vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
{$150000.00} was transferred from a checking account into a Robinhood personal brokerage account on XX/XX/XXXX. The money was intended to go to a different brokerage account, but the was inadvertently sent to Robinhood. I requested that the funds be sent back to the original checking account. That was denied because the checking account was under my father 's name - note that I am an authorized user on the account, and I also have a duly authorized durable power-of-attorney for my father. After they denied that transfer, I provided another checking account under my name. That too was denied because it had a dba for a business attached to it. I finally opened a personal checking account specifically to facilitate this transfer, I provided all the statements the bank ( XXXX ) provided me for the account. Robinhood once again denied the transfer and requested an " account opening statement '' - despite the fact that XXXX indicated they have no such document. 

This has been ongoing for a month at this point and the funds are still frozen in the account. Robinhood has declined and impeded every effort to transfer the funds. I was specifically instructed to invest these funds into SPY on XX/XX/XXXX, right after the market dropped on XX/XX/XXXX. Had those funds been invested properly, the return would have been substantial.

I have read numerous anecdotal accounts from various people indicating that this is standard procedure for Robinhood. It leads me to believe they have implemented this policy of obstruction to artificially pad their liquidity. It is an egregious violation of several consumer protection and financial regulatory statutes.

I have an extensive chain of emails along with all the documents that were provided to Robinhood for verification purposes, it will take time to
convert the emails into one PDF, I can have it done upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am not liable for this debt with. I do not have a contract withXXXX XXXX XXXX they did not provide me with the original contract as I requested

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 2025-05-08 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Several companies have entered incorrect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
Provide copy of the 1099-C, an itemized ledger showing all debits, credits, fees, interest, & payments justifying the {$4600.00} balance, & the full chain of title or assignment history to verify the legitimacy of the debt & your authority to collect & report under FDCPA and FCRA Law ( XXXX ) Status - Charge Off Closed - XX/XX/XXXX Past Due - XXXX XXXX  Times Late - XXXX ( TransUnion ) Status - XXXX Closed - XX/XX/XXXX Past Due {$4600.00} Times Late - XXXX ( XXXX  ) Status - Charge Off XXXX - XXXX Past Due {$4600.00} Times Late - 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Provide copy of the 1099-C, an itemized ledger showing all debits, credits, fees, interest, & payments justifying the {$4600.00} balance, & the full chain of title or assignment history to verify the legitimacy of the debt & your authority to collect & report under FDCPA and FCRA Law ( Experian ) Status - Charge Off Closed - XX/XX/XXXX Past Due - XXXX XXXX Times Late - XXXX XXXX XXXX XXXX Status - XXXX Closed - XX/XX/XXXX Past Due {$4600.00} Times Late - XXXX XXXX XXXX XXXX  Status - Charge Off XXXX XXXX XXXX Past Due {$4600.00} Times Late - 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 2025-05-09 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: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX, am submitting this complaint regarding inaccurate reporting of a XXXX late payment on my XXXX XXXX credit card account. This alleged delinquency appears on my credit reports with TransUnion, Experian, and Equifax, despite my belief that this reporting is either factually incorrect or unverifiable under the Fair Credit Reporting Act ( FCRA ). 
Violation of the FCRA : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), consumers have the right to dispute inaccurate or incomplete information, and furnishers of credit information are required to conduct a reasonable investigation upon notice of a dispute.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) mandates that once a dispute is filed, the furnisher must investigate, review all relevant information, and report the results to the credit bureaus within XXXX days. 

If the information is inaccurate, incomplete, or unverifiable, it must be corrected or deleted from the consumer 's credit report. 

Dispute Facts : The late payment allegedly occurred in XX/XX/year>. 

I have not received any legally required notification from XXXX XXXX of a delinquency, nor did I receive any correspondence indicating an overdue status at the time. 

XXXX XXXX has not provided any supporting documentation proving that the payment was actually XXXX days late, or that any required grace periods or billing errors were accounted for. 

The account is currently open, active, and paid as agreed, according to the most recent updates on all three bureaus. 

Request for XXXX : I am requesting a full reinvestigation under 15 U.S.C. 1681i ( a ) into the accuracy and legitimacy of the reported XXXX late payment. 

If XXXX XXXX can not furnish complete documentation verifying the delinquency ( including billing statements and communication records ), I request immediate removal of the late payment entry from all three credit reporting agencies. 

I also request that XXXX XXXX  be directed to issue an updated XXXX XXXX compliance report to all CRAs correcting this record as required by the XXXX XXXX XXXX XXXX ( XXXX ) guidelines. 

Attached Supporting Documentation : XXXX  State Drivers License ( ID Verification ) Full Credit Report Section XXXX XXXX account history from TransUnion, Experian, and Equifax I respectfully ask that the CFPB investigate this matter and enforce the applicable consumer protection provisions under the FCRA to ensure the accuracy and fairness of credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I, XXXX XXXX XXXX XXXX XXXX, am submitting this complaint regarding inaccurate reporting of a XXXX late payment on my XXXX XXXX credit card account. This alleged delinquency appears on my credit reports with TransUnion, Experian, and Equifax, despite my belief that this reporting is either factually incorrect or unverifiable under the Fair Credit Reporting Act ( FCRA ). 
Violation of the FCRA : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), consumers have the right to dispute inaccurate or incomplete information, and furnishers of credit information are required to conduct a reasonable investigation upon notice of a dispute.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) mandates that once a dispute is filed, the furnisher must investigate, review all relevant information, and report the results to the credit bureaus within XXXX days. 

