vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I contacted chime about unauthorized charges that were made to my account from XX/XX/XXXX through XX/XX/scrub> 2025. Chime closed my account. I filed a police report XX/XX/XXXX for XXXX fraudulent unauthorized charges totaling {$200.00}. I filed a dispute with chime a week later chime denied my claim and said that there were no errors. The fraudulent unauthorized charges were made to XXXX gaming on my chime virtual card while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

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 XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX 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 I 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 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 2025-04-22 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: GA

Complaint narrative:
I've had an account with XXXX for a few years, not used it much, recently I wanted to start using it, so I added money from my personal checking account, after one or two transactions they blocked my account because they need to verify me.

I sent them the info they needed three times, a forth time I sent them someonthing more they asked for. 

It's been 3 weeks and they have yet to clear my account. 

I asked for my money back, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
* * Complaint Description : * * I am filing this complaint against Equifax for improperly rejecting my valid identity theft documentation during a credit dispute. 

I submitted an official * * FTC Identity Theft Report * * obtained directly from the * * Federal Trade Commission 's IdentityTheft.gov * * website, along with supporting documentation, to Equifax. Despite the report being fully compliant with federal guidelines, Equifax responded stating that my FTC report was not valid, which is inaccurate and unacceptable. 
Under the * * Fair Credit Reporting Act ( FCRA ) 605B * *, a consumer is entitled to block or request removal of information resulting from identity theft by submitting : - A valid Identity Theft Report from the FTC or law enforcement, - Proof of identity, - Identification of the fraudulent accounts in question. 

I provided everything required, yet Equifax failed to properly process my dispute and violated my rights under the FCRA by dismissing a valid FTC report without reasonable justification. 

-- - * * Fair Resolution Requested : * * I am requesting that the CFPB XXXX Equifax to : - * * Accept my FTC Identity Theft Report * * as valid, as mandated by federal law ; - * * Reinvestigate my dispute thoroughly * * ; - * * Remove the inaccurate or fraudulent account information * * from my Equifax credit report ; - Provide a written confirmation of all actions taken. 

Equifax must be held accountable for failing to comply with FCRA dispute and identity theft procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the XXXX XXXX XXXX program. My information was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
This is a follow-up to the previous case XXXX. 


On XX/XX/year>2025, I reapplied for the Apple Card to test whether doing so would generate a new Path to Apple Card invitation, based on guidance I had received from a Goldman Sachs representative. As expected, I received another invitation email on XX/XX/scrub> 2025, at XXXX XXXX EDTidentical in timing and content to the original invitation sent on XX/XX/scrub> 2025. Despite following all instructions and attempting to enroll during the six-day window, the enrollment option never appeared, just as it had not during my first attempt. 

This repeated failure, under the same circumstances, strongly indicates a system errornot consumer action. I never took any action to opt out of this and never applied for another one. I was actively trying to enroll, but was blocked by the system. Their explanation not only ignores the timeline and facts but also contradicts the guidance I was given. 

This has now happened twice, with identical results, and yet Goldman Sachs continues to dismiss it as user error rather than acknowledging a technical failure on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-22 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

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 2025-04-22 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: PA

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 2025-04-22 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: FL

Complaint narrative:
Good afternoon, TransUnion was reflecting delinquent payment history from XXXX, XXXX to XXXX  days. 

I submitted a dispute through TransUnion and they did an investigation. XXXX cooperated and provided documentation showing the account was not delinquent and all payments were on time. 

But what was not adjusted was the payment history. The payment history still reflects missing payments which is impacting my XXXX XXXX. I have never missed a payment and my fair ones is on autopay and I actually pay more than what the minimum balance is. TransUnion needs to update the payment history to accurately reflect no missed payments. 

XXXX has reached out to TransUnion and has confirmed no missed payments. 

To sum all this up, TransUnion needs to update their data to show on-time payments history to accurately reflect that I have never missed a payment since the loan began. As an example, I went from an XXXX to a XXXX due to inaccurate data being captured. This is hindering me from purchasing a home for my grandparents.

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 2025-04-22 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: TX

Complaint narrative:
Dispute submitted with Experian to challenge medical debt collection in which payment documentation was provided. Experian closed dispute and refused to provide information as to what was used to verify debt was not paid even after I submitted pay statement showing bill was paid by insurance in full and balance due was {$0.00}. Additionally, Violation of law by Experian adding medical debt to credit report.

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 2025-04-22 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

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 2025-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Finular Group, Inc.
State: TX

Complaint narrative:
I contacted on XX/XX/XXXX via email they provided on the website ( XXXX ) and requested that they only contact via email and to provide me with info on how to pay back loan. They never responded and have continued to contact me. Most recently on XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I 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 2025-04-22 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: NC

Complaint narrative:
Information on my transunion credit bereau as well as the other two credit bereau 's are showing that I am in forbearance with my mortgage company ( XXXX XXXX ). This forbearance ended at the end of XX/XX/2025. I called my mortgage company to find out why it is still on my reports. The told me they had released the forbearance to all bereau 's back in XXXX 2025. When I called all three credit bereau 's, they told me that they had not recceived that information from XXXX XXXX. I called back to XXXXXXXX XXXX and told them. they said they would not report the correct information to the bereau 's again. I am trying to do a refi and this is holding me up!!!

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 2025-04-22 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: NC

Complaint narrative:
Information on my transunion credit bereau as well as the other two credit bereau 's are showing that I am in forbearance with my mortgage company ( XXXX XXXX ). This forbearance ended at the end of XX/XX/scrub> 2025. I called my mortgage company to find out why it is still on my reports. The told me they had released the forbearance to all bereau 's back in XXXX 2025. When I called all three credit bereau 's, they told me that they had not recceived that information from XXXX XXXX. I called back to XXXX XXXX and told them. they said they would not report the correct information to the bereau 's again. I am trying to do a refi and this is holding me up!!!

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 2025-04-22 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: NC

Complaint narrative:
Information on my transunion credit bereau as well as the other two credit bereau 's are showing that I am in forbearance with my mortgage company ( XXXX XXXX ). This forbearance ended at the end of XX/XX/scrub> 2025. I called my mortgage company to find out why it is still on my reports. The told me they had released the forbearance to all bereau 's back in XXXX 2025. When I called all three credit bereau 's, they told me that they had not recceived that information from XXXX XXXX I called back to XXXX XXXX  and told them. they said they would not report the correct information to the bereau 's again. I am trying to do a refi and this is holding me up!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this correspondence regarding a credit reporting dispute that has remained unresolved well beyond the 30-day statutory window provided by federal law. Despite initiating the dispute over 30 days ago, it continues to show as " dispute in progress '' without resolution or further communication from your agency.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and must complete this reinvestigation within 30 days of receiving the dispute. If additional information is provided during this period, an extension of no more than 15 days may be granted under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ; however, I have not been asked to provide such information nor have I received any justification for this delay.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information can not be verified during the reinvestigation, it must be deleted from the file of the consumer. Since your agency has failed to complete the reinvestigation within the allowed time frame, and no evidence has been produced to support the continued reporting of the account, it is legally appropriate and necessary to delete the account from my credit report.

Furthermore, per 12 U.S.C. 5534, the CFPB mandates that consumer complaints be handled in a timely and responsive manner. The prolonged inaction and failure to complete the reinvestigation violates this directive and further supports my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief