vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : Whom May It Concern I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation the completeness and accuracy of the list of accounts below and deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Monday, XXXX my baby mom went to Regions bank to deposit {$560.00} and the first time she tried to deposit it said wrong pin tried again and the money got stuck in the atm machine and wouldn't let her get it so it gave her a receipt saying to contact the bank..

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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint against Robinhood Markets , Inc., regarding their handling of cryptocurrency deposits. On XX/XX/year>, I transferred XXXX XXXX  from my XXXX account to my Robinhood account but mistakenly omitted the required memo/tag. The transaction successfully reached Robinhoods wallet ( confirmed on the blockchain ), but the funds were not credited to my account. Robinhood support informed me that their policy prohibits manually crediting XXXX deposits missing a memo. Their only remedy is to return such deposits to the originating wallet, and they can not attach a memo/tag to the return transfer. I then confirmed with XXXX support that their system requires a memo/tag on all inbound deposits. If a transfer arrives without one, XXXX can not credit the funds to my account under any circumstances. This results in Robinhood having custody of my XXXX but refusing to credit it to me. Robinhood can only return it in a format that XXXX can not accept, but XXXX can not apply the return without a memo. Robinhoods policy, combined with XXXX system design, leaves customers at risk of total fund loss from a single missing memo a common and foreseeable user mistake. Supporting documentation, including transaction hashes, email transcripts, and screenshots, can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Ed Financial made an error in applying a double payment when only a single autopay payment should have been applied. I was only charged for the normal payment, however Ed Financial has since made multiple accounting errors that they have yet to fix on loans. In the XX/XX/XXXX statement ( which was bizarrely issued XXXX week earlier than the normal statement date ), there is {$1600.00} of interest that is listed as unpaid, when all loans on the account had {$0.00} in unpaid interest on the XXXX statement. The total value of interest on that XXXX statement was worth several months of interest and could not have accumulated in the intervening XXXX weeks. The unpaid principal amounts were also increased by a total of {$4300.00} in the XXXX statement compared to the XXXX statement. In total, Ed Financial added {$6000.00} to my loans between XX/XX/XXXX and XX/XX/XXXX that should not exist. Rolling back a single extra payment that they introduced into the account ( which was approximately {$1500.00} and was never actually taken from my bank account ) should not result in over {$6000.00} in extra principal/interest. There has been no communication of where this extra interest or principal came from or why it has been added to my account.

Edfinancial has also continued to collect regular payments since this error, which is now being applied to the interest they added to the loans rather than paying down principal as had been the case in previous monthly payments. In my view, this constitutes fraud and I am being stolen from, as rather than paying down principal, my payments are going toward interest that should not exist. This appears to be very similar to previous complaints I have read about the company, and what they were fined for in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXXXX/XX/XXXX, Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
This is an ongoing issue with my XXXX XXXX card allowing someone to frequently change my address and then they send my card to a fraudulent address. I did not have access to my card where I receive my ssi benefits for months and could not pay my rent causing me to be evicted. I then had to change my mailing address on approximately XX/XX/year> however, now XXXX XXXX refuses to identify me with a valid XXXX, my social security card and my birth certificate. I was sent an email on XX/XX/year> from them stating it was verified and approved and to call their number but when I did I was on hold for over XXXX hours and they finally told me that my account was still under investigation and refused to confirm the email i received saying I was verified and continued to refuse to mail out my card so im able to pay my debts they caused a few months ago. Asked to speak to a supervisor and was disconnected!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against [ Servicer Name ] regarding a wrongful foreclosure on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Loan Account No. XXXX. 

I have multiple loans with this servicer. On XXXX loan, I was already in an active trial repayment plan and making payments. Because of this, when I called to check the status of my loans, I was often given information for the trial repayment loan rather than the loan that was actually facing foreclosure. 

On Thursday XX/XX/year>, I specifically asked about the loan for this property and was told by a representative that my loan modification was in the final calculation stage with underwriting. I relied on this information and understood that while foreclosure had not been formally postponed, there was still enough time to complete the modification review before the foreclosure auction date. 

However, because of the XXXX XXXX holiday on XX/XX/XXXX, the bank did not have an extra business day to complete review before the scheduled foreclosure auction on XX/XX/XXXX. The foreclosure sale proceeded anyway, even though my modification was under active review. 

This constitutes dual tracking, which is prohibited under federal mortgage servicing rules ( 12 CFR 1024.41 ). A servicer may not move forward with a foreclosure while a borrowers complete loss mitigation application is pending. 

