vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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:
I hope this message finds you well. My name is XXXX XXXX, and I am formally disputing the inaccurate information that has been reported on my credit report. 

In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This constitutes a violation of my consumer rights to privacy, as these entities have no legal basis to report any information under my name. As such, I am requesting that you provide the original instrument of indebtedness for the student loan, along with proof of the signed promissory note, indicating that I am aware of and legally bound by this debt. 

Additionally, I did not initiate these inquiries, which I believe may be a case of identity theft. Under 18 U.S.C. 8, I do not owe any debt to these companies, and I demand the immediate removal of the items in question to rectify my credit report. 

I kindly request that you address this matter promptly and confirm the removal of the disputed entries. 

Thank you for your attention to this issue. I look forward to your swift response. 

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 2025-04-03 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: NY

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX, and I am formally disputing the inaccurate information that has been reported on my credit report. 

In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This constitutes a violation of my consumer rights to privacy, as these entities have no legal basis to report any information under my name. As such, I am requesting that you provide the original instrument of indebtedness for the student loan, along with proof of the signed promissory note, indicating that I am aware of and legally bound by this debt. 

Additionally, I did not initiate these inquiries, which I believe may be a case of identity theft. Under 18 U.S.C. 8, I do not owe any debt to these companies, and I demand the immediate removal of the items in question to rectify my credit report. 

I kindly request that you address this matter promptly and confirm the removal of the disputed entries. 

Thank you for your attention to this issue. I look forward to your swift response. 

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 non-monetary relief
Consumer complaint received 2025-04-04 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding a negative item ( 30-day late payment ) reported by XXXX XXXX XXXX on my credit report for account # XXXX. 

Over the course of more than 75 months, I made all payments on time except for the final payment, which was reported 30 days late due to an unintentional oversight on my part. The loan was fully paid off and the account is now closed with no outstanding balance. 

I submitted a goodwill adjustment request, asking the lender to remove this single late payment in recognition of my long-standing, positive payment history. The response I received was a blanket denial without any consideration of my context or creditworthiness. 

I believe this response is unfair and disproportionate, as a single negative mark at the end of a perfect payment history significantly impacts my credit score and does not accurately reflect my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.

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 2025-04-03 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose.

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization.

Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile. 

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.

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 2025-04-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose.

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization.

Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile. 

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a written request to Experian, Equifax, and Transunion. I sent it per the instructions on there website, and included a copy of my ID, and a recent utility bill with my address.

I received a response from the three bureaus saying that they don't believe it was me who sent the request and to please call them to initiate a dispute. The problem is, I called the numbers and had to wait on hold for over 1 hour before eventually hanging up because I don't have the time to sit and wait until infinity. SO I sent another letter, saying " yes, this is me please believe me '' and I received the same response back.

I called back again ... ..and this time waited for 90 minutes before having to hang up. 

As a consumer I have the right to dispute information on my credit report without having to wait on hold for 90 minutes or be told by the bureau they won't investigate something for me because they don't believe I sent my own letter. I demand my rights to have items incorrectly reporting investigated.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> I was contacted on my mobile phone while i was at my local gym by an impersonator claiming to be from the Chase Fraud account department stating there were charges being applied to my account in Arizona and could I confirm that those were my charges. I was immediately concerned, denied the charges were mine, and requested that my debit card be deactivated, they proceeded to cancel my card and sent me a " security text confirming my account was closed '', Later that day when I returned home I went online to check my Chase account and found multiple pending charges from XXXX 's ( a local supermarket ) that were in fact fraudulent ( > {$2400.00} in purchases made with max cash back {$140.00} was taken out each time ). I then realized it was a scam and contacted the Chase Fraud Department immediately, cancelled my debit card and filed a claim. I then went to XXXX reported the incidents to the manager. Further, I filed a police report which I sent to XXXX management per their request. 

