vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
synchrony bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has taken several hard inquires out on all XXXX of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all XXXX of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXXXXXX XXXX XXXX  to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times

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 2025-04-01 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: RI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
Im formally disputing inaccurate information on my credit report the accounts in question its closed but its negative reporting its harming my creditworthiness this reporting is a violation of the fair credit reporting act 15 USC 1681 which mandates all information reported must be accurate, XXXX. XXXX. # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
Im formally disputing inaccurate information on my credit report the accounts in question its closed but its negative reporting its harming my creditworthiness this reporting is a violation of the fair credit reporting act 15 USC 1681 which mandates all information reported must be accurate, XXXX. XXXX. # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CT

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I accepted an offer that appeared within my American Express ( AMX ) account to upgrade to a Blue Cash Preferred card. The offer included an opportunity to earn a {$75.00} bonus after spending {$1000.00} within 6 months. The offer also stated {$0.00} intro annual fee for the first year, then {$95.00}. I took a screenshot of this offer before selecting the button to Request an upgrade ( just below the Annual Fee verbiage on the left side of the screen ). The screen shot is included within the attachment to this file. 

However, on XX/XX/XXXX, I was charged {$15.00}, and then on XX/XX/XXXX I was charged another {$95.00} for annual fee. The first time I called to question the fees ( XX/XX/XXXX ), I was told the fee would be reversed if I could provide proof of the offer, and I was told I would be sent a link so I could upload the screenshot. The link was not sent to me until I called again XXXX weeks later. The link was finally sent to me on XX/XX/XXXX. I uploaded the screenshot on XX/XX/XXXX. When the fee was not reversed by the time the next statement dropped, I contacted AMX again on XX/XX/XXXX. This time I was told American Express closed case and decided to not honor the original offer I accepted. AMX refuses to reverse any annual fees charged to my account ( screenshots of chat are included within attachment to this file ). 

XXXX case # was # XXXX, however, I do not have access to any documentation within this case other than what I uploaded. I have to call to find out about decisions AMX has made. I attached a letter I uploaded to this case file on XX/XX/XXXX. AMX still refuses to honor the offer made to me by reversing the fees charged to my account. 

Attachments : XXXX ) Word file containing letter uploaded to AMX file on XX/XX/XXXX. Within this letter are screenshots of the original offer, as well as the chat with an AMX rep on XX/XX/XXXX XXXX ) XX/XX/XXXX statement showing {$15.00} " annual fee '' charged. 
XXXX ) XX/XX/XXXX statement showing {$95.00} " annual fee '' charged. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Transferred into ROBINHOOD over {$400.00} XXXX from my XXXX hardware wallet. Sold all XXXX and purchased several shares in a couple different companies and about XXXX XXXX  I then noticed my account is restricted due to a recent review. I reached out at XXXX XXXX  to Robinhood support and needed to wait until XXXX XXXX  to receive a call back when their customer support team hours of operation started. I recorded the phone call between myself and Robinhood Customer support shortly after XXXX XXXX  when they called me. The phone call went as follows ; the Robinhood employee, from the very beginning of the phone call, pretended he could not hear me. He also jerked the phone around to make it appear that there was a connection issue. His charade went on for three minutes then he terminated the connection. I attempted to withdraw funds and was denied, and the reason was obviously because my account is restricted. I attempted to sell shares and was successful, but I cant purchase and I can not send XXXX or purchase XXXX. I have been waiting over an hour now for a callback and I received an account support number by email that reads as follows. 

Hi there, Thank you for reaching out! This is XXXX from Robinhood support. I hope this email finds you well. 


Were still reviewing your account. We may request documents in the app during our review, so please continue to monitor your app and reply to any requests. 


Youll also hear from us by phone or email soon after weve completed the review. If we need any additional documents or have status updates well send updates to the email or call the phone number on your account. 


Thank you for your patience! 


Sincerely, XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: HI

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of multiple late payments on my credit report. Despite making these payments on time, it continues to report them as late, which has significantly damaged my credit score. This situation is not only frustrating but also unjust, as I have upheld my financial responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 XXXX 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. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX BANK XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-04-01 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: NV

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 non-monetary relief
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) against Equifax for reporting inaccurate and unverifiable information on my credit report, and for failing to respond to multiple formal disputes. 

I have previously disputed the following accounts, which remain on my credit report without verification or any response from Equifax : XXXX XXXX  Account Ending in XXXX XXXX XXXX  Account Ending in XXXX XXXX  XXXX Account Ending in XXXX These accounts are either unrecognized, unverifiable, or previously deleted and reinserted without proper notification. This is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1681e ( b ) of the FCRA.

Additionally, I have requested removal of : Outdated addr
esses no longer tied to open accounts Hard inquiries that are either outdated or not authorized by me I have received no communication from Equifax. Their failure to reinvestigate and verify disputed items within the required time frame is a violation of : 15 U.S.C. 1681i Failure to investigate 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance I am requesting immediate removal of these accounts and corrections to my personal information. I am attaching my formal dispute package with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-01 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:
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 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 2025-04-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a follow-up complaint against Equifax. I have already submitted my personal identifying information ( Social Security number and drivers license ) in response to a prior request. Despite this, Equifax has mailed me the same request four times after already receiving the documents. They did not check their po box for two weeks and as a result that letter is being mailed back to me. 
I have proof of mailing, including certified mail receipts, dated letters, and a full record of my original submission. This ongoing behavior is a deliberate delay tactic and is impeding the resolution of my dispute. 
I am requesting that Equifax stop sending duplicate document requests, acknowledge receipt of the ID information already sent, and complete the dispute process as required under the Fair Credit Reporting Act ( FCRA ). 
This appears to be an effort to reset the clock or frustrate the consumer into dropping the dispute, and it is unacceptable. I am requesting immediate review and correction of the issues in my report based on the evidence already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: TX

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 2025-04-01 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: PA

Complaint narrative:
I dont know this company. I have never had a relationship with this company. This debt is not mine. The company has failed to provide me with any contract bearing my signature. All they did was send me a detailed bill. I requested the original contract bearing my signature. They have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$320.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$40.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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