vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am requesting the immediate removal of inaccurate, outdated, and unverifiable information from my LexisNexis credit file. After reviewing my report, I identified the following errors : Incorrect addresses not associated with me Obsolete phone numbers Names unrelated to my identity Invalid accounts I am not the fiduciary for Other erroneous personal information These entries violate the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c ( a ) obsolete information 15 U.S.C. 1681e ( b ) failure to maintain accurate procedures 15 U.S.C. 1681i ( a ) failure to correct errors after a dispute 15 U.S.C. 1681g ( a ) failure to disclose sources of inaccurate data LexisNexis has failed to provide proper verification or validation of these disputed items. I demand that all unverifiable or inaccurate entries be removed, and that a corrected copy of my report be sent to recent creditors and employers. I have included proof of identity and highlighted entries.

Failure to comply may result in legal escalation. I am submitting this complaint in good faith as a foreign national protected under federal consumer law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
Today is XX/XX/XXXX. Last week on my credit reports, I had received a notification for delinquent account with Ally Bank which was cleared in XXXX of XXXX ( 3 years ago ). My balance owed has shown {$0.00}, but is reported delinquent. I have all documents, including a check cashed by them, and the lien being released by them as proof the account is free and clear. The only thing that can maybe show was a Disposition Fee which is irrelevant to my case as we purchased the vehicle so that should not exist. For years, I was clean and just last week this is reported falsely. I can provide all documents upon request. I have taken a big hit from all Credit Bureaus and will want this removed immediately. Please help with this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-21 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 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 XXXXB 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 2025-04-21 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: Experian Information Solutions Inc.
State: OH

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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. 

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.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting you take off all old address and phone numbers off my credit report that no longer belong 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX lost all of our information when they bought a block of loans. we couldn't create a login to create an online account. the system didn't recognize our account information ( ssn, phone number, zip code ) on their online portal. .We couldn't get through to customer service when our mortgage acct was sold to XXXX XXXX I've emailed the president, the 2 VP 's of compliance. i have sent certified letters. No response back from upper management!

edit bureaus. As outlined in : 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ( furnisher investigation duty ), 15 U.S. Code 1666b ( timely posting and billing error resolution ), 12 CFR 1026.13 ( Regulation Z : billing error procedures ), You are required to conduct a reasonable investigation, provide documentation validating the item, and notify any credit reporting agencies if the item is found to be incorrect or unverifiable. 

My Requests : Investigate the disputed charge or entry promptly. 


Remove or correct the item as appropriate. 


Provide written verification or evidence supporting the legitimacy of the item. 


Notify all consumer reporting agencies to whom this item was furnished if changes are made. 


Please confirm receipt of this dispute and provide a written response within the regulatory timeframe of two billing cycles ( not to exceed 90 days ), as required by 12 CFR 1026.13.

Failure to resolve this properly may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or other legal action.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: DISCOVER BANK
State: GA

Complaint narrative:
This complaint is against XXXX with Customer Service/ Discover Card I applied for a Guaeanteed Secured Credit Card with Discover Card. I used my Bank XXXXXXXX XXXX on my application for Discover Card to get {$200.00} from my bank. They for some reason didn't have my bank on their list to use. So my Credit was declined and this went against my Credit file. This was the fault of Discover Card and this is false advertising! XXXX was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> I received an email from Synchrony Bank about their credit card promotion. I read the terms ( spend {$500.00} in the first 3 months to get {$150.00} back ), signed up for the card, and successfully completed the promotion requirements. Synchrony did not credit my account with {$150.00} in the allotted time of the promotion offer. I called customer service multiple times and explained the issue. Each time they claim they will look into it and get back to me within 30 days, but they have failed to do that twice.

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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Servicing XXXX Servicing company XXXX g us around since last XXXX! 
They received the XXXX check from the XXXXXXXX XXXX XXXX in XXXX of XXXX and have not soidified a mod since - its 2 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
A wire transfer was initiated with Robinhood to the closing company, to go towards the down-payment for the house I'm purchasing. 

Wire initiated on XX/XX/XXXX, for {$100000.00} from my available cash. 
Robinhood requested verification documents- provided promptly on XX/XX/XXXX. 

Robinhood requested additional house purchase contract documents on XX/XX/XXXX, provided contract copy as well. 

Have been following up with RobinhoodXXXX no accountability or response to getting the wire transfer completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
Experian has been soliciting me via email, sometimes more than twice daily, regarding balance transfer opportunities. Their promotion stated that I was " already pre-approved for a card with a lower interest rate '' and that this application process is a " no ding Decline offer '' ; that I could " apply for a new credit card without dinging your credit if you're not approved ''. Since this is marketed as having NO repercussions and seemed like a win/win situation I finally decided to apply for the XXXX interest card they said I was pre-approved for. 

This promotion turned out to be completely false and predatory. 

On XX/XX/XXXX I applied for a XXXX card through the Experian link as they were paired with me as a " pre-approved card. ". 
I was was very quickly declined within ( 24-28 hours ) and a Hard Inquiry from XXXX appeared almost immediately on my credit report. My report states that this hard inquiry will be on my credit report now until XXXX. 
My credit score has been directly impacted negatively by this ; first it fell XXXX point, then XXXX, and it continues to fall. I'm now down to a XXXX credit score. This experience has put my ability to buy a home in jeopardy. 
I reached out to Experian multiple times since to ask for clarification and to have that Hard Inquiry removed. I have only been met with " there's nothing we can do ''.... '' we don't know why that happened '' and I was even told by Experian " you should try calling XXXX and have them remove it from your inquiries '' which, by the way, is not possible. 
I did call XXXX and they explained it is ALWAYS a Hard Inquiry and they absolutely have no way of removing a Hard Inquiry from my credit report ; that only Experian could do that. 
I have been lied to, misled, a victim of a predatory scam perpetrated by Experian ; I've since found out that Experian makes money when you apply for a credit card on their site. This is an unacceptable practice.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My XXXX chase XXXX was hacked. They shopped with my earned points on XXXX, chase has made it impossible. I truly believe it is an inside hack from XXXX because my card is hacked at least once a year. They refuse to refund me even though they acknowledge I have been robbed. They keep me on hold, disconnect the call, yell at thier children, flushing toilets in the background. I have tried for over 3 months to get my money back, several phone calls. They froze my XXXX account out of spite when I complained about my refund. I am frustrated and cant believe they cant give me the run around. I went to a Chase bank and they sat on the phone on hold for over XXXX, its like a XX/XX/XXXXXXXX, only it isnt funny, its my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Formal Complaint to CFPB - Cash App Refusal to Investigate Fraud To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding a fraudulent Bitcoin transaction that occurred via Cash App XXXX Block , Inc. ), as well as related fraud involving XXXX and additional Cash App transfers. 

In early XX/XX/year>, I transferred {$6900.00} in XXXX from my Cash App wallet to the following public address : XXXX This transaction was part of an online investment scam ( XXXX ), and I was misled into sending the funds under false pretenses. In addition to this transfer : - I sent {$4100.00} via XXXX to XXXX ( XXXX XXXX ) - I sent {$100.00} via Cash App to XXXX XXXX ( ID : XXXX ) All of these payments were made under the same scam, and none of the funds have been recovered. I have already filed official complaints with : - FBI ( IC3 ) - FINRA - CFPB ( regarding XXXX ) I contacted Cash App support and submitted detailed documentation of the scam, including federal complaint numbers and a formal written appeal. However, Cash App refused to investigate or take any further action, citing that " XXXX transactions can not be reversed. '' This refusal is unacceptable given the evidence of fraud and should be reviewed by regulatory authorities. 

Cash App logged my internal complaint under support case number : XXXX I respectfully request that the CFPB review this matter and urge XXXX XXXX XXXX to investigate the associated accounts and cooperate with law enforcement. These transactions were part of a coordinated investment scam and warrant formal attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for B of A credit card with promotion, and it was denied. But it said I was approved for card with no promotion, so it was a bait and switch. 

{$200.00} online cash rewards bonus after making at least {$1000.00} in purchases in the first 90 days of account opening was what I applied for.

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 2025-04-21 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

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