vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Hello and good day, I have found inaccurate information on my credit report, and it is deeply concerning. These errors are blocking my financial progress and leading to repeated credit application rejections, which has been extremely stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-13 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: TX

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy, as required by law. These errors are having a serious and ongoing negative impact on my lifefinancially, emotionally, and personallyin ways that are difficult to fully express. 
These are extremely challenging times for me, and having these inaccuracies corrected or removed would not only be a significant relief but truly a blessing. I urge you to take this matter seriously and act promptly to ensure my credit report reflects only accurate and verifiable information.

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 2025-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I used their app to transfer from my individual account that has cash to IRA account ; the app did not complete the transfer but the money is held as " pending transfer '' for months now. I contacted them several times, they told me their team is working on this, but now updates after months! basically they need to pay for interest of the held money because my individual account that has cash earns interest, but this money is held and is not in my individual account nor in my IRA account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-13 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
In XXXX all the sudden my check was getting garnished. He wasnt much help. Kept giving me names that recently after visiting the clerks office for help they offered more guidance. This day that is absolutely not mine stems from XXXX looks like its been bought? By maybe numerous people? Oddly someone not affiliated with this lvnv XXXX was able to partake in an exhibit going over details they arent a part of. There was a lot of this from XXXX to XXXX all of which I never got anything. Its not my debt.in XXXX some how a chase bank became a defendant as well? They asked them questions? The debt thats not mine went up higher. Then nothing until XXXX where they started garnishing my wages over a debt thats not only not mine. Not only has been bought by numerous people but also somehow my information became available and that company had numerous people looking at my information. Then had a chase bank answer as a defendant?!??! XXXX was a hard year. I couldnt get help figuring out what was going on with my youngest. XXXX only allowed half days I was robbed the chance of getting out extra covid pay at work I was entitled to. Then the garnishment. With no answers. Nothing has been on my credit report in great that time.. 
I want my money back with interest and compensated for their breach in my data on a debt thats isnt mine. Along with mental anguish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-14 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: OR

Complaint narrative:
I am reaching out to report multiple unauthorized credit inquiries that have appeared on my report. I did not apply for credit with these companies, nor did I give permission for them to access my information. I have already disputed these inquiries, but they still remain, which is completely unacceptable. Their continued presence raises serious concerns about the safety of my personal information and possible identity theft. It has left me anxious, stressed, and deeply frustrated.

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 2025-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, I have been trying to work out a reasonable modification with the company for a while. however, the recent fire XXXX XXXX ( XX/XX/year> ) complicated everything. In addition, we had a water damage ( XX/XX/year> ) too. it has been almost XXXX months, XXXX of the home is not usable. the insurance paid for the damage, as soon as I received the schedules and estimates from the insurance company, I signed the checks and over-nighted them to the company. however, it is like a pooling a tooth, it is impossible to get any money to repair the house. they say, because I am delinquent, they have to monitor the repairs. 
every inspection, takes weeks to schedule, for some reason, it has to be done in person, then it takes the company weeks to review and if they like it, release a few XXXX dollars. But it there is no guarantee. the last inspector verbally told us that he believed that XXXX % of the work was done, however, XXXX weeks later, the company called me and said that they believed that only 10 % was done and I had already received the 10 %, therefore, no funds would be released. she further stated that I needed to do more repairs like 50 % more in order to have any funds released. I told her that, while she had the money, she was telling me to get the work done first, later if she was happy with the work, then she might release something. I told her that I could not do anything without money, I am XXXX years old I can't live the way I have been living for the past XXXX months. this is elder abuse. on top of that, on XXXX/XXXXXXXX, I was served with a notice of trustee sale scheduled for XX/XX/year>. the company has been holding the funds for months, doesn't want to release it, and now, selling the house in auction? Please help. the company doesn't care about anything expect money, national disasters don't mean anything to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
I disputed a debt that Carter-Young , Inc. reported on my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX  ) . Following my disputes, Carter-Young sent me a letter dated XX/XX/year>, claiming they had conducted a " reasonable investigation '' into the disputed debt. However, their response did not include any actual supporting documentationonly a generic statement asserting the debt 's validity. 

