vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Experians Failure to Accurately Reflect Disputed Account During Active Legal Litigation Dear CFPB, I am submitting this complaint to formally request your intervention regarding how Experian is handling a disputed account that is currently involved in active legal proceedings. 

The account in question belongs to XXXX XXXX XXXX XXXX, XXXX, which reported a {$240.00} charge that I have formally contested. On XX/XX/year>, I submitted a dispute through Experians online dispute platform. I subsequently provided documentation that the matter is under active litigation in Maryland XXXX XXXX XXXX XXXX XXXX, with a hearing scheduled for XX/XX/year>. 

Despite this, Experian : Failed to mark the account as Account in Dispute ; Continued to display the account as XXXX days past due ; Allowed the reported delinquency to negatively affect my credit score, resulting in a XXXX drop ; Closed the investigation with the comment investigation complete reported by data furnisher, despite receiving evidence that the charge is unresolved in court. 

I believe this violates Experians obligations under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( a ) which requires a reasonable reinvestigation of any disputed information ; XXXX U.S.C. XXXX which prohibits reporting information that is under legitimate dispute or is inaccurate. 

I am asking CFPB to : Investigate Experians failure to follow dispute procedures ; Require Experian to properly mark the account as in dispute ; Ensure that the delinquency status is excluded from scoring models while litigation is pending ; Prevent further damage to my credit file while the case remains legally unresolved. 

I have attached court documentation showing the active litigation and dispute status. I am pursuing all available legal remedies, but need protection from credit harm while the matter is pending. 

Thank you for your attention and assistance. 

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> and XX/XX/year>, criminals hacked into my on-line checking account and on three occasions, ordered checks from Truist Bank . The criminals then provided Truist bank employees with an address to send the checks. The address was not mine and the Truist employees, perhaps acting in concert with the criminals, sent the checks to the criminals on all three occasions. Truist never thought this was unusual and never contacted me. I have never ordered checks from Truist in the many years I had the account. The criminals attempted to drain my checking account by cashing the unauthorized checks provided to them by Truist employees. Neither check was successfully cashed- one was deposited but not paid. Nonetheless, Truist refused to release the funds in dispute ( $ XXXX my money ) and refused to credit the fees charged to me when Truist XXXX provided the unauthorized checks to the criminals ( {$77.00} x XXXX ). Clearly, the Truist employees, through stupidity or intentional acts, facilitated the criminal conduct. I need to close the checking account and recover the frozen funds but Truist refuses to return the funds to me. I have filed an Affidavit of Fraud and supporting documents but Truist has done nothing to return the funds..

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 monetary relief
Consumer complaint received 2025-07-01 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:
For Account name XXXX XXXX XXXX Account XXXX Under 15 USC 1681c-2, the FTC Identity Theft Report is formal notice. You must block all identity theft accounts/inquiries. This report is my law enforcement statement. Delete immediately.

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 2025-07-01 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: PA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I hired a company XXXX and was promised services that were not performed. The company sent alleged proof of services they were not hired for and Chase simply closes the claim. I have sent evidence from the merchant and Chase does not properly investigate and have continued to leave me as the consumer at a loss. Chase also stated the consumer credited the account when it is clear that they have not. I have called over 4 times for the same matter. I am told that the claim is closed automatically by the system which shows that no one is properly investigating the dispute. Scammers are on the rise and although as a consumer, I pay for the services and properly report the scamming nothing is done and I trust the bank when I make the purchases, as the transactions are documented, and they do not protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My account was closed due to the credit card company investigating my other cards. Ive never been late on payments or hardly used it. It was solely used for my pets and I never had issues until they started investigating my other account not with them and making the decision to close my account solely for those purposes. Care Credit is the card in question here. I am very disappointed how this company decides to take away a credit card by investigating other personal cards the consumer has.

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 2025-07-01 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Im filing a formal complaint against Robinhood for their failure to credit my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX transferred XXXX XXXX last year. Despite multiple attempts to resolve this with their support team, providing transaction details and case numbers, Ive received only repetitive, unhelpful responses, causing me significant financial and economic harm. Ive escalated this matter to the Consumer Financial Protection Bureau and demand that Robinhood immediately credit or refund my XXXX XXXX XXXX XXXX, along with a full explanation of why this transaction was not processed. I have a transaction hash, plentiful case XXXX, an amount of unhelpful repetitive responses from Robinhood support team. The only thing they did was close my account down. They wont even call me or directly answer my questions. As someone who self-employed I really need this money for bills and to live. Ive been waiting since XX/XX/year> thats when Robin Hood said it would be available. It has never appeared in my XXXX XXXX account, never been refunded to my XXXX on XXXX and I was never given any viable or effective solution. Please help me! I cant let them get away with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint to report CCB/SEPHORAV for the unauthorized furnishing and continued reporting of my personal information to the consumer reporting agencies without my consent. The tradeline for CCB/SEPHORAV is appearing on my consumer reports despite the fact that I, the consumer, have never granted written authorization to CCB/SEPHORAV to collect, report, or share my nonpublic personal information.

This conduct constitutes a violation of FCRA 604 Permissible Purpose, and a breach of FCRA 607 ( a ) failure to maintain reasonable procedures to ensure reporting is limited to authorized and lawful purposes. In addition, 15 U.S.C. 68016803 ( GLBA ) protects nonpublic personal information and requires financial institutions to provide clear and conspicuous notice of data sharing practices and an opportunity to opt out neither of which were provided to me by CCB/SEPHORAV.

This unauthorized reporting not only violates privacy protections but also rises to the level of identity misuse, triggering potential violations under 18 U.S.C. 1028A Aggravated Identity Theft. No disclosure, no opt-out opportunity, and no consumer authorization were provided prior to the reporting of this account.

The CFPB has recognized this type of behavior as a core issue with the credit reporting industry, noting in its advisory opinion that consumers credit files are not always treated with the confidentiality and care required by law. The FCRA was enacted to prevent the exact type of abuse demonstrated by CCB/SEPHORAVs actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage Corporation NMLS # XXXX continues to be dishonest and refuses to give us a point of contact regarding escrow errors. They provided CFPB with an expired and inaccurate escrow analysis and claimed the case was closed. Its not. Ive submitted the recent, yet incorrect, escrow analysis. CFPB is seeing firsthand how incompetent and unreliable this company is. Please see the attached file- they outright lied in a public forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). I need them to delete and block these inaccurate accounts from reflecting on my 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 2025-07-01 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: ME

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation