vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the account listed on my credit report, as it was opened without my authorization and is the result of fraudulent use of my identity. This is a serious issue, and I demand that you take immediate action to remove this fraudulent account from my credit report. I did not authorize this account, and it is vital that it is removed to prevent further harm to my credit and financial security.

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 2025-02-24 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: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
XXXX {$930.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy. 



15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
XXXX {$930.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy. 



15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
My husband received a call at work in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that I was in collections for a {$4500.00} medical debt. So, I then called the number he gave me to ask for more details. My insurance claims page had stated that I owed XXXX on that claim. Which I told the representative on the phone. I then asked for them to send me an itemized bill and proof of owing the amount listed. I never received either so I assumed it was a scam or accident if they looked into the debt after speaking to me. 

I now ( XXXX XXXX ) have been sent a text saying that my account has been approved for attorney placement. I called and spoke with someone again relaying that I never received anything in the mail. They stated it went out XX/XX/XXXX. I never received a call or message after they claimed they sent it. I also have Informed Delivery with my postal service and it never shows anything else being sent from them. The representative then stated that it would go to an attorney on XX/XX/XXXX. 

I then got back on a chat with my insurance provider and they showed and stated that my XXXX XXXX paid it completely. So my insurance provider called XXXX and spoke with both of us on the line and told them that I didn't owe the debt and they would fax the proof. I am now waiting for conformation that they received the fax and acknowledge that I don't owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I am closing escrow soon and am trying to withdraw money from my Robinhood account to fund that escrow account. According to their withdrawals documentation ( https : //robinhood.com/us/en/support/articles/spending-limits/ ), I am able to use the ACH option to withdraw to a bank account free of charge with the following limitations : - Maximum daily withdrawal amount : {$50000.00} - Maximum daily transaction limit : 5 - No fees Based on this, I made a financial decision to take advantage of their high yield interest rate with the intention of being able to transfer that money back to my chase account in daily increments of {$50000.00} using the free ACH transfer option. I was planning on doing this a total of 8 times to be able to fund my house 's closing costs. 

We opened escrow last week, so I began this process on the XXXX XXXX XXXXXX/XX/year>2025. I was able to withdraw without any issues on the XXXX, XXXX, and XXXX. I attempted to do the same process today ( the XXXX ) and I was unable to complete the process. The ability to perform the same transaction was blocked ( the button was greyed out on the mobile app and an error on the web app ( " You can not withdraw more than {$50000.00} in one business day '' ). The only other options for me to select to withdraw my money to my bank account was to use the instant option ( incurring a {$150.00} fee per transaction ) OR to wire my money out ( also incurring a fee ). This is not fair, and it is clear that Robinhood

disabled the option to transfer money out intentionally. I am playing by their rules, and they are not upholding the terms set by their documentation. They may claim that its for my protection, but if it truly was for my protection then why am I able to still use the paid options to liquidate my account? Currently the anti-consumer practices that I am observing are the following : - I am not able to wire money to any third party accounts ( in this case the escrow account ) from the Robinhood account, requiring that I transfer my money to a personal bank account to be able to fund my escrow account. I have not heard of another institution placing the same limitations on wire transfers. - My capability to transfer money without charge to my own account via ACH has been been inhibited for unknown reasons. - Allowing me to transfer the same amout using their premium priced " instant transfer '' feature is predatory when I don't really need it to post same day, when I have allotted time to be able to complete the transaction of the course of a couple of weeks. Attached to this report are screenshots of the limited capabilities that were mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-02-24 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:
I am writing to dispute certain entries in my TransUnion credit file that are inaccurate, incomplete, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I request that TransUnion REMOVE or UPDATE the following items and provide me with a detailed response of completion as required by law. I have contacted Transunion multiple times without corrections made, only to be ignored.

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 2025-02-24 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off account that is currently reporting on my credit file. I previously submitted a dispute regarding this matter, but the response received from the credit bureaus was insufficient and failed to address my concerns adequately. Specifically, the account in question does not provide a valid account number, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and prevents me from verifying the legitimacy of this debt. 

Account Details : Account Number : XXXX ( No valid account number provided ) Account Status : Closed - Charge Off Payment Status : Past Due - {$1000.00} Legal Basis for Dispute : Violation of 15 U.S.C. 1681e ( b ) - The Fair Credit Reporting Act requires credit reporting agencies to ensure maximum possible accuracy in reporting. Reporting an account without a valid account number fails to meet this standard.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - If a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation. Failure to provide sufficient information regarding the disputed account demonstrates that a proper investigation has not been conducted.

Burden of Proof on the Furnisher - Under the FCRA, the furnisher of information must provide evidence that the account belongs to me and that it is being reported accurately. The absence of an account number raises serious concerns about the legitimacy of this entry. 

Requested Action : I request that this charge-off account be immediately removed from my credit file unless verifiable documentation, including a valid account number and original creditor information, can be provided. If such documentation can not be provided, the account must be deleted per FCRA requirements. 

Please provide a written response regarding this dispute within the timeframe outlined by the FCRA. Failure to comply may result in further action, including legal remedies available under federal law. 

Thank you for your prompt attention to this matter. I look forward to your resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off account that is currently reporting on my credit file. I previously submitted a dispute regarding this matter, but the response received from the credit bureaus was insufficient and failed to address my concerns adequately. Specifically, the account in question does not provide a valid account number, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and prevents me from verifying the legitimacy of this debt. 

