vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 XXXXXX/XX/year> XXXX XXXX XX/XX/year> 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
inaccurate credit reporting. I would like to dispute .

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 2025-03-12 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-12 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-12 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 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: TX

Complaint narrative:
Subject : Incorrect Charge-Off Balance on Credit Report XXXX XXXX Complaint Description : I am filing a complaint against Experian for reporting incorrect information about my XXXX XXXX credit card account. 
Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance Reported : {$1000.00} ( Incorrect ) Last Payment Date : XX/XX/XXXX Balance Updated Date : XX/XX/XXXX Issue : XXXX sold this debt, meaning they no longer own it and should not be reporting a balance. Instead, the account should be marked as Transferred/Sold with a {$0.00} balance, but Experian continues to show it as a charge-off with a past-due balance, which is inaccurate and unfairly damaging my credit. 

Additionally, the charge-off date and balance update date appear inconsistent and incorrect. If the account was charged off in XX/XX/XXXX, there should not be a balance update recorded as of XX/XX/XXXX. This raises concerns about inaccurate reporting practices. 

I have disputed this with Experian, but they failed to correct it. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate information. I am requesting the CFPB to investigate and require Experian to update my report correctly. 

Resolution Requested : Correct the account status to Transferred/Sold, Balance : {$0.00}. 
Remove the charge-off if it can not be corrected.

Ensure XXXX does not report incorrect balances since they no longer own the debt. 

I am attaching supporting documentation, including my credit report screenshot showing the incorrect charge-off balance and inconsistent reporting dates. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Subject : Incorrect Charge-Off Balance on Credit Report XXXX XXXX Complaint Description : I am filing a complaint against Experian for reporting incorrect information about my XXXX XXXX credit card account. 
Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance Reported : {$1000.00} ( Incorrect ) Last Payment Date : XX/XX/XXXX Balance Updated Date : XX/XX/XXXX Issue : XXXX sold this debt, meaning they no longer own it and should not be reporting a balance. Instead, the account should be marked as Transferred/Sold with a {$0.00} balance, but Experian continues to show it as a charge-off with a past-due balance, which is inaccurate and unfairly damaging my credit. 

Additionally, the charge-off date and balance update date appear inconsistent and incorrect. If the account was charged off in XX/XX/XXXX, there should not be a balance update recorded as of XX/XX/XXXX. This raises concerns about inaccurate reporting practices. 

I have disputed this with Experian, but they failed to correct it. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate information. I am requesting the CFPB to investigate and require Experian to update my report correctly. 

Resolution Requested : Correct the account status to Transferred/Sold, Balance : {$0.00}. 
Remove the charge-off if it can not be corrected.

Ensure XXXX does not report incorrect balances since they no longer own the debt. 

I am attaching supporting documentation, including my credit report screenshot showing the incorrect charge-off balance and inconsistent reporting dates. 

Thank you for your assistance in resolving this matter. 

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 2025-03-12 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I am filing a complaint against Consumer Adjustment Company , Inc. ( CACi ) due to their continued dishonesty, failure to remove my account as promised, and violations of consumer protection laws. 

On XX/XX/year>, CACi falsely claimed that my account was closed and that they had sent an expedited deletion request to the credit reporting agencies. However, as of XX/XX/year>, the account remains actively reported, proving that CACi has not fulfilled its obligations. 

This false statement has caused ongoing damage to my credit, affecting my financial stability and ability to obtain loans or credit approvals. 

CACi is in clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws by : Providing false and misleading information regarding the removal of the fraudulent account. 
Allowing inaccurate reporting to continue, despite their claims that the account was deleted. 
Negligently or intentionally harming my credit, resulting in denied financial opportunities. 

I have reviewed my credit reports, and the account is still reporting as of today. I have attached documented and denials. 

Due to CACis failure to remove this account as promised, I have suffered financial harm, including credit denials, higher interest rates, and financial stress. I am demanding financial compensation in the amount of {$1500.00} to cover these damages. Additionally, CACi should be fined for its deceptive practices and violations of the Fair Credit Reporting Act ( FCRA ). If this is not resolved immediately, I will escalate this matter legally to the highest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I would like to file a complaint against Robinhood regarding their handling of my account, which has caused me financial loss, emotional distress, and undue hardship.

I opened my Robinhood account based on their advertised ease of use. Initially, my experience was smoothI completed the verification process, deposited funds, and made stock and cryptocurrency purchases. Although their crypto transaction fees of 0.61 % were higher than expected, they were manageable. 
However, issues arose when I attempted to withdraw one of my crypto assets to my XXXX account in order to acquire a token not available on Robinhood. Robinhood flagged this transaction as " suspicious, '' which I initially understood as a precautionary measure. However, their resolution process proved to be non-existent, leading me to believe that they were intentionally delaying my access to funds for their own benefit. 
At first, Robinhood promised to resolve the issue by XX/XX/XXXX, but they failed to meet this deadline. They later requested additional verification, including account statements and an in-app " 3D '' photo of my face. The app indicated that the review would be completed by XX/XX/XXXX, yet no resolution was provided. On XX/XX/XXXX, I received a phone call from Robinhood, but due to my limited XXXX proficiency, I required translation assistance from my son. Unlike my bank and other financial institutions, which provide translators or allow a trusted individual to assist, Robinhood refused to accommodate my needs. Instead, they told me they would email further instructions and suggested I use XXXX XXXX. 
Despite this assurance, Robinhood did not email me for over a week. On XX/XX/XXXX, I unexpectedly received a notice stating that my account was discontinued due to suspicious activity. At no point was I given a fair chance to clarify or rectify the issue. 
During this period, my account was frozen, preventing me from trading or taking necessary actions, leading to a financial loss from {$20000.00} to {$17000.00}. This experience has caused me significant stress, anxiety, and sleepless nights, in addition to the financial burden imposed by their actions. 
I have since discovered numerous similar complaints from other users detailing Robinhoods questionable practices of freezing accounts without proper justification, withholding funds, and failing to provide adequate customer support.

I urge your office to investigate this matter thoroughly and take appropriate action against Robinhood for their unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my student loan account serviced by XXXX on my Equifax credit report. The account details, as reported by Equifax, contain multiple errors that are negatively impacting my credit profile. The incorrect information includes, but is not limited to : XXXX. Incorrect Balance Reporting : The reported balance of {$3200.00} is inaccurate and does not reflect my actual loan balance.

2. Incorrect Highest Balance : Equifax is incorrectly listing the highest balance as {$1500.00}, which is not accurate.

3. Mathematically Impossible Payment History : The report incorrectly states that I have paid off -119 % of this loan, which is illogical and demonstrates clear reporting errors.

4. Incorrect Late Payment Reporting : Equifax is reporting XXXX missed payments ( XXXX and XX/XX/year> ), which is completely false. I have never been late on my student loan payments, and this misinformation is severely damaging my credit score. 
XXXX. Inaccurate Account Details : The reported term length of 300 months ( 25 years ) does not match my loan agreement, and the account reporting overall is inconsistent with my actual repayment history. 

Incorrect Account Classification : This is not a student loan that I have, according to XXXX ( see attached documentation ). 

These inaccuracies are a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit reporting agencies to ensure that all reported information is accurate and verifiable. My credit report should only reflect truthful, correct, and properly substantiated information. The errors on my report have already caused significant harm to my credit score and overall financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern at JPMCB- CARD DERVICES XXXX, XXXX XXXX 
and XXXX Congress says `` accept as in provided in paragraph 3 the term consumer report does not include reports containing information solely as the " transactions or experiences '' between the consumer and the person making the report '' Payment History would qualify as a " transaction or experience '' Therefore reporting this derogatory information on my consumer report is in direct violation of laws set for by Congress. 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and updated on my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Pursuant 12 CFR Part 1006 - Fair Debt Collection Practices Act According to Federal Law reporting late payments is ILLEGAL 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) ( i ) ( b ) if they are unable to provide proof or Lacking proof of these payments being late please update my payment history to ( PAANL ) status ( Paid As Agreed Never Late ) according to consumer protection laws.

Please update any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( XXXX ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation