This delay is entirely unacceptable. I am currently unable to access the paycheck that I earned, and I am suffering financially as a result. This was clearly a bank error, and yet I am being punished for it. I urgently need access to my money, but Bank of America has refused to provide any meaningful help or resolution.

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 2025-04-21 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My private deemed information being reported is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXXMerchant ID: XXXX\nCompany: XXXX XXXX XXXX. (a subsidiary of Fiserv, Inc.)\nI am filing this complaint against Fiserv, Inc., parent company of XXXX XXXX for fraudulent, unfair, and deceptive practices involving the unlawful holding of XXXX in funds since XXXX XXXX XXXX  despite their contract explicitly limiting holds to 180 days and no chargebacks or disputes existing against me.\n\nOn XXXX XXXX XXXX XXXX XXXX terminated my merchant account, claiming it posed a "high risk of loss." I complied with all their documentation requests during the account review. After 92 days, I contacted their customer service to inquire about the release of funds. The experience was terrible:\n\n1- They hung up on me multiple times when I asked for a manager,\n\n2- Placed me on long holds,\n\n3- Refused to escalate or provide clear answers.\n\nWhen I finally spoke with someone, I was told that my funds would be held indefinitely  a direct violation of their contract. I had a legal expert review the agreement, and it does not authorize indefinite withholding under any circumstance. The contract explicitly limits the reserve hold to 180 days, not longer.\n\nTo distract from their obligations, XXXX XXXX also demanded that I return their equipment. I did so in good faith, shipping the terminal back on XXXX XXXX XXXX, with XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXXI also filed XXXX  Complaint #XXXX, and their response was insulting. They initially claimed they could not find my account  despite having my business name, email, and phone number. Later, they acknowledged the account under a slightly different DBA. This kind of excuse is unacceptable.\n\n Legal Violations:\n1- Violation of the Consumer Financial Protection Act (UDAAP)  unfair/deceptive practices,\n\n2- Breach of contract and bad faith under Florida law,\n\n3- Potential trust fund violations regarding unjustified withholding of funds.\n\n Next Legal Steps:\nIf my funds are not released by XXXX XXXX XXXX, I will:\n\n1-File a fraud and breach of contract lawsuit against XXXX XXXX XXXX XXXX Small Claims Court, or escalate against Fiserv, Inc. directly in a broader civil action,\n\n2-File complaints with the Federal Trade Commission (FTC) and XXXX XXXX the acquiring bank sponsoring XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX EquifaxXXXX XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX Equifax, and XXXX  I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ACCOUNTS LISTED BELOW ARE INACCURATE, PAST THE STATUE OF REPORTING ON CREDIT REPORTING * * EVERY LAST DEPT OF XXXX NEEDS TO BE REMOVED FROM MY REPORT!! 


XXXXXXXX XXXX XXXXXXXX * * Inquiries * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robin Hood Brokerage restricted my account. I went through they verification by sending my drivers license and a selfie to compare using their app service. I have had this account open for more than XXXX  years and use it to buy stocks and crypto. I tried to talk to their outsourced over seas team and could not make heads or tails of what they were saying. My account is restricted and I can not get to my money or trade. This company is robbing its investors and the general public by restricting access to personal funds with no resolve. They are even requesting my personal bank statements. Stay away.

Company response to consumer: Closed with explanation