vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
b'XXXX XXXXXXXX\n1XXXX\nXXXXPLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142(B)(4)-5-1002.142(B)(7), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: 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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Account LVNV FUNDING LLC XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the XXXX  Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I recently began to learn how to invest in crypto and wanted to clear my bank account before moving forward with larger investments I deposited that last couple XXXX into Robinhood to purchase bitcoin. Before the rise. And on XX/XX/year> Robinhood restricted my account out of nowhere for noreason after 1 small deposit of $ XXXX was deposited. Since my entire {$3900.00} has been frozen locked in Robinhood and theyve denied me access to withdrawing my personal funds causing me to also be late on my rent and having to owe an additional fee for late rent.

Per consultation with my legal counsel, I am writing to formally address a serious concern regarding the handling of my account funds. We recently received an email notification from Robinhood stating that an assisted withdrawal was initiated to my checking account ending in XXXX. However, this transaction did not reflect the full balance owed. 

We hereby demand that the remaining balance of {$3800.00} be processed immediately through the same assisted withdrawal method to the same checking account ending in XXXX. 

On XX/XX/year>, an assisted withdrawal in the amount of {$35.00} was processed to my verified bank account ending in XXXX. 

On XX/XX/year>, with no consent of mine {$70.00} was returned to a funding source via debit card transfer that I have no access to to or can show proof of receiving any money which is theft by Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
XXXX XXXX XXXX XXXX XXXX XXXXnThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX   as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
Ive tried disputing the inaccurate information these accounts are not mine this is fraudcharge off .. America credit acceptance  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XXXX .. XXXX XXXX XXXX $ XX/XX/XXXX charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DEPT OF ED ] [ XX/XX/XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My XX/XX/scrub> 2025 bill from XXXXSynchrony Bank was {$130.00}. The bill was dated XX/XX/year> and was due XX/XX/year>2025. I was paid electronically through my bank checking account on XX/XX/year>2025 but, through my mistake, I only paid {$130.00}. 

I did not notice an interest charge of {$2.00} on the XXXX bill and just paid the full amount due of {$35.00} ( due XX/XX/scrub>/2025, paid XX/XX/year>2025, again electronically through my bank checking account ). 

I received the May bill and, this time did notice the interest charge of {$2.00}. The total amount due ( on XX/XX/year>2025 ) was {$140.00}. The bill was received XXXX/XXXX/2025 and I paid the full amount on XX/XX/year>2025. 

So, I've been charged {$4.00} interest on {$0.00} or 667 % interest this seems excessive!

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 monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I got XXXX bit coins and trusted one day they would be worth more- the person who recommended to buy them was the same stealing them. I was getting to know him until I found out he lied and stopped being a friend. Then meanwhile got married divorced end up a single mom and when I wanted to find out as my bitcoins I realized my email was hacked and they were gone. 

I tried finding help and a company was charging thousands to recover them. They investigated as I provided the email of the person taking them and hacking my email pretending it was me and saying I wanted to sell them in a XXXXXXXX XXXX  deal he created. They said he still have them in the wallet. 

The hacker is super smart with computers but I should have had more protection. And the company at least should have investigated or make a phone call so I could say I didnt want to transfer them. 

https : //coinbase.com/transfers The email of the person stealing the bitcoins was : XXXX XXXX XXXX  And he said his name was XXXX but it was XXXX XXXX XXXX I found out when the police in Utah called me to pick up my friend or they would take him to jail. Several DUIs he said. I helped him as he was a XXXX XXXX and I thought a good person but I actually went to the police in XXXX XXXX XXXX and they gave him a call to stay away. 
I never imagine that he will be able to steal the XXXX bitcoins. 

XXXX... XX/XX/year> XXXX Subject : Payment XX/XX/year> | XXXX PST XXXX XXXX : Hi XXXX XXXX 
No, a Coinbase account is not required by the customer. Any bitcoin client can be used to send funds to the QR code / bitcoin address presented.

Users that send bitcoins do not enter their address, they send coins to an address. 
Similar to email, to send an email to you, I would send an email to XXXX, l would not enter my email address to send the email. 
I hope this clears things up. Feel free to ask any other questions you may have! 
XX/XX/year> | XXXX PST XX/XX/year> | XXXX PST Original message XXXX wrote : I setup an account here to accept bitcoin on my web site / merchant store. 
I am working on this around the clock for a XXXX XXXX sale and to roll out to the local group doing a " Bitcoin XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX 
Just for kicks I purchased {$40.00} in bitcoin over a week ago and it is not yet in my account. 
This does not distill trust that this currency works the was as advertised. Please credit my account with the {$40.00} in bitcoin purchased at {$800.00} per bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
XX/XX/XXXX sofi withdrew money from my credit union. Then it was deposited into an XXXX account. I dont bank with XXXX. There was suspicious activity so I closed my sofi account. I hadnt made any transactions since XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
XXXX XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX    as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is not associated with any transactions I have made. It is the result of fraudulent activity. I have included hese items in my Identity Theft Report and have highlighted ther on the attached copy of my credit repor I am also requesting the removal of all names and addresses from my credit report, except for my correct name and current address which are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 1 respectfully request that you block the fraudulent information from my credit report and notify all furnishers of this information accordingly.

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted A copy of my Identity Theft Report and proof of identity A copy of Section 605B of the FCRA, which requires you to block the fraudulent information from my credit report withir four business days and notify the furnishers promptly Thank you for your immediate attention to this matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: OK

Complaint narrative:
I called Trans Union about a debt collection thats showing up on my credit report that should not be there that the company even admitted they violated HIPAAs and were taking the account off of my credit report. I called Trans Union did all the identification verification, I was then connected to an agent Who wanted me to repeatedly verify who I was and refused to move on and let me give them the information that should be removed from my credit report as the company stated they were gon na do. Instead of doing so because I would not verify my identification more than 2 times as I had done it already through the automated System. I was not gon na give my information again to someone who could barely speak XXXX so they hung up on me instead of taking my call or transferring me to someone who I could understand.

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