vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
This vehicle was for my ex wife, she had the car. Even when the car is credited they still call me and also have not removed the negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that XXXX be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I had one late payments on an account that I was never late for. Consumers reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX Account # XXXX ) Please investigate and provide proof showing with these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I had one late payments on an account that I was never late for. Consumers reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX Account # XXXX ) Please investigate and provide proof showing with these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial has been calling me numerous times in one day. In addition, they contacted me at my place of employment on XX/XX/XXXX and left a message even though they had already left a message on my cell. On that date, I sent a written request via email asking that they do not contact me at work. The email did not come back as undeliverable. On XX/XX/XXXX, I was again contacted at my place of employment and another voicemail was left. 

In addition to the above, on XX/XX/XXXX, I was contacted a total of 4 times on my cell : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Both of the above are violations of the Florida Debt Collections Practices Act which states that a debt collector may not contact me more than 7 times in 7 days. They must also cease contacting me at my place of employment upon my request. Between the period of XX/XX/XXXX - XX/XX/XXXX, OneMain Financial contacted me a total of 16 times.

I contacted OneMain on XX/XX/XXXX and spoke to the branch manager who indicated they are allowed to contact me " 5 or 6 times a day '' are are following all state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$2900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$470.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$230.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking savings account at Chase bank. When I went to retrieve some money with birth certificate, drivers licence, social security card, XXXX XXXX XXXX XXXX  I was denied access told even though I was at the teller. XXXX said to go use the machine out back. When I brought the money in I put it in the tellers hand. Now they said I have to get money out the back XXXX XXXX thru. when I asked why I had to use the XXXX only machine out back they called the police. A lady met the XXXX out front they talked awhile and the XXXX came in and told me to go outside. I asked to press charges for theft because now I want all my money out and they refused to serve me stating they said no. I asked to speak to them. Explain who they were that was holding my money. Offered to get them help if they are wink wink in trouble. I told her to blink twice if this is a situation. The XXXX said ok we will give you XXXX which I refused stating it's my money XXXX I want to press charges of theft against these people. And I have questions about my points. There were thousands of them now they are gone. My statements do not add up to reality. And they are not allowing me access to my money. The XXXX made me leave and the staff looked out the window and laughed at me. I hald medical issues and I never got any of the money I earned in points. I have a copy of ALL my statements. A couple days later a representative called to apologize but the damage was done. Late bills and a loss of respect for what I thought was a prestige institution. I want an accounting for of my points, why my statements don't match what happened verifiable by XXXX maps. Why I never received my money and who is they that treat me like it's the XXXXXXXX XXXX and send me to the XXXX machine out back. I want my money. All of it. And an explanation for making up things on my statements. I feel they embezzled my thousand of points because I never cashed in the XXXX each points from calculations on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OR

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
I am submitting this formal complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I filed over 30 days ago. On [ Insert date ], I sent a written dispute challenging the accuracy and completeness of the following account ( s ) on my credit report : 1. Under 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies subsection ( 3 ) you failed to notate that this account was in dispute within 30 days. As a result this account is now in violation of the statute XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the credit bureau is required to conduct a reasonable reinvestigation and respond to the consumer within 30 days. It has now been more than 30 days, and : ( 1 ) I have not received any written confirmation of investigation results ( 2 ) OR : I received a response, but it failed to include proper verification documentation, or the reinvestigation was incomplete and insufficient Additionally, continued reporting of inaccurate or unverifiable data violates : ( 1 ) FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy ( 2 ) FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified ( 3 ) FCRA 616 & 617 Willful or negligent noncompliance with FCRA obligations I have acted in good faith and provided all relevant documentation. This noncompliance has negatively impacted my credit, and I am requesting that the CFPB take regulatory action to ensure my rights are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : XX/XX/XXXX Date of Birth : XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). XXXX XXXX XXXX, XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Experian reporting inaccurate accounts on my credit report. ALL OF THE FOLLOWING ACCOUNTS ARE INACCURATE AND ARE BREAKING FCRA LAWS AND CODES. 
XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/year> and a balance of {$690.00}. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$140.00}. 
XXXX XXXX with account # XXXX and a balance of {$1500.00}. 
The original creditor is XXXX XXXX XXXX 
XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX XXXX XXXX 
XXXX XXXX with account # XXXX and a balance of {$1000.00}. 
The original creditor is XXXX XXXX XXXX. AND ALL THE ADDRESSES THAT ARE CONNECTED TO THOSE ACCOUNTS I WANT DELETED AND BLOCKED DUE TO VIOLATING FRCA LAWS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$2400.00} Open Date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Robinhood 's actions surrounding the handling of my account and the inability to access my funds. After purchasing a SPY call option and closing the position, I attempted to transfer my settled cash balance of {$18000.00} on XX/XX/year> back to the same verified bank account I originally used to deposit the funds. However, the transfer was denied. That same day, I received an email stating that my account was under review and I was asked to submit identity verification documents. I promptly complied by submitting a photo and a copy of my passport. Despite my full cooperation, Robinhood then informed me that they are in the process of closing my account, without providing any clear justification or timeline, and I have been unable to recover my funds. 

I have been trying to reach out to them since XX/XX/year>, which is now XXXX days without any resolution. 

I have emailed Robinhood multiple times requesting updates and clarification. In response, I have only received generic messages stating that it may take up to XXXX  days to return my money because they are " in communication with my bank. '' I confirmed directly with my bank that no such communication has taken place. This claim appears to be a delaying tactic, as it is entirely unreasonableit takes XXXX  days to deposit money into Robinhood, yet they are claiming it takes XXXX  days to return my own funds. I still have no clear explanation or resolution. 

I am requesting immediate action to return my {$18000.00}, along with a transparent and accurate explanation for this delay. If this is not addressed promptly, I am prepared to escalate thematterfurther.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: GA

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 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