vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Money, {$500.00} was added to Venmo card on XX/XX/XXXXXXXX  at XXXX # XXXX, transfer of funds were attempted to bank card attached to Venmo card, transfer was not done ; this was reported and after several tickets beginning XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX to PayPal for their intervention. As of today ; XX/XX/XXXX, after attempting to talk with a XXXX who gave the same information I have been given repeatedly I decided to come to this office to seek help. I have also made phone calls to the Venmo Customer Service line which only gives you a number to select and recorded messages, never contact to explain the issue. I simply want the money attached to my Venmo card sent to me {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
My Robinhood account has been compromised. I received an email notification that a password reset was requested and completedhowever, I did not initiate this reset.

Immediately after, I was unable to log in to my Robinhood account. Shortly thereafter, I was also logged out of my associated email account ( XXXX ) and have been unable to regain access to it. This has left me completely locked out of both platforms. 

I attempted to contact Robinhood support through my husbands account, but was informed that only the account holder can request action. And then I reached out directly from an alternate email address because my primary one is inaccessible. 

Following the breach, I contacted Robinhood support and was instructed to verify my identity through a secure link. However, the links provided were repeatedly broken or non-functional, preventing me from completing the verification process. 

Despite multiple attempts to communicate with Robinhood support, I have not received a meaningful resolution. My account remains locked, and I am unable to access my funds or personal information. I was not able to submitted valid identification documents and followed all instructions, yet the issue persists.

This situation has caused significant financial stress and concern for the security of my personal data. The lack of responsive customer serviceparticularly the inability to reach a live representative or receive a callbackhas only compounded the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am writing in response to letter regarding the alleged debt you claim I owe. This letter is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

Please provide me with the following information : Verification that you are legally entitled to collect this debt, including your license information if required in my state.

The name of the original creditor, the account number, and a detailed breakdown of the amount allegedly owed ( principal, interest, fees, etc. ). 
Documentation that shows I am legally obligated to pay this debt ( such as a signed contract or agreement ). 
Proof that the statute of limitations has not expired on this debt. 
Your companys mailing address, phone number, and the name of the person responsible for handling this account. 
Until you provide the requested validation, you must cease all collection activities, including reporting to credit bureaus. Please also be advised that any attempt to collect without proper validation is a violation of the FDCPA. 
I request all future communication regarding this matter be made in writing only. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have encountered difficulties accessing my equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately. I have a 60 day late payment on an account that was in fact paid on time and inaccurate. The consumer reporting agencies need to report all information with complete accuracy. I attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately. I have a 60 day late payment on an account that was in fact paid on time and inaccurate. The consumer reporting agencies need to report all information with complete accuracy. I attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and action.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM XXXX  XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM XXXX  XXXXXXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-11 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: CA

Complaint narrative:
This is a formal legal complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My client, XXXX XXXX XXXX XXXX, is a documented victim of identity theft. Despite receiving her FTC Identity Theft Report ( # XXXX ), government-issued ID, and proof of address, the bureaus continue to willfully report fraudulent accounts and inquiries in violation of federal law. 

The following fraudulent accounts remain on file : XXXX XXXX XXXX {$160.00} ( Collection ) XXXX XXXX  {$990.00} ( Collection ) XXXX {$0.00} ( Unauthorized XXXX XXXX XXXX XXXX {$1500.00} ( Collection ) XXXX  {$0.00} ( XXXX ) XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$0.00} ( Unauthorized ) XXXX {$6500.00} ( Unauthorized ) Additionally, there are multiple unauthorized hard inquiries and false personal identifiers ( addresses, employment ) attached to her file.

Legal Basis : FCRA 605B ( 15 U.S.C. 1681c-2 ) : mandates blocking and deletion of identity theft data within 4 business days.

FCRA 611 ( 15 U.S.C. 1681i ) : prohibits reinvestigation delays once identity theft documentation is provided.

FCRA 616617 ( 15 U.S.C. 1681no ) : establish civil liability for willful and negligent noncompliance, including statutory damages, punitive damages, attorneys fees, and costs. 

