vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
I am submitting this formal complaint against the XXXX major consumer reporting agenciesEquifax, Experian, and XXXX their ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The credit bureaus are reporting inaccurate and harmful negative information on my consumer reports, which directly stems from accounts that were compromised due to data breaches ( both recent and from prior years ). Despite these breaches, the bureaus continue to report these accounts without verifying the accuracy or legitimacy of the debts. This practice is unlawful and in violation of multiple sections of the FCRA. 
Specific Accounts in Dispute XXXX XXXXXXXX ( Closed ) XXXX missed payments XXXX  ( Closed ) XXXX missed payments Chime-Stride ( Closed ) XXXX missed payment Additionally, there are hard inquiries from the following creditors that I do not recognize as authorized or valid : XXXX XXXX ( XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX These accounts and inquiries are being reported despite the fact that my personally identifiable information has been exposed in data breaches, making them unreliable indicators of my creditworthiness. 
FCRA Violations 15 U.S.C. 1681e ( b ) The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of information. Continuing to report accounts tied to known breaches and unverifiable debts fails this requirement. 
15 U.S.C. 1681i ( a ) Upon notice of dispute, the bureaus must conduct a reasonable reinvestigation. The repeated reporting of these accounts despite disputes suggests they are failing to conduct a lawful reinvestigation.

15 U.S.C. 1681c ( a ) Certain obsolete information can not be reported. Negative accounts resulting from identity theft or compromised data should not remain on my report.

15 U.S.C. 1681i ( c ) The bureaus are required to note that the information is disputed in the credit file, which has not been properly done. 
Requested Relief Immediate removal of the disputed accounts and inquiries listed above. 
A full reinvestigation into the reporting of these accounts, with verification directly from the creditors. 
A written explanation from each credit bureau detailing the procedures used to verify the accounts, as required under the FCRA. 
XXXX from the CFPB to ensure compliance and accountability. 
The continued reporting of these items is causing me financial harm, denial of credit opportunities, and reputational damage. I request that the CFPB intervene to enforce my rights under the FCRA and require the credit bureaus to correct their practices. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On XX/XX/2025, I deposited {$29000.00} into my RobinhooXXXX account. 
On XX/XX/2025, Robinhood restricted my account. The restriction has remained in place every day since.

I have emailed Robinhood repeatedly requesting clarification, but they have not provided a clear reason for the restriction.

Robinhood later stated that my account would be closed, a process they indicated could take up to 120 days.

At one point, Robinhood claimed there were issues with my bank, but my bank has confirmed that no issues exist.

I am requesting the immediate release of the {$29000.00} that remains locked in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally request deletion of the above-referenced accounts from my credit report. The account in question was the result of unauthorized use of my credit, which I reported to the XXXX XXXX Sheriff 's Office over two years ago. Despite my efforts, I never received the itemized statements I requested in order to pursue criminal charges. Unfortunately, I am now outside the window to prosecute the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Starting at XXXX on XX/XX/year>, I received the first email stating that I had opened a credit account with Capital One for an amount of {$15000.00}. I also received several other emails from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX XXXX. These emails did not state that these were financial institutions, but it was really suspicious as they were stating that I had signed up for an account with them. Among these emails, I got an XXXX  Alert Email questioning if I recognized a new account opened with Capital One. 
The actions that we took after I received these emails were calling Capital One and letting them know that this was a fraudulent account. I filed a report with them. After this, I called XXXX  and locked the 3 Bureaus of Credit and placed a fraud alert in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report, this issue appears to be violation of the provisions of 15 U.S. code & 1666b and other relevant sections of the fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, especifically sections 15 U.S. code & 1681i and 15 U.S. Code & 1681s-2. I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX & XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing multiple fraudulent accounts on my credit report that I did not open, authorize, or manage. Their presence constitutes a serious inaccuracy under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Removal of Incorrect ACCOUNTS Due to Identity Theft I am writing to formally dispute the ACCOUNTS listed on my credit report that do not belong to me. I did not apply to the listed companies, and I am a victim of identity theft. I request that you remove these ACCOUNTS immediately.

I have attached a copy of my credit report and my FTC report ( FTC Report # XXXX ) for your reference. I have circled the ACCOUNTS on my credit report that are incorrect and do not belong to me. 
Despite my attempts to contact the creditors directly, I was unsuccessful in having these ACCOUNTS removed. I want to make it clear that I did not apply for these ACCOUNTS, and they were not authorized by me. The following ACCOUNTS are incorrect and need to be removed from my report : 1. XXXX XXXX XXXX  XXXX - XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  - XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXXXXXX  XXXX - XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX - XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  - XXXX ( XX/XX/XXXX ) 6. XXXX - XXXX ( XXXX XXXX, XXXX ) 7. XXXX XXXX - XXXX ( XX/XX/XXXX ) 8. XXXX XXXX - XXXX ( XX/XX/XXXX ) 9. XXXX XXXX  - XXXX ( XX/XX/XXXX ) 10. XXXX - XXXX ( XX/XX/XXXX ) This incorrect information is preventing me from accessing financial services such as credit cards and loans, which is negatively impacting my financial standing. I kindly ask for your prompt attention in removing these false ACCOUNTS from my credit report. Your assistance in correcting this issue would be greatly appreciated. 
Thank you for your time and support. 
Sincerely, 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 2025-09-16 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: PR

Complaint narrative:
On XXXX, I submitted a formal dispute to Transunion under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days.

Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures.

Remove unverifiable information from my report.

As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

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 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: RK Chevrolet Subaru
State: VA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX from RK Chevrolet Inc. located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX. The signed Retail Installment Sales Contract shows a {$3000.00} down payment marked as paid in full. I paid {$2500.00} that day and the salesperson, XXXX XXXX, stated she would give me two weeks to pay the other {$500.00}. There was no signed addendum or agreement for additional funds in the paperwork but I had every intention to hold up my end of the deal. On XX/XX/XXXX RK Chevrolet began to pressure me to provide an additional {$500.00} down payment and sign a new contract ( commonly called XXXX XXXX  ), I also discovered that they added a {$2300.00} service contract to my financing without my knowledge or authorization, and started threatened me in emails that they woud come pick up the car ( repossession ) if I did not comply, despite my signed contract. 
T

hese actions appear to be unfair, deceptive, and abusive acts and practices ( UDAAPs ) in violation of federal law, including the Truth in Lending Act and FTC Act 5. I am requesting that the CFPB investigate RK Chevrolets practices and require that : The dealership be stopped from altering contract terms and taking the car back if I don't comply or unwind the deal. If this unwind occurs, I will lose not only my {$2500.00} down payment vehicle but also my only means of transportation for work, despite already having a signed contract. This has created severe hardship, I
am a working professional who urgently relies on this vehicle for my livelihood. The only reason I'm purchasing a car is because I was in a wreck at no fault of my own, the insurance company deemed it a total loss and only had that car a month so lenders have been holding that against me. I really can't afford for the deal I was led to believe I had to fall through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  XXXX ] 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 2025-09-16 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal dispute regarding multiple inaccurately reported late payments on my Experian credit report. The payments in question were made on time, and their current status is a violation of the Fair Credit Reporting Act 's requirement to maintain maximum possible accuracy. 

This error is causing demonstrable financial harm.

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 2025-09-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] 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 2025-09-16 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: IA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My PayPal account was frozen on XX/XX/year>. I was told that I needed to upload documents for a " review of my account. '' I did this on the same day. PayPal stated that my documents would be reviewed and a decision would be made within 3 business days. Two weeks later I called. I was told my account was not yet reviewed due to some delays PayPal was experiencing, but it would be resolved in a couple more days. A week later I called again and was told the same thing. A week after that ( today ), my account is still frozen and I was again told the same thing. My account is " queued for review ''. I still don't even know why my account is frozen. I have used it for more than 10 years now to transact and do business.

I have money in that account, but I have no way to use or withdraw my funds.

I have requested PayPal supervisors, the department who will ( supposedly ) review my account, supervisors of supervisors and continue to get the same response from all CSAs I speak to ... your account is " queued for review ''.

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian via USPS Certified Mail ( Tracking # XXXX ), which included all necessary documentation to verify my identity and address : a copy of my photo ID, my W2 as proof of Social Security number, and a recent bank statement reflecting my current address. In this letter, I requested a reinvestigation of inaccurate information appearing on my credit report and correction of erroneous personal details.

USPS tracking confirms Experian received the dispute on XX/XX/year>. However, to date, I have received no acknowledgment, response, or resolution. This failure to act constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 1681i ), which mandates that a credit reporting agency must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Experians inaction not only undermines the integrity of my credit file but also exposes me to continued harm, including potential denial of credit, unfavorable lending terms, and reputational damage I have attached both the original dispute letter and USPS proof of delivery to substantiate 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 2025-09-16 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: OH

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that must be addressed. These errors are causing significant and ongoing harm to me, both personally and financially.

Company response to consumer: Closed with explanation