vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: 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 U. S. C 1681.

Comcast/Xfinity {$370.00} has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7years.

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 they have substantial doubts about the accuracy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I filed a dispute regarding the following accounts and inquiries, all of which are the result of identity theft. The companies now claim they are verified. 

Disputed items : XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-11 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:
Company use my credit profile in properly, created a hindrance on my credit profile financially for me and my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
Company use my credit profile in properly, created a hindrance on my credit profile financially for me and my family

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
While using my Robinhood account on XX/XX/year>, I attempted to withdraw {$7000.00} from my Robinhood account on my computer to my bank account. The attempt had an error and I tried again with another error. I then attempted to make the same transfer from the Robinhood app on my phone and it was successful. I have {$430.00} remaining in the account. I then received a notification that my account was restricted and I could not manage my money in any way. I contacted Robinhood customer service and asked as to why my account was restricted and was told they can not tell me why and that the system does it automatically for security. I asked how to fix it and was told that I'll get some kind of communication in a few days as to what to do. Today XX/XX/year>, I receive an email requesting my bank statements, account numbers, multiple selfies, and my ID. This is absolutely unacceptable. Robinhood claims this restriction was based on security and suspicious activity, yet allowed my {$7000.00} transfer to go through but is holding my XXXX XXXX requesting sensitive and frivolous information. I do not believe this restriction is due to security as they claim since they allowed my initial transfer to complete. I believe Robinhood is attempting to steal my money through excessive verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grow Credit Inc
State: OK

Complaint narrative:
I opened an account with Grow Credit in order to establish credit to buy a home in the future. From the moment I signed up Ive had continuous unresolved issues. Ive tried to reach out to the number provided and Im customer reps are unreachable. Someone finally emailed after multiple attempts to reach Grow Credit. The account was current and in good standing and they refuse to close it demanding I pay more money. I was told that since I have not paid the account that they continue to charge me for would be written and charged as a bad debt. I told them I have no money at the moment because I am an s hardship and Im not paying anything. The account was current when I requested to be close and I have a email. They have ruined my credit dropping it XXXX points and has caused so me to be denied credit. I need help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
I recently get a copy of copy of my credit report and noticed several inaccuracies plus unauthorized information/accounts reporting to my credit report. These remarks have been very detrimental to my life and credit health as well as my XXXX childrens

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 2025-04-11 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: AL

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries and collections on my profile. Those inquiries and collections consist of the following : Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Collections : XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX Transunion XXXXXXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXX/XX/XXXX Experian, Transunion and Equifax . 

Unknown Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXX Transunion XXXX, GA XXXX XXXX XXXX XXXXTransunion XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 31907-Equifax

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: TX

Complaint narrative:
Paid loan within the time period specified by Cash App before late charges would be assessed. Payment made in XX/XX/XXXX. Payment went into pending status with Cash App for 4 days In which they started charging late fees. This started on XX/XX/XXXX. On Thursday night I got an email declaring that Cash App declined the payment with no explanation as to why. I checked my bank account which shows payment went through and amount was deducted from my account on XXXX XXXX. I contacted Cash App requesting the validity of their decline. Their response was that there was a problem with their system not working correctly. Today got an email stating that another late fee was added to my past due amount. They responded by saying theres nothing they can do and ended conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-11 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX CAN'T LOG INTO XXXX AND MYEQUIFAX.COM Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern : PLEASE FIX!! MY CREDIT FILE IS LOCKED. 
I AM NOT ABLE TO ACCESS CREDIT REPORT WITH CREDIT MONITORING SERVICES. I AM NOT ABLE TO SEE CREDIT FILE WITH XXXX I AM NOT ABLE TO SEE CREDIT FILE WITH XXXX PLEASE UNBLOCK MY CREDIT FILE FOR EQUIFAX I AM NOT ABLE TO ACCESS CREDIT REPORT WITH CREDIT MONITORING SERVICES. I AM NOT ABLE TO SEE CREDIT FILE WITH XXXX I AM NOT ABLE TO SEE CREDIT FILE WITH XXXX PLEASE FIX THIS. PLEASE UNLOCK/ OR UNBLOCK MY CREDIT FILE. 
I HAVE MIX MATCHED CREDIT FILE ON EQUIFAX. MY CREDIT FILE IS NOT AVAILABLE TO ME BECAUSE OF MIX MATCHED CREDIT FILE. PLEASE FIX THIS IMMEDIATELY!!! 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/year> around XXXX I requested my free credit report from TransUnion XXXX I was asked to enter a verification code and their website was supposed to have opened up after I clicked the link to enter in the verification code. It never got sent, and I never accessed my report. I viewed my XXXX and XXXX reports just fine. I had to create a TransUnion account and only then could I pull up my report. Except, it was blank. Which I know is not possible as my other two reports had information about me present.

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 2025-04-11 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MO

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX for what is purported to be a Rental debt. I am formally disputing this collection, as I do not recognize the debt and have never lived at or rented at the location they are reporting. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. 

Furthermore the documentation provided is not proof that the person who rented the apartment was me. A printed set of initials on a make shift application is not proof of debt owed. Provide a copy of the photo ID from the landlord of the person associated with this debt because its not me. 
The uploaded documents are what the collection company provided as proof of debt. This is not sufficient for proof of debt. The individual paid with what appears to be money orders and a printed set of initials on a contract is not proof of debt owed. Provide photo ID of the renter and an actual signature on contract. I Have owned my home since 2017. This rental debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I paid off the full balance of my Bank of America credit card. Shortly after, an automatic payment withdrew an additional {$88.00} from my checking account, leaving a credit balance on my card. 

I later noticed a charge of {$50.00} labeled " Interest Charged on Purchases '' dated XX/XX/year>, despite having paid off the balance in full. I contacted Bank of America customer service immediately. The representative submitted a request to waive the interest charge, and I escalated to a supervisor when it was denied. 

I have been a loyal Bank of America customer for over 20 years and responsibly paid my balance. Despite multiple attempts to resolve the issue, including waiting two business days for an escalation review, Bank of America refused to waive the charge.

I believe I have been treated unfairly, as I was charged residual interest without proper notification and after paying off the account in full.

I am requesting that Bank of America waive the {$50.00} interest charge and fully refund the credit balance.

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 2025-04-11 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: 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 seven 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 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NY

Complaint narrative:
In XX/XX/year>, I purchased a used vehicle from XXXX XXXX in XXXX, NJ. I was told the car price was {$6000.00}. I paid {$2000.00} down and believed I was financing approximately {$4000.00} plus taxes and fees. I was never clearly informed of the full loan amount, APR, or total cost of the loan. I was only asked if I was okay with a {$370.00} monthly payment. 

After receiving my first loan statement from XXXX XXXX, I was surprised to see the loan amount was {$12000.00} at a 27.49 % APR, with a total repayment amount exceeding {$25000.00}. This was far beyond what I understood or agreed to. I also have a text exchange with the dealer confirming that the vehicle was {$6000.00} before taxes. 

A few months later, the vehicle broke down while out of state. It was towed, and I later learned the towing company claimed ownership under Title 42 due to the vehicle being on their lot for more than 30 days. I contacted XXXX XXXX to ask if I was still responsible for the loan. I was told yes, so I continued making monthly payments to protect my credit, even though I no longer have the car. 

I have not stopped paying, but I now question how the loan was originally structured and presented. I respectfully request the CFPB investigate whether proper disclosures were made, and whether the loan terms were misrepresented. I am also asking for a full loan audit and reconsideration of the terms.

Company response to consumer: Closed with explanation