vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a fraudulent account that has been reported on my credit file. The account in question does not belong to me and was opened without my knowledge or authorization. I believe this is a clear case of identity theft.

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 2025-06-06 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 am writing to formally dispute and request the immediate removal of a fraudulent account that has been reported on my credit file. The account in question does not belong to me and was opened without my knowledge or authorization. I believe this is a clear case of identity theft.

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 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX  was taken away from my account in early XXXX. I inquired about why and the expiration date, but different associates I chatted with or email to gave conflicting information/dates. I contacted Wells Fargo bank, the issuer of the credit card ; but they asked me to contact XXXX. I presented my complaint/case to XXXX, XXXX emails to XXXX, XXXX, but they have not replied. 

Basically, I am requesting that {$480.00} in XXXX XXXX credit be restored to my account. I was not given any prior notification prior to the rewards being taken away. On XXXX instances where we tried to contact XXXX representatives, we were given conflicting information. Below are the various dates we were given during these recent chats or email interactions. 

On XX/XX/XXXX, during online chat, a representative named XXXX XXXX XXXX initially said that the credit had expired XX/XX/XXXX, but then changed the expiration date to XX/XX/XXXX. 


On XX/XX/XXXX, in an email, a representative named XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX said that " these rewards expired on XX/XX/XXXX. '' I am attaching the chat message and the email. Due to the conflicting information we were given regarding the expiration date of the {$480.00} rewards, we are under the impression that the expiration date was arbitrarily assigned. ( Otherwise why would the representatives give conflicting expiration dates? ) I am requesting that the {$480.00} credit be restored to my account.

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 2025-06-06 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: TX

Complaint narrative:
The collection account listed is completely unfamiliar to me. I have never had any interaction with this company and never authorized any debt under this name.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In reviewing my credit report, I noticed fraudulent and unauthorized accounts. I did not give consent. According to 15USC1681B, a consumer reporting agency may only furnish a consumer report under specific, lawful circumstances. I did not authorize these inquiries or account/ nor was it initiated by me. l 'm requesting verification of the permissible purpose under which my credit report is reflecting. 
Experian XXXX XXXX XXXX. XX/XX/year> Experian XXXX XXXX XXXX XXXXXX/XX/year> Please remove these 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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute and document the unjust and unlawful actions taken by Robinhood regarding my brokerage account. On XX/XX/year>, my account was suddenly restricted and access to my assets was seized without prior notice, explanation, or any form of documented concern. 

Less than XXXX hours later, on XX/XX/year>, I received an abrupt notification from your team stating that my account was permanently closed due to suspicious activity, and that my remaining funds would be transferred out within 15 days. No evidence of such alleged activity was provided. No investigation was disclosed. No request for supporting documentation or communication was made prior to or during this decision. Instead, I was simply informedvia a generic messagethat per Robinhoods internal policy, you reserve the right to close any account at will.

This action was taken arbitrarily, without justification, due process, or transparency. I want to be absolutely clear : this is not only unprofessionalit is unethical and possibly illegal. Robinhoods conduct has directly impacted my financial well-being. Like many other individual investors, this account represents my livelihood, not just a passive portfolio. 

I have filed a formal complaint with FINRA, XXXX, and SEC regarding this matter. I also intend to bring this issue to the attention of relevant financial authorities and oversight bodies. If necessary, I will retain legal counsel and pursue this matter in court. 

The silence, lack of evidence, and disproportionate response is not just disturbingit is a pattern. Robinhoods behavior here is reflective of a growing issue that continues to harm retail investors nationwide. If a major hedge fund or institutional player experienced the same treatment, your legal team would be forced to answer for it within 24 hours. Instead, you rely on the imbalance of power between corporations and individual investors, hiding behind internal policies that allow financial institutions to act with impunity.

Robinhood is currently seeking inclusion in the XXXX XXXX  XXXX, yet engages in practices that directly harm the very market participants you claim to empower. I urge you to recognize the seriousness of this situationnot just legally, but ethically and reputationally. 

I am demanding immediate transparency and documentation regarding : 1. The alleged suspicious activity that led to this account closure.

2. The name ( s ) and departments responsible for the review and decision.

3. A clear timeline for the release and full return of my funds.

This matter is not closed until I receive a full resolution. I expect a written response within five ( 5 ) business days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year>, my account was closed. And I am not able to access the funds thats In the account. I called and spoke with the representative and he told me that I would not be issued the remaining funds in the account which several hundreds of dollars. I have made several attempts to get in touch with a manager or supervisor and they told me that they were unavailable. I have documents that support my claim, if needed. That can be submitted upon request. I have no other alternatives to reach out to chime inc. to recover the remaining funds in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 
2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

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, please provide XXXX XXXX XXXX XXXX with receipt displaying XXXX XXXX  If not, please delete account XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
I want to emphasize that this complaint is not submitted in error. My credit report contains information that does not meet the required standard of maximum possible accuracy. These inaccuracies are placing a significant burden on me and continue to negatively impact my life. I respectfully request that these issues be thoroughly reviewed and corrected or removed as appropriate.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Several companies have accessed my credit report without authorization, harming my credit and score. Despite assurances from your agency, these inquiries remain. This inaction is unacceptable and raises serious concerns of identity theft. I demand an immediate investigation and the prompt removal of all unauthorized entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: AZ

Complaint narrative:
Filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing my consumer XXXX credit report which I do not recognize as reported and which are the sult of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX - Date opened XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  - Date Open XXXX XXXX XXXX Balance XXXX $ XXXX XXXX - Date Open XX/XX/XXXX Balance XXXX $ XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  - Date Open XX/XX/XXXX Balance XXXX $ XXXX XXXX  XXXX XXXX Open XX/XX/XXXX Balance XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: AZ

Complaint narrative:
Filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing my consumer XXXX credit report which I do not recognize as reported and which are the sult of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX - Date opened XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  - Date Open XXXX XXXX XXXX Balance XXXX $ XXXX XXXX - Date Open XX/XX/XXXX Balance XXXX $ XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  - Date Open XX/XX/XXXX Balance XXXX $ XXXX XXXX  XXXX XXXX Open XX/XX/XXXX Balance 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MS

Complaint narrative:
I was never notified that this account had a payment due because this account is and was in deferment at time of reporting this account as late 30, 60, 90, 120, 150 days past due/late for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I would like the loan servicer to prove the debt, prove the amount of the debt with my signature, a copy of the contract, and prove the debt status at Ed Financial reported this account as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NY

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: AZ

Complaint narrative:
My loan originated with XXXX by XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Spoke with XXXX XXXX and XXXX XXXX from SST, both were kind but the outdated technology would not allow an override to assist me. I called at XXXX  days requesting a deferral. I work for XXXX and XXXX. Upon returning from a disaster and moving into a new place, I was explained unfortunately the system would not allow it and has been greyed. That I should have called at XXXX days prior. I have been pretty good with no late payments and XXXX payments shy of completing my loan. I must say this puts me in a bit of a pickle and due to this, I wouldnt consider SST as a company that would be willing to assist this month with my request like XXXX by XXXX XXXX would be. I will be sure to let my friends and family know. I will also contact XXXX by XXXX to inquire about why they were willing to do business with a company who could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
i purchased my house XXXX from XXXX Mortgage XXXX XXXX FHA XXXX for {$72000.00} term of XXXX years of mortgage payments i wanted to apply for a home XXXX loan to do XXXX and remodel on home. as i tried to contact XXXX mortgage to completed the process they refuse to help me always stated my credit scores is XXXX XXXX XXXX, so i started working on credit scores from XXXX XXXX XXXX XXXXXXXX XXXX also i am a XXXX XXXX XXXX member who tried to get a reverse mortgage for a XXXX XXXXXXXX which i am eligible with XXXX XXXX XXXX. XXXX Mortgage has been giving me a lot of problems with their service provide and other issue without helping customer like me to be able to refinance or anything to relief XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief