vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
This is in reference to a Robinhood XXXX XXXX card. i have a credit limit of {$9900.00}. i made a payment of {$4600.00} which was the entire balance due at the time. the bank account that was tied to the visa to make the payment, Robinhood could not locate because the XXXX vendor they utilize did not connect it properly. so, when i was informed of this returned payment, i made another payment of {$5600.00} which consisted of the prior balance of {$4600.00} plus some other charges which would bring the account back to a XXXX balance. After making this {$5600.00} payment, Robinhood puts my card on hold, zeroes out my available credit, charged me fees and claims i went over limit. after pushing back and asking how i went over limit when my balance was {$5600.00} and my limit is {$9900.00}, and this math isnt logical, i was told by Robinhood that they ADDED the {$5600.00} payment to the {$4600.00} instead of applying the payment to reduce my balance thus pushing the account over limit. i dont know how this makes any sense. is this legal? can credit card companies add payment to a balance to push the balance up and then charge us fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NM

Complaint narrative:
I am requesting that you conduct a thorough investigation under your obligations pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to determine whether this account is being reported accurately and lawfully. 

I am challenging this charge-off account based on XXXX or more of the following reasons : The account is inaccurate, incomplete, or misleading in the way it is reported. 

I have not been provided with sufficient verification or documentation from the original creditor that substantiates the debt, the amount, and the legal basis for the charge-off. 

There is no signed agreement or admissible proof tying me to the account under the terms currently being reported. 

The account may be obsolete, re-aged, or improperly updated in violation of FCRA guidelines. 

The reporting of this account may be a result of identity theft, fraud, or clerical error. 

Under the FCRA, any account that can not be verified through documentation from the original creditor or debt owner must be deleted from the credit file. I hereby demand that, unless the charge-off can be fully validated with complete documentationincluding the original signed contract and a full payment historyyou remove this entry from my credit report 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 2025-09-26 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 dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any application for credit, services, or employment that would lawfully permit them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for a permissible purpose and with proper authorization.

According to FCRA 604 ( 15 U.S.C. 1681b ), a hard inquiry requires either : A consumer 's express written authorization, or A permissible purpose related to an application for credit, insurance, employment, or similar transactions initiated by the consumer. 

I did not authorize any of the inquiries listed above, nor was there any permissible purpose to justify them. As such, these inquiries represent a violation of my consumer rights, and XXXX be indicative of identity theft, unauthorized access, or furnisher error.

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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX, Westlake Financial have reposed my vehicle. I called the bank knowing of the repossession and wanted to know the payment options given to obtain the vehicle back. On XX/XX/year>, I was told by the bank the amount needing to pay was {$1400.00} and I made the payment for the vehicle to be release. I was told to wait for XXXX days to know the status of the car and I called and was told the car was sold. I called again and was told the car is in their possession and I asked for the release form for myself to pick the vehicle and told it was faxed to the repo company and havent heard anything again from this. I called the company XXXX XXXX XXXX and was told the vehicle is not in their possession as it is at the auction lot. I was told to call the bank as they know where the vehicle is and once I called Westlake they automatically keep hanging the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

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 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 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  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 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 2025-09-26 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and that my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts & addresses have been opened in my name, and inaccurate information has been added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute of fraudulent accounts that have appeared on my credit report. I did not open, authorize, or consent to these accounts, and their inclusion is a clear inaccuracy. Such entries misrepresent my identity and financial history, resulting in serious harm to the integrity of my credit file.

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 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The debt being reported is not mine. Per my XXXX XXXX XXXX ( page 5 ), my ex-spouse is solely responsible for this apartment lease debt. I vacated the unit on XX/XX/year>, and I can provide proof of residence elsewhere. Please remove this debt and related negative reporting from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I have no connection to these accounts and believe they are fraudulent. Please conduct a thorough investigation and promptly remove them from my credit report. Relevant documents are attached.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Identity Theft Block Request FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to demand compliance with my previously submitted identity theft block request ( reference # : XXXX ) under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

On XX/XX/year>, I provided Experian with : A valid Identity Theft Report ( FTC report + police incident report ). 

