vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized transaction that occurred on my Robinhood account on XX/XX/year>. On that date, my entire position in XXXX XXXX XXXX ( ticker : XXXX  ) was sold at a price of {$0.00} per share. This sale was executed without my authorization and contrary to my explicit intent. 

To be clear : I had entered an order to sell only a portion of my XXXX holdingsapproximately {$3000.00} worth. I did not approve, initiate, or confirm any action to liquidate my entire position. The sale of all shares was a clear platform error or system glitch. Upon discovery, I immediately contacted Robinhood support, who acknowledged the situation and stated it would be investigated. 

The following day, XX/XX/year>, the stocks price XXXX significantly, compounding my financial loss due to the unauthorized sale. Despite my timely report and request for immediate reversal, Robinhood has since refused to take corrective action. 

This situation represents a serious breach of fiduciary duty and potential violation of FINRA and SEC rules governing customer order handling and platform integrity. If Robinhood fails to rectify the unauthorized transaction and reinstate my position or offer fair compensation, I will proceed with legal action and regulatory escalation.

To date, I have submitted formal complaints to the SEC, FINRA, and will file with the CFPB if no action is taken immediately. I now request a written response from your legal or compliance team within 3 business days, outlining Robinhoods position and proposed resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WA

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 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 2025-05-06 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: WA

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
ON MY CREDIT REPORT I DISCOVER RESURGENT/LVNY FUNDING INNACURETLY SEND MY CREDIT REPORT TO XXXX  AND I WANT TO DISPUTE IT, SINCE ALREDAY DISPUTE IT WITH XXXX  AND XXXX WAS DONE POSITIVELY. HOWEVER, I FELT THAT I SHOULD REPORT IT TO CFPB FOR FURTHER INVESTIGATION REGARDING THAT FLAGRANT UNFAIRLY TREATMENT FROM XXXX  THAT ALLOWED THIS COMPANY TO INVADE MY CREDIT REPORT WITHOUT PROPER INVESTIGATION. I AM REQUESTING THAT COMPANY PROPERLY VALIDATE THIS DEBT BY PROPERLY SUBMIT TO ME IN WRITTING : XXXX XXXX THE ORIGINAL CONTRACT THAT I COMPLETE WITH THEM. 
XXXX. FLOW AGREEMENT OF THE LOAN APPLICATION. 
XXXX. VERIFICATION OF TRANSFERING ASSIGNMENT OF THE LOAN. 
HOWEVER THIS DEBT COMPANY IS INNACURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The loan balance never decreases on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OK

Complaint narrative:
Equifax is currently reporting inaccurate late payment data associated with the following accounts : 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  These accounts all show past due balances of XXXX XXXXtherefore, the designation of any of them as " late '' is illogical and false. Despite this, Equifax continues to keep these false derogatory entries on my credit file. This creates an artificially negative impression of my payment history and causes undue damage to my credit standing. Equifaxs mishandling of this datalikely worsened by vulnerabilities stemming from a data breachis unacceptable. Their ongoing failure to correct these misrepresentations after being notified is a flagrant disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was charged off as of XXXX XXXX XXXXXXXX XXXX  Since that time, the account has been continuously updated each month as charged off, falsely suggesting ongoing delinquency and activity. This form of updating constitutes an illegal re-aging of the debt and misrepresents the accurate status of the account. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( a ) ( 2 ), credit reporting agencies and furnishers are prohibited from re-aging accounts or reporting inaccurate dates that can alter the obsolescence period of a tradeline. A charge-off should reflect a static event, and any continued monthly payment history updates as charged off mislead the credit reporting process and unfairly extend the statute of limitations, both for reporting and collection purposes. Also, this violates Metro 2 Guidelines by misuse of payment codes.

Furthermore, your failure to re-investigation properly and your neglect is a direct violation of my rights under federal law. I am demanding the immediate deletion of this account Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/year> booked a flight via XXXX XXXX. Their website had an offering that I would get a {$500.00} credit if I opened an American Express XXXX XXXX account. Applied, was approved and purchased the tickets with the new card. Upon checkout, the credit didn't appear - called XXXX and was assured the credit would appear on the first AMEX statement. It did not. Got two follow up calls from XXXX agents assuring me the credit would be forthcoming. It was not. Opened a dispute with AMEX. Was informed that the offering I responded to was not available at the time I purchased the tickets. During a chat with AMEX agents today, was informed that the promotions on the XXXX website 'changed hourly ' and neither XXXX XXXX AMEX have been able to provide a screenshot of the webpage. I have invested hours on the phone with both companies - XXXX says it's AMEX 's issue, AMEX says it's XXXX 's. Could use some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I'm not having problems with paying or anything there just wasn't a choice to choose for my issue. I've asked for a copy of my mortgage agreement which outlines the terms of the loan agreement between borrower and lender. All they've sent me is a copy of the note and closing disclosure and that wasn't what I need. They act like they don't know what I'm talking about when I say " mortgage agreement ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/scrub>XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$24000.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66.00} I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-05-06 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. 
Enclosed you will find a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim. As stated under 15 U.S.C. 1681c-2, once a valid identity theft report is submitted, credit reporting agencies are required to block the identified information within four ( 4 ) business days. 
I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
These fraudulent inquiries are affecting my credit and my plans to buy a home for my family. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
Unauthorized Inquiries in Question 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 Basis for Dispute - Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. - Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. - Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports.

These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required : I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was customer of Bank of America for almost XXXX  years, with some products as credit cards, checking accounts, car loan e.t.c. However, I make a lot complaints about how the BoA take care of my financial products. After a several mistake from the bank and their products, I finally take the decision to cancel ALL my financial products with this bank on XX/XX/year>, at this time I had 2 checking accounts and 2 credit cards as well. 
One of my checking accounts and one of my credit cards were cancelled. However, my second checking account and my second credit card keep open or activated with some debit and balance on it. The bank never closes those products or take the money off from my account to pay this with credit card and after XXXX periods XXXX, XXXX, XXXX they send a really bad credit report to all companies as XXXX XXXX and XXXX  as " XXXX XXXX " report. That killed my credit life and broke my projects to be co-signer on my daughter student loan. I have several financial reports from another important companies with the Exceptional rate, as XXXX, XXXX, XXXX, XXXX, XXXX bank, even with BoA with another products. 
Please help me to fix this issue and try to delete this hard report from my records. 

Thanks in advance.

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 2025-05-06 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
Subject : Forgiven Loan Refund Not Issued by MOHELA Urgent Request for Resolution Borrower Name : XXXX XXXX Loan Servicer : MOHELA Account Number : XXXX I am contacting you because MOHELA has failed to process a refund for my overpaid balance following full forgiveness of my loans under the PSLF/TEPSLF program. 

I received a forgiveness letter from MOHELA dated XX/XX/XXXX, stating that both of my loans ( totaling {$160000.00} ) were forgiven as of XX/XX/XXXX. The letter also reflects an overpayment credit of {$3400.00}, yet no refund has been issued to date. 

I have attempted to contact MOHELA multiple times, including a call on [ insert todays date ], during which I was on hold for 4 hours without resolution. I also can not retrieve a digital copy of my forgiveness letter through their website, and my account shows no refund activity.

I respectfully request immediate assistance in : 1. Securing my full refund of the credit balance ( {$3400.00} ) 2. Ensuring MOHELA provides an official digital copy of my forgiveness letter 3. Verifying that my credit reports reflect a XXXX  balance I am if your system allows it attaching the official forgiveness letter from MOHELA as evidence. 

Thank you for your help resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WA

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