The bureaus are already in violation of these provisions by continuing to report fraudulent information after proper notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
This is a formal legal complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My client, XXXX XXXX XXXX XXXX, is a documented victim of identity theft. Despite receiving her FTC Identity Theft Report ( # XXXX ), government-issued ID, and proof of address, the bureaus continue to willfully report fraudulent accounts and inquiries in violation of federal law. 

The following fraudulent accounts remain on file : XXXX XXXX XXXX {$160.00} ( Collection ) XXXX XXXX  {$990.00} ( Collection ) XXXX {$0.00} ( Unauthorized XXXX XXXX XXXX XXXX {$1500.00} ( Collection ) XXXX  {$0.00} ( XXXX ) XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$0.00} ( Unauthorized ) XXXX {$6500.00} ( Unauthorized ) Additionally, there are multiple unauthorized hard inquiries and false personal identifiers ( addresses, employment ) attached to her file.

Legal Basis : FCRA 605B ( 15 U.S.C. 1681c-2 ) : mandates blocking and deletion of identity theft data within 4 business days.

FCRA 611 ( 15 U.S.C. 1681i ) : prohibits reinvestigation delays once identity theft documentation is provided.

FCRA 616617 ( 15 U.S.C. 1681no ) : establish civil liability for willful and negligent noncompliance, including statutory damages, punitive damages, attorneys fees, and costs. 

The bureaus are already in violation of these provisions by continuing to report fraudulent information after proper notice.

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 2025-09-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 {$810.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am unaware of this alleged debt and I did not have the opportunity to dispute this account. If you believe you sent me proper notification, please provide me " Certified Mail '' with receipt displaying my name. If not please, delete this account as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
Let me be absolutely clear : this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy and is causing serious, ongoing harm to my credit, finances, and wellbeing.

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 2025-09-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, Experian launched yet another unauthorized dispute on my behalf, despite my repeated written and regulatory instructions that I was only requesting the Method of Verification ( MOV ) for my XX/XX/year> authorized dispute. Not only did I advise that I was specifically requesting an MOV for my authorized XXXX dispute, I also advised numerous times and provided evidence via CFPB that XXXX advised they did not own the account as of XX/XX/year>, with written confirmation provided on XX/XX/year>. Yet, Experian launched another dispute. To be clear, I never authorized this new dispute, nor have I ever alleged fraud. Per XXXX  letter received via mail on XX/XX/year>, fraud disputes are being launched without my consent. 

Key Facts : 1. Authorized Dispute : On XX/XX/year>, I filed an authorized dispute regarding a XXXX XXXX  account. 
XXXX. MOV Request : On XX/XX/year>, I mailed Experian a certified letter requesting only the Method of Verification under FCRA 611 ( a ) ( 7 ). 
3. Regulatory Complaints : Between XX/XX/year>XXXX  and XX/XX/year>, I filed more than 10 CFPB complaints and multiple FTC complaints, clearly stating that I was requesting an MOV and not further disputes. 
Relevant CFPB complaint numbers : 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. Unauthorized Disputes : Despite these clear instructions, Experian launched unauthorized disputes on XX/XX/year> and XX/XX/year>. Not only were these disputes unauthorized, they were classified as fraud, which I never indicated. I reported both to CFPB. I clearly advised I was requesting an MOV for my authorized XXXX dispute. 
XXXX. XX/XX/year>XXXX  Dispute : Experian then launched another unauthorized dispute on XX/XX/year>, again without my consent. I am not sure how many times I have to request that Experian cease launching disputes on my file. Please stop launching disputes. 
XXXX. No MOV to Date : As of XX/XX/year>, Experian has never provided the required MOV for my original XX/XX/XXXX dispute. 

Violations FCRA 611 ( a ) ( 7 ) : Failure to provide Method of Verification within 15 days.
FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation, instead repeatedly launching unauthorized disputes.

FCRA 604 : Impermissible use of my consumer file by initiating disputes I did not authorize.

FCRA 616 & 617 : Willful and negligent violations causing harm.

FTC Act 5 ( UDAP ) : Mischaracterizing my request as fraud and altering my file without 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 explanation