vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my personal information was compromised in the XXXX Equifax data breach, which exposed critical data including my Social Security number, date of birth, and other identifying details. As a result, I believe fraudulent accounts have been opened in my name without my knowledge or consent. 

The following accounts appear on my credit report and are fraudulent : XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX I did not authorize or apply for any of these accounts. Their presence on my credit report is the direct result of identity theft stemming from the Equifax breach. These accounts are damaging my credit and causing me undue financial and emotional distress. 

I am formally requesting that these accounts be fully investigated and permanently removed from my credit report within XXXX ( XXXX ) days of receipt of this complaint. Equifax must take accountability for the consequences of its data breach and ensure that victims like myself are protected and made whole. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my personal information was compromised in the XXXX Equifax data breach, which exposed critical data including my Social Security number, date of birth, and other identifying details. As a result, I believe fraudulent accounts have been opened in my name without my knowledge or consent. 

The following accounts appear on my credit report and are fraudulent : XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX I did not authorize or apply for any of these accounts. Their presence on my credit report is the direct result of identity theft stemming from the Equifax breach. These accounts are damaging my credit and causing me undue financial and emotional distress. 

I am formally requesting that these accounts be fully investigated and permanently removed from my credit report within XXXX ( XXXX ) days of receipt of this complaint. Equifax must take accountability for the consequences of its data breach and ensure that victims like myself are protected and made whole. 

Thank you for your immediate attention to 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 2025-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I sold my home in XX/XX/year>. My mortgage was with XXXX. They confirmed before the end of XXXX that they received payoff. However, there were several XXXX dollars in overpayment owed to me. 

The title company initially provided XXXX with my mailing address for my new home. Twice now ( recently at the end of XXXX ) I have contacted XXXX to provide the address. The last representative advised that I would now be getting the check I am owed since she confirmed my new address was officially on my account. 

Its been weeks later, still no check. I shouldnt have to continue to contact XXXX to provide the check they owe me for thousands of dollars in overpayment of my loan payoff. My loan has been fully paid for over XXXX  days, I will be retaining a lawyer to assist me in obtaining this money if the CFPB is unable to assist. There has to be regulatory implications that XXXX is violating by withholding my overpayment. 

Please simply help me get XXXX to send me the money I am owed to my updated address they have on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

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 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

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 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my EQUIFAX credit report and noticed a fraudulent account as a result of identity theft from XXXX XXXX  on my credit file. I have disputed this numerous of times with EQUIFAX with no resolution. My XXXX  AND XXXX  credit report does not show this fraudulent account on my credit reports at all. And according to the FCRA that is a violation. I have sent in my FTC report and all required documentation and they still refuse to remove this fraudulent and inaccurate account. And additionally the fraudulent account was charged off and sold to a collection agency which is also identity theft. I have requested validation of this account also with my wet signature on the contract which I have not been provided as well. EQUIFAX told me that my two legitimate FTC reports were invalid so I have sent in three FTC reports upon their request which makes no sense. There are so many violations of my rights with this fraudulent account and should be removed immediately. The account says it was opened in XX/XX/XXXX in which it was fraudulently opened in XX/XX/XXXX it but the age of the account says 5 months. I request that this account is blocked and removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX has reviewed and obtained my consumer report on a variety of times that I was unaware of. It is possible that third party companies such as auto dealerships gave them permission to view my credit report in attempts to receive financing however if I wanted to receive financing from XXXX XXXX or any of its alias institutions I would have contacted them myself.

