vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I am writing to formally dispute multiple negative items on my credit report and request the immediate removal of certain hard inquiries. This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 1681s-2, 1692c, 1681b, and 1681c-2. 

I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : 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
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I am writing to formally dispute multiple negative items on my credit report and request the immediate removal of certain hard inquiries. This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 1681s-2, 1692c, 1681b, and 1681c-2. 

I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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 submitted a dispute to Experian concerning a charged-off Upstart account ( Account No. XXXX ), which was subsequently sold to XXXX XXXX XXXX. My dispute, submitted via Experians online portal, stated : This account was charged off and later sold. The balance is {$0.00}, but it's still reporting negatively. Please update the status or remove the tradeline if the unresolved balance no longer exists.

Despite this, Experian returned a result stating the account was Verified and Updated and failed to provide any meaningful resolution or verification documentation. No substantive changes were made to the tradeline, and the derogatory information remains, now with an altered charge-off date.

This constitutes a violation of Experians duties under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requiring a consumer reporting agency ( CRA ) to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate.

15 U.S.C. 1681e ( b ) : Mandating CRAs to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requiring deletion of information that can not be verified.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Requiring CRAs to provide a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and contact information of the furnisher. 


Further, Experian altered the status updated date from XX/XX/XXXX to XX/XX/XXXX, effectively " re-aging '' the account, which may artificially prolong the accounts negative impact on my credit report. Such action can constitute a deceptive practice and may violate FTC guidance regarding credit reporting.

Experians response lacked transparency, failed to address the substance of my dispute, and did not meet the minimum threshold for a good faith reinvestigation under federal law. As a result, inaccurate, misleading, and unverifiable information continues to harm my creditworthiness.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I initiated a transfer between my verified external bank account and my verified Robinhood account. Despite passing all verification steps and linking the accounts properly, Robinhood placed a restriction on my account and locked my funds without clear justification.

I provided all requested documentation and reached out multiple times, but the responses were vague, with no specific reason given for the restriction. They only stated that it could take a week or longerbut offered no guarantee or action plan. It appears the restriction could last indefinitely unless the user initiates external pressure, such as a formal complaint.

This lack of transparency and access to my own funds is unacceptable and creates unnecessary financial risk. Robinhoods communication has not addressed the core issue or offered a clear resolution path.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
This Creditor has stated I owe an outstanding balance. I never signed a contract with this company. how they got my social security number. This account belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-05 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-04-05 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-04-05 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-05 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: ProCollect, Inc.
State: GA

Complaint narrative:
FINAL NOTICE TO PROCOLLECT INC. FRAUDULENT ACCOUNT | NO CONTRACT | NO AUTHORIZATION | 24-HOUR DEMAND FOR PERMANENT DELETION To ProCollect Inc. , This letter serves as your final legal notice and demand for the immediate and permanent deletion of a fraudulent account you are reporting under my name. I have never done business with your company, have never signed a lease or contract with you or any associated property, and have never resided at the location tied to this alleged debt. 

The account you are reporting is unauthorized, unverified, and entirely fraudulent. You have no legal grounds to continue reporting this account, and doing so constitutes multiple violations of federal and state law. 

Fraudulent Account Details : ProCollect Inc. Alleged Rental Balance : {$7900.00} I did not reside at the reported property I never signed a lease or any binding agreement I never authorized this debt, and I dispute its validity in full You Are Now in Violation of the Following Laws : FCRA 623 ( a ) ( 1 ) ( A ) : It is unlawful to report information you knowor should knowto be false.

FCRA 611 ( a ) : You must delete any information that can not be verified.

FDCPA 807 : Misrepresentation of the character, amount, or legal status of a debt is illegal.

FDCPA 808 : Attempting to collect any debt not authorized by contract is a violation.

XXXX & XXXX XXXX XXXX : You are liable for reporting false credit information under state law. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX directly and was informed that they never gave permission for any eviction data to be reported to credit bureaus or tenant screening services. You are unlawfully using court-related data to support a claim you have no right to report.

24-HOUR DEMAND FOR ACTION You have 24 hours from the date of this notice to : 1. Permanently delete the above-listed account from all consumer reporting agencies 2. Cease all current and future collection or reporting activity 3. Confirm in writing that the account will not be reinserted or reassigned 4. Send written confirmation to : XXXX If you fail to comply, I will immediately proceed with the following actions : File a Small Claims lawsuit for {$16000.00} in damages Report your violations to the FTC, CFPB, Attorney General, and applicable regulatory bodies Pursue full legal recourse under the FCRA, FDCPA, and consumer protection statutes This is your final warning and official legal notice.

You are now fully liable for damages.

Comply within 24 hours or face immediate legal consequences. 

Sincerely, 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
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: VA

Complaint narrative:
XXXX profolio management has sent me numerous emails of missed payments, as of XXXX XXXX I have received a refund concerning this debt. Byte is associated with this debt collection, they are identified as an Invisalign company that straightens teeth, however my teeth were damaged as a result in which I received a refund, I have proof of my refund as well as confirmation emails from byte stating my refund. I have told XXXX profolio management of the matter in which they have still been reporting to my creditors that I have missed payments that has greatly affected my credit score tremendously.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid off an account with XXXX XXXX in XXXX of 2025 and the company said it will send a notice to the credit bureaus to show it as paid and to remove it from my credit file. All credit bureaus removed it but Equifax. I contacted Equifax and they said they completed an investigation on XX/XX/year> and the creditor advised them that its not paid. The company claims that this isnt true and sent me a letter to give to Equifax. Equifax is refusing to remove it after repeatedly sending them the letter and calling asking for them to send proof of their investigation. This also caused me not to be approved for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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