vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX I spoke with a representative from experian requesting the XXXX form. The representative informed me that they did not have the form. Its my understanding that this form must be submitted to conduct a proper investigation. Based on the fact that the representative said that they dont have the form I believe that a proper investigation was not conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My original loan was with XXXX XXXX XXXX, and during the COVID-19 pandemic, I enrolled in their hardship/deferment program, which paused my required payments and specifically stated that there would be no late fees or negative credit reporting during the covered period. I have written documentation confirming my enrollment and the terms of that agreement. 

After Truist acquired XXXX XXXX XXXX, the loan transferred, and I was again enrolled in Truists own hardship assistance program, which offered similar protections. I also have documentation showing that I was approved for that program as well. 

Despite this, Truist is now reporting multiple late payments to the credit bureaus for months that were clearly covered under XXXX or both of these deferment plans. This reporting violates both the agreements I had with the bank and the spirit of consumer protections provided under the CARES Act during the COVID crisis. 

Ive contacted Truist directly, but they have refused to correct the inaccurate information. I am requesting the CFPBs assistance to investigate this matter and help ensure that these late payments are either removed or updated to accurately reflect my approved deferment periods.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: CA

Complaint narrative:
I opened a notification early morning around XXXX than look me entering my pin mentioned send someone XXXX $ its frustrating cause there's no double check or wan send money? I just entered my pin and it sent asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: OR

Complaint narrative:
My XXXX  loan was placed on an administrative forbearance without my consent after it was transferred from XXXX to CRI. This action would have resulted in 2 months of accrued interest without my knowledge. They only removed the forbearance after I threatened to file a consumer protection lawsuit. Additionally, my auto debit was canceled without my consent which would have resulted in my loans entering delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
My vehicle was repossessed by Credit Acceptance in XX/XX/year>. After the repossession, my car was returned damaged, and I was told they would get it repaired. Since then, I have been unable to get in contact with the repair shop or anyone at Credit Acceptance who can actually help resolve the issue. 
Despite this, Credit Acceptance continues to demand monthly payments even though I still do not have my car, and it is not in the condition it was in before they repossessed it.

If I had agreed to their payment arrangements back in XXXX, I would have been paying around {$300.00} per month meaning I would have already paid over {$1200.00} for a car that I still do not have access to, and that they damaged. That is not fair or reasonable. 
Ive already filed a prior complaint about this issue, and nothing has been resolved. Credit Acceptance has created this problem and is refusing to assist, while still pressuring me for payments.

I have all interactions recorded with them on the phone, but i cant upload the videos here. I have a full timeline of when I went to pick up my car in XXXX to the most recent interaction this month. I definitely
feel like im being set up for failure.

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 2025-06-30 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: PA

Complaint narrative:
To : Consumer Financial Protection Bureau RE : Formal Complaint Against Delaware XXXX  Inaccurate Reporting of Child Support Account Subject : FCRA Violation Demand for Immediate Correction or Deletion Dear CFPB I am filing this complaint against * * Delaware Division of Child Support ServicesXXXX XXXX XXXX ( Delaware XXXX XXXX * * regarding a child support tradeline being reported to * XXXX XXXX XXXX XXXX in a way that is both * * inaccurate * * and * * damaging to my credit profile * *, in violation of the * * Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) * *.

The account in question was opened in * * XXXX * * and last updated on * * XX/XX/XXXX * *. However, I have confirmed directly with Delaware XXXX that * * I am not delinquent * * and have been making payments consistently under the established order or installment plan. Despite this, the account is either : - Misreporting past due or derogatory payment history, - Not marked as paid as agreed or current, - Or failing to reflect my accurate payment behavior. 

If this account is showing * * anything other than current or on-time payments * *, it is false and unfairly damaging my credit score which may also violate provisions of * * FCRA 1681e ( b ) * * ( requirement for maximum accuracy ).

