vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, Robinhood placed a Pattern Day Trader ( PDT ) restriction on my account, despite my belief that I had not violated the PDT rule. I submitted all required identification and bank statements, but my account remains restricted, and I am unable to access my funds. Additionally, I can not log into my Robinhood account on my XXXX, which prevents me from managing my portfolio and finances. 

I reached out to Robinhoods support team via email on XX/XX/scrub>XXXX XXXX detailing my situation and requesting the removal of the PDT restriction and assistance with regaining access to my account. However, I have not received any response or resolution from them, despite my follow-up. 

This situation is causing significant hardship as I am unable to access my account to manage my finances, which is especially challenging due to my recent medical history and recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Re : Formal Notice of Inaccurate and Legally Noncompliant Account Reporting Furnisher : Midland Credit Management Account Number : XXXX To Whom It May Concern : This letter serves as a formal dispute and legal notice concerning the continued reporting of an invalid, inaccurate, and noncompliant collection account by Midland Credit Management on my credit report. I am demanding its immediate deletion under the Fair Credit Reporting Act ( FCRA ).

Material Violations Include : Inaccurate Account Open Date The open date of XX/XX/scrub> 2022 improperly re-ages the debt. This violates FCRA 623 ( a ) ( 5 ) and can mislead any lender evaluating credit age.

Incomplete/Misleading Payment History Data unavailable months and
inconsistent reporting patterns violate Metro 2 guidelines and FCRA 607 ( b ) by providing misleading and partial data.

Lack of Dispute Notation If disputed previously, the absence of the required notation violates FCRA 623 ( a ) ( 3 ) and FTC guidelines.

No Balance Breakdown A {$460.00} balance is reported without disclosing itemization of principal, interest, or fees. This violates FCRA 609 ( a ) ( 1 ).

You are now on legal notice : Under FCRA 611, I am invoking my right to a reinvestigation. If Midland Credit Management can not verify full compliance with federal law, the account must be deleted from your reporting system.

I am documenting this violation and will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and file complaints with the state Attorney General unless this account is removed within 30 days of your receipt of this letter.

No response, or a generic verified notice, will be considered an admission of liability and evidence of willful noncompliance.

This is your final opportunity to correct this file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Information under 15 U.S.C. 1681s-2 and 1681e ( b ) To Whom It May Concern : I am writing to formally dispute inaccurate information that is being reported on my credit report. This letter serves as a notice under 15 U.S.C. 1681i, as well as to remind you of your obligations under 15 U.S.C. 1681e ( b ) and/or 15 U.S.C. 1681s-2. 

The item ( s ) in question are : Creditor/Furnisher Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccuracy : THIS ACCOUNT HAS BEEN DEEMED AS A PROFIT LOSS AND REPORTED DIRECTLY TO THE IRS AND IT CAN NOT BE UPDATED AS A DELIQUENCY. 

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. The above item is inaccurate and is causing harm to my credit profile. Additionally, if you are a furnisher of this information, under 15 U.S.C. 1681s-2 ( b ) you are required to conduct a reasonable investigation upon notice of a dispute and correct or delete any inaccurate or unverifiable information.

I request that you conduct a full and prompt investigation into this matter and that you : Verify the accuracy of the information ; Delete or correct the inaccurate or unverifiable entry ; Provide me with written confirmation of the results of your investigation ; Send an updated report to all credit reporting agencies to which you have reported this data. 

Please consider this a formal dispute and act accordingly under federal law. If I do not receive a satisfactory resolution within 30 days, I will consider further action seeking legal remedy. 

Sincerely, 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 2025-05-24 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: CA

Complaint narrative:
I am disputing the inaccurate reporting of late payments for my auto loan with XXXX XXXX XXXX, account # XXXX. This account has been delinquent for an extended period, exceeding the typical 120-180 days after which the Federal Deposit Insurance Corporation ( FDIC ) expects auto loans to be charged off as a prudent banking practice for loss recognition. 
Despite this extended delinquency, XXXX XXXX XXXX continues to report ongoing late payments. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information : Reporting ongoing late payments on a loan that should be charged off misrepresents its true status.

* 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty to correct and update information : The lender has failed to update the account status to reflect its severely delinquent nature and the expectation of charge-off per FDIC guidelines. 
I request an immediate investigation and correction of this inaccurate information. Please remove the incorrectly reported late payments. Enclosed is a copy of my credit report highlighting this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am currently in the process of enlisting in the XXXX XXXX military. As part of my background and financial review, I discovered that your company has reported one of my accounts as a charge-off/profit and loss write-off. However, I have not received a 1099-C form, which is required by the IRS if a debt of {$600.00} or more has been canceled or forgiven.

Furthermore, despite this charge-off status, the account continues to be updated monthly on my credit report as if it were active and still owed. This practice is misleading and may constitute inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA : 15 U.S.C. 1681s-2 prohibits the furnishing of inaccurate information to credit reporting agencies.

15 U.S.C. 1681e ( b ) requires furnishers to ensure maximum possible accuracy in reporting.

I am formally requesting that you : Provide written documentation verifying the current status of the account.

Send the appropriate 1099-C form, if applicable.

Cease all inaccurate or misleading monthly updates.

Provide a written response confirming any corrections made.

This information must be provided within 15 days of the date of this letter in order to comply with FCRA guidelines. Please consider this a formal dispute of the information currently being furnished.

Failure to comply may result in further action. Under the FCRA, I may be entitled to statutory damages if a creditor furnishes inaccurate information about a debtsuch as reporting a charge-off while still claiming the debt is owed and updating it monthly.

Thank you for your prompt attention to this matter. I expect your written response within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am currently in the process of enlisting in the XXXX XXXX  military. As part of my background and financial review, I discovered that your company has reported one of my accounts as a charge-off/profit and loss write-off. However, I have not received a 1099-C form, which is required by the IRS if a debt of {$600.00} or more has been canceled or forgiven.

Furthermore, despite this charge-off status, the account continues to be updated monthly on my credit report as if it were active and still owed. This practice is misleading and may constitute inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA : 15 U.S.C. 1681s-2 prohibits the furnishing of inaccurate information to credit reporting agencies.

15 U.S.C. 1681e ( b ) requires furnishers to ensure maximum possible accuracy in reporting.

I am formally requesting that you : Provide written documentation verifying the current status of the account.

Send the appropriate 1099-C form, if applicable.

Cease all inaccurate or misleading monthly updates.

Provide a written response confirming any corrections made.

This information must be provided within 15 days of the date of this letter in order to comply with FCRA guidelines. Please consider this a formal dispute of the information currently being furnished.

Failure to comply may result in further action. Under the FCRA, I may be entitled to statutory damages if a creditor furnishes inaccurate information about a debtsuch as reporting a charge-off while still claiming the debt is owed and updating it monthly.

Thank you for your prompt attention to this matter. I expect your written response within 15 days

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 2025-05-24 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: MD

Complaint narrative:
XXXX a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.

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 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 : {$520.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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 XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-24 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 the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 : {$520.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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 XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-24 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: TN

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a text on XX/XX/XXXX claiming to be my bank, Chase Debit Card Verify Declined XXXX {$340.00} at XXXX I replied XXXX for unauthorized. They replied no further action required. A bank agent will contact you. I immediately received a phone call from a man claiming to be a Chase employee. He informed me my debit card information was compromised. I confirmed that I did not lose my debit card or give it to anyone to use. He said hed cancel my card and mail me a new one. I did not give personal information such as SS # or bank account number. The interaction sounded legitimate like others Ive had with Chase when my information truly was compromised. He then informed me a fraudulent wire transfer was being attempted and transferred me to the wire fraud department. They asked me the same questions, did you authorize this, etc. He then texted me a one time verification code and asked me for it. I gave it to him. We hung up. I thought it was all handled. I checked my email the morning of XX/XX/XXXX to find an email from Chase stating, the wire transfer you requested was sent. I immediately called Chase. It was then I learned everything from the day before was a fraud call and they were in fact the ones stealing from me. Claims were filed immediately for an unauthorized wire transfer for {$8500.00} to a XXXX XXXX account in XXXX, recipient XXXX XXXX. I do not know this person. As well as XXXX unauthorized ATM withdrawals for {$500.00} each ( at XXXXXXXX XXXX and XXXX ) at a Chase bank in XXXX XXXX XXXX FL XXXX almost XXXX miles from my actual location at the time of the withdrawals. I closed my bank account on XX/XX/XXXX. In the weeks that followed, my bank, Chase, initially denied all the claims stating it came from my mobile banking app and mobile wallet, therefore it was legit. I am fighting the denials. I filed a police report with XXXX XXXX Police Department, case # XXXX. I also filed a complaint on the Internet crime compliant center government website, ic3.gov, as I was instructed to do by the police officer. That complaint was filed on XX/XX/XXXX. I continued working for weeks with my local Chase bankers, trying to recover my money. Chases customer service by phone is TERRIBLE. Nothing but I dont knows and constant transferring to different departments. Everyone had a different answer. It was incredibly frustrating. After submitting the police report to Chase, they finally refunded me the fraudulent ATM withdrawals totaling {$1000.00}. They reached out to XXXX XXXX, attempting to recover my money. They went round and round for weeks. In the end, Chase denied my claim again because XXXX XXXX stated the funds were already withdrawn from the account and were not available to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief