vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
TransUnion, equifax and Experian. Were notfied that XXXX XXXX removed all the bankruptcies that reporting not minds. TransUnion is not doing whats right. They keep making me. Dispute same problem. 

Experian removed all but one. Equifax i can not see me credit report at all been asking them for two years to fix problem

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
TransUnion, equifax and Experian. Were notfied that XXXX XXXX removed all the bankruptcies that reporting not minds. TransUnion is not doing whats right. They keep making me. Dispute same problem. 

Experian removed all but one. Equifax i can not see me credit report at all been asking them for two years to fix problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
inaccurate information reported, all XXXX credit agency have different information, please delete from credit report if unverifiable according to my consumer righXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX for restricting access to {$20000.00} in my account without proper explanation or resolution. 

On XX/XX/year>, I attempted to transfer {$20000.00} from my Robinhood account to XXXX. After three failed attempts, my account was restricted, and since then, I have been unable to access, trade, or transfer my funds. 

I have repeatedly contacted Robinhood support to resolve the issue, but I have not received a clear explanation regarding the reason for the restriction or a specific timeline for when my funds will be accessible. The lack of communication and continued restriction of my account is causing significant financial stress and concern. 

Details of the Complaint : Amount Held : {$20000.00} Date of Restriction : XX/XX/year> Attempted Action : Transfer to Coinbase Impact : Inability to access, trade, or transfer funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding the abrupt and unexplained closure of my PayPal Cashback Mastercard account, and the subsequent forfeiture of my accumulated cashback rewards. 

My account was closed without any prior notice or explanation, despite my consistent history of making all required payments on time and maintaining my account in good standing. Furthermore, the cashback rewards I earned through responsible card usage were withheld following the closure, which I believe to be both unfair and unacceptable. 

I have reviewed the terms and conditions of the PayPal Cashback Mastercard program and found no justification for this action, especially given that there has been no indication of any violation on my part. I have not received any communication from PayPal or Synchrony Bank explaining the reason for the account closure or providing an opportunity to appeal or resolve the issue.

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 2025-05-13 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: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am formally asserting my rights as a consumer under federal law to dispute and demand the removal of inaccurate and unverifiable accounts reported on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am demanding the immediate investigation and deletion of the following accounts currently listed on my credit report, which I assert are either inaccurate, incomplete, unverified, or reported without proper validation.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The continued reporting of such accounts without proper investigation or supporting documentation constitutes a willful violation of federal law. Additionally, according to 15 U.S.C. 1692c ( c ), I have the right to request that collection activity cease unless proper validation is provided.

Therefore, I demand the following : 1. Immediate removal of all disputed accounts from my credit reports across all bureaus ( Experian, Equifax, TransUnion ).

2. Full validation and verification of each account, including original signed contracts and chain of custody of debt ownership ( not merely statements or internal records ).

3. If validation can not be provided within 30 days, as required under the FCRA, the accounts must be permanently deleted.

4. Confirmation in writing that these accounts have been removed or, alternatively, all supporting documentation that proves their accuracy and ownership.

Be advised that failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office.

This letter serves as formal notification of a dispute and a request for investigation under the FCRA. Please provide a written response to this dispute, along with the results of your investigation, within the legally mandated 30-day period. 

Sincerely, 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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint regarding the handling of my federal student loan account from my school in XXXX. My wages were garnished for several years to repay the debt. On XX/XX/XXXX, I received a letter from the Department of Education stating a remaining balance but it did not inform me of how much. However, when I contacted the servicer per the number provided, they were unable to locate any account associated with my Social Security number. They opened a case to investigate, but I was never contacted again. 

This week, my credit score dropped over XXXX points due to a new delinquent student loan account being reported. I received no prior notice, no explanation, and no billing or payment information about this account beyond my initial XX/XX/XXXX letter and phone call. I was also given no opportunity to resolve the matter before the negative credit report entry. 

This conduct is misleading, and potentially violates the Fair Credit Reporting Act and other federal guidelines regarding due process, notification, and dispute resolution. 

I am requesting the following : -A full investigation into how this debt was handled. 
-The immediate removal of the delinquent entry from my credit reports. 
-Documentation of all communications, balances, garnishments, and transactions on this loan. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Let me first start by saying the CFPB should update the question section : many of the options do not apply and should state XXXX to avoided conflict : Mr. Cooper XXXX XXXX please see attached document and complaint : As a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There was recently a national data breach and all of my personal information was compromised. 

I have no knowledge of these accounts and never did any business or any contracts with them I would like this Account blocked/removed from my report. 

12 CFR 1022.3 Anything added to your report without your written consent could be considered Identity theft This is considered identity theft and I would like to have these accounts removed.These companies are in violation Coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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, 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 explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I check my CHASE Checking Account daily. Today, XX/XX/year>, I checked my account and discovered that {$24000.00} was permitted to be withdrawn from my checking account without my authorization. I never received any fraud alert, etc. from CHASE asking me to approve or decline the transfer. I immediately went to a local CHASE bank whereby I was informed that I had been " hacked '' by individuals in XXXX and XXXX. I demanded an immediate return of the funds whereby CHASE said that they'd need up to 10 days to investigate. This is unacceptable and should have never happened in the first place. I should've, at least, received a call from CHASE before ANY money was transferred, yet alone almost {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-05-13 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 recently reviewed a copy of my credit report and notice I had a fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: The Bureaus, Inc.
State: FL

Complaint narrative:
The Bureaus is reporting a XXXX XXXX XXXX  collection account that was opened nearly 9 years ago. This violates the Fair Credit Reporting Act ( FCRA 605 ( a ) ), which limits negative reporting to 7 years from the date of first delinquency. This debt is too old to be reported. Additionally, the account is listed under the legal fiction name XXXX XXXX XXXX XXXX, which is not the living man. Ive disputed this account with the credit bureaus, and it remains uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My account was closed by PNC bank checking hole I was having work checks go in I never got my last check for XXXX and they gave me a third party number and wouldnt tell me why my account was closed my employer said my check was deposited bank said never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous & Associates is attempting to collect {$270.00} on a XXXX XXXX debt that I never lawfully agreed to. I did not sign a contract or authorize ongoing billing. I tried to cancel, but XXXX made it difficult. Then the debt was assigned to Aldous without notice or validation. I also dispute this account being reported under the legal fiction XXXX XXXX XXXX XXXX, which is not me, the living man. No verification or itemized breakdown was provided despite dispute. This violates the FDCPA and FCRA. 

I formally requested that Aldous & Associates provide full validation of the alleged {$270.00} debt they claim I owe for XXXX XXXX. I asked for an itemized breakdown of the amount, a copy of the original membership contract bearing my wet-ink signature, and proof that they are legally authorized to collect on behalf of XXXX. I also requested evidence that this debt was intended for me as the living man, not for the corporate fiction XXXX XXXX XXXX XXXX. To date, they have not provided any lawful verification or contract, and are attempting to collect based on false identity and without proper legal standing. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
This is a follow-up to my previous complaints submitted to the CFPB : Case ID XXXX ( against RoundPoint Mortgage ) I am renewing my complaint regarding the mishandling of my escrow account during and after the servicing transfer of my mortgage from XXXX XXXX to RoundPoint Mortgage Servicing LLC , which resulted in the cancellation of my homeowner 's insurance coverage and left my property uninsured since XX/XX/year>. 

Despite both servicers claims, the insurance policy was not renewed. RoundPoint Mortgage has admitted in writing that they did not receive a renewal from the carrier and made no payment. XXXX states they transferred all necessary policy information but has taken no responsibility for ensuring continuity of coverage. 

Due to this failure : My homeowner 's policy lapsed without my knowledge. 

I now face significantly higher insurance premiums double the original cost due to the lapse. 

In addition, I was out of the country during the relevant period, and RoundPoint sent only a physical letter with no email notice, despite the urgent nature of insurance coverage expiration. This failed to meet reasonable standards of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Lost job and had to exit bankruptcy protections. Explained to shell point mortgage who said theyd look into it. They just put my house into foreclosure.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion, equifax and Experian. Were notfied that XXXX XXXX removed all the bankruptcies that reporting not minds. TransUnion is not doing whats right. They keep making me. Dispute same problem. 

Experian removed all but one. Equifax i can not see me credit report at all been asking them for two years to fix problem

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation