vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood failed to protect my account from unauthorized transactions despite my repeated warnings. In XX/XX/, my account was hacked, and the attacker transferred my XXXX  holdings out of my account. Additionally, the hacker sold several of my stock positions to cash out funds. Robinhood did not restore my stock positions. Instead, they only returned the money that was fraudulently spent using the unauthorized cash card issued at that time.

While the hack was happening, I contacted Robinhood chat support and explicitly warned them that my account was being compromised in real-time. The agent dismissed my concerns and told me, " Not to worry. '' The next day, my XXXX  was gone.

After the hack, Robinhood froze my account for two months but never properly investigated my case. I have repeatedly requested chat transcripts from XXXX  XX/XX/XXXX to prove my case, but Robinhood has ignored my requests. Recently, I also discovered that Robinhood issued a new cash card to an unauthorized address, showing continued security failures.

Despite multiple escalations, Robinhood has denied my claims, stating the transactions were " authorized '' without providing evidence. Their support has been unhelpful, looping through generic responses and directing me to chat or phone support without resolving the issue. This lack of accountability has caused me financial loss and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-13 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
Ive sent hardcopies of police report IDs. They just updated the report when it clearly shows fraud activity on my credit report world finance farmers furniture are charge off. remove XXXX XXXX XXXX remove date of birth XX/XX/year>. Its inaccurate. I I was working in XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX call someone was filing unemployment in my name in XXXX while I was working in XXXX XXXX when she returned, they left the.

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 2025-02-13 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: IL

Complaint narrative:
We have send all documents over and over And they always add an excuse to make thing harder for consumers. They al ways have all the information then they ask do writer recuest and they they have it and ask for more and have consumers in the same game for over years. 

Just need this fraud account block from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
i did not authorize this transaction i did not apply for any credit card my identity was stolen and Experian credit breach that my identity was compromised and i was a victim of fraud car loans i did not open credit cards i never received I've disputed these charges several time with no results i want this completely of 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 2025-02-13 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: TX

Complaint narrative:
Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear TransUnion, Experian & Equifax I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and to address violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I request that your agency investigate the items outlined below and take corrective action to ensure compliance with federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
Social security is XXXX From XXXX XXXX my complaint is that experian and trans union has not removed the negative items off my reports on experian their one negative item and Trans u ion their three negative items .these items supposedly been removed from my reports I have a federal trade report on file. Please have Trans union and experian block these negative accounts and also on Trans union theirs four hard credit inquiries that suppose to be removed off my Trans union reports

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 2025-02-13 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being by Equifax, TransUnion, Experian. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. 18 missed or late payments on closed accounts that were disputed, paid in full, or inaccurate.

2. Any and all negative remarks, inquiries that dont match accounts on profile.

3. Data Breach, information stolen.

4. Additional names and addresses not used or never owned.

5. Denial of credit and Adverse Actions.

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 2025-02-13 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being by Equifax, TransUnion, Experian. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. 18 missed or late payments on closed accounts that were disputed, paid in full, or inaccurate.

2. Any and all negative remarks, inquiries that dont match accounts on profile.

3. Data Breach, information stolen.

4. Additional names and addresses not used or never owned.

5. Denial of credit and Adverse Actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
The collection with XXXX XXXX XXXX was disputed several times in XXXX XXXX and nothing has been resolved. I do not have any accounts with XXXX XXXX, in owing the amount of XXXX nor did i ever have an open balance with them in the amount of XXXX nor have I ever received the requested copy of the original debt contract with my signatures nor have i received any written correspondence from this XXXX XXXX XXXX showing me an original signed contract or debt i currently owed with them. As per 15 U.s.c 168 Equifax and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items with in 30 days. Furthermore, under 15 u.s.c any information found to be in accurate, incomplete or unverifiable must be promptly deleted. I am requesting this be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
I sent a dispute to Experian, Equifax, and TransUnioXXXX multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXXXXXX XXXX Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, Equifax, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
I sent a dispute to Experian, Equifax, and TransUnioXXXX multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXXXXXX XXXX Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, Equifax, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.

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 2025-02-13 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Xperia Credit Solutions
State: TX

Complaint narrative:
I signed up with Xperia Credit Solutions on XXXX XXXX with initial payment of {$100.00}. The monthly payment of {$100.00}. for 6 months agreed upon time to fix my credit. This company did nothing but scam me out of my money each month because my credit score is still bad 6 months later. They promised to raise my credit score, put my credit report in good standing to buy a home. This company wasted my time and stole more than {$700.00}. from me for services i never received. They never gave updates or progress report they just vanished and call when it was time to make a monthly payment. This company is a scam, fraud, and taking advantage of people with bad credit. I will file a complaint with the FTC, State and other agencies. They have my confidential information and i will file Identity Theft report. They fail to provide the service they promised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
funds from the unemployment department were paid out to the Bank of America prepaid card and the total amount of {$38000.00}. I have disputed these matters and they have denied my dispute asking me for further documentation which I don't understand what documentation I would provide when I've never received a card and it was fraudulent however, out of that XXXX they did issue {$8000.00} of a credit so what I'm trying to understand is why is it that that was honored but the rest is not

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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have never been late on my mortgage, I have less than XXXX left on my mortgage from a XXXX mortgage I originally took out with Wells Fargo in XXXX, right before the XXXX financial hardship. I lost my job, all income in XXXX on XXXX and used my savings and all possible resources to maintain my mortgage. Once I wasn't able to, I contacted Wells Fargo and received a XXXX XXXX forbearance of which expired this month. I was told they were unable to assist me further and only was able to provide me with a government agency contact that's closed for NY residents. How is this fair? I paid down most of my loan, even applied for numerous positions within the bank and now at risk of foreclosure after having a hard time finding employment after working for 23 years and never asking for any help from any agency and paying all my taxes. I really need help please.

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 2025-02-13 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: NC

Complaint narrative:
I am a victim of identity theft. Checked my credit today and there are several accounts I dnt acknowledge or authorize! All 3 bureaus need to remove these accounts they are really affecting my livelihood

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 2025-02-13 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 a victim of identity theft. Checked my credit today and there are several accounts I dnt acknowledge or authorize! All 3 bureaus need to remove these accounts they are really affecting my livelihood

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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