vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
Between the dates of XX/XX/XXXX and XXXX, I sent roughly {$1800.00} worth of crypto from my account. All of this money in my account had been acquired through biweekly purchases with my debit card that was then put into XXXX. All of my fund were legitimate. After sending the crypto, my account was restricted. And Robinhood asked me to provide my ID and a picture of myself to verify my identity. I complied and was told I would have my restrictions looked at within a few days. It got delayed for weeks before I was told I would be called. On another note, Robinhood said they would call me on business days at regular business hours. But not at any set time. And they would call me on XXXX and even on XXXX XXXX. And whenever I put myself in line for a call, I would wait for hours or even days and never receive a call. I finally got a call through and they asked me questions about my crypto transactions. I told them that I made these transactions myself and they were legitimate. I told them the information they asked me for. I was then told that within a few days they would let me know their decision about my account. My money is being held hostage even after I told them that I made all of the transactions and my funds were from a legitimate debit card. I then sent an e-mail on XX/XX/XXXX and received an automated email that didnt answer or talk about anything I asked for my original email. I need this money out of Robinhood, its been over a month where this company has held my money hostage and provided no real reason to not let me have my money back. I have found countless other individuals who have had this same problem with Robinhood. Robinhood is holding peoples fund and closing accounts and stealing money from regular people. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Shortly after account opened within days of card delivery charges appeared i asked and disputed. They set card down and claimed sending new. This went on for 6 months now. Paid account to XXXX  and repeatedly asked where card is. Never showed. To this day. Requested either get card to me or close account. Neither happened then charged monthly/yearly fees which i called about. Refused to remove. Then charge interest and reported late payments for refusal. Still haven't recieved card. Made multiple calls to attempt to resolve or close account. Service results in nothing happening

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 2025-01-07 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: FL

Complaint narrative:
Shortly after account opened within days of card delivery charges appeared i asked and disputed. They set card down and claimed sending new. This went on for 6 months now. Paid account to XXXX  and repeatedly asked where card is. Never showed. To this day. Requested either get card to me or close account. Neither happened then charged monthly/yearly fees which i called about. Refused to remove. Then charge interest and reported late payments for refusal. Still haven't recieved card. Made multiple calls to attempt to resolve or close account. Service results in nothing happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
Shortly after account opened within days of card delivery charges appeared i asked and disputed. They set card down and claimed sending new. This went on for 6 months now. Paid account to XXXX  and repeatedly asked where card is. Never showed. To this day. Requested either get card to me or close account. Neither happened then charged monthly/yearly fees which i called about. Refused to remove. Then charge interest and reported late payments for refusal. Still haven't recieved card. Made multiple calls to attempt to resolve or close account. Service results in nothing happening

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 2025-01-07 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: TX

Complaint narrative:
I am writing to notify you that I sent a certified letter on XX/XX/year>, regarding inaccurate and unverifiable information on my credit report. The letter details multiple accounts with discrepancies, including unverifiable debts, incorrect " date last active, '' and accounts removed by other credit bureaus but still being reported by Equifax. Below is a summary of the disputed accounts : XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, no original creditor listed. 
XXXX ( Account Number : XXXX ) Incorrect date last active. 
XXXX ( Account Number : XXXX ) Past the statute of limitations in Texas. 
XXXX XXXX XXXX XXXX  ( Account XXXX : XXXX ) Unverified account. 
XXXX XXXX ( Account XXXX : XXXX ) Removal promised by collector but still reported. 
XXXX XXXX XXXX  ( Account Number : XXXX ) Unverified account, removed by XXXX XXXX linked to Equifax data breach. 
XXXX XXXX XXXX XXXX Account Number : XXXX ) Incorrect date last active. 
XXXX ( Account Number : XXXX ) Debt collector failed to provide proof. 
XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, no original creditor listed. 
XXXX XXXX XXXX ( Account Number : XXXX ) Incorrect date last active. 
XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, violation of FCRA. 
Despite my certified letter, Equifax has failed to provide the requested method of verification or sufficient documentation to validate these accounts. This is a violation of the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( a ) ( 7 ), 616, and 617. 

I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in further legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit report is still showing XXXX AND XXXX accounts as charge offs. I have paid off these accounts in full dealing with the banks directly and there is no outstanding balance on any of these accounts. Please note the details below : XXXXXXXX XXXX XXXX AMOUNT PAID IN FULL- {$7700.00} XXXX XXXX XXXX AMOUNT PAID IN FULL - {$3500.00} I request to review these and ensure they don't show up as charge off on my credit report going forward. Thank you in advance for your understanding and help 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 non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
It has come to my attention that TransUnion, XXXX, and XXXX have failed to address inaccuracies on my credit report, despite my repeated dispute attempts. The incorrect information continues to be reported, which has negatively impacted my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is being reported on my credit file beyond the legally permitted time frame, which should have been excluded.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of my disputes or provided sufficient evidence to validate the accuracy of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in continued errors even after my disputes. 

I urge the CFPB to investigate this matter and enforce compliance with the FCRA to ensure the inaccuracies are corrected and these violations are addressed.

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 2025-01-07 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: TX

Complaint narrative:
It has come to my attention that XXXX, Experian, and XXXX have failed to address inaccuracies on my credit report, despite my repeated dispute attempts. The incorrect information continues to be reported, which has negatively impacted my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is being reported on my credit file beyond the legally permitted time frame, which should have been excluded.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of my disputes or provided sufficient evidence to validate the accuracy of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in continued errors even after my disputes. 

I urge the CFPB to investigate this matter and enforce compliance with the FCRA to ensure the inaccuracies are corrected and these violations are addressed.

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 2025-01-07 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: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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 purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: SC

Complaint narrative:
I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/2024. In that correspondence, I requested TRANSUNION to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by TRANSUNION. I strongly believe that TRANSUNION employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears TRANSUNION intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding TRANSUNION to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from 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 non-monetary relief
Consumer complaint received 2025-01-07 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Und

er USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 
I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$18000.00} XXXX Funding Date Opened XX/XX/XXXX Balance {$510.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$650.00} **Inquires** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-07 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:
XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America clearly used my account for someone else they refuse to give me proof of authorization one of there employees stole over XXXX out of my account and they are trying to cover it up they have clearly violated they ach act, fair credit act, fcb act and several other act state and federal they have clearly violated there own Agreement for deposits accounts occ just came out with there lack of security they refuse to return my money and I want to know why they cfpb is allowing this

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