vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
Upon reviewing my credit report, I discovered multiple inaccurate negative accounts and unauthorized inquiries that should not be there. Despite my efforts to dispute these errors with the credit bureaus, they remain unresolved. I am submitting this complaint to request their immediate removal under the Fair Credit Reporting Act ( FCRA ). 
There are several derogatory accounts that are being inaccurately reported on my credit file, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under FCRA 1681e ( b ), credit bureaus are required to ensure that only accurate and verifiable information is reported. Since the furnishers of these accounts have failed to provide sufficient proof that the information is accurate, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ).

Additionally, there are multiple hard inquiries on my credit report that I did not authorize. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA XXXX ( a ) ( XXXX ), a company must have my explicit consent or a legally permissible reason to pull my credit report. Since I never applied for credit with these entities, these inquiries must be removed immediately in compliance with FCRA 1681b ( f ).

I have already taken action by disputing these inaccuracies with the credit bureaus. Despite sending formal disputes, these errors remain uncorrected. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must investigate disputes within 30 days and remove any unverifiable information. Their failure to do so is a violation of my consumer rights. 
To resolve this issue, I request the immediate deletion of all inaccurate negative accounts and the removal of the unauthorized hard inquiries. I also request written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported in the future. If these actions are not taken, I will consider legal remedies under FCRA XXXX, which allows for statutory damages in cases of willful noncompliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
Upon reviewing my credit report, I discovered multiple inaccurate negative accounts and unauthorized inquiries that should not be there. Despite my efforts to dispute these errors with the credit bureaus, they remain unresolved. I am submitting this complaint to request their immediate removal under the Fair Credit Reporting Act ( FCRA ). 
There are several derogatory accounts that are being inaccurately reported on my credit file, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under FCRA 1681e ( b ), credit bureaus are required to ensure that only accurate and verifiable information is reported. Since the furnishers of these accounts have failed to provide sufficient proof that the information is accurate, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ).

Additionally, there are multiple hard inquiries on my credit report that I did not authorize. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA XXXX ( a ) ( XXXX ), a company must have my explicit consent or a legally permissible reason to pull my credit report. Since I never applied for credit with these entities, these inquiries must be removed immediately in compliance with FCRA 1681b ( f ).

I have already taken action by disputing these inaccuracies with the credit bureaus. Despite sending formal disputes, these errors remain uncorrected. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must investigate disputes within 30 days and remove any unverifiable information. Their failure to do so is a violation of my consumer rights. 
To resolve this issue, I request the immediate deletion of all inaccurate negative accounts and the removal of the unauthorized hard inquiries. I also request written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported in the future. If these actions are not taken, I will consider legal remedies under FCRA XXXX, which allows for statutory damages in cases of willful noncompliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CL Holdings LLC
State: GA

Complaint narrative:
I wasnt using the vehicle at the time. It was sitting in the driveway. I then let the company know they can have someone come get the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint against TransUnion for their continued failure to correct inaccurate reporting on my credit report. Despite submitting multiple disputes regarding these accounts, TransUnion has failed to update or remove them, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX Still Reporting XXXX XXXX XXXXXXXX Charged XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX REPORTING XXXX XXXX XXXX XXXX XXXX XXXX were charged-off and sold to third-party debt collectors , meaning the original creditor should be reporting a {$0.00} balance. However, TransUnion has failed to properly investigate my disputes and continues to report an incorrect balance.

FCRA Violations : Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) - TransUnion did not properly verify the disputed information.

Failure to Update or Delete Inaccurate Information ( 1681s-2 ( b ) ) - The accounts are still showing incorrect balances despite being sold to a third party.

Failure to Provide a Droper Dispute Resolution ( 1681 * ( 5 ) ) - TransUnion continues to verifv inaccurate data without evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I have pleaded for my information to be corrected per 151 US CODE 1679C i only have one address and that is XXXX XXXX XXXX XXXX only XXXX il XXXX only my phone number XXXX only XXXX XXXX XXXX Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

THEY REFUSE TO CORRECT MY STATUS, THIS IS CAUSING ME SO MUCH HARD ACHE, TRIALS AND TRIBULATIONS, I CAN NOT EVEN LEAVE GENERATIONAL WEALTH FOR MY CHILDREN BECAUSE OF OF THESE PEOPLE RUINING MY LIFE!!!! I HAVENT HAD THE STRENGTH TO FIGHT THEM!! THEY ARE LIKE PARASIDTES THAT NEVER XXXX, DISREGARDING LAWS AND GETTING AWAY WITH IT FOR LIFETIMES FOR PEOPLE WHO CAN NOT AFFORD TO GET LEGAL HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I have pleaded for my information to be corrected per 151 US CODE 1679C i only have one address and that is XXXX XXXX XXXX XXXX only XXXX il XXXX only my phone number XXXX only XXXX XXXX XXXX Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

THEY REFUSE TO CORRECT MY STATUS, THIS IS CAUSING ME SO MUCH HARD ACHE, TRIALS AND TRIBULATIONS, I CAN NOT EVEN LEAVE GENERATIONAL WEALTH FOR MY CHILDREN BECAUSE OF OF THESE PEOPLE RUINING MY LIFE!!!! I HAVENT HAD THE STRENGTH TO FIGHT THEM!! THEY ARE LIKE PARASIDTES THAT NEVER XXXX, DISREGARDING LAWS AND GETTING AWAY WITH IT FOR LIFETIMES FOR PEOPLE WHO CAN NOT AFFORD TO GET LEGAL HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process.

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an ACH debit payment taken out of my Chase Checking account around XX/XX/2024. This payment was made to a company called XXXX XXXX via XXXX. XXXX has not cooperated with me on my refund ( i never recieved the item ) and Chase Bank has failed to help me. This company is a scam company and they insist they delivered the item to me. I never got it, it was never delivered to me. I have confirmation of this via XXXX  claims department, i have a police report filed and all information necessary for paypal to refund me however they have not and are delaying the refund. they have told me to ask the bank to help and the bank said since it is a ACH debit payment they can not file a claim for me. This is ridiculous and i am being mistreated by the financial institution. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hi. I have a CD with Synchrony Bank that matured on XX/XX/year>. I called on XX/XX/year> to withdraw the funds and was told I would incur an early termination fee. It's not clear to me why there would be a fee to get my money from my bank after my CD matured. Please help! 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
XXXX XXXX {$1300.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 SECTION 2 : IT also STATE 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 2025-02-24 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: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
XXXX XXXX {$1300.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Subject : Complaint Against Robinhood for Account Restriction and Fund Access To Whom It May Concern, I am writing to formally complain about my experience with Robinhood.com. On XX/XX/year>, my account was unexpectedly restricted and subsequently closed without any explanation. Since that date, I have been unable to access my funds, which total {$2900.00}. 

Despite my attempts to reach customer support, I have been blocked from contacting them, and my emails have gone unanswered. This situation has caused me significant distress, as I urgently need access to my funds for immediate expenses. 

I kindly request your assistance in resolving this matter and ensuring that Robinhood releases my funds to me as soon as possible. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 to formally dispute the accuracy of the account listed on my credit report, as it is currently involved in pending litigation. The account in question is under legal review, and any reporting related to it is premature and inaccurate. It is clear that this account should not appear on my credit report until the matter is fully resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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 XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXX credit report : XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XX/XX/XXXX, XXXX, Inquiry date : XX/XX/XXXX, XXXX, Inquiry date : XXXX XXXX, Chapter 7 bankruptcy : bankruptcy, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, IN, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Late/Closed Inquiry in Dispute : 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