vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I was alerted through my XXXX  app that there were potentially negative major derogatory issues to XXXX credit. The first alert was on XX/XX/XXXX. This involved an account for {$180.00} from a XXXX account that was opened on XX/XX/XXXX according to the credit report. I contacted XXXX to let them know that I have never opened a XXXX account and that they should investigate. I did file a fraud claim on their website. They informed me that they did not have any account opened with my social security number. I haven't heard anything else from XXXX. There was no collection agency name listed. Additionally, my credit report showed an address that I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. I deleted this address from my credit report at Experian. I disputed this with TransUnion and Experian ( XXXX did not show the negative item ) and I put fraud alerts and freezes on my credit at all three credit bureaus. 
Then on XX/XX/XXXX I was alerted to another item on my credit report that involved an account that went to collection for {$100.00} apparently from XXXX XXXX XXXX. The restoration specialist from XXXX and I called the collection company to file a dispute and fraud alert. I still haven't received the forms by mail and email they said I needed to fill out. Again, I filed a dispute with two credit bureaus, TransUnion and Experian and kept the freezes and fraud alerts in place. The collection agency named XXXX XXXX XXXX, said that the address was based in XXXX XXXX, TX and the contact phone number they had for the account was XXXX. I have never lived in XXXX  or XXXX  or had that number or know anyone with that number. At this point, the credit bureaus are still working on my dispute claims and I am in the process of filing police reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX. Consumer Date of XXXX. 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. This fraudulent, inaccurate, and false information consists of opened at : Discover Card under the account number ending in XXXX in the amount {$9400.00}, XXXX XXXX XXXX XXXX XXXX credit card account number XXXX in the amount {$5700.00}, XXXX XXXX XXXX account number XXXX in the amount {$3700.00}. I called XXXX two weeks ago and spoke to a representative by the name of XXXX. He told me a I do not have in any dispute letters but there are a few disputes. He stated my student loan balance is reflecting a XXXX balance. I need the student loans to be at a {$0.00} and deleted from my report. After doing so I would like to have a report in writting. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Business, is already well aware that they purposely have very poor overseas customer service in the chat function option. In fact, spent over XXXX minutes with XXXX different representative from overseas in an attempt to rectify an issue on XX/XX/year>. 

Loan ID : XXXX XXXX XXXX submitted the refund on XX/XX/year> for {$25.00}. 

Affirm intentionally lets the refund " sit '' in a processing stage without processing the refund for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
Im incredibly frustrated by the false data on my report. Its hurting my score, my financial health, and my peace of mind. This should have been caught and corrected already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX send me an email to XXXX congratulating me on having a remaining balance of {$10000.00} to pay for my student loans. This was never reflected or changed on my nelnet account and currently I am close to paying off the remaining {$10000.00} they had informed me I had left to pay. I am demanding this be fixed not only on my credit report but my nelnet account. I am holding XXXX XXXX responsible for sending this email and not fixing my loan amount. I would like this reflected on my account as soon as possible. 

Thank you Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: LJ Ross Associates
State: IL

Complaint narrative:
This company has refused to cease communication as instructed Under the Fair Debt Collection Practices Act ( FDCPA ), furnishing information to a consumer reporting agency is considered a form of communication, and continuing to report information regarding a disputed debt constitutes a violation of a cease and desist demand by refusing to cease communication furnishing information to my credit report is a medium considered as a form of communication Under FDCPA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/year> My lease terminated, and I requested a date time to turn the vehicle in. 
XX/XX/year> I never heard back from the dealership until payments began to fall within arears -- by this time I thought payments had ceased as the term was up. 
XX/XX/year> I reached out to XXXX XXXX  to amicably resolve the issue after the original dealership refused to accept my vehicle at the termination of my lease, then the XXXX XXXX XXXX decided to report my payment late because their dealership was XXXX. 
Now I have negative marks on my credit score, bringing it down because their dealership was XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/year> My lease terminated, and I requested a date time to turn the vehicle in. 
XX/XX/year> I never heard back from the dealership until payments began to fall within arears -- by this time I thought payments had ceased as the term was up. 
XX/XX/year> I reached out to XXXXXXXX XXXX to amicably resolve the issue after the original dealership refused to accept my vehicle at the termination of my lease, then the XXXX XXXX XXXX decided to report my payment late because their dealership was sloppy. 
Now I have negative marks on my credit score, bringing it down because their dealership was XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/year> My lease terminated, and I requested a date time to turn the vehicle in. 
XX/XX/year> I never heard back from the dealership until payments began to fall within arears -- by this time I thought payments had ceased as the term was up. 
XX/XX/year> I reached out to XXXX XXXX  to amicably resolve the issue after the original dealership refused to accept my vehicle at the termination of my lease, then the XXXX XXXX XXXX decided to report my payment late because their dealership was sloppy. 
Now I have negative marks on my credit score, bringing it down because their dealership was XXXX  and 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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am writing to formally dispute the accuracy of a CCS collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, CCS would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX DEBT, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX OF XXXX ( Bank ) 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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this complaint regarding an issue with Robinhood Markets , Inc., a FINRA-registered brokerage firm. Robinhood has abruptly closed my account on XX/XX/XXXX after saying they restricted my account on XX/XX/XXXX, which holds approximately {$21000.00} in assets, without providing sufficient notice, justification, or access to the remaining funds. 

Despite multiple attempts to contact Robinhood support for clarification, I have not received a satisfactory explanation for the account closure, nor any guidance on how or when I will be able to access or transfer the funds still in the account. This situation has caused significant financial distress and raises serious concerns about the firms handling of client assets and communication practices. 

I believe this may constitute a violation of industry standards regarding customer asset protection and fair treatment. I am requesting FINRAs assistance in investigating this matter and ensuring that Robinhood complies with all applicable regulations, including providing timely access to customer funds and clear communication around account actions. 

Please let me know what documentation or further information is needed to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This concerns the Penfed Credit Union. I have had an account for many years. I put {$1000.00} in and have never touched it. I now want to close my account and get my {$1000.00} back. None of this is at issue. The only issue is proving to Penfed 's satisfaction that I am who I say I am.

Because Penfed attached an incorrect phone number to my account the usual verification procedure doesn't work. After a lot of back and forth they wanted me to upload to their site my drivers license and a selfie. I did all that and their program said it worked successfully but the person on the phone -- XXXX XXXX -- said it didn't get to her. They wanted a utility bill. They wouldn't accept an email, it had to be through their program, and I couldn't make it work. My other banks handle transactions using a verification code. Penfed won't do that. 

All I want is my {$1000.00} back. Cany you help. 

I also want to add that in my many decades of using banks and credit unions, I have never run into one that is so unhelpful, and provides such poor service.

Company response to consumer: Closed with monetary relief