vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
The late payment remark on my credit report is negatively impacting my XXXXICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: INTEGRAL RECOVERIES, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. XXXX. Reference XXXX XXXXXXXX for a balance of {$6400.00} to the Colorado Department of Revenue XXXX Acct XXXX XXXXXXXX for the period of XX/XX/XXXX. Again, never worked or lived in Colorado so no revenue would have been earned in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I decided to transfer some of my crypto currency off Robinhood. They asked for me to upload a picture of my license and I did.

After that they froze my entire account, which includes my emergency savings fund ( held in USD in their high apy account ), retirement account, brokerage assets, and credit card. They had a message saying I would receive an update by XX/XX/XXXX, but when that came the message just changed to the XXXX. 

When I tried calling they gave me no details and said it was with the review team. When I email customer support they give me the same template every time 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. 

They have given me no updates and requested no information. I have over $ XXXX of assets on the platform and simply want to transfer them off and want nothing to do with this company now after how horrible this experience has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-08 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: IN

Complaint narrative:
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MA

Complaint narrative:
I am disputing incorrect information on my credit report regarding accounts marked as late payments. After carefully reviewing my payment records, I can confirm that these accounts were paid on time as agreed. The inaccurate reporting of these late payments is negatively impacting my FICO Score.

According to U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payment remarks, I am entitled to a thorough and fair investigation of disputed items. Since these payments were made promptly, I respectfully request that the status of these accounts be corrected to accurately reflect the on-time payments.

I kindly ask that you investigate this issue and update my credit report as soon as possible to ensure my credit history is accurate. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Im not liable for this debt of XXXX with XXXX. Account number : XXXX, I never got paperwork in mail or anything thats attached to this debt. My address should read as XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I have seen on my credit report that there are multiple accounts that I dont recognize and did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to prove my case Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I have seen on my credit report that there are multiple accounts that I dont recognize and did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to prove my case Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fun transfer act ( EFTA. ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report. The following inquiries were not initiated or authorized by me and have been reported in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate or unauthorized. 

Desired Resolution : I am requesting that the credit bureau conduct a thorough investigation into these inquiries. If the companies responsible for the inquiries can not provide valid proof of my authorization, I expect these hard inquiries to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp has double charged me twice more than 10 times over the past and I can never get anything resolved, and I end up with having to deal with the loss

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal information was leaked in a data breach in XX/XX/XXXX and XXXX, XXXX as also my personal information was in a data breach in XXXX of XXXX and XXXX with XXXX XXXX.. I would like to have negative information removed from my credit in light of these data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I never had a contract with this debt collector for any debt. 
PLEASE REQUEST FORM 1099C FROM THE DEBT COLLECTOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX Subject : Cease and Desist Unauthorized Reporting on Credit Report Dear Sir/Madam, I am writing to formally request that LVNV Funding LLC cease and desist from unauthorized reporting on my credit report. Upon reviewing my credit report, I discovered an account reported by your company that is unfamiliar and believed to be incorrect. My personal information was compromised during the XXXX data breach, and I suspect this unauthorized reporting might be a consequence. 

According to the Fair Credit Reporting Act ( FCRA ), unauthorized or inaccurate reporting is against the law. Specifically, 15 U.S.C. 1681s-2 prohibits furnishers of information from knowingly reporting inaccurate or incomplete information to credit reporting agencies. Your immediate action is required to remedy this situation in compliance with this law. 

I demand that LVNV Funding LLC : 1. Cease all communications with me, including by phone, mail, email, or any other means. 
2. Remove any and all unauthorized trade lines, accounts, and inquiries submitted by your company from my credit report with all major credit reporting agencies. 

Please confirm receipt of this letter and inform me of the actions taken to comply with my demands within 30 days. If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to enforce my rights under the FCRA. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
This company keeps allowing items to be placed in my report thats inaccurate. I have filed disputes, and they keep breaching my data. How is it that they get to breach your data while also providing information that impacts major decisions in your life. I have filed bankruptcy twice, most of the stuff is still in my reports, so why am I being impacted for the bankruptcy. I have requested the information that was provided to them that assured them the information should be there- they always say your dispute has been completed. Ive already had XXXX breach my data, state companies, and now the credit agency. This does not protect me as a tax paying consumer. I know my life is not together but Im assured its because of the systems that are in place, that keeps me from getting my life together.

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 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
Ive already contacted the creditor and updated my information they do not have that information on file can you please remove it in accordance with the Fair Credit Reporting Act, 15 USC Section 1681i. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1681b states this, this account shows charged off for the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with XXXX. These loans were taken out without my knowledge or consent and remain unpaid. As a result, XXXX has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, 2021. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXX 2021. 

3. Unauthorized XXXX  Loans : I was unaware that loans had been opened with XXXX until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, XXXX has continued to report delinquent payments, harming my credit for over three years. 

5. Attempts to Resolve : I have contacted XXXX directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report.

Cessation of any negative reporting related to these fraudulent accounts.

Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge XXXX and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX TN 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 explanation