vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NY

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 Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint because Robinhood has closed my account and has been withholding my funds for months, despite my repeated compliance with their requests and constant attempts to resolve the matter.

Robinhood sent me the following response ( dated XX/XX/2025 ) regarding my funds : On XX/XX/2025, due to unusual activity on your Robinhood account, a temporary security restriction was placed On XX/XX/2025 a decision was made by Robinhood to no longer support your account As of XX/XX/2025, our firm has been unable to confirm the legitimacy of the remaining funds The funds remaining in your Robinhood account are ineligible to be withdrawn, as the legitimacy can not be confirmed.

I find this explanation completely unacceptable for several reasons : 1 I fully complied with Robinhoods requests. I promptly provided every document they asked for, including valid ID and live selfie verification. Despite this, they continue to claim they can not confirm legitimacy without providing me with any detail on what is supposedly in question or how I can resolve it.

2 They refuse to provide a clear path forward. Each time I reach out, I receive generic responses with no meaningful instructions or resolution. Their XX/XX/XXXXt email does not tell me how I can confirm the funds, nor does it explain what evidence is missing.

3 They are unfairly holding my money. Robinhood acknowledges that the funds are mine, yet they refuse to release them, effectively freezing my assets without due process. This has been ongoing since XXXX, and they are still holding my funds months later. 
4 They are hiding behind vague claims. Their language about unusual activity and inability to confirm legitimacy is deliberately vague, unsupported by facts, and feels like a tactic to delay or prevent customers from withdrawing their money.

I am extremely frustrated. Robinhood closed my account without justification, demanded verification ( which I completed ), and now refuses to return my money with no clear explanation or remedy. I have done everything asked of me, yet my funds remain trapped.

I am requesting that the CFPB intervene to ensure Robinhood : Immediately releases my funds, or Provides a clear, specific, and fair process by which I can resolve any remaining issues.

Right now, their conduct feels like they are intentionally obstructing customers from accessing their money, which I believe is both unfair and abusive.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am a SoFi Bank customer. My account was debited for multiple unauthorized XXXX XXXX transactions totaling over {$10000.00}. Examples include : {$4000.00} Transaction # XXXX {$1000.00} Transaction # XXXX {$1500.00} Transaction # XXXX I filed a dispute with SoFi Bank promptly. SoFi initially accepted my dispute but later demanded additional information that I can not provide. XXXX XXXX has told me ( and I have a screenshot to prove it ) that they are already communicating directly with SoFi and will not give me any further documentation.

This leaves me in an impossible position where my bank is asking me for information the merchant will not release to me. Meanwhile, I have not received a provisional credit or resolution for these unauthorized transactions.

Laws/regulations involved : The Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and its implementing Regulation E ( 12 C.F.R. Part 1005 ) require financial institutions to : Investigate reports of unauthorized electronic fund transfers promptly ; Provide provisional credit within 10 business days of the report unless an extension is properly justified ; Provide written
explanations of findings.

My deposits are also FDIC-insured, which reinforces SoFis obligation to safeguard my funds.

What I have done : I provided SoFi with all information in my possession. I also contacted XXXX XXXX, but they confirmed they are already in contact with SoFi and can not give me more. I attached a screenshot of this communication to my dispute.

What I want : Immediate compliance with the Electronic Fund Transfer Act/Regulation E, including provisional credit and a full investigation of these unauthorized transfers ; A clear, written explanation from SoFi of what additional information ( if any ) is needed and why ; Assurance that I will not be held liable for fraudulent transactions on my account.

Attachments available : Screenshot of XXXX XXXX statement showing they are in contact with SoFi but can not provide me with more information.

List of disputed transactions and dollar amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LA

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-09-15 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: MO

Complaint narrative:
I requested that the company provide verification and documentation of the accounts and/or inquiries reporting on my credit file. Specifically, I asked for proof of a signed contract, complete payment history, and evidence that the company has a legal right to report or collect this account, as required under the Fair Credit Reporting Act ( FCRA ). I also requested proof of permissible purpose for hard inquiries appearing on my credit report.

The company failed to provide this information. Instead, they either ignored my request or sent a generic response that did not include the original signed agreement or proper documentation. This makes the account/inquiry unverifiable, inaccurate, and incomplete under the FCRA.

I am requesting that the CFPB investigate and require the company to fully validate the information or permanently remove the unverifiable items from my credit 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
I on XX/XX/year> I transferred {$610.00} on to a moneygram account. I paid {$300.00} to a gentleman for products I purchased. I then attempted to transfer the remaining balance back to my account and Moneygram closed the account on me. I have since opened a case to see why it was closed and how to get my refund. I have reached out 4 or 5 times now and been met with nothing but resistance since. Today customer service told me there was nothing they could do and didn't really have an answer on what I need to do to get a refund on my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Subject : Formal Dispute of Student Loan Accounts Inaccurate, Unverified, and Privacy Concerns under FCRA & GLBA To Whom It May Concern : I am formally disputing the accuracy and validity of the following student loan accounts being reported on my credit file : Creditor : Dept of Education XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} Account # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} Account # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} These accounts are reporting derogatory marks, including 120+ days past due. I have reason to believe the information is inaccurate, unverifiable, and not being reported in compliance with federal law.

Grounds for Dispute Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681e ( b ) and 1681i ( a ), credit reporting agencies are required to ensure maximum possible accuracy and to conduct a full reinvestigation of disputed items. If the creditor can not provide complete documentation verifying the debt and payment history, the accounts must be deleted.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. Financial institutions, including student loan servicers, are required to protect my non-public personal information ( NPI ) and ensure its confidentiality and integrity. The continued reporting of disputed, inaccurate student loan information constitutes mishandling of my private financial data and violates GLBAs safeguard provisions.

Unverifiable Reporting I request copies of the original signed promissory note ( s ), complete account histories, and any documentation that establishes your permissible purpose to continue reporting these accounts. If these records can not be provided, the accounts must be removed immediately.

Relief Requested I demand that the credit bureaus : Delete or correct the above-referenced student loan accounts if they can not be verified with complete and accurate documentation.

Provide me with written confirmation of the reinvestigation results within 30 days, as required by the FCRA.

Ensure that my private financial information is safeguarded in compliance with the GLBA.

Enclosures : Copy of my government-issued ID Copy of proof of address Copy of highlighted credit report showing disputed accounts Thank you for your immediate attention to this matter. 



Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

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 2025-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
An account was opened in my name and sent to the credit agencies. I have no knowledge of this and I did not open this credit card. XXXX  told me to file this report with you so they can block the card in an expeditious manner. I need a case number to give to them.

XXXX  alerted me that an account was opened in my name with Synchrony Bank for XXXX XXXX Walmart on XX/XX/2025 with a limit of {$750.00}. I called Synchrony Bank and started a dispute. Synchrony said they will start an investigation and close the account. They said they will notify me in7-10 days about the results.

I also called XXXX  and put in a dispute and they said as soon as I get a case number from FTC.gov they will be able to close the card they also opened a dispute and agreed to email with the results as well. XXXX  said there investigation foul take up to 30 days to complete. 

Looks like XXXX XXXX had a data breach on XX/XX/2025 I was notified of this on 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