vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following accounts are not mine and were not authorized : XXXX  XXXX -Account Number : XXXX XXXX XXXX -Account Number : XXXX DEPT ED XXXXAccount Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX The following inquires are unauthorized : XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have my Home Mortgage with Chase Bank, Because financial situation I asked them about mortgage assistant and they offer me to apply for their program to help Customers with this type of problems and they mention that it will not affect my credit at all during the process of approval '', I submit the my application more than a month ago and still not receiving the approval from the bank, I had call them every week since I submitted my applications and still not signs of any approval, I was never late on my payments more than 30 days since I buy my house on 2020, When I notice that my credit score drop XXXX points I call them and they said that they can not do anything about that situation, and That is the reason that I submitting this complaint, I'm so disappointed of the service and the process from CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: UT

Complaint narrative:
I'm extremely frustrated that my credit report still reflects inaccurate and incomplete information. Despite my repeated attempts to have this corrected, nothing has been done, and it's unfairly damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: LEXISNEXIS
State: MI

Complaint narrative:
Subject : Response to CFPB Case # XXXX Continued Use of Personal Information Without Consent To Whom It May Concern : I am writing in response to your letter dated XX/XX/year>, regarding my complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) and LexisNexis handling of my personal information. 
Let me be clear : I did not authorize LexisNexis Risk Solutions Inc. or any of its affiliates to collect, process, store, or share my personal information. I dispute the continued use and dissemination of my data, particularly to third parties, including consumer reporting agencies and government entities. My position remains that such practices constitute an unauthorized use of personal identifying information and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable federal and state laws. 
I acknowledge receipt of your Identity Theft packet ; however, this response does not resolve my concerns. While you claim to have opted me out of public-facing products, LexisNexis continues to assert a right to use and distribute my data in a number of other products and services. This blanket justification is insufficient, particularly in the absence of express written consent from me. 
Accordingly, I am formally requesting the following : A full list of all entities or third parties to whom my information has been disclosed within the last two years. 


A complete explanation of the permissible purpose used to justify your collection and sharing of my data. 


The source ( s ) from which LexisNexis obtained my personal data. 


A copy of my full Consumer Disclosure Report.

Immediate removal of all personal identifying information from all products and services under your control, including those used for bulk records, government access, fraud prevention, or other internal products not visible to the general public. 


Please note that I reserve all rights to pursue further action, including formal complaints with the Federal Trade Commission ( FTC ), continued follow-up through the CFPB, and, if necessary, legal action under the FCRA and other relevant statutes. 
I expect a written response within 14 business days. You may respond to me in writing at the address listed above or by email if preferred. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed last week that my accounts were all closed through Capital One. I tried to call them immediately but they were closed. Theyre only open Monday through Friday so I had to wait all the way to Monday I called. I spoke to somebody. She said she was going to work on it and they should be open that day later on She told me that they mistakenly said I was deceased because somebody put in the wrong Social Security number they were off by one digit. I called again and he told me theres a process it could take 7 to 10 business days so here I am without my credit card I called again today. He said theres nothing that he can do to open them immediately theres a process that they have to follow so now its Friday, XX/XX/XXXX. Its been over a week. I still have no use of my credit cards And Im waiting for a phone call so God only knows when thats gon na be. Its their mistake and Im over here waiting for them to correct it and now its all my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Theres a credit inquiry on my report that I dont recognize. I never applied with this company, nor did I authorize them to access my credit. Its causing me a lot of stress and concern as I have no idea why this happened.

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company 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 2025-04-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} XXXX  # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$690.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-12 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
RobinHood LLC On Saturday XX/XX/XXXX, I deposited funds into my RobinHood account with the intention of investing some funds. It being Saturday, my purchase order was set on hold for the markets to open on Monday. However, after reconsidering over the weekend, I decided to cancel my positions on Sunday and just let the cash accrue interest in the account. However, after cancelling my positions and attempting to withdraw the total funds, Robinhood restricted my account for any transactions for " security reasons ''. 

After talking to a customer support agent, they said they needed additional verification from their team which they needed some documents from my part. They requested a copy of my bank statements with my full name on it, address, a copy of my drivers license, and 3 selfies from three different angles, although this seemed quite intrusive, I submitted the information on a timely matter on Tuesday XXXX XXXX. Their response was that they would continue to review my case and get back to me on Saturday XXXX XXXX. 

Today XXXX XXXX, I go to check the status of my review and to my surprise they decided to push their review date to XXXX the XXXX and requested me to resubmit all the documents. Their live chat is useless, their phone calls take hours to receive and the information they provide over the phone is untrustworthy. After the experience, I went online to see if this has happened before and it looks like this company is very known for this type of unethical practices. I wish I knew before about the fishy and irresponsible brokerage service that Robinhood provides. A complete disregard to the fundamentals of investing and the opportunity cost that is derived from arbitrary retention of funds to customers. 

The fact that they think they can withheld funds for any amount of time and get away with it is worrisome, and a clear example that they do not care about their investors. 

Stay away from Robinhood brokerage. Go to a real brokerage, save your troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-12 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: EdFinancial Services
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, EDFINANCIAL SERVICES L. account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy. 

15 U.S.C. 1681 section 604 A. section 2, it also states that a consumer reporting agency can not furnish an account without my written consent. Please remove these accounts from my credit report immediately. I am requesting that my report is updated showing that these accounts have been removed from my credit report. After the report has been updated, I am requesting that a copy of the report be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: SC

Complaint narrative:
The following accounts are not mine and were not authorized : XXXX  XXXX -Account Number : XXXX XXXX XXXX -Account Number : XXXX DEPT ED XXXXAccount Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX The following inquires are unauthorized : 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 2025-04-12 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: SC

Complaint narrative:
The following accounts are not mine and were not authorized : XXXX  XXXX -Account Number : XXXX XXXX XXXX -Account Number : XXXX DEPT ED XXXXAccount Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX The following inquires are unauthorized : XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT ( S ) /RE-INSERT ( 4 ) XXXX XXXX SECURED PLEDGE LOANS EQUIFAX TRADELINES RE-INSERTION LETTER ( 4 ) IN TOTAL SECURED LOANS XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : PLEASE RE-INSERT & UNBLOCK THESE ( 4 ) XXXX XXXX TRADELINES. THEY ALL BELONG TO ME. THESE ITEMS LISTED BELOM, THEY ALL BELONG TO ME. THESE ARE MINE. 
PLEASE RE-INSERT ALL THESE TRADELINES BACK ON MY CREDIT REPORT IMMEDIATELY. 



THESE ACCOUNTS LISTED BELOW ARE MINE. PLEASE RE-INSERT & Unblock THESE ( 4 ) LOANS LOAN 1 : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
Original Balance : {$1400.00} Date Opened : XX/XX/XXXX Closed. 
Paid Off. 






LOAN 2 : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
Original Balance : {$1400.00} Date Opened : XX/XX/XXXX Closed. 
Paid Off. 



LOAN 3 : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
Original Balance : {$390.00} Date Opened : XX/XX/XXXX Closed. 
Paid Off. 


LOAN 4 : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
Original Balance : {$390.00} Date Opened : XX/XX/XXXX Closed. 
Paid Off. 








Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX : Dear XXXX, you probably dont remember me. I helped you with a community initiative a few years ago. Thats why your number was in my contacts. Helping some one else. I Accidentally I sent it to your number on XXXX. The party who was supposed to receive it was someone else. They called me on XXXX to say it was not received. So I began to reach out to you. Attached are attempted transactions and proof you accepted. Also with XXXX, you can see your activity in detail. But I did receive notice from Chase stating you did not respond to their or my request. I am on a fixed income now. So I had to replace the {$150.00} that was given to me. For the funds accidentally sent to you. No transactions of {$150.00} were received back to my account. I thank you again for getting back to me. I hope we can resolve this matter as quickly as possible. Thank you! 
Good day, Ive just come from the back. Had the representative check my account. Funds of {$150.00} were sent to you, back not returned from your account. They have no record of the return. Only that it was sent from me to your XXXX accepted. But nothing was sent back to me for any amount to the bank. 
You will have to show the return and where it was sent. It was not received in my records. 
You will have to show the date of return and where it was sent. It was not received in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
My cash app account has been getting scammed for months and I always tell them about it. They dont want to repay my bitcoin I even finally got a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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