vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Someone at a previous address gained a copy of my personal information and used it to open a series of debt without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: MD

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to express my hopes for improved dispute resolution by XXXX, particularly in light of the recent CFPB lawsuit highlighting opportunities for growth. 
Despite using XXXX numerous times and reporting discrepancies, I envision a future where my financial institution and XXXX effectively investigate my claims. I am informed that recovering lost funds and tracking transactions are feasible and I look forward to XXXXXXXX XXXX improvements. The CFPB 's findings indicate that XXXX can not only protect consumers but also prevent repeat offenders from exploiting the system, empowering users to safely transact. This potential for accountability and transparency is inspiring and raises hopes for enhanced consumer safety.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: TX

Complaint narrative:
For the past month, Credit Control, has been blowing up my phone with repeated calls. Its excessive, annoying, and a clear violation of the FDCPA under 15 U.S.C. 1692d ( 5 ) which prohibits causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass.

Lets talk about timingbecause youve also managed to violate 1692c ( a ) ( 1 ) by calling at inconvenient times. Now, let me ask you : When is it EVER a convenient time for you to contact me? Because Ill tell you right nowits not while Im working, busy, or just trying to live my life without being harassed by endless calls from your company. 

I have documented these calls.

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 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Consumer name : XXXX XXXX XXXX social security number : XXXX Request for immediate removal of fraudulent information pursuant to FCRA 605B Dear Credit Bureau , I am submitting a complaint to formally request the removal of fraudulent information from my credit report as allowed under FCRA 605b this request pertains accounts that were opened without my authorization and are the direct effect of identity theft and fraud.I expect this fraudulent information to be blocked and deleted to protect my consumer right within 4 days of said letter being received as required by the law. Below is the information of each fraudulent account with its account number balance and date opened thanks for your review and I expect my federal right to be enforced and acknowledged A auto loan with XXXX opened on XX/XX/XXXX with a balance of {$9400.00} Account number : XXXX A mobile telecommunications accountwith XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$520.00} account XXXX Lastly a XXXX account opened on XX/XX/XXXX with a balance of XXXX Account number : XXXX Attached is a FTC Identify theft affidavit as clear proof identity theft and fraud took place All account listed are the result of identity theft and fraud and I demand that they be removed thanks

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
There was a false Account levy thats been paid in full placed on my account by mistake back in XX/XX/XXXX. Robinhood in XXXX of XXXX placed the levy in full effect, sold all of my crypto holdings at a loss without my consent, and locked my account where I am unable to access my funds. I am unable to withdraw, buy or send XXXX, I did not consent to sell my positions and the levy issuer sent proper documentation to remove this levy but Robinhood has yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

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.

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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY REVIEWD A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I WAS A VICTIM OF IDENITY THEFT. I FOUND NUMEROUS FRAUDLUENT CLOSED CREDIT CARD ACCOUNTS ON MY REPORTAND INCLUDING OPEN AUTO LOAN ACCOUNT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING MY CREDIT REPORT AND MY FEELINGS SINCE I AM PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT SOON AS POSIBLE. HERE IS THE INFORMATION FOR THOSE ACCOUNTS. XXXX CREDIT CARDS ACCOUNTS ARE CLOSED ACCOUNTS. XXXX XXXX ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/XXXX, BALANCE {$3900.00}. XXXX XXXX OPEN ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/XXXX, BALANCE {$16000.00}. THIS ONE IS XXXX XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX, ACCOUNT NUMBER XXXX. BALANCE {$17000.00}. THANK YOU IN ADVINCE.

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 2025-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I purchased a gift card on XX/XX/2025 for {$500.00}. I have not been able to use the card and each time I call customer service they tell me to call back in XXXX hours. This is a none thing being done by this company because I have purchased a few, and my coworkers purchased them, and they give the same issue and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-04 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: TX

Complaint narrative:
Experian has failed to fufill 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 Experia, 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 rights 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity such as inaccurate names and addresses. 

TransUnion : Inaccurate name : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
It has come to my attention that your company has placed inquiries on my credit report without my consent.

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

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to express my aspirations for a more robust dispute resolution process within Zelle, particularly in light of the recent CFPB lawsuit highlighting opportunities for growth and improvement. Despite utilizing Zelle numerous times and reporting discrepancies, my financial institution and Zelle have fallen short of adequately investigating my claims, presenting a chance for enhancement. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, prompting a call to action for innovation. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and underscoring the need for transformative change. This lack of accountability and transparency presents a profound opportunity for Zelle to redefine its commitment to consumer safety and empowerment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
REPOTING XXXX XXXX ON MY CREDIT REPORTS THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME AND ARE IDENITY THEFT AND FRAUD

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

Complaint narrative:
Subject : Demand for Deletion of Inaccurate Information Under Consumer Protection Laws Dear [ Credit Bureau Representative ], I am writing to formally dispute inaccurate information on my credit report and demand its immediate removal in accordance with my rights under the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) .

Upon reviewing my credit report, I discovered the following inaccurate items : XXXX. XXXX XXXX XXXX Account XXXX Show 30 Days late when account was closed by me in XXXX and never late in XXXX. Its still showing open and Late XXXX. XXXX XXXX Account XXXX The account is not mine and it was opened Fraudulently. 



These items are erroneous and unverifiable, and I am exercising my rights under federal law to request their immediate deletion. 

Under 15 U.S.C. 1666b, inaccurate billing information must be corrected promptly.

Under 15 U.S.C. 1681a, the credit bureaus are required to ensure that all reported information is accurate and must remove unverifiable data.

Under 15 U.S.C. 6802, my financial information can not be shared without my explicit consent, and I revoke any previous authorization related to the dissemination of inaccurate data.

I demand that you investigate these inaccuracies and provide written confirmation of their deletion immediately, as required by law. If these errors are not corrected, I will have no choice but to escalate my complaint to Federal Trade Commission ( FTC ), and take legal action if necessary. 

Please send me an updated copy of my credit report reflecting these corrections. Please delete any and all inquiries not tied to my accounts. 

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 2025-03-04 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: OH

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