Proof of my identity. 

Written notice identifying the fraudulent account ( XXXX XXXX XXXX ). 

Under 605B ( a ) ( 1 ), Experian is required to block the reporting of this information within 4 business days of receipt. 

As of today, Experian has failed to block the account and instead indicated my request was denied for unspecified internal reasons. This response does not satisfy your legal obligations under 605B ( c ), which provides only four possible exceptions for refusing to block information : The block request was made fraudulently.

The consumer materially misrepresented facts in their identity theft report.

The consumer failed to provide sufficient information to verify their identity.

The disputed information resulted from a transaction the consumer participated in.

If Experian believes any of these exceptions apply, you are required to provide me with written notice within 5 business days stating : Which specific exception under 605B ( c ) you are invoking, and The evidence you relied upon in making this determination.

At this time, Experian has failed to provide such notice for over 7 weeks. If you continue to report this fraudulent account without either ( a ) blocking it under 605B ( a ) ( 1 ), or ( b ) providing proper written notice under 605B ( c ), you will be in violation of the FCRA.

Accordingly, I demand that Experian : Immediately block the fraudulent account ( s ) under 605B ( a ) ( 1 ), OR Provide, in writing, the specific statutory exception under 605B ( c ) you are relying upon and the documentary evidence supporting that determination.

If Experian fails to comply within 15 days of receipt of this letter, I will pursue all remedies available under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, costs, and attorneys fees. I will also escalate this matter to the CFPB, the FTC, and my state Attorney General.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ).

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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I have a vehicle loan with XXXX XXXX XXXX. It's a XXXX XXXX  XXXX with about XXXX miles. The loan pays $ XXXX  monthly and they only use less than 50 % of that payment to the principal. They denied to refinance for a lower interest rate and after 3 years of payment I have only paid off about XXXX out of XXXX. They are messing up my credit and I can not refinance with another company. I need to get rid of them and submit the complaint for deceptive information, lack of communication and balloon loan agreement. They also don't allowed me to pay some of the principal loan over the phone, they pass me around on an endless circle phone calls, they don't let me allocate to my principal and every payment method charges a fee.

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 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed XXXX disputes for fraud due to my card being stolen it has been a month and chime keeps denying my claims even though I have them sufficient evidence and have talked to multiple supervisors and have been told a temporary credit will be disbursed on a specific date but when that day gets close they deny the claim and dont give me my money back. Ive tried closing the account and they wont let me nor will they give me my money back and the money that was taken was for my classes Im a student here in XXXX  and Im late on paying for my classes and could be dropped this has been going on for to long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Please verify or remove immediately the following accounts National Credit Adjusters XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
THIS IS REPORTING NEGATIVE INFORMATION AND I WANT THIS REMOVED OR UPDATE ANY NEGATIVE INFORMATION THAT YOU ARE REPORTING, THIS IS ALREADY SATISFIED AND THIS IS AN ACCOUNT WHICH THE BALANCE WAS BROUGHT DOWN TO XXXX. THIS SHOULD BE REFLECTING PAYMENT MET OR BALANCE SATISFIED.

IM TIRED OF TRYING TO GET THIS DONE WOITH THE CREDIT BUREAUS. I NEED HELP FOR THEM TO UPDATE THIS ACCOUNT AND REMOVE ANY INFORMATION NEGATIVELY REPORTING

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 2025-09-26 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: WA

Complaint narrative:
THIS IS REPORTING NEGATIVE INFORMATION AND I WANT THIS REMOVED OR UPDATE ANY NEGATIVE INFORMATION THAT YOU ARE REPORTING, THIS IS ALREADY SATISFIED AND THIS IS AN ACCOUNT WHICH THE BALANCE WAS BROUGHT DOWN TO XXXX. THIS SHOULD BE REFLECTING PAYMENT MET OR BALANCE SATISFIED.

IM TIRED OF TRYING TO GET THIS DONE WOITH THE CREDIT BUREAUS. I NEED HELP FOR THEM TO UPDATE THIS ACCOUNT AND REMOVE ANY INFORMATION NEGATIVELY REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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