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 2025-05-11 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: Experian Information Solutions Inc.
State: NV

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 XXXX 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 2025-05-11 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: ID

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Its showing previously late payments on my credit report and that information is incorrect and does not reflect my true credit history

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 2025-05-11 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: ID

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Its showing previously late payments on my credit report and that information is incorrect and does not reflect my true credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I got a XXXX XXXX for my hotspot device for a month or XXXX which was prepaid by me during XXXX XXXX trip which i needed to use. Then i stopped using that device and there was no nothing left to pay. And suddenly today i get a debt collection issue on my XXXX XXXX and i called XXXX they were unable to verify anything because the sim was already closed, they suggested me to visit local store which i will today but i also called the debt collector Credence Resource Management and wanted to know more about it, they made me pay {$1.00} for verifying the issue and made me pay {$190.00} for the debt already. But when i Looked up the reviews on their website all the people were saying its a scam, ill get to tmobile local store today and inquire more about it, i have no idea where the bill came from Im scared that i have been scammed {$200.00}. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had my deposit accounts shut down out of nowhere without any warning after being almost open for XXXX months shut down from a alleged situation when I was told by this company that I was trying to mobily deposit a check and that I deposited and got the money out of it when I have an email clearly stating and proving that I did not do that that it was shut down because of the attempt to do that which I can't recall as well but either way it is completely completely mismanaged my funds put me at a huge huge inconvenience

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 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I am filing this complaint in regards to inaccuracy on my credit report. Its showing a negative account that was discharged through bankruptcy

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 2025-05-11 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: ID

Complaint narrative:
I am filing this complaint in regards to inaccuracy on my credit report. Its showing a negative account that was discharged through bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
On XX/XX/year>, I logged into my Robinhood account and saw a yellow banner that read : Your XXXX accounts are restricted due to a recent review. No details were provided. The Learn More link directed me to a call queue where I waited over XXXX minutes. At XXXX XXXX I received a notification stating I was next in line for a call, but no one contacted me. 

Later that evening ( XX/XX/XXXX ), I received an email from XXXX support requesting confirmation that my card was not lost and to verify my most recent transactions. I replied the next morning ( XX/XX/XXXX at XXXXXXXX XXXX ) confirming : My card was not lost or stolen and was in my possession. 

All transactions were authorized, including XXXX ( {$4.00}, {$6.00} ), XXXX XXXX ( {$2.00} ), XXXX ( {$30.00} ), and several grocery charges. 

The only disputed transaction was a XXXX charge, which was a valid payment but was not honored by XXXX. 

Despite providing all required information, my account remained restricted and I could not access any of my fundsincluding my Spending, Brokerage, and IRA accounts. 

On XX/XX/XXXX at XXXXXXXX XXXX I received a support callback which lasted XXXX minutes and XXXX seconds. During that call : I again confirmed my identity and that my card was not lost. 

I reiterated there were no unauthorized transactions. 

I was told the restriction was " system-generated '' and no further information could be provided. 

The representative acknowledged I could not access funds or buy food and still offered no resolution. 

Since then, I have received multiple redundant emails asking the same verification questions, despite already answering them in full. Ive provided : Transaction lists Proof of identity ( ID and selfies via Robinhoods portal ) Written documentation that no fraud occurred I have now submitted complaints to the CFPB, SEC, FINRA, California DFPI, and FDIC. Ive also notified Robinhood that my next paycheck is scheduled to deposit into my Spending account on Tuesday, XX/XX/XXXX, and that if the account is still locked, I will be pursuing a complaint with the U.S. Department of Labor for wage interference. 

Despite all of this, I still have : No access to my legally earned funds No ability to stop direct deposits from going into the restricted account No written explanation for the restriction No timeline for reinstatement This is causing severe financial harm, including my inability to buy food or pay bills. Robinhoods actions have violated basic consumer protections by denying me access to verified funds with no just cause, while continuing to accept incoming deposits into an account theyve locked down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CO

Complaint narrative:
Account closed and paid off XX/XX/year>, duplicate entry on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CO

Complaint narrative:
Account closed and paid off XX/XX/year>, duplicate entry on credit

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 2025-05-11 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: CO

Complaint narrative:
Account closed and paid off XX/XX/year>, duplicate entry on credit

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 2025-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank, Capital One Financial Corporation, and Capital One has reviewed and obtained my consumer report on a variety of times that I was unaware of. It is possible that third party companies such as auto dealerships gave them permission to view my credit report in attempts to receive financing however if I wanted to receive financing from Capital One or any of its alias institutions I would have contacted them myself.

Company response to consumer: Closed with non-monetary relief