If the information is inaccurate, incomplete, or unverifiable, it must be corrected or deleted from the consumer 's credit report. 

Dispute Facts : The late payment allegedly occurred in XX/XX/year>. 

I have not received any legally required notification from XXXX XXXX of a delinquency, nor did I receive any correspondence indicating an overdue status at the time. 

XXXX XXXX has not provided any supporting documentation proving that the payment was actually XXXX days late, or that any required grace periods or billing errors were accounted for. 

The account is currently open, active, and paid as agreed, according to the most recent updates on all three bureaus. 

Request for XXXX : I am requesting a full reinvestigation under 15 U.S.C. 1681i ( a ) into the accuracy and legitimacy of the reported XXXX late payment. 

If XXXX XXXX can not furnish complete documentation verifying the delinquency ( including billing statements and communication records ), I request immediate removal of the late payment entry from all three credit reporting agencies. 

I also request that XXXX XXXX  be directed to issue an updated XXXX XXXX compliance report to all CRAs correcting this record as required by the XXXX XXXX XXXX XXXX ( XXXX ) guidelines. 

Attached Supporting Documentation : XXXX  State Drivers License ( ID Verification ) Full Credit Report Section XXXX XXXX account history from TransUnion, Experian, and Equifax I respectfully ask that the CFPB investigate this matter and enforce the applicable consumer protection provisions under the FCRA to ensure the accuracy and fairness of credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : TransUnions Failure to Remove XXXX XXXX XXXX FCRA Violation Dear CFPB XXXX, This complaint is being filed against TransUnion for failing to remove a tradeline from XXXX XXXX XXXX ( XXXX ) despite a formal debt validation dispute and confirmation from XXXX that the account has been closed and should be deleted from all consumer credit reports. 

On XX/XX/2025, I submitted a debt validation complaint through the CFPB portal regarding a XXXX XXXX XXXX account ending in XXXX. In their response dated XX/XX/2025, XXXX confirmed they had : Closed the account, Ceased all communications regarding collection, And formally requested that the consumer reporting agencies remove the tradeline from my credit reports. 

As of today, XXXX XXXX XXXX  have fully complied with this request and removed the tradeline from my credit files. 

However, TransUnion continues to report this account, in direct contradiction to PRAs instructions and my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of XXXX XXXX XXXX continued reporting of this account violates : 15 U.S. Code 1681i ( a ) Failure to reinvestigate or update consumer credit files upon receipt of verified correction or deletion requests. 

15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. 

15 U.S. Code 1681s-2 ( b ) Duty to promptly delete or modify incorrect information upon notice from a data furnisher ( XXXX in this case ). 

XXXX has fulfilled its legal obligation and confirmed in writing that the tradeline should be removed. TransUnions refusal to act on this verified instruction is unlawful and materially harmful to my credit profile. 

Requested Resolution I request that the CFPB require TransUnion to immediately and permanently delete the XXXX XXXX XXXX account ending in XXXX from my credit report. 

Additionally, I ask that the CFPB XXXX TransUnions failure to act on confirmed instructions from the data furnisher and hold them accountable for noncompliance with the FCRA. 

Thank you for your attention and assistance in enforcing my consumer rights under federal law. 

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is in response to your recent communication regarding your investigation into an account reported by Portfolio Recovery Associates ( PRA ) listed on my credit file. 
Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, I am requesting full documentation that was used to verify the accuracy of the information reported by Portfolio Recovery Associates . Please provide the following : 1. Name and Contact Information of the Furnisher : Who specifically at Portfolio Recovery Associates verified this alleged account? Provide the name and title of the individual or department that confirmed the validity of the debt.

2. Validation of the Debt : Provide a copy of the original signed contract or agreement bearing my wet signature that allegedly created this debt obligation. Without such documentation, the debt is unverified and should be removed. 
3. Proof of Business Relationship : When exactly did I initiate a business relationship with Portfolio Recovery Associates? I request detailed information regarding the nature and initiation date of any such relationship.

4. Chain of Custody : Provide documentation showing the full chain of assignment or sale of the alleged debt. This includes original creditor name, dates of transfer, and any contracts or assignments made between parties.

5. Securitization Inquiry : Has this alleged account been securitized, bundled, or sold in any way that would alter ownership or collection rights? If so, provide proof and details of the transaction ( s ).

Please understand that per the FCRA, if this account can not be verified with proper documentation from the furnisher of the information, it must be deleted from my credit file. The burden of proof lies with the furnisher and credit bureau once a dispute is initiated.

I request a response within the required 30-day time frame per 15 U.S.C. 1681i ( a ) ( 1 ). Failure to comply will result in further action to enforce my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-08 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: Source Receivables Management LLC
State: IL

Complaint narrative:
Several companies have entered incorrect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This morning I discovered a suspicious inquiry on my credit report that I never authorized. Despite refreshing the page and double-checking everything, the issue remained. Im incredibly frustrated and insist that you thoroughly review the documents Ive sent to get this resolved right away.

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 2025-05-09 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:
Its really frustrating to have something showing up that might not even be mine. Im not looking for a vague reply. I just want real answers and for this to be taken care of 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