Legal Grounds for My Complaint : - * * FCRA 15 U.S. Code 1681s-2 ( b ) : * * Furnishers of information must conduct a reasonable investigation after notice of dispute and correct any inaccurate, incomplete, or unverifiable data. 
- * * FCRA 15 U.S. Code 1681e ( b ) : * * Consumer reporting agencies must ensure maximum possible accuracy in the data they report.

- As I am not delinquent, any derogatory information is inaccurate, incomplete, or outdated and must be * * immediately corrected or removed * *. 



Supporting Facts : - Account opened in XXXX, last reported XX/XX/XXXX - XXXX verified with Delaware XXXX directly that I am * * not behind or in default * * - This account, if reporting anything negative, is a * * false representation * * of my credit behavior

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I didnt authorized of this inquiries from XXXX XXXX I did not approve for this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have detrimental to my life and my credit health.

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 2025-06-30 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: MD

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
Robinhood Is Holding My Funds Hostage and Failing to Provide Adequate Support To Whom It May Concern I am filing this complaint against Robinhood due to their ongoing and unacceptable handling of my account and funds. Robinhood is currently holding * * {$1000.00} * * of my money hostage without clear justification or timely resolution.

Initially, I was told the issue would be resolved by * * XX/XX/XXXX * *, then it was pushed to * * XX/XX/XXXX * *, and now its been updated again to * * XX/XX/XXXX * *. These repeated delays with no real explanation are unacceptable. Ive complied with all requests, including identity verification, yet I still can not access my own funds. 

I have contacted Robinhood support multiple times and received nothing but automated or generic responses that fail to address or resolve the issue. This situation has caused financial hardship and unnecessary stress.

I am requesting that the CFPB investigate this matter and require Robinhood to release my funds immediately or provide a lawful explanation for the delay. Their handling of this situation reflects a serious lack of accountability and customer care. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX Account # : XXXX Amount being held : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: NY

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 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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio recovery assoc account number XXXX is collection is not mine please removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am listed as an authorized user on this account, but I was never financially responsible. This account is not mine. It is being inaccurately reported as a charge-off. Please have it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

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 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I contacted CBB collections saying that i dont woe that amonnt and want to dispute it and that my insurance was never charged. they would not provide me with the docs that shoiwed the breakdown of the debt owed and to contact orgional debitor. they orgional debtor cant find the debt becaaue they changed billing companys. i dispute this debt and want all orgionally singed docs with the orgional estmate of cost. 

THIS COULD BE XXXX  ABOUSE DUE TO MY AGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I HAVE MADE XXXX PHONE CALLS TO THE XXXX XXXX XXXX CARD WITH SYNCHRONY. ON XX/XX/year>, AFTER MULTIPLE TRANSFERS AND WAITS, A REPRESENTATIVE, XXXX, RESEARCHED OUR ACCOUNT AND SAID HE CREATED A REPORT TO CHANGE AN INCORRECT BALANCE TRANSFER OF {$93.00}, MADE ON XX/XX/year>, TO A CREDIT. THIS AMOUNT WAS PAID AND POSTED TO SYNCHRONY ON XX/XX/year>. HE SAID THAT CREDIT, AS WELL AS CREDITS FOR LATE PAYMENTS, WOULD BE EFFECTIVE ON MY NEXT BILL. MY NEW BILL, DUE XX/XX/year>, REFLECTS {$12.00} CREDIT FOR LATE PAYMENTS BUT DOES NOT SHOW THE CREDIT FOR {$93.00}. I CALLED AGAIN TODAY AND WAS ON THE PHONE FOR XXXX HOUR AND XXXX MINUTES, TRANSFERRED XXXX TIMES AND THEY WERE UNABLE TO RESOLVE THE ISSUE. THE LAST PERSON I SPOKE WITH WAS A SUPERVISOR NAMED XXXX. SHE SAID THEY WOULD NEED TO TRANSFER ME BACK TO CUSTOMER SERVICE TO RESOLVE THE ISSUE. I TOLD HER I DID NOT HAVE ANY MORE TIME TO DEVOTE TO THIS AND PLANNED TO FILE A FORMAL COMPLAINT.

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 monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

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