The servicers confusion between my multiple loans, combined with their assurances that underwriting was finalizing my modification, directly misled me about the true status of the foreclosure timeline. I reasonably relied on their statements that my application was being processed and that the review would be completed before the auction date. 

I am requesting that the CFPB require the servicer to : Provide a full explanation of why foreclosure proceeded while a modification review was ongoing ; Produce all servicing notes, call recordings, and internal communications regarding my applications ; Remedy this wrongful foreclosure, including rescinding the sale if possible. 

This foreclosure has caused severe harm to me and to the individuals living in the property under an owner-finance agreement, who now face losing their home through no fault of their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Complaint Summary My bank reduced my credit card limit by 50 % today without providing the required written adverse action notice under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Fair Credit Reporting Act ( FCRA ). 

Complaint XXXX XXXX XX/XX/year>, I discovered that my credit limit had been reduced by half. 

I did not receive any written adverse action notice by mail or electronically. 

When I called the bank to ask for the reason, the representative stated : we sent it yesterday. Since the reduction only occurred today, this response was inaccurate and evasive. I have still not received any notice. 

The representative also told me the reduction was due to something on your credit report, but when I requested a review, I was only asked : is there something wrong on the credit report? This placed the burden on me instead of fulfilling their legal obligation to disclose the specific reasons for the adverse action. 

The bank has therefore failed to provide : The principal reasons for the credit limit decrease. 

The name and contact information of the credit bureau used. 

My rights to obtain a free credit report if XXXX was used. 

This lack of notice and documentation appears to violate XXXX and FCRA requirements. 

Harm/ Impact Cutting my limit without notice has increased my credit utilization ratio, which can negatively affect my XXXX XXXX. 

The lack of transparency has caused immediate financial uncertainty and disrupted my ability to responsibly manage my account. 

The refusal to provide a proper adverse action notice has denied me my legal right to understand and, if needed, dispute the basis for their decision. 

Requested XXXX Provide me with the official adverse action notice immediately, as required by law. 

Identify whether my credit report was used and, if so, which bureau provided the information. 

Confirm the specific reasons for the reduction. 

Ensure the bank is held accountable for failing to meet adverse action notice requirements under XXXX. 

Supporting Information Date of incident : XX/XX/year>. 

Credit limit reduction amount : approximately 50 %. 

Verbatim statements from the bank : We sent it yesterday. 

It was something on your credit report. 

Is there something wrong on the credit report? 

No adverse action notice has been received as of the date of this filing.

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 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently graduated from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am part of the last graduating class due to the school closing operations after this last semester which ended XX/XX/XXXX. I started the program in XXXX, and I did not have any problems with financial aid department until recently. When applying for financial aid for XXXX I got approved for Unsubsidized XXXX XXXX XXXX XXXX as Grad Plus Graduate Loan. Due to this college being a private accelerated program there are XXXX semesters per year : XXXX, XXXX, and XXXX. I normally received my financial aid return for XXXX  XXXX of {$2900.00} for the XXXX. XXXX loan ( XXXX ) as well as my first installment of the Grad Plus Loan ( XXXXTransunion XXXX which was a little over {$7000.00} ( I was approved for {$15000.00} in total for the Grad Plus Loan ). When it was time for financial aid disbursement for XXXX XXXX, I did not receive my XXXX. XXXX Loan ( {$2900.00} ) or my second installment of the Grad Plus Loan ( the other {$7000.00} ) even though I received correspondence from XXXX, XXXX XXXX and an email from the school itself acknowledging and confirming the receival of the funding for XXXX  XXXX. Even though I provided proof to the school 's financial aid department I was told that no funds were sent to the school for XXXX  XXXX ; therefore, I should wait to receive the financial aid for XXXX  XXXX by the end of my last semester ( XXXX XXXX ). Not only did I not receive my XXXX XXXX financial aid, but I also did not receive my XXXX XXXX financial aid. After calling the department of education and letting them know my situation I was advised to file a complaint through the financial aid feedback center. I already filed a complaint through the financial aid feedback center on XX/XX/XXXX but they have still not come up with any solution or results. I have already requested to escalate my compliant to the Ombudsman XXXX but due to the contradictory information given to me by the financial aid representative through phone calls ( today XX/XX/XXXX ) that does not match with what is written in my actual student portal account and the XXXX XXXX proof of documentation that I have I am wary I will be able to resolve the issue through their dispute/resolution center.

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 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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