Account Details : Account Number : XXXX ( No valid account number provided ) Account Status : Closed - Charge Off Payment Status : Past Due - {$1000.00} Legal Basis for Dispute : Violation of 15 U.S.C. 1681e ( b ) - The Fair Credit Reporting Act requires credit reporting agencies to ensure maximum possible accuracy in reporting. Reporting an account without a valid account number fails to meet this standard.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - If a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation. Failure to provide sufficient information regarding the disputed account demonstrates that a proper investigation has not been conducted.

Burden of Proof on the Furnisher - Under the FCRA, the furnisher of information must provide evidence that the account belongs to me and that it is being reported accurately. The absence of an account number raises serious concerns about the legitimacy of this entry. 

Requested Action : I request that this charge-off account be immediately removed from my credit file unless verifiable documentation, including a valid account number and original creditor information, can be provided. If such documentation can not be provided, the account must be deleted per FCRA requirements. 

Please provide a written response regarding this dispute within the timeframe outlined by the FCRA. Failure to comply may result in further action, including legal remedies available under federal law. 

Thank you for your prompt attention to this matter. I look forward to your resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX. 
XXXX, GA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX TransUnion XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report To Whom it XXXX Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner. 

Additionally, due to many data breaches which compromised my information being compromised on several occasions in the last several years, I reviewed my credit report to find multiple inaccurate and fraudulent items that I am now disputing under FCRA 611. These accounts and inquiries were not authorized by me and should be removed immediately. 

Accounts to Be Removed : XXXX. XXXX. XXXX XXXX XXXX XXXX  ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX  BANK ( Charge-Off ) Fraudulent XXXX. XXXX XXXX XXXX ( Late Payments ) Inaccurate Reporting XXXX. XXXX XXXX XXXX ( Late Payments ) Inaccurate Reporting XXXX. XXXX XXXX ( Late Payments ) - Inaccurate Reporting XXXX. XXXX XXXX ( XXXX ) - Inaccurate Reporting XXXX. XXXX XXXX ( Late Payments ) - Inaccurate Reporting XXXX. XXXX XXXX ( XXXX ) - Fraudulent XXXX. XXXX ( Late Payments ) - Inaccurate XXXX XXXX. XXXX XXXX ( Late Payments ) - Inaccurate XXXX XXXXXXXX XXXX XXXX ( Late Payments ) - Inaccurate Reporting Hard Inquiries to Be Removed : XXXX. BANK XXXX XXXX Unauthorized Inquiry ( XX/XX/year> ) XXXX. XXXX XXXX XXXX XXXX XXXX. Unauthorized XXXX ( XX/XX/year> )

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Purchased a XXXX XXXX bag on XX/XX/year>. Item received on XX/XX/year> and noted it was a different color from the website. XXXX via mail to New York on XX/XX/year> with tracking XXXX. They received the item and refused a refund. Initiated dispute with Apple on XXXX XXXX after XXXX XXXX refused any resolution. They sent back the item and I reshipped it back to them on XXXX XXXX and they received it XXXX XXXX with tracking XXXX. The purchase total was {$710.00}. They refunded {$530.00} and noted that since Apple has the dispute open, the remaining {$170.00} will be given to me on their end. XXXX XXXX officially closed the case that same day. Now, the remaining {$170.00} was denied by Apple because they did not resolve the case on time. I asked them to speak with XXXX XXXX and they refused. XXXX XXXX sent proof that Apple would refund me on XX/XX/XXXX, as circled in the image. Apple is at fault for not solving the issue on time and for not contacting XXXX XXXX for information during the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
Spot a loan is suppose to be short time repayment plan, I barrowed {$400.00} they set me up to {$73.00} every week until the {$400.00} Loan was repaid, They are not taking out the payment when its due and I'm getting emails saying thank you for your payment. But I'm also getting emails saying they are adding more payments on to my payment. I'm suppose to have it paid off in XX/XX/XXXX. But every time they miss taking a payment I'm getting emails staying they are adding more payments to my contract. I have been making weekly payments of {$73.00} since XXXX. I did not agree to all these other payments they are adding on to this contract. Now they have me paying them off XXXX these XXXX/XXXX these are payments she shouldn't been add to my account... I'm refusing to pay them after XX/XX/XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX The information is below Just a friendly reminder Hi XXXX XXXX, On XX/XX/XXXX, XXXX  will withdraw a payment of {$73.00} from your bank account via XXXX ending in XXXX Payment Breakdown Total Payment Amount {$73.00} Principal {$2.00} Interest {$71.00} If you miss a payment, you will pay more interest on your loan over time as interest is charged daily against your unpaid principal balance. You will receive a separate email regarding your payment schedule. 

Please let us know if you have any questions or concerns or, need to make arrangements regarding your next payment. As a reminder, we require a two business day notice to make changes to your payment due dates. 

Our hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX You can email us directly at XXXX. For immediate service, please feel free to call us at XXXX. 

IMPORTANT : As part of our commitment to providing you with an improved user experience, XXXX  recently launched a new online account access portal. To ensure the security and continued access of your account, we kindly ask you to reset your password. Your old password is not valid on the new portal. The new portal offers enhanced features to streamline your loan management experience. 


Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I received a call from navy federal credit union stating my debit card was compromised. Navy fed transfered thousands of dollars from my savings to satisfy fraudulent transactions. Someone from navy fed also call me and transfered XXXX out of my savings account. While navy fed was supposed to be investigating my claims I withdrew what I has remaining in my account. Weeks later they denied my claim twice which put my account in a negative. This is the balance I am being charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation