vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$50.00} from XXXX XXXX  XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2025 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX  having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: 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. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - 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 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 2025-05-22 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and XXXX Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX * * * Balance : {$190.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-22 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} Date Opened : XX/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 explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
Im in disagreement with the accounts listed below, which appears on my credit report even after investigation, I would like this item immediately we investigated the accuracy are injuring my ability to obtain credit and my credit score these are the accounts below : XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting at public lol XXXX Title VI Section 611 Please provide the names and business address of each individual with whom you verified the items above so I can follow up and please send me an updated copy of my credit report after your reinvestigation

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently tried to open a Capital One checking account online. When I inputted my name, social security number, and date of birth on the Capital One online application website, the system show that I already have a Capital One login and accounts with online access. The problem is that I actually do NOT have any accounts with Capital One. When I called customer service, they said that I have an old credit card profile. I denied having a credit card with Capital One. I then asked them to let me into the profile so that I can open my checking account. In order to apply for any account, Capital One requires potential customers to log into existing online profiles. I never created such profile with Capital One, therefore I dont have access to this profile that is associated with my name, social security number, and date of birth. 

When I called customer service, the Capital One rep refused to give me access to the online account that I supposedly have with them. They asked me to go to the branch, and when I went to the branch, I was told that I do have a profile connected to my social security number, however I do not have any accounts with Capital One. I do not have any accounts with Capital One so why did I receive a message from Capital One online website that stated you have already enrolled all of your accounts for online access once I tried to sign up for a new account?! 

Did someone use my name, social security number, and date of birth to open accounts ( and/or credit cards ) with Capital One, which were then registered for online access? Capital One has not given me acceptable answers to explain why its system is saying that I already have accounts with Capital One. I also don't know why Capital One is sending me CreditWise emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-22 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am writing to formally challenge Robinhoods final determination regarding my identity theft case ( Robinhood Case # XXXX ), in which {$30000.00} was fraudulently transferred out of my account on XX/XX/year>. 

Robinhood has acknowledged in writing that : My account was compromised by unauthorized access ; The {$30000.00} transfer was not initiated or approved by me ; Two-factor authentication ( XXXX  ) was not enabled prior to the fraud and only added after the incident ; The company confirmed that due to batch processing, the fraudulent wire transfer could not be reversed ; Despite acknowledging the unauthorized activity, Robinhood has refused to reimburse the stolen funds. 
I find this response unacceptable and deeply concerning for several reasons : 1. Failure to Prevent Known Security Risks Robinhood does not require users to enable two-factor authentication by default. Yet it uses the absence of XXXX as part of its justification for denying reimbursement despite knowing that this is a widely exploited security gap. Other reputable financial institutions enforce XXXX for all accounts handling sensitive assets. 
XXXX. Acknowledgment of Unauthorized Transfer, Yet No Action Robinhood admitted that my account was compromised and that the transaction was unauthorized. It is not reasonable for a financial institution to acknowledge a breach but refuse to reimburse the victim especially when the institutions own inadequate security and delayed response contributed directly to the loss. 
XXXX. Failure to Stop or Retrieve the Funds Robinhood claimed that the wire could not be stopped due to batch processing. This is not an acceptable excuse for inaction. A responsible broker would coordinate with the receiving bank to freeze or recover stolen funds, especially when notified so promptly.

4. Lack of Real-Time Customer Support During the breach, I was unable to contact Robinhood immediately by phone. The companys lack of live support in crisis situations is a serious systemic weakness. In my case, delays in communication may have contributed to the loss becoming permanent. 

This is not an isolated case. Numerous Robinhood customers have reported nearly identical experiences of account takeovers, insufficient support, and denial of reimbursement. Robinhoods failure to implement proper protections and its refusal to stand behind its users after breaches is unacceptable in a regulated financial environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This is a XXXX party collection agency in whom my contract was not with and had no business on trying to collect XXXX dollars more than what it was on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
I am sending to formally dispute the inaccurate and incomplete reporting of a items appearing on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I request an immediate investigation and remove of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
I am sending to formally dispute the inaccurate and incomplete reporting of a items appearing on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I request an immediate investigation and remove of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00}

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 2025-05-22 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} Date Opened : XX/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 2025-05-22 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Some attempted to get a home loan XXXX I reach out to the and they stated they would investigate and get back to me but never received any follow up. And someone attempted to get an auto loan on my name as well as an apartment and credit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
Some attempted to get a home loan Credco I reach out to the and they stated they would investigate and get back to me but never received any follow up. And someone attempted to get an auto loan on my name as well as an apartment and credit cards

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against JPMorgan Chase Bank , N.A . on behalf of my company, XXXX XXXX XXXX, concerning the sudden and unjust closure of our business checking account. 

On XX/XX/year>, our business deposited a check for {$33000.00}, issued by XXXX of our clients, XXXX XXXX XXXX. This amount covered warehouse rent for XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and an outstanding XXXX charge from XX/XX/year>, as agreed upon in our lease. The payment was legitimate and contractually obligated. 

Following this deposit, we were informed by Chase that the account was closed due to a fraud dispute initiated by the check issuer 's bank XXXX XXXX XXXX XXXX ). We were not given prior notice, an opportunity to present evidence, nor an adequate explanation for the closure. Chase stated that the decision was final and irreversible, despite our repeated requests to provide supporting documentation including : Our warehouse lease agreement Payment history showing a consistent transaction pattern with this client The legitimacy of the business relationship This abrupt closure has severely impacted our companys ability to operate and meet financial obligations. We believe Chases actions lacked transparency, due process, and fairness. Moreover, closing a business account of longstanding standing without due diligence violates the principles of fair banking practices. 

We request the CFPBs assistance in investigating this matter and ensuring that : Chase provides a full explanation of the basis for the account closure. 

Our business has a fair opportunity to present documentation and challenge the decision. 

Chase is held accountable for acting without prior warning or appropriate review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I have been receiving an overly abundance of emails from third-party collection agency. Halsted/XXXX dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are dates I remembered to save to file a CFPB report via XXXX of my personal emails. XXXX has been harassing me vis email daily as well.

Company response to consumer: Closed with explanation