vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
XXXX do what is fair XXXX me as a consumer, delete XXXX update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials XXXX mental anguish that I can't even stand. I will not tolerate this anymore XXXX will seek litigation if this is not handled!

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My company XXXX XXXX had a small business account with Chase Bank which is now closed. My account detail are as follows : Account XXXX : XXXX. 
The problem starts with the deposit of pay check from XXXX of the insurance company named " XXXX XXXX '', XXXX deposited the pay check and soon depositing they revert back most of the pay check back out of the bank account. This incident make my bank account flagged in chase and they first suspend my account and then decided to close it. Upon contacting Chase they said that they hold the remaining balance of my account on until investigation completes. But it's now almost XXXX  months Chase haven't released my funds yet. I called them several times but there are routing me through departments and are not giving me satisfactory answers regarding when they will release the funds. Chase also didn't contacted me regarding investigation they have just closed my account and currently holding my funds for no reasons. I have complete statements of the bank before closure of my account which shows deposited amount and reverted back amounts from " XXXX XXXX ''. I want my case should be completed and investigated as soon as possible because its almost more then XXXX months as my account is closed and my fund are still at hold. I am ready to provide all the documents as proof upon request if needed. 
Looking forward for your co operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-05-02 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: CA

Complaint narrative:
Bank errors related XXXX billing XXXX reporting are negatively impacting my credit. Under XXXX ( XXXX XXXX Code XXXX ( b ) ), creditors are required XXXX accurately reflect payments XXXX credits, but several issues have arisen : payments I made were not properly recorded, XXXX there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law XXXX  unfairly harm my credit standing.

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 2025-05-02 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I've been with XXXXXXXX XXXX XXXX for 4 year 's and about a year ago it's been getting crazier with my bill. They send me notices of how much I owe so when I get paid I pay that amount or a little more but I never have any available credit because once I speak with them they try and tell me that my credit card payment is over {$200.00} but I'm not able to use my card so how is it that I owe that much. I paid my bill one month and didn't use it but the next day they are telling me that I can't use my card because more fees have popped up and I can only use my card one week ( when I'm able to use it ) because when I need to pay something with a credit card I add money to it but my money is going because they take it telling me that more face popped up so I feel like I'm paying them every month and not being able to use them and I feel like I'm getting ripped off I've been with them for like I said 4 years and I only got to increase {$100.00} and all the sudden all kinds of other fees are popping up that's why my money is always been taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: NY

Complaint narrative:
I am reporting identity theft regarding a fraudulent student loan account in my name with MOHELAXXXX. I never attended the institution associated with this loan and was unaware of its existence until I discovered it on my credit report. 

The loan was fraudulently opened in my name without my knowledge or consent. Additionally, my signature does not match the one used on the loan documents. My elderly co-signer, [ Co-signers XXXX ], has been making payments on this fraudulent debt under duress. 

Over the past several months, the lender and debt collectors have been harassing and threatening my co-signer, including making repeated phone calls, demanding payment, and causing emotional distress. My co-signer is elderly and should not be subjected to these aggressive collection practices for a fraudulent debt that I never agreed to. 

I am formally disputing this loan as fraudulent and requesting an immediate investigation, removal from my credit report, and cessation of all collection activity against me and my co-signer. 

I have also filed a police report regarding this fraud and will be taking further legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Two times Resurgent has tried to collect two debts that are not mine. They reference institutions that I have never had any dealings with. Resurgent is fraudulently trying to collect fraudulent debts from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-02 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 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 2025-05-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXXb permissible purposes of consumer reports. 15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. XXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. XXXXc ( a ) ( XXXX ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-02 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: FL

Complaint narrative:
Subject : Formal Dispute Unauthorized Hard Inquiries Under XXXX XXXX XXXX ( FCRA Violation ) Agency : TransUnion To Whom It May Concern : I am filing a formal dispute regarding XXXX unauthorized hard inquiries that have appeared on my personal credit report with TransUnion. These inquiries were made by XXXX OF XXXX and XXXX CARD on XX/XX/XXXX. 

These inquiries were submitted under the Employer Identification Number ( XXXX ) of my Limited Liability Company ( XXXX ), not under my personal Social Security Number ( XXXX ). While I may have been listed as the personal guarantor for a business credit application, I did not authorize or consent to the use of my personal credit for this purpose. At no point did I provide written authorization for these lenders to access my personal credit file for a business transaction. 

This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. XXXXb ( f ) Permissible purpose was not met. 
15 U.S.C. XXXXi Duty to verify and correct inaccurate or unauthorized information. 
15 U.S.C. XXXXb ( b ) If the inquiry can not be verified with documented proof of my personal authorization, it must be removed. 

No personal credit account was opened from these inquiries, and no relationship was established under my XXXX with either entity. These inquiries are negatively affecting my personal credit score and were not lawfully initiated. 

Requested Action : I respectfully demand that TransUnion immediately delete the inquiries made by XXXX OF XXXX and XXXX CARD dated XX/XX/XXXX, and provide written confirmation of their removal. If you can not provide clear documentation that I personally authorized these inquiries under my XXXX, they must be deleted immediately, as required by law. 

Thank you for your urgent attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FLORIDA XXXX Date of birth : XX/XX/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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 : 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 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 XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2025-05-02 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: AL

Complaint narrative:
I am writing XXXX  express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, XXXX  have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet XXXX  receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file XXXX hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, XXXX I am left with no choice but XXXX plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken XXXX update XXXX  rectify my credit report without any further delay. With your help, I hope XXXX restore the accuracy XXXX integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you XXXX give this matter your utmost attention XXXX take swift action. Your cooperation XXXX support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding XXXX assistance.

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 2025-05-02 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: MS

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 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 2025-05-02 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: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am filing this complaint against Robinhood Financial LLC regarding an issue with access to my funds. 

On XX/XX/2025, I attempted to withdraw money from my Robinhood brokerage account. Instead of processing my withdrawal request, Robinhood suddenly placed a restriction on my account. Since then, I have been completely unable to access or transfer my funds. The only action I am permitted to take is to close open positions. I am not able to withdraw or transfer any cash or assets, which is highly distressing and unacceptable.

As of today, my account holds more than {$4500.00}, and I am unable to access these funds. Robinhood has not provided any specific or reasonable explanation for this restriction, and their customer service has been unhelpful and unresponsive. This lack of transparency and access to my own money raises serious concerns and feels deceptivealmost as if I am being scammed by a financial platform that is supposed to safeguard my investments.

I am requesting the CFPB to investigate this matter, ensure that Robinhood is held accountable, and help facilitate the release of my funds so that I can regain control of my account.

Company response to consumer: Closed with explanation