vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VT

Complaint narrative:
I purchased tickets on line on XX/XX/XXXX for a show which I paid {$880.00}. The show was for XX/XX/XXXX when I arrived there they said tickets were invalid. Had to purchase more tickets that XXXX. I sent letter from the theater stating tickets were invalid and email from go tickets saying tickets were cancelled. They still have not credited my money yet It clearly states those tickets were invalid. I have given them phone number where the show was and they have not called them yet. The theater has been very cooperative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-07-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I have received excessive emails which I consider harassment. This is also a violation of the XXXX rule, and under the FCRA and FDCPA, this constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Transunion is reporting an account with the original creditor being XXXX XXXX XXXX. My wife, contacted XXXX XXXX on my behalf regarding an account that they placed on my credit report. However, the representative, XXXX XXXX, spoke little XXXX, wasn't able to provide simple information on the account such as devices, or payment history. You could hear other phones ringing in the background like this is a foreign calling center! I then was transferred to his supervisor, XXXX XXXX, who was not any further help. XXXX XXXX XXXX has failed to comply with their legal obligations under the FDCPA and FCRA. 
Specifically : They refused to provide their license information when requested. Instead, they redirected me to a website. They failed to provide a payment history or an itemized breakdown of the {$5500.00} they are attempting to collect. They confirmed that the majority of the balance is for XXXX XXXX XXXX devices, yet could not specify which devices or provide ANY supporting documentation. Despite claiming to collect on behalf of XXXX XXXX XXXX, they could not confirm the nature of the charges, the contract details, or how the total was calculated. This lack of transparency and failure to provide basic validation constitutes a violation of FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). I am requesting that this account be removed from my credit report until full, proper documentation is provided

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 2025-07-14 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 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland credit, multiple credit items on report are result of identity fraud due to multiple identity theft and identity breaches including XXXX 2024, change healthcare 2024 and experian breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
Since XXXXXXXX XXXX XXXX, I've had on-time payments. During the last payment, the amount due in XXXX, I received an inflated final payment amount that I could not pay in XXXX lump sum. I called XXXX to work out a payment plan, which they've agreed to, but did not honor. The full amount is paid off, but they marked my account as 30 days late after honoring the payment plan by phone. This inaccurate negative mark reflects on Experian, 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 2025-07-14 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: MD

Complaint narrative:
Since XXXXXXXX XXXX XXXX, I've had on-time payments. During the last payment, the amount due in XXXX, I received an inflated final payment amount that I could not pay in one lump sum. I called XXXX to work out a payment plan, which they've agreed to, but did not honor. The full amount is paid off, but they marked my account as 30 days late after honoring the payment plan by phone. This inaccurate negative mark reflects on XXXX Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
Since XXXXXXXX XXXX XXXX, I've had on-time payments. During the last payment, the amount due in XXXX, I received an inflated final payment amount that I could not pay in XXXX lump sum. I called XXXX to work out a payment plan, which they've agreed to, but did not honor. The full amount is paid off, but they marked my account as 30 days late after honoring the payment plan by phone. This inaccurate negative mark reflects on XXXX XXXX and TransUnion.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged XXXX times by XXXX between XXXX in the amount of {$580.00}. I submitted a claim to Wells Fargo and they denied the claim on XX/XX/year> due to " using the merchant in the past and XXXX charge out of XXXX being authorized. '' Which was accidentally authorized. 

I called on XX/XX/year> and spoke to multiple levels of support stating they can not rebuttal and there's nothing the bank can do.

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 2025-07-14 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-14 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: IL

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

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 2025-07-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-14 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 Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
After reviewing my credit report, i see many accounts aren't mines and i also found out I was involved in an Equifax data breach which exposed millions of consumers information in a data breach, and I was affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood offered a limited-time promotion where users could earn a XXXX XXXX XXXX by referring XXXX friends who joined the waitlist and paid for a Robinhood Gold subscription before XX/XX/year>. 