Chase says that the claim was denied by them and by " Visa '' due to " insufficient evidence '' of fraudulent activity. I'm stunned and shocked and don't know what more I could have done. Chase said that they sent out a denial to the claim months ago, but I didn't receive anything in the mail. I assumed this matter was still being investigated. They read me the results of the denied claim but said it would take up to 10 days to receive the report in the mail. I am trying to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXXXXXX Account number : 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 2025-04-04 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXXXXXX Account number : 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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I submitted a formal request to LVNV Funding LLC on XX/XX/year> requesting validation of a debt they claim I owe. Specifically, I asked for proof that the debt is mine, a breakdown of the amount owed, and documentation showing their legal authority to collect the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). 

Despite my request, LVNV Funding LLC has failed to provide proper validation within the required timeframe. They have also continued collection efforts and/or reported this unverified debt to the credit bureaus, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

I am requesting that the CFPB take action to ensure that LVNV Funding LLC either validates the debt properly or ceases collection efforts and removes any reporting of the debt from my credit file.

Here 's a professional Debt Validation Letter that you can use to request verification of a debt from a collection agency. This letter ensures compliance with the Fair Debt Collection Practices Act ( FDCPA ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear LVNV Funding LLC, I am writing in response to your [ letter/phone call ] dated XX/XX/year>, in which you claim that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written validation of the debt, including the following information : 1. The name and address of the original creditor. 


XXXX. The amount of the debt, including any interest, fees, or other charges. 


XXXX. A copy of any signed agreement or contract proving my obligation to the debt. 


XXXX. Proof that you have the legal authority to collect this debt, including any assignment or transfer of ownership. 


XXXX. The date of the last payment made on this account. 



Until this information is provided, I request that you cease any collection activities, including reporting this debt to credit bureaus, as unverified debts must not be reported under the Fair Credit Reporting Act ( FCRA ). 

If this debt is validated, I request all further communication be in writing. If you are unable to validate the debt, I request that you remove any reference to it from my credit report and cease further collection efforts. 

Please consider this letter a formal dispute of the debt. I expect your response within the legally required XXXX period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood puts a phone number on their website but it is a recorded message directing you back to their website. I am unable to get answers or any support. They have {$15000.00} of my money in cash and crypto and are refusing to release my money. They went into my checking account that I has transferred the funds to ( XXXX XXXX  ) and took my money out. I provided them with the XXXX information they wanted and they have not released my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Group Inc.
State: OR

Complaint narrative:
I called United Finance today and tried to get a update of their resolution for the inaccurate information on my credit report, they didn't even know where to send me to help. XXXX office sent me to XXXX office and the XXXX wanted to send me to the XXXX office. They were going to call back and never did. There is a lot on my credit report that is not correct from them. They should know what is inaccurate. They need to go over the information and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They are double billing me for items I have paid for with my XXXX XXXX and I have receipts. Since I have downloaded the XXXX XXXX I try to use it to pay for all my XXXX purchases because I can earn cash back rewards. I have copies of my receipts of the items that I purchased using the XXXX XXXX. So I don't understand why they are charging me double for items that I did not use their card to purchase. This needs to be fixed ASAP. How can I send copies of my receipts to prove that I already paid for 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 2025-04-03 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: AZ

Complaint narrative:
SO AFTER MULTIPLE ATTEMPTS TO HAVE EXPERIAN AND EQUIFAX HELP ME REMOVE FRAUDULENT ACCOUNTS AND ADDRESSES FROM MY FILE, I AHVE BEEN LEFT WITH NO SOLUTION. I ASK OF YOU TO PLEASE HELP ME, BECAUSE I AM A VICTIM OF IDENTITY FRAUD AND XXXX XXXX UNDER 605C TO REMOVE AND BLOCK THE REPORTED FRAUDULENT CREDIT ACCOUNTS AND THE ADDRESS LISTED ON MY REPORT ALSO. ALL SUPPORTING DOCUMENTS WILL BE UPLOADED. PLEASE SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation