vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my Experian credit report related to the account listed below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Upon reviewing my report, I noticed that this account reflects XXXX late payments reported in XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). This information is inaccurate and violates the CARES Act and my rights under the Fair Credit Reporting Act ( FCRA ). 

CARES Act Violation Under the CARES Act ( Section 4021 ), lenders were required to provide accommodations for consumers impacted by

COVID-19. During this period, if a consumer was current on their payments prior to seeking an accommodation, the account should continue to be reported as current. Since this account was in good standing before these reported late payments, Experian is legally required to remove these inaccurate marks.

FCRA Violation Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in consumer reporting. By continuing to report these late payments despite my efforts to dispute them, Experian is in violation of this requirement.

I demand that this inaccurate information be permanently de
leted from my credit report. Failure to comply with this request may result in further legal action being pursued, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies for willful non-compliance. 

Please investigate this matter promptly and provide written confirmation once the inaccurate information has been 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigatio

n ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report showing i owe the credit card company

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 2025-03-12 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: IN

Complaint narrative:
My credit report showing i owe the credit card company

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARCO Group, Inc.
State: IN

Complaint narrative:
My credit report showing i owe the credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
i attempted to transfer funds from my bank to Robinhood before those funds actually transferred Robinhood credited the amount to my account. I used that amount to buy crypto and profited substantially then my bank denied the transfer I didn't realize I was withdrawing from the wrong account. Once the denial took place Robinhood froze my account and clawed back the initial credit. which the remaining funds set to escheat to the state including my own money actively invested and trading which was separated from these transaction. Robinhood withheld my funds now for over 90 days and refuses to release them. I have contacted them numerous times, but each time, I only receive generic responses with no real answers.

They have not provided me with any reason for holding my money, and now they have closed my account while still keeping my funds. .my funds totaling {$320000.00} which have been unlawfully withheld by Robinhood for over XXXX months. These funds are the result of transfers from my bank account to my Robinhood account and some of it from growth .I send them Emile and request A breakdown of Robinhoods calculations.The legal basis for keeping the profits.An explicit timeline for any escheatment process.

Robinhood is required to provide me with this information pursuant to the Securities Exchange Act of 1934 ( 15 U.S.C. 78a et seq. ) The SEC requires broker-dealerslike Robinhood to have clear, fair, and transparent proceduresfor restricting accounts and handling customer funds. Under Rule 15c3-3 ( Customer Protection Rule ), brokers must promptly return customer funds or provide an explanation if funds are being held.

FINRA Rule 2150 Improper Use of Customer Funds, requires that brokerages must not improperly withhold customer funds and must notify customers of any restrictions. Firms must provide timely responses to customer inquiries regarding account holds. but they refuse to provide me any detail, I'm in shock now and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Credence Resource Management incorrectly and fraudulently stated I owed a debt that was not only paid but that dated back to XXXX. I havent had XXXX XXXX XXXX  since before my XXXX XXXX  in XXXX. They did not report a last payment date or any debt info whatsoever and proceeded to claim my debt was 3 years and 6 months old which is absolutely not. They last reported on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX bank ) XX/XX/XXXX XXXX XXXXXXXX ( bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX bank ) XX/XX/XXXXXXXX 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 2025-03-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, Ga, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Urgent Dispute of Unauthorized Inquiries and Incorrect Addresses on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute several items on my credit report that are causing significant harm to my creditworthiness. These inquiries have negatively affected my credit score and contributed to repeated denials of credit applications. Please investigate these inquiries and remove any that can not be verified as authorized. 
Disputed Inquiries : XXXX XXXX XXXX  - Original creditor XXXX XXXX ( XXXX XXXX, 2024 ) Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  GA XXXX Please investigate the origins of these addresses and remove any that are not associated with my actual residence. I have never resided at these locations. These inaccuracies may be due to reporting errors or identity mix-ups and must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or unauthorized. I respectfully request that you complete a thorough investigation of these issues and provide me with a written response detailing your findings and any corrections made immediately. 
Enclosed are copies of my credit report with the disputed items clearly highlighted, along with identification and any other supporting documentation. If you require further information, please do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, Ga, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Urgent Dispute of Unauthorized Inquiries and Incorrect Addresses on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute several items on my credit report that are causing significant harm to my creditworthiness. These inquiries have negatively affected my credit score and contributed to repeated denials of credit applications. Please investigate these inquiries and remove any that can not be verified as authorized. 
Disputed Inquiries : XXXX XXXX XXXX  - Original creditor XXXX XXXX ( XXXX XXXX, 2024 ) Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  GA XXXX Please investigate the origins of these addresses and remove any that are not associated with my actual residence. I have never resided at these locations. These inaccuracies may be due to reporting errors or identity mix-ups and must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or unauthorized. I respectfully request that you complete a thorough investigation of these issues and provide me with a written response detailing your findings and any corrections made immediately. 
Enclosed are copies of my credit report with the disputed items clearly highlighted, along with identification and any other supporting documentation. If you require further information, please do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX Was 30 days late XXXX time ( s ). Was 30 days late XXXX time ( s ). 
Remove all negative remarks. 


XXXX XXXX XXXX XXXX Account # : XXXX Balance reporting : {$470.00} Update by removing negative remarks, remove late payments from report, account was to be in hardship, dispute not resolved in 30 days. 

XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$0.00} As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX  Balance : {$0.00} Account # : XXXX As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX Account # : XXXX Balance : {$0.00} As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Account was not validated, from my dispute, please remove.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company : Portfolio Recovery Associates located XXXX XXXX XXXX XXXX, Va XXXX phone XXXX has attached a debt to me of which I have denied paying them, simply because I have never done business with this company. This company is fraudulently and illegally attempting to collect money from me. I have never signed any contracts with this company. I do not owe this company any money or services. On my credit report they are listed as me owing them money for the amount listed. This is not only fraudulent to report, its not facts. I have notified them I will not pay this illegally charged debt and I request for them to immediately cease and desist all attempts to collect and stop reporting this debt onto all three credit bureaus, XXXX, XXXX, and XXXX. The Alleged amount owed is {$8300.00}. Every year they keep refreshing this debt onto my credit profiles, in XXXX I informed them I will not pay this fraudulent debt. There is no such debt or contract between portfolio recovery associates and myself, I asked them to stop harassing me via phone. This company has mailed me letters, called my phone, and reported this debt as a negative onto my credit reports. This has greatly impacted my health, due to stress and the ability to handle certain business and daily life endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continues to report a bankruptcy that has been discharged and closed, as confirmed by official court documents ( XXXX XXXX. XXXX ). This violates the FCRA, 15 U.S.C. 1681e ( b ), for reporting inaccurate information.

Additionally, Experian has failed to conduct a reasonable investigation into my dispute, violating 15 U.S.C. 1681i ( a ). The U.S. Bankruptcy Court has confirmed that it does not verify bankruptcies for credit bureaus, meaning Experians reliance on external sources like XXXX or XXXX is legally insufficient. 

Experian has also violated 11 U.S.C. 524 by allowing accounts included in the bankruptcy to remain on my credit report, which could lead to unlawful collection attempts.

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