vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX. The original debt was approximately {$2000.00}, but it is now being reported as {$3500.00} an amount that exceeds the original credit limit of {$2800.00}. 

There are major inconsistencies in the reporting across the credit bureaus. XXXX  is showing a {$0.00} balance, while TransUnion and XXXX  report the full {$3500.00}. Additionally, I have not received full and proper debt validation from the collection agency, despite my written request sent under the Fair Debt Collection Practices Act ( FDCPA ). 

I believe this account is being reported inaccurately and without sufficient legal documentation, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. This is harming my ability to obtain credit and financial opportunities. 

I respectfully request that this account be thoroughly investigated and that the inaccurate information be removed from my credit reports if validation can not be properly provided.

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 2025-05-09 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:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX. The original debt was approximately {$2000.00}, but it is now being reported as {$3500.00} an amount that exceeds the original credit limit of {$2800.00}. 

There are major inconsistencies in the reporting across the credit bureaus. Experian is showing a {$0.00} balance, while XXXX  and XXXX  report the full {$3500.00}. Additionally, I have not received full and proper debt validation from the collection agency, despite my written request sent under the Fair Debt Collection Practices Act ( FDCPA ). 

I believe this account is being reported inaccurately and without sufficient legal documentation, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. This is harming my ability to obtain credit and financial opportunities. 

I respectfully request that this account be thoroughly investigated and that the inaccurate information be removed from my credit reports if validation can not be properly provided.

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 2025-05-09 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: CA

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX. The original debt was approximately {$2000.00}, but it is now being reported as {$3500.00} an amount that exceeds the original credit limit of {$2800.00}. 

There are major inconsistencies in the reporting across the credit bureaus. XXXX  is showing a {$0.00} balance, while XXXX  and Equifax report the full {$3500.00}. Additionally, I have not received full and proper debt validation from the collection agency, despite my written request sent under the Fair Debt Collection Practices Act ( FDCPA ). 

I believe this account is being reported inaccurately and without sufficient legal documentation, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. This is harming my ability to obtain credit and financial opportunities. 

I respectfully request that this account be thoroughly investigated and that the inaccurate information be removed from my credit reports if validation can not be properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a written Method of Verification ( MOV ) request to TransUnion under my rights granted by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). This request was regarding a previously disputed account with XXXX XXXX, which TransUnion had marked as verified without supplying any evidence of how that verification was conducted. 

USPS records confirm that TransUnion received my request on XX/XX/year>. However, instead of complying with the legal requirement to provide the method of verification, they mailed a vague, generic notice describing their general dispute procedurescompletely ignoring the specific MOV request. 

It is now XX/XX/year>, and TransUnion has failed to provide any legally sufficient documentation or evidence showing how the account was verified. This is a direct violation of FCRA 611 ( a ) ( 7 ), which obligates credit reporting agencies to disclose the name, address, and method used to verify disputed information when requested in writing. 

TransUnion has an extensive documented history of providing automated verified responses to disputes without conducting a reasonable reinvestigation or obtaining sufficient evidence from furnishers. This practice erodes the integrity of the credit reporting system and violates consumers rights under federal law. 

I am demanding regulatory action for TransUnions noncompliance and continued use of automated systems to sidestep legitimate consumer requests.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>. I had deposited {$2000.00} worth of XXXX  into my Robinhood account. As I tried to then transfer out that XXXX  to my bank account after selling. My account was then restricted for no reason. I have been a client with Robinhood for about four years. All of a sudden they are not allowing me to withdraw money that is rightfully mine. I am not allowed to withdraw any money to my own personal bank account. The only cards that Ive ever been on my Robinhood account have been under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

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 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate late fee is being reported on my XXXX account XXXXThe information isnt being investigated properly, and they are not being held accountable for following FCRA LAWS.

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 2025-05-09 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: CA

Complaint narrative:
The personal information listed on my XXXX  report, including the address at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, appears to be outdated or inaccurate. These addresses do not reflect my current living situation, and some may have been erroneously included due to a data breach or inaccurate data input. This misrepresentation of my personal information not only poses a risk to my credit score but also calls into question the accuracy of the rest of the data reported on my credit file. As a consumer, I expect my personal information to be accurately represented, and I do not want outdated or incorrect information affecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-09 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account and inquiries on my credit report. Please dispute and remove listed fraudulent account and credit inquiries from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A family member without my permission called capital one and decided that he would become an account manager on my account it changed the role that he had on my account and gave him a complete control over my credit card account in doing so he was able to add additional user to my account and was able to change credit card limits add bank accounts and change address and anything else that he wanted to without my knowledge. User name password lock me out of the account so I wasnt able to access the account it was a mess I had to literally prove I was me and capital one still gave me a hard time getting into my account with my own social security number and still I am not able to access my account anymore I ridiculousill just go elsewhere after 30 years with capital one thanks for nothing!!! Ill spend my money with another company you dont care about your customers and let anyone family member get their information! Im not going to take anymore chances thanks for the lesson.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
It stated at the bottom of the report that ... Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than XXXX XXXX XXXX. However on the report was a misdemeanor from 11 years ago. Also listed on the report, were the original felony charges I was not convinced of and shouldn't have been on the report. I took a plea deal for a misdemeanor ( attempted larceny of a building ) and I was told upon completion of probation, the only thing that would be on my record is the misdemeanor. Also I completed probation and was released on XXXX but the report stated I violated probation on that date with no further information or mention of my completion of probation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX illegally took {$180.00} from my Santander bank account. I have no legal agreement/contract with XXXX XXXX XXXX, XXXX nor do I owe the company any money. Im not even aware of this company! What they did is illegal and fraudulent they do not have my permission to take any money from my bank accounts!

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Violation of the fair act. When XXXX notification was sent about the selling of my debt from original debt to lvnv. Violation of the law they had XXXX days to do so from the date of selling debt and they refused to send it to me. They are to remove it from court filings immediately and my wife 's as well because she received no notification as well. XXXX XXXX and XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted my identity verification to Cash App. Despite being told it would take 48 hours, my account remained restricted for over a week. I contacted support multiple times and was met with generic, robotic responses that gave conflicting excusesnone resolving the issue. It became clear there was no live representative handling my case. After escalating the matter to the CFPB ( complaint XXXX XXXXXXXX ) and other regulators, Cash App retaliated by abruptly closing my account. This was not resolutionit was retaliation and an attempt at damage control using automated systems instead of addressing real consumer concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 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 2025-05-09 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: FL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Account Closure and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, XXXXXXXX XXXX, Early Warning Services XXXXXXXX XXXX XXXXXXXX I am writing to formally express my deep dissatisfaction with the way XXXX XXXX branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX handled the abrupt closure of my bank accounts, including my personal account, a joint business account shared with my wife, and even my XXXX son 's account. 

Summary of Events On XX/XX/year>, I was contacted by a prospective client for my cleaning services business. After providing an estimate and completing the necessary process, I received a check from the client to begin purchasing materials. I deposited the check via the XXXX XXXX  mobile app in the usual manner. 

In the days that followed, I noticed discrepancies and irregularities related to this client and the transaction. XXXX, I proactively contacted XXXX XXXX customer service on XX/XX/year>, via your recorded line at ( XXXX XXXX XXXXXXXX. That same day, I filed a police report with XXXX Police Department ( Report # XXXX ) and submitted a complaint with the Federal Trade Commission XXXX FTC Report XXXX XXXX ), as I suspected fraudulent activity. 

XXXXXXXX XXXX XXXX Actions Rather than assisting me or taking my documentation into account, the customer service representative informed mewithout offering a clear explanationthat XXXXXXXX XXXX was terminating its relationship with me and would be freezing my funds pending an investigation into alleged attempted fraud. I was treated as though I were guilty of wrongdoing, with no opportunity to present my side or provide supporting documentation. 

To further compound the matter : I was not given prior notice of the account closures. 

XXXXXXXX XXXX  held my funds for over XXXX weeks, causing severe disruptions to my business operations. 

My XXXX son 's account was closed without explanation. 

I was reported to Early Warning Services XXXXXXXX XXXX XXXX XXXXXXXX, further damaging my financial standing. 

I made XXXX in-person visits to the XXXX branch with police and FTC reports in hand, hoping to resolve the issue and regain access to my accounts. Unfortunately, I was turned away both times, with no support or acknowledgment from the branch XXXX or staff. 


I look forward to your prompt response and a fair resolution. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation