vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
This 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 **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report 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 non-monetary relief
Consumer complaint received 2025-04-11 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: DISCOVER BANK
State: NY

Complaint narrative:
i did authorize this account and have no knowledge of its existence. Please investigate this matter immediately and take the necessary steps to closer the fraudulent account and prevent any further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-10 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent, you are required to remove it from my credit report within a reasonable time frame.

It has come to my attention that certain fraudulent accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these fraudulent activities.

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 2025-04-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal demand for the immediate removal of inaccurate late payment entries being reported on my XXXX  XXXX account opened on XX/XX/XXXX. The information reflected in my credit file is factually incorrect. I have never missed a payment on this account, and the presence of these late paymentsespecially those over XXXX years oldis a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

You are legally obligated to report only accurate, complete, and verifiable information. These late payments are neither accurate nor verifiable, and they must be deleted from my credit report immediately. 

If this matter is not resolved within the required XXXX investigation period, I will take appropriate action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the Office of the Attorney General.

Enclosed are copies of my identification and supporting documents. I demand written confirmation of the removal of these inaccurate entries, along with an updated copy of my credit report once your reinvestigation is complete. 

This is your opportunity to correct this reporting error without further escalation. I expect swift and professional resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal demand for the immediate removal of inaccurate late payment entries being reported on my XXXX  XXXX account opened on XX/XX/XXXX. The information reflected in my credit file is factually incorrect. I have never missed a payment on this account, and the presence of these late paymentsespecially those over XXXX years oldis a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

You are legally obligated to report only accurate, complete, and verifiable information. These late payments are neither accurate nor verifiable, and they must be deleted from my credit report immediately. 

If this matter is not resolved within the required XXXX investigation period, I will take appropriate action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the Office of the Attorney General.

Enclosed are copies of my identification and supporting documents. I demand written confirmation of the removal of these inaccurate entries, along with an updated copy of my credit report once your reinvestigation is complete. 

This is your opportunity to correct this reporting error without further escalation. I expect swift and professional resolution. 

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 2025-04-10 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX weeks ago I received notice from Robinhood that my account was restricted. There was no explanation just told that I had to submit documents. I submitted them as soon as possible and was told to wait until last Friday. Then they asked for more documentation I sent it and they pushed it to Wednesday. Then I requested a callback spoke to a person and they could not give me info or a timeline. Then today I received notice that they decided to close my account and would maybe send me my funds back. They then submitted a withdrawal for me to an account I do not use. I reached out to withdrawal it to my main account and did not hear back so my money is still sitting in their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-10 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-10 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-10 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: GA

Complaint narrative:
I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit report, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely reported public data breaches that have compromised personal information, such as those affecting millions of consumers in recent years. Some of these accounts have already been removed by XXXX or XXXX other credit bureaus, yet they persist on your records, causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to demand the immediate deletion of several fraudulent accounts listed on my credit report, which remain despite prior disputes. These accountsresulting from identity theftdo not belong to me and were opened without my knowledge or consent. I am a victim of identity theft, likely exacerbated by widely reported public data breaches that have compromised personal information, such as those affecting millions of consumers in recent years. Some of these accounts have already been removed by XXXX or XXXX other credit bureaus, yet they persist on your records, causing ongoing harm to my credit profile.

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 2025-04-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-10 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: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Please remove all accounts that are not in XXXX XXXX Compliance. Also I do not consent to e-Oscar or any means of automated verification. Thanks for your help with this matter.

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 2025-04-10 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: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Please remove all accounts that are not in XXXX XXXX Compliance. Also I do not consent to e-Oscar or any means of automated verification. Thanks for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> our XXXX account for XXXX XXXX XXXX was fraudulently charged {$1300.00} by a XXXX XXXX who we do not know. I immediately notified XXXX and our bank, Truist. Truist immediately rejected the charge back to XXXX but XXXX paid it anyway and not won't give our money back. Someone has called shortly before that saying they were from the fraud department of our bank and they must have spoofed the # because when I looked up the # on the internet while on the phone it was the correct #. As the conversation went on and we supposedly kept getting disconnected, I realized what was going on and got a notice about the charge. XXXX refused to refund the money because somehow this person was able to log into our XXXX account. I assume this was done somehow with all the connect and disconnect calls but we never authorized this charge. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and don't have tons of money to be able to eat this {$1300.00} We had to use our XXXX terminal, while this matter was being investigated by XXXX, so now we are not only out {$1300.00} because XXXX created a negative balance but we also collected {$550.00} in donations which XXXX has deducted from the {$1300.00} negative balance. They are supposed to be looking out for our interest as a business and they are not interested in further investigating this matter and returning all of our money, XXXX.e. the {$1300.00} plus the {$550.00}. They should have known this was fraud right away as we never keep any money in our XXXX account. As soon as an event is over, we immediately transfer out this money to our bank account and we have never paid such a sum of money to anyone through this account.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, a wire for {$3000.00} was sent by wire transfer from the XXXX account # XXXX to XXXX XXXX XXXXXXXX XXXX, routing # XXXX, account # XXXX, recipient XXXX XXXX XXXX. The wire showed successful from the bank side of the transaction.= for the eventual deposit in the crypto account with Crypto.com Please be advised that the XXXXXXXX XXXX wire system lists the master account, however it then also designates the funding account and even though XXXX XXXX was indicated on the wire transfer advice it was not the sending account. The funds were wired from XXXX XXXX XXXXXXXX XXXX # XXXX from XXXX XXXXXXXX XXXX On XX/XX/XXXX, XXXXXXXX XXXX determined that I did not fall into the type of business XXXXXXXX XXXX was comfortable with and both of the aforementioned accounts were closed and the relationship between me and XXXXXXXX XXXX was ended and the sending account was closed. There was no further explanation offered. 

It came to my attention that Crypto.com ultimately rejected the wire as it was not in their policy to accept XXXX party wires and attempted to return the wire to the XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX after the closing date and consequently acceptance was declined by XXXXXXXX XXXX. 

I have acknowledged that I was unaware that the wire would be rejected if sent from a 3rd party and not sent from his like named account. Even though the account was owned by him as a business account he felt it would not be a 3rd party account. 

Since XX/XX/XXXX I have tried to work with Crypto.com to have them wire the funds back to my new personal bank account however they will not cooperate in any form and continue to tell me it is against their policy to return the funds except to the original sending account even thought it no longer exists even though they acknowledge the money is in their control and is mine. They have continued to ask me to worrk with XXXX XXXX to establish a relationship again but they are not responding to my requests. 

Crypto.com did not immediately return to funds to XXXXXXXX XXXX and only a couple of weeks after XXXX did they attempt to return the funds after I inquired why they were not posted in my account. I had just had XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I had not monitored the account daily believing that all was completed. If they had returned the funds in a normal time frame this would not have been a problem but for no fault of my own XXXX XXXX  decided to terminate a 20 year relationship and therefore I am stuck in the middle of corporate policies with no advocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XXXX I started searching the internet to get ideas of what kind of vehicle I wanted, the cost, trade in and monthly note. I thought the sales man seemed very honest but since XXXX of this year this auto dealership where I found an affordable fit advised me thst they had a great finance company instead of going thru my local bank. This said finance company told me it would be a hard inquiry and that it would only be on my credit report 30 days!! Well, until today 's date this company and this sales man I want charged with fraud! FOR I HAVE XXXX HARD INQUIRES THAT WILL BE ON MY CREDIT REPORT XXXX XXXX YEARS!!!!!! This auto dealer, aka XXXX XXXX XXXX in Tennessee violated my private information and lied to me. The salesman told me this ( XXXX ) XXXX CREDIT COMPANY OFFERED A REBATE IF I FINANCED WITH THEM REDUCING THE BOTTOM LINE COST OF THE XXXX!!! I AGREED TO THAT CREDIT COMPANY ONLY!!! 
NOTE : IM A XXXX WITH XXXX XXXX and " Had '' a decent score until now. As I said earlier I'm getting rejection letters from all of these companies I never heard of. In the meantime, still getting letters because some have run multiple times with same bank!!!! My score is in the tanks, I need to get a vehicle desperately because I'm alone with no family, no help and my AC is broken in my vehicle, which was my trade in ... .they knew this that when this started in XXXX I had no heat and was stranded!! It costs too much to fix on an older XXXX 
Since then, I found a letter to send to each and every bank and got back horrible letters that they will nit renew it and I should file a police report for identity theft!!! No help, the credit burea will not remove, they said I had to call this dealership. I did just that and the sales manager ran me around on circles with so many lies only to tell me " He would love to get me in a vehicle!! And that they were trying to find financing and this is how they shop for the best rates???????? This can not be legal. I'm soooo upset, my local banker told me the bank would not look approvingly on XXXX hard inquiries. He's planning to help me consolidated my credit cards and follow with the auto loan. Today it's XXXX degrees, it's too hot to get in my vehicle. I'm having my XXXX XXXX XXXX in XXXX and truly need this solved for come XXXX and XXXX, XXXX I'm XXXX with ko transportation because of this Salesman and Companies greed practices!! 
Please help me!!!

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