I participated in good faith, referred multiple friends, and was told repeatedly by Robinhoods support agents that referrals could skip the XXXX free trial and pay immediately meaning I could qualify in time. However, this turned out to be false. The trial is mandatory, making it impossible for my referrals to qualify by the deadline if they started late. 

After spending time and effort referring people, I reached out to Robinhood, and after weeks of back and forth ( which I documented ), they acknowledged the confusion and said it had been escalated internally. Ultimately, I received a message from a support agent named XXXX, stating that despite the misleading information I was given by Robinhood staff, they would not honor the reward. 

This feels deceptive and unfair. The promotion is effectively unavailable to anyone referred after late XXXX, and Robinhood continued to market it without disclosing that limitation clearly. 

Im asking for one of the following : XXXX. Granting the XXXX XXXX XXXX that I fairly earned XXXX. A public acknowledgment of the issue and alternative compensation for impacted users XXXX. Clarification to customers that the XXXX XXXX XXXX is no longer attainable, due to the XXXX trial Robinhoods customer-facing staff directly misled me, and now theyre refusing to take responsibility. Id like this reviewed formally by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America, I open my account on XX/XX/year> and deposited XXXX checks amount are as follows {$2.00} {$69000.00} {$85000.00} {$82000.00} These check are my Tax refund form 941 Employees Retention Credit which were issued from IRS. 
Next day of deposit they send message to me that your account on hold until check will clear, then they issued another letter on XX/XX/year>, that ur account going to closed soon after fund received and they will issued balance check to my company name when its officially closed. 
On XX/XX/XXXX my fund got released from IRS and transferred to My account in Bank of America, after that on XXXX of XXXX they officially closed my account and now after 6 days closing of account they dont want to release my fund amount {$230000.00}.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
I received mail from CFPB earlier this year & I didn't realize a check ( XXXX ) was enclosed that needed to be cashed. I assumed it was another bill. My apologies. The check has since been voided due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX MY DEBIT CARD WAS CHARGED FOR XXXX BASEBALL TICKETS AT XXXX EACH, XXXX AT A TIME SO IT WAS OBVIOUS THEY WERE TRYING TO PUSH IT THROUGH. THEN IT REDUCED TO XXXX TICKETS WHICHTHEY TOOK THE FUNDS FROM MY SAVINGS ACCOUNT BEFORE I HAD A CHANCE TO CALL. I CALLED AS SOON AS I SAW THIS AND STATED I DID NOT MAKE THAT PURCHASE. THE WOMAN ON THE PHONE TOOK NOTE BUT DID NOT TELL ME TO CANCEL THE CARD. I DROVE IMMEDIATELY TO THE XXXXXXXX XXXX BRANCH AND THE WORKER THERE WAS USELESS TO HELP ME, SHE FILED THE COMPLAINT. I HAD A WORKER XXXX XXXX FROM CORPORATE CALL ME THE NEXT DAY AND HE ASSURED ME IT WOULD BE TAKEN CARE OF. AND IT WAS, ALL FUNDS RETURNED. 
YESTERDAY I GOT A LETTER STATING THEY DECIDED IT WASN'T FRAUD AFTER ALL AND TOOK THE MONEY AGAIN!! IT WAS ABSOLUTELY FRAUD AND VERY OBVIOUS. THIS HAS TO BE ILLEGAL. {$700.00} AS OF XX/XX/XXXX WAS TAKEN TO PAY FOR TICKETS THAT I NEVER ORDERED. 
I FILED ANOTHER COMPLAINT AND CALLED XXXX AND LEFT A MESSAGE AND HEARD NOTHING. I WANT MY FUNDS RETURNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: GA

Complaint narrative:
{$590.00} was not tooken out by me and I did not give permission to take this money from me or make this transaction as it is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
I am filing this complaint under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA due to multiple violations by this debt collector. 

Despite lawful demand for debt validation under XXXX XXXX XXXX ( b ), the company has failed to provide verification but continues to report and collect on an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief