vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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:
A restriction was placed on my account, on XX/XX/XXXX with no explanation or details attached to the cause of this. I have also tried to press the take action button in my Robinhood app to try and resolve this issue however the button doesnt do anything. I have also tried to create new support chats but I am unable to connect to a representative each time. 

Unfortunately, I have not received any real response to my multiple follow-up emails or calls, which is concerning. As this restriction is impacting my ability to access my funds, I have been requesting an update on the status of the review every single day & daily I get a message your account is still under review. 

What is the reason this review is taking so long? I doubt they have even started this review! My account & standing is as clear as can be. Ive been with Robinhood for 5+ years & am paying for their yearly gold membership. This lack of attention to this matter shows how they treat even their loyal customers. 

The app has given me a date of XX/XX/XXXX of my review completion date & now that we are here, the date has magically been pushed out to XX/XX/XXXX. I have heard stories of Robinhood constantly pushing out the date 1 day at a time & the only way any progress has been made is through you guys. The CFPB. I request that you please help me as I urgently need these funds in order to pay upcoming bills.

I have about {$4000.00} stuck in Robinhood & each day they have held my funds I am losing hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I belie ve your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX XXXX is refusing to report the correct information on my account. I have one account and its the XXXX account and it ends in XXXX. 

They keep reporting that I have a balance of XXXX, then XXXX, and now again at XXXX. 

They did something now which I feel is a retaliation on my complaint and now theyve removed both reported cards entirely and thus reflecting that I lost the entire XXXX available balance I have with them! 

The bank is acting in poor faith and has been negligent on their reporting of my account details since XXXX, XXXX 

This has caused my credit score to go down nearly XXXX points! This has cost me money and Ive repeatedly attempted to resolve this yet no one seems to be able to help! 

Please help escalate this! 

This isnt rocket science! Look at my account and report the correct information! Why do I have to do this over and over?! Im at a loss of words on how ignorant the entire situation is. 

I hope someone can help and enforce XXXX XXXX to pay me for damages not just financially, but the mental toll this has taken has been substantial to say the least. 

Again I dare to ask. Please assist!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i tried to use my credit card and it was denied so i tried to use my debit card and was denied so i called to correct the problem and they held me on the phone once hung up so i tried again they said i was being investigated for fraud and my accounts were frozen and i would have to wait up to 7 days for a letter to explain but i was told to go to my branch and thing would be corrected XX/XX/year> so i did yesterday XXXX they could do nothing so the are holding my funds i called again today to complain but hey would not give me any satisfaction. where are they getting this false information that gives them the right to hold my funds about a month ago they asked me iff i charge over XXXX at foot locker on my debit card i said no so they sent me a new debit card and i once again had no access to my funds i had never used the card before so i suspect an internal theft within their bank or they themselves were hacked. When i first opened the accounts i put in XXXX then proceeded with a check from my investment account and they held that for at lease 7 days and i inquired why and they said that the check would be most likely returned

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding the inaccurate reporting of hard inquiries on my credit report, which I believe are the result of identity theft stemming from the 2017 Equifax data breach. Despite submitting my FTC Identity Theft Report and clearly identifying the fraudulent activity, Equifax has refused to remove the inquiries, and they continue to deem them accurate. 

To summarize : Equifax Data Breach : As you may know, in 2017, Equifax was subject to a massive data breach, compromising the personal and financial information of millions of individuals, including myself. The breach exposed sensitive data, including my Social Security number, which has led to identity theft. 
Fraudulent Hard Inquiries : After reviewing my credit report, I noticed several hard inquiries that were made without my authorization, all of which appear to be tied to the fraudulent use of my personal information. 
FTC Identity Theft Report : In an effort to resolve this issue, I submitted an official FTC Identity Theft Report, which clearly outlines the unauthorized activity on my credit file. However, despite providing this report, Equifax has continued to refuse to remove these hard inquiries, citing that they consider the inquiries accurate and valid, which is incorrect and misleading. 
Violation of Consumer Rights : XXXX refusal to investigate or remove these inquiries is in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to correct or delete any information that is found to be inaccurate, incomplete, or the result of fraud. Furthermore, their failure to take proper action regarding my FTC Identity Theft Report raises serious concerns about their compliance with the law. 

I have attached copies of my FTC Identity Theft Report, my credit report with the disputed inquiries, and any related correspondence with Equifax for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. Please feel free to contact me at XXXX if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for failing to remove an incorrect address from my credit report, despite my multiple requests for correction. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are required to investigate and correct or delete any information that is inaccurate, incomplete, or unverifiable within 30 days of a dispute being filed. Additionally, 15 U.S. Code 1681e ( b ) requires credit bureaus to ensure maximum possible accuracy in consumer reports.

The inaccurate address on my credit report does not belong to me, and its presence could negatively impact my credit profile, potentially leading to misdirected correspondence, fraud risk, or issues with lenders verifying my identity. I have provided Experian with sufficient documentation proving my correct address, yet they have failed to take appropriate action.

I request the CFPB to intervene and hold Experian accountable for their failure to comply with federal law. Please investigate this matter and ensure that Experian removes the incorrect address from my credit file immediately. 

REMOVE XXXX XXXX XXXX XXXX XXXX, nv XXXX Remove XXXX XXXX XXXX XXXX XXXX, mo 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 2025-03-14 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: LA

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 on my XXXX Bank account [ XXXX ]. 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 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 2025-03-14 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-14 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 krS.C. 1681i ), 609 ( 15 U.S.C. $ 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief