vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: WA

Complaint narrative:
I am writing to dispute certain information on my credit report. Specifically, I am contesting a past eviction credit entries that I believe are inaccurate or outdated. I have called the main office to work out the misunderstanding however they do not have any records of our leasing their due to them having new management with new procedures and protocols. I have called and spoken with agents from Experian and Equifax, with no provided evidence of any of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1681i, which mandates a reasonable investigation of disputes. furthermore, Experian and Equifax 's action may also contravene the Consumer Financial Protect Act ( CFPA ) 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Experian and Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of late payments by XXXX XXXX on my Experian credit report. 

This is an active account in good standing. I disputed the reporting of late payments which I believe are inaccurate, and Experian simply verified the account without proper investigation or providing any method of verification as required under the Fair Credit Reporting Act ( FCRA ).

The FCRA mandates a reasonable investigation and accuracy in consumer reporting. I am requesting that the late payment ( s ) be removed and the account reflect a current and on-time payment history, without derogatory remarks. 

I request CFPB assistance to ensure Experian fulfills its obligations and updates my file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of late payments by XXXX XXXX on my Experian credit report. 

This is an active account in good standing. I disputed the reporting of late payments which I believe are inaccurate, and Experian simply verified the account without proper investigation or providing any method of verification as required under the Fair Credit Reporting Act ( FCRA ).

The FCRA mandates a reasonable investigation and accuracy in consumer reporting. I am requesting that the late payment ( s ) be removed and the account reflect a current and on-time payment history, without derogatory remarks. 

I request CFPB assistance to ensure Experian fulfills its obligations and updates my file accordingly.

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 1681.

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. 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.

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 2025-04-28 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: MI

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 1681.

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
They gave me an interest rating at 99.8 % interest rating almost 100 %. As I looked at the laws in the Florida I found out that that interest rating is illegal in the state of florida. They told me to XXXX them. I don't have the money to sue them so a lawyer told me to follow complaint with the state of Florida because those interest ratings in Florida are illegal. No interest rating can be above 18 % on {$500000.00} that's what my lawyer told me. I spoke to them on XX/XX/XXXX and they will not respond back to me about the illegal interest ratings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I was looking at my credit report and saw XXXX fraudulent inquiry XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: DE

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 explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I already have 3 accounts that do not show in my credit report, particularly with Equifax. The accounts show in all the other bureaus except Equifax. 

Example XXXX XXXX XXXX Date Open : XX/XX/year> ( Secured Loan ) Example XXXX XXXX XXXX Date Open : XX/XX/year> ( Secured Credit Line ) Example XXXX XXXX XXXX XXXX  Date Open : XX/XX/year> ( Credit Card )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPROTING FALSE INFORMATION IN WHICH THEY ARE GETTING FROM CREDITORS, THESE ARE THE COMPANIES ARE REPORTING FALSE INFORMATION ARE INCORRECT INFORMATION 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CREDIT COLLECTION SERVIVES XXXX. XXXX XXXX XXXX LATE PAYMENTS REMOVE XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX UNAUTHORIZE INQUIRIES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ALERT WAS ADDED TO MY ACCOUNT ALSO THIS WAS AUTHORIZE. 

I AM A VICTIM OF IDENTITY THEFT AND ALSO A VICTIM OF DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
XX/XX/year> - My loan was paid off and I was owed {$2300.00} in escrow. Rounpoint was given my updated mailing address but failed to update their system and mailed the check to the wrong address XX/XX/year>XXXX  - I called to inquire on status. They cancelled the check and reissued the check and updated my mailing address. 
XX/XX/scrub>XXXX  - I called again as I had not received the check and they said it was cut on XXXX and would be mailed out and should arrive within 7-10 days. 
XX/XX/year> - Called again to check status only to learn that they issued the check to THEMSELVES! Never cut a check to me and no check was in the mail. They said they would reissue the check within 3 days and send it overnight. 
XX/XX/year> - Called again today and the check still has not been cut. They can not provide a date as to when the check will be issued to me. 

By their own policy they have 20 days to issue the refund. It has been almost three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
b'Around XXXX XXXX XXXX XXXX sent debt validation letter'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
As mentioned in my last complaint, I purchased {$680.00} of XXXX cryptocurrency, and Robinhood suspended my account. After verifying my identity with my driver 's license, an uploaded bank statement, and a selfie, Robinhood decided to " close '' my account.

" We're closing your Robinhood account due to recent account activity. Well notify you once this process is complete. '' I have tried to contact customer support about this, and no response. I have almost {$700.00} in assets in Robinhood, and they won't tell me what will happen after they close my account or even why my account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Friday, XX/XX/year>, I visited XXXXXXXX XXXX XXXX to purchase a XXXX XXXX XXXX. I was told the product would be made of XXXXXXXX XXXX  and I paid through Cash App as instructed by the business. However, after receiving the item, I became suspicious of its authenticity and had it examined. I was informed that the XXXX was not made of XXXX gold, but instead appeared to be composed of other metals that had been spray-painted to look like gold. I have attached pictures showing the item I received. This is a misrepresentation of the product I was sold, and I would like a full refund and for this issue to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a text message from TSI collections regarding a XXXX XXXX debt ( I have never had XXXX ). When I called the collection agency, they told me I would need to pay a XXXX  fee in order to validate the debt. I explained that I was unwilling to pay to validate a debt, and I refused to give them my banking information. I explained that I needed a debt validation letter mailed to me, but they refused, stating that there was no way around the " pay a XXXX  '' validation system. The agent did not have an accent so I don't believe this is an overseas scam, but this is seriously concerning. I received the text on the morning of XX/XX/XXXX and I called them at around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services XXXX, NY XXXX RE : Account Number : XXXX Dear Sunrise Credit Services, I am writing in response to the above-referenced account, which you have erroneously reported to my credit files. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., and applicable Pennsylvania consumer protection statutes, I hereby formally dispute and unequivocally refuse to pay this alleged debt. 

First and foremost, you failed to provide any prior notification of this alleged debt before placing it on my consumer credit report, thereby violating my rights as stipulated under 15 U.S.C. 1692g ( a ). This violation alone is grounds for immediate removal of this account from my credit report. 

Additionally, under both federal and Pennsylvania consumer protection laws, including but not limited to Pennsylvanias Fair Credit Extension Uniformity Act ( FCEUA ) and Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), I am entitled to a full and complete validation of this alleged debt. Therefore, I demand that you provide the following documentation within the statutory period : The original signed contract or agreement bearing my signature, verifying my obligation to pay the alleged debt. 

Complete chain of assignment clearly identifying your authority and standing to collect this alleged debt. 

The full purchase and sales agreement documenting the transfer of this account from the original creditor, XXXX, to Sunrise Credit Services. 

Be advised that a mere billing statement or printout from your internal records is insufficient proof under federal and state laws. Without the requested validation documentation, any further attempts at collection or continued reporting of this alleged debt to any credit reporting agency will be deemed as willful violations of the FDCPA and FCRA. 

Given these violations, I demand that you immediately cease all collection activities, promptly delete this account from all consumer credit reporting agencies to which you have reported, and provide written confirmation of such deletions. 

Failure to comply with this request within thirty ( 30 ) days from the receipt of this letter will result in my pursuit of all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Pennsylvania Attorney General, and potential civil action to enforce my rights. 

This communication serves as formal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an accOunt for which have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, Account Number : XXXX l request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, Idemand that these payments be promptly updated to reflect their true status as on-time. as l have consistently upheld my payment obligations without delay

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 2025-04-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
b'This inquires was placed on my credit report without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation