vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email on my XXXX account from two home service providers ; XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX I received several emails being apart of a class action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information that was exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX, XXXX of XXXX XXXX XXXX. These hacks caused unauthorized debt to be posted to my personal line of credit in associated with the last four digits of my SSN being used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my own personal life and I am asking the leading credit bureau Experian to delete reported items due to a violation of privacy laws by the Federal Trade Commission.

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/year>, I received a pop-up text message from XXXX XXXX that my accounts were overdrawn. I contacted XXXXXXXX XXXX  at their XXXX number and spoke to a XXXXXXXX XXXX XXXXepresentative that stated there was a legal hold placed on my account and my funds were locked. 

The XXXXXXXX XXXX  Representative transferred my call to another employee at XXXX XXXX Legal Holds and Levies Department. I then spoke to the Representative in XXXX XXXX Holds and Levies department that informed me that he have information to place a legal hold on all my accounts, ( these also include 2 of my grand children accounts ). He also stated that XXXX XXXX  does not have any legal documents and to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX for the documents. 

I then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX sent me these documents via email : Default Judgement, Order Appointing Receiver, and a Letter from XXXX XXXX XXXX. Prior to this I did not receive Default Judgement, Order to Appear in court or any type of legal document. 

I was never served for a default judgment for a XXXX XXXX XXXX XXXX. 

This legal hold was placed illegally without service and notice to me. To date the funds in my XXXX XXXX  account are still locked and I do not have access to my funds.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have used Robinhood for years and lately have been trading crypto. On XX/XX/XXXX they restricted my account with around {$1400.00} ( current is {$1300.00} ) in it. I have not been able to trade or withdraw my money since. I have submitted all forms and had spoken to them through phone and email. It was said that it would be decided by XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now tomorrow. I have emailed and requested a phone call as to why my money is still being held when all documentation was sent to them that they requested and no one has any answers for me. I have been using them for years and have never had this happen. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This was a stolen Vehicle of mine. Upon the theft the vehicle was finally recovered but I was never notified of it being recovered. When attempting to get the Vehicle from the police station they had continued to tell me to allow my insurance to pull it out of the impound lot. My insurance gave me the run-around and continued to let me know that I had to be the one to pull the vehicle out. Since it was sitting within the impound lot, It had accrued near {$3000.00} to pull out in which I did not have the funds to do so. It was than repossessed from the police lot by XXXX. I believe this is not my fault or doing to be taken care of in this situation and would like to see some action on my credit report. Here is the provided info for the Police report and inbound lot : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX XXXX Claim # 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 2025-03-20 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-20 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-20 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: TX

Complaint narrative:
I am submitting this complaint regarding Equifax and its handling of my credit information, in light of the current investigation and lawsuit against them. I believe Equifax has engaged in unfair and deceptive practices, that have clearly violated the Fair Credit Reporting act, and have also negatively impacted my financial standing. I have attached a copy of the last round of disputes I submitted around XX/XX/XXXX. I clearly stated that I didn't agree with the results from the first disputes. I did not feel like there were any real investigations at all, as mentioned in their ongoing investigation with the cfpb.I requested proof of their investigation, who did they communicate with to verify this information, and a copy of what was used to verify this information Per the FCRA, I am entitled to these requests in a timely fashion. Not only did they not provide me any of the information, they completely ignored my requests all together. since Equifax did not comply with the FCRA guidelines, I am requesting all the accounts below be immediately permanently deleted from my credit files. 

1XXXX consumer Account numberXXXX 2XXXXXXXX XXXX  -account number XXXX 3.XXXXXXXX XXXX XXXXaccount number XXXX 4XXXX XXXX XXXX-account number XXXX 5.XXXX XXXXaccount numberXXXX 6XXXX XXXX XXXXXXXX -account number XXXX 7.XXXX XXXX XXXX-account number XXXX 8.XXXX XXXX XXXX-account numberXXXX 9.XXXX XXXXacccount number XXXX 10.XXXXXXXX XXXX-account number XXXX 11.XXXX XXXX-account number-XXXX 12XXXX XXXX -account number XXXX 13. XXXX XXXX-account number XXXX 14.XXXX XXXX  -account number XXXX 15XXXXXXXX XXXXaccount number XXXX 16..XXXX XXXX  -account number XXXX 17.Public Record from Bankruptcy : dicharged XXXX XXXX XX/XX/XXXX 18.Public Record from Bankruptcy : dicharged XXXX XXXX XX/XX/XXXX XXXX XXXX -account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
It appears a three party debt collection agency ( P & B Capital Group LLC ) has purchase a debt, however the debt collection agency has are reporting as the original creditors to the three credit beaus with the incorrect amount owed. The original creditor is XXXX XXXX. 

P & B Capital Group only mean of contact is by email, I have not received an official letter of the purchase of this debt.

I have asked for additional information on the balance before it was purchased before making payments. I was told I need to pay or I would be sued. I began making payments and notice the listed themselves as the original creditors. The balance report doesn't match the balance I had prior to them purchasing the debt. I requested the original file with payment history and last payment received prior to collections. I was provided the original contract not signed.I was later advised that P & B Capital group are not the buyers of the debt just the collections department for the buyers XXXX XXXX XXXX. I have no information on this in writing other than in an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I received a pop-up text message from XXXX XXXX  that my accounts were overdrawn. I contacted XXXX XXXX  at their XXXX number and spoke to a XXXX XXXX  Representative that stated there was a legal hold placed on my account and my funds were locked. 

The XXXX XXXX  Representative transferred my call to another employee at XXXX XXXX  XXXX XXXX and XXXX XXXX. I then spoke to the Representative in XXXX XXXX  XXXX XXXX XXXX XXXX  that informed me that he have information to place a legal hold on all my accounts, ( these also include XXXX of my XXXX XXXX accounts ). He also stated that XXXX XXXX  does not have any legal documents and to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX for the documents. 

I then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX sent me these documents via email : Default Judgement, Order Appointing Receiver, and a Letter from XXXX XXXX XXXX. Prior to this I did not receive Default Judgement, Order to Appear in court or any type of legal document. 

I was never served for a default judgment for a Citi XXXX XXXX XXXX. 

This legal hold was placed illegally without service and notice to me. To date the funds in my XXXX XXXX  account are still locked and I do not have access to my funds.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My loans are deferred until XX/XX/XXXX, my credit report is showing 24 missed payments. I have 12 loans in total and each loan is stating that Ive missed 2 payments on each of the loans XX/XX/XXXX and XX/XX/XXXX. This is why its showing 24 late payments. Ive reached out and spoke with them and they said Im in deferment and theres no late payments showing in the system. This is false reporting and they need to delete all 24 missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment - 3 Bureaus XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Below are the details of my situation : Account Summary Overview Total Accounts : XXXX Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Accounts : XXXX Collection Accounts : XXXX Total Balances : {$5700.00} Payments : {$220.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX Issues Identified 1. Inaccurate Account Status : Some accounts are reported as delinquent or derogatory, despite my timely payments. This misrepres

entation negatively impacts my credit score. 2. Incorrect Balances : The balances reported do not accurately reflect my actual outstanding debts. I believe that some accounts may be overstated or incorrectly reported.

3. Unauthorized Collection Accounts : There is a collection account listed that I do not recognize. I have not received any communication regarding this account, nor do l believe it is valid.

4. Public Records : There are public records on my report that may be inaccurate or outdated, which should not be affecting my creditworthiness.

5. Excessive Inquiries : I have noted 19 inquiries over the past two years, some of which I did not authorize.

This could indicate unauthorized access to my credit report.

Legal Violations I believe the following laws may have been violated in relation to my credit report : 1. Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy of the information they report.

Dispute Rights ( 15 U.S.C.

1681i ) : I have the right to dispute inaccuracies on my credit report, and the agencies are required to investigate these disputes.

Notification of Adverse Action ( 15 U.S.C. 1681m ) : If | was denied credit based on my credit report, I should have been informed of the source of the information.

2. Identity Theft Protections ( 15 U.S.C. 1681c-2 ) : If there are accounts fraudulently opened in my name, I have the right to block this information after providing proof of identity theft Consumer Financial Protection Bureau ( CFPB ) Regulations : Creditors and credit reporting agencies must comply with regulations that protect consumers from inaccuracies and unfair practices.

State Consumer Protection Laws : Depending on my state, there may be additional protections that have been violated.

Unfair or Deceptive Acts or Practices ( UDAP ) : If any creditor or reporting agency engaged in deceptive practices regarding my credit information, this could violate both federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Final payment on payment arrangement was successful. Successful completion of payment arrangement and terms were completed, no longer having outstanding balance. Credit bureaus do not reflect the updates to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

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 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 2025-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-20 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: OH

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
please remove accounts i did not open under section XXXX FCRA

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 2025-03-20 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: NJ

Complaint narrative:
I am filing this as notice to the collection agency/creditor and reporting agencies as they are reporting a fraudulent account on my credit file. I have never applied for credit or obtained credit in anyway and have always paid cash for every purchase including auto purchases. Please see uploaded letter to the reporting agencies and XXXX XXXX regarding a fraudulent account for XXXX XXXX reporting to my credit files.

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 2025-03-20 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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