vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: FL

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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX, Im writing to follow up on the account restriction placed on my account, as outlined in the email I received on ( XX/XX/year> ) Ive provided the requested documentation and have been waiting for an update. Unfortunately, I have not received any response to my multiple follow-up emails or calls, which is concerning. 

As this restriction is impacting my ability to access my funds, I kindly request an immediate update on the status of the review. Please let me know if there are any additional steps required on my part to resolve this issue promptly. 

If I do not receive a response soon I will need to escalate this matter to the Consumer Financial Protection Bureau to ensure my funds are protected. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I received a letter dated XXXX, claiming that I owed a debt of to a medical office. There was no validation of the alleged debt as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g., nor was there any acknowledgement that I had the right to ask for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  XXXX  continues to run an inquiry of my credit that shows up as a hard hit on my credit report. I do not have a card with XXXX XXXX, and I am requesting they stop running my credit.

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 2025-04-17 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: FL

Complaint narrative:
I am filing this complaint to report inaccurate and inconsistent reporting of a 30-day late payment in XX/XX/year> by Equifax on my credit report. This entry directly conflicts with reports from XXXX XXXX XXXX which reflect four different late payments in other months. The lack of consistency among the credit bureaus demonstrates that at least one of themand potentially moreis reporting inaccurate, unverifiable, or unsubstantiated information in violation of federal law.

This reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Requires credit reporting agencies to perform a reasonable reinvestigation when a consumer disputes information. 

15 U.S.C. 1681s-2 ( b ) Requires furnishers to verify and correct any disputed and inaccurate information.

15 U.S.C. 1681e ( b ) Mandates that credit bureaus maintain reasonable procedures to ensure maximum possible accuracy.

Furthermore, under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ), XXXX XXXX XXXX is legally required to send statements at least 21 days prior to the payment due date. If this requirement was not met, the creditor is not permitted to report the payment as late. 

In addition, reporting a late payment without proper investigation or documentation may constitute a deceptive or abusive act or practice, in violation of the Dodd-Frank Act and UDAAP standards. It also violates Regulation V ( 12 CFR Part 1022 ), which requires furnishers and bureaus to follow reasonable accuracy procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-17 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:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX ( PARTIAL ACCOUNT NO : XXXX.... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-04-17 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: CO

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

Company 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 2025-04-17 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: FL

Complaint narrative:
I am filing this complaint to report inaccurate and inconsistent reporting of a 30-day late payment in XX/XX/year> by Equifax on my credit report. This entry directly conflicts with reports from XXXX XXXX XXXX which reflect four different late payments in other months. The lack of consistency among the credit bureaus demonstrates that at least one of themand potentially moreis reporting inaccurate, unverifiable, or unsubstantiated information in violation of federal law.

This reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Requires credit reporting agencies to perform a reasonable reinvestigation when a consumer disputes information. 

15 U.S.C. 1681s-2 ( b ) Requires furnishers to verify and correct any disputed and inaccurate information.

15 U.S.C. 1681e ( b ) Mandates that credit bureaus maintain reasonable procedures to ensure maximum possible accuracy.

Furthermore, under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ), XXXX XXXX XXXX is legally required to send statements at least 21 days prior to the payment due date. If this requirement was not met, the creditor is not permitted to report the payment as late. 

In addition, reporting a late payment without proper investigation or documentation may constitute a deceptive or abusive act or practice, in violation of the Dodd-Frank Act and UDAAP standards. It also violates Regulation V ( 12 CFR Part 1022 ), which requires furnishers and bureaus to follow reasonable accuracy procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Opened XX/XX/2024 I believe. Advertised as interest free. Not the case I have interest added & fees. Monthly minimum is hundreds of dollars a month & keep increasing every month whether or not card is used. Predartory lending, my other credit cards don't have these excessely high monthly charges of hundreds of dollars a month. Was not made aware of a Interest Saving Balance. Have similar interest rate on the other cards BUT no fees, charges like XXXXChase. I can't keep up with these kinds of payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an email to increase my credit line on my XXXX simplicity XXXX. Nowhere in the email does it say that you are required to know and provide your tax exempt status with your income. you dont find this out until you call them on the XXXX XXXX number and speak to them.. They refuse to go forward with even determining whether or not you get a credit limit increase without knowing your tax exempt status .. a persons tax exempt status is none of their business. they are not practicing full disclosure by not disclosing that a credit card holders tax exempt status is necessary to even apply for a credit limit increase

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 2025-04-17 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im beyond frustrated that I have to revisit this issue yet again. This is now my final escalation regarding two accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which were already deleted from my TransUnion report after being deemed unverifiable. They were no longer appearing when I checked via XXXX XXXX. However, in XX/XX/year>, I pulled a new XXXX  report and was shocked to find both accounts had reappeared under TransUnion. To this day, TransUnion has failed to explain how or why these accounts were reinserted, what verification ( if any ) was done, or whether a proper reinvestigation occurred. No reinvestigation results, no certification of accuracy, and no written notice of reinsertion were ever provided. This is a direct and willful violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( failure to notify me within five days of reinsertion ), 1681i ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ), 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to provide reinvestigation results ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). XXXX XXXX XXXX  have permanently deleted these same accountsonly TransUnion continues to reinsert them, without any lawful basis. This inconsistency is alarming and raises serious concerns about XXXX internal procedures and data integrity. Ive had to pay out-of-pocket just to monitor these repeated reappearances, which continue to damage my score and interfere with my financial goals. I am demanding that these accounts be permanently removed from my TransUnion report with no further reinsertion under any circumstances. If this matter is not resolved immediately, I will pursue all legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, which include statutory damages of {$1000.00} per violation. Enough is enough. This is your final opportunity to correct this before further legal escalation.

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 2025-04-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 accounts opened XXXXXXXX XXXX XXXX  acct # : XXXXXXXX XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX acct # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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 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 2025-04-17 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-17 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: KY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief