vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld was sent a cease-and-desist letter on XX/XX/year>, yet they have continued to contact me and harass me over an unvalidated debt. Despite my request, they have failed to cease communication, which is a clear violation of the FDCPA. Additionally, the most recent statement they provided lists a balance that does not match the amount reported on my credit report. 

Furthermore, Transworld failed to follow proper protocol by never sending me correspondence stating that they were the new holders of the alleged debt. This failure deprived me of the opportunity to dispute the debt early on, violating consumer protection laws. 

I believe this company is engaging in unethical and illegal business practices by reporting inaccurate information, including the balance, open date, and date last active. Their failure to notify me and their continued attempts to collect on an unvalidated debt further demonstrate their disregard for federal regulations. 

Once again, this is a formal cease and desist and a demand for compliance. I am demanding the immediate removal of account # XXXX from my credit report within 14 days due to multiple FDCPA violations. If this issue is not resolved promptly, I will escalate this matter and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Incorrect Late Payment Reporting Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : DEPT OF ED/AXXXX Account Number : XXXX Creditor Name : DOE XXXX Account Number : XXXX Creditor Name : DOE XXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines. 
There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.

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 2025-03-21 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: IL

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 2025-03-21 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: IL

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 2025-03-21 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: LA

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 2025-03-21 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: DC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts 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  Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : 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 XXXXXX/XX/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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company : XXXX XXXX XXXXXXXX, Experian, XXXX Product : Credit Card Sub-product : Secured credit card Issue : Incorrect information on your credit report Sub-issue : Information belongs to someone else or is inaccurate What happened ( full narrative ) : I am filing this complaint against XXXX XXXX regarding two secured credit card accounts that I opened and that were both closed by XXXX XXXX in early XXXX. Despite responsible usage and full refunds of my security deposits, XXXX XXXX has reported inaccurate late payments and improperly charged fees and interest after the accounts were closed. 

Account 1 XXXX XXXX XXXX  Secured Card ending in XXXX Opened XX/XX/XXXX and closed by XXXX XXXX  on XX/XX/XXXX. 
Security deposit of {$200.00} was refunded on XX/XX/XXXX, confirming I had no balance due. 
Despite the closure and full refund, XXXX XXXX continued to report late payments and apply charges that led to a false balance. 
Disputed charges : {$25.00} XXXXturned ACH Fee on XX/XX/XXXX, due to AutoPay being active after closure. 
{$25.00} Past Due Fee on XX/XX/XXXX, despite no missed payments. 
{$25.00} Past Due Fee again on XX/XX/XXXX, two months after closure. 
{$0.00} and {$0.00} in interest charged on the above fees in XXXX and XX/XX/XXXXXXXX XXXX 
On XX/XX/XXXXXXXX XXXX I contacted XXXX XXXX after receiving a statement showing a balance of {$51.00}, made up entirely of these improper post-closure fees. Although I knew the charges were invalid, I paid the balance in good faith to prevent further credit damage. I am requesting a full refund of {$100.00} for these charges ( fees + interest + my payment ). 

Account 2 XXXX XXXX XXXXXXXX Secured Card ending in XXXX This account was also closed by XXXXl XXXX. I received a full {$200.00} security deposit refund on XX/XX/XXXXXXXX 
The XX/XX/XXXX statement showed a credit balance of {$200.00}, with no fees, interest, or past due balance. 
Despite this, the account is still showing on my credit report, and I am unsure if XXXX XXXX is reporting any negative history. I request that no derogatory or inaccurate marks be associated with this account. 
Requested Resolution : Immediate correction of all false reporting related to both accounts. 
Removal of all incorrect late payments, fees, and interest charges from my credit history. 
Refund of {$100.00} for charges associated with account ending in XXXX. 
Ensure no derogatory reporting is applied to account ending in XXXX. 
I have attached supporting statements and payment confirmation, and I am requesting a formal investigation under 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NY

Complaint narrative:
I previously had a student loan with XXXX, which was later transferred to Mohela as part of a servicing change. However, my XXXX credit report is now displaying two separate entries for the same loan ( account ending in XXXX ) one under XXXX and one under Mohela. This is incorrect because there is only one loan, yet it appears twice with different balances. This artificially inflates my reported student loan debt, which is misleading and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: NJ

Complaint narrative:
This XXXX account is identity theft and was previously removed. It can not be reinserted under FCRA 605B & 611. I demand immediate and permanent deletion.

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 2025-03-21 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: NJ

Complaint narrative:
This XXXX account is identity theft and was previously removed. It can not be reinserted under FCRA 605B & 611. I demand immediate and permanent deletion.

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 2025-03-21 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
Chief Complaint against Robinhood. 

I tried to transfer my crypto to XXXX XXXXXXXX XXXX XXXX for security of my crypto. I was able to get 2 of 3 accounts transferred and then they put a restriction on my last account ( XXXX  ). I did the facial recognition each transaction. I tried chat, it was not a normal chat line. No live person. It doesnt give options of communication. I called and again, no live person and told me to go to my account to reach service, then hang up on me. I tried email multiple times, same talk as phone lines and also told me they will relay my concerns to a brokerage. I received no calls. 
Date it began was XX/XX/XXXX. They said to provide bank statement and I did through the app. Then it said they will review and let me know by XX/XX/XXXX. I check daily and they push the review date another day. Yesterday, I sold my crypto and its now sitting in their cash reserve. I am not allowed to cash it out or buy. They have my money and will not release my funds. I have {$3800.00} locked up. Today is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was opening a new bank account and got denied. I thought that was odd, so I looked up the issues through XXXX and saw a charge off for XXXX from Citzens bank for the XX/XX/year>. I have never had any accounts with Citizens ever. 

RTN/ACCT # : XXXX XXXX XXXX I called Citizens and they told me to submit a claim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: RI

Complaint narrative:
They call me several times a day and hang up as soon as I answer. If I call them back it says thank you for calling Rausch Sturm.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'd disputed XXXX XXXX ; ( Charged-off Open Date : XX/XX/year> Balance : {$45000.00} ) from my consumer report which has been deleted with a previous complaint filed to CFPB. EQUIFAX has failed to notify me ( the consumer ) within XXXX business days regarding the deletion of such information & reinsertion. 15 US 1681iB Requirements relating to reinsertion of previously deleted material ; clearly states under such law the procedures that may be taken due to each action regulated under Fair credit report act.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion I was NEVER notified within XXXX business days of such account reinsertion onto my consumer report until applying for credit. 
This is NOT a direct dispute with XXXX XXXX but, a dispute with EQUIFAX not subsequent to the rules & regulations as follow under Regulation V.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have encountered difficulties in managing my account due to unforeseen personal circumstances, which have affected my ability to keep up with payments. I hope to resolve this issue with the support of the CFPB and have the situation addressed fairly.

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 2025-03-21 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: MN

Complaint narrative:
Subject : Dispute of Incorrect Missed Payment on Account # XXXX Dear XXXX, I am writing to formally dispute an inaccurate report on my account # XXXX. ** My records show that I made all payments on time ; however, my credit report incorrectly reflects a missed payment for XX/XX/year>. 

I kindly request that you review your records and correct this error. Attached are copies of [ bank statements, payment confirmations, or any supporting documents ] that demonstrate my timely payment. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I ask that you investigate this matter and update my account accordingly. 

Please provide a written response confirming the resolution of this issue. If this error is not corrected, I may escalate my dispute with the credit bureaus or seek further action. Please update to PAANL I appreciate your prompt attention to this matter. Please contact me at XXXX if you require any additional information. 

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