They failed to provide account-level documents, itemization of the amount claimed, or any meaningful verification such as a signed lease, agreement, or billing history from the original creditor. Without this, I believe Carter-Young has not met the legal standard required under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ).

Despite my formal disputes, they appear to have continued reporting this account without fully validating it, and I believe this constitutes inaccurate reporting and an inadequate reinvestigation.

I am requesting that Carter-Young : Cease collection activities until the debt is properly validated with documentation Remove the tradeline from all credit bureaus if they can not substantiate the debt with legally required evidence Be reviewed for FCRA and FDCPA violations if their investigation did not include obtaining and reviewing primary documentation from the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my consumer report and noticed unauthorized inquiries relating to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my consumer report and noticed unauthorized inquiries relating to identity theft.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute charges and the status of my credit card account ending in XXXX In XX/XX/2023, my bank account was compromised, and my credit card was maxed out due to unauthorized transactions. I promptly reported the fraudulent activity to Wells Fargo and was informed that the matter would be investigated and resolved. Unfortunately, to date, the issue has not been resolved, and the disputed charges remain on my account. 

Due to the unresolved fraud and lack of follow-up, I stopped making payments while waiting for a resolution. I was recently informed that I am now being taken to court for this debt, which includes charges I never authorized and was assured would be removed. 

Under the Fair Credit Billing Act and relevant consumer protection laws, I am entitled to dispute these charges and request a full accounting of the debt being pursued.

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 2025-06-13 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: CA

Complaint narrative:
I got a email from XXXX 's on XX/XX/XXXX at XXXX about a " fraud alert '' that somebody spent {$1500.00} with my XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA ( at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I called XXXX 's right away and the guy that picked up said someone used my card once already, and WHILE we ( me and XXXX 's representative ) was on call, the person made ANOTHER purchase IN-STORE - so XXXX purchases total. So of {$2400.00} is the current balance on my XXXX XXXX XXXX XXXX XXXX. The guy said he will close my account and it did close. I asked if everything is solved now and he said everything is solved. So I thought everything was solved- XXXX 's even sent a confirmation email that the current balance on my account was XXXX. 

Starting end of XXXX, XXXX 's started emailing me about how my american express card 's statement is ready- they sent me a email on XX/XX/XXXX that my payment is due, and that my statment is ready on XX/XX/XXXX. 

I called XXXX 's on XX/XX/XXXX XXXX am ( XXXX ) - got on call with their fraud department - about the emails I got. The lady told me about the XXXX fraudulent in-store purchases and asked me whether I have the card with me physically ( which I do ), and if there is anyone around me that could have spent my card- I told her no, she asked me if I've ever been to those places that the card was spent - so I told her I didn't. She said this will all get resolved within XXXX billing cycles, she told me to wait. We hung up. 

I had another long call with them on XX/XX/XXXX ( today ) because IT WAS NEVER RESOLVED WITHIN XXXX BILLING CYCLES. The lady that picked up the phone said they already sent " XXXX mails '' regarding the investigations of this fraudulent charges, but because i " didn't respond to the mails '' they just closed my case. Ridiculous, because those mails NEVER CAME. After a long frustrating call, she told me she will re-open the case and send me another mail WITHIN XXXX  DAYS ( so before XX/XX/XXXX ) regarding the results of the investigation. When I asked her what if the mail doesn't come again or the investigation " fails? '' she said she has no authority or ability to know. She told me to goto the local post office to find my lost mails HAHA. 

I do not think they have the capability or will to help me. I've seen so many other victims similar to mine online - and all of them pointed me to file a CFPB complaint because XXXX 's won't do anything. My perfectly good credit scores have been plummeting down due to this fraudulent charge which is extremely upsetting. Please help me.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I have no knowledge of the company Cedar Business Service LLC this account or whatever this is was made fraudulently and I have no idea how it got on my credit. I need this to be removed immediately as it is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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 ( 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 soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} 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 2025-06-14 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: AR

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 non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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

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