vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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:
I deposited {$1000.00} into Robinhood using a debit card on XX/XX/XXXX. After confirming ownership of the debit card via test transaction, the transaction was processed and {$1000.00} of USDC was purchased. 

Immediately after taking my money, Robinhood placed a restriction on my account that prohibits all activity including sending, selling, etc.

Initially, Robinhood stated that my account review would be completed on XX/XX/XXXX. On XX/XX/XXXX, they then stated that the review would be completed XX/XX/XXXX. On XX/XX/XXXX, they then stated that the review would be completed XX/XX/XXXX. On XX/XX/XXXX, they then stated that the review would be completed XX/XX/XXXX. Today, XX/XX/XXXX, they now state that the review will be completed XX/XX/XXXX. 

I have attempted to contact Robinhood multiple times throughout this process. Note that their customer service is non-existent. Three times I have been placed in a queue to receive a support phone call, and three times I did not receive a phone call. In addition, I have attempted to communicate with them three times via email, either to receive no response or to be told that " we're still reviewing your account '' and providing zero timeframe.

Robinhood is holding my {$1000.00} wrongly with no clear date provided as to when the hold will be released, and continually extending said hold. They provide zero customer service.

Please note that my account is already fully verified including by drivers license and picture.

I have attached screenshots showing the continued pattern of delaying the date of review with zero information provided by customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
The item below should be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. This inquiry was not authorized FIRST HELP FINANCIAL Date of inquiry : XXXX  Please remove it from my credit report. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent letters to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I NEVER HAD ACCOUNTS WITH THE CREDITORS AND YOUR INFORMATION HAS BEEN ACCESSED ILLEGALLY

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CPFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that revoking lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XX/XX/2025 Experian Information Solutions Inc . 
Dispute Department XXXX XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FRCA ) 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experianss investigations. Specifically in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer proception laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) for {$200.00}. XXXX XXXX XXXX balance of {$7000.00} C/o XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX ) XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delet any information that can not be verified or is inaccurate as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and purse any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been unable to view my Equifax credit report or file a dispute due to seeing inaccurate information on my account. Equifax is refusing to give me access to my credit report since XXXXXXXX XXXX XXXX  and my credit score since XXXXXXXX XXXX XXXX When I contacted them they told my I would have to mail a copy of ID, social security card and proof of address to unlock my account even though I am already a victim of Identity Theft. They told me a secured portal upload or email was not an option and US mail is not secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters.

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
XXXX XXXX with Caine & Weiner attempted to contact me in XXXX about a vendor that I used for my business. This was never a personal contract, I had a business agreement with the vendor. XXXX failed to verify the debt or provide any paperwork proving that my company owed money to the vendor. After I asked for verification XXXX stopped replying. I have not heard from Caine & Weiner since XXXX 
Today I got an alert saying that they filed a report against my personal credit, which has nothing to do with the business agreement in the first place. 
They never notified me about anything or sent any debt verification. I am reaching out to XXXX directly to dispute this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 on my XXXXXXXX XXXX account [ XXXX ]. 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 non-monetary relief
Consumer complaint received 2025-01-24 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: WI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an error, I had 60 days late notice on an account that was paid on time. Consumer reporting agencies Need to report all information with complete accuracy. this account has not been late. Ive attached a copy of my report to this complaint. XX/XX/year> I am now requesting you investigate and provide Verifiable proof And records showing that I had late payments. If they can not verify, I was late I demand. These payments be updated. And paid on time immediately thank you For your understanding.

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 2025-01-24 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an error, I had 60 days late notice on an account that was paid on time. Consumer reporting agencies Need to report all information with complete accuracy. this account has not been late. Ive attached a copy of my report to this complaint. XX/XX/2025 I am now requesting you investigate and provide Verifiable proof And records showing that I had late payments. If they can not verify, I was late I demand. These payments be updated. And paid on time immediately thank you For your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
the company has increased the amount of Escrow Account payments even i paid the home insurance for the rest of this year XXXX and I requested many times since XX/XX/XXXX to close Escrow account but they denied. 
My payment in XXXX as follow 1 -Escrow ( XXXX ) 2 -principle and interest are ( XXXX ) now needs increase the escrow account to ( XXXX ). 
that's why ask them to remove my screws account so i can pay it by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: WV

Complaint narrative:
I was having difficulty getting money sent to me on Cash App so I looked on the Internet for a number for Cash App customer service. Therefore I called that number and a man identified himself as Cash App and directed me through step to rectify the problem. As he was doing this, he made it look as if I was sending money ( {$900.00} ) to someone as a text. I was sending it to him as a result.

I notified my bank and my Attorney Generals Office and they checked with Cash App and was told that I gave them permission. The money wasnt even sent to the person in my test. 

I never received my money. I am a widow and I live on a fixed income and this was a great burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: WY

Complaint narrative:
I received a notice from TD Auto Finance ( XXXX XXXX XXXX, XXXX XXXX ) that my payment was due by XX/XX/XXXX of {$390.00}. However, TD Auto Finance did NOT send me a XX/XX/XXXX statement, and I had already made a payment by my no. XXXX for {$750.00} on XX/XX/XXXX. My records show the check was cashed by TD Auto Finance but they have thus far FAILED to apologize for the missed statement nor have they updated my account. I found their on-line website impossible to use as they demand social security number to access their portal. I have NOT received any written confirmation that my account has been updated. I normally pay more than the minimum, and in fact have paid down the owed amount much faster than the usual TD Auto Finance customer. I am requesting that TD Auto Finance apologize for their heavy handed letter, and provide a written confirmation that my account has been updated. 

I reserve the right to litigate should any derogatory information be forwarded to any credit reporting agency.

Company response to consumer: Closed with explanation