vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I wired {$2500.00} from XXXX XXXX XXXX  to my Robinhood IRA ( Reference # XXXX ). The wire can not be completed because Robinhood IRAs don't accept wires. The funds are stuck with Robinhood 's intermediary bank, XXXX XXXX. XXXX XXXX XXXX  has submitted THREE recall requests to XXXX XXXX - all rejected without explanation. Robinhood confirms they never received the funds but refuses to use their commercial relationship with XXXX XXXX to facilitate return. XXXX XXXX customer service redirects me to Robinhood. My {$2500.00} has been inaccessible for 46+ days. Robinhood Case # XXXX was closed without resolution. XXXX XXXX XXXX confirmed XXXX XXXX is rejecting recalls but claim Robinhood agents claim they " have no control '' over their own intermediary bank and won't provide XXXX contact information. The funds can not go forward ( Robinhood won't accept ) and XXXX XXXX improperly refuses to send them back. Standard banking practice requires returning undeliverable funds, but XXXX XXXX rejects legitimate recalls while both companies evade responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a verified victim of human trafficking, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The information listed below was created or maintained as a result of coercion and identity misuse. It is inaccurate, not associated with my true identity, and continues to cause me harm. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, XXXX, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX EMPLOYERS TO REMOVE : EMPLOYER FIRST MERCHANTS HARD INQUIRIES TO REMOVE : XXXX XXXX - XX/XX/year> I am requesting that TransUnion immediately block and delete all of the above information in compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once the action has been completed.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NC

Complaint narrative:
THE BUREAUS is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NY

Complaint narrative:
On XX/XX/2025 I satisfied the loan with a complete payment in full of {$14000.00}. Before I made this payment, I asked the representative how soon I would receive the lien release and I was told 2 days. They now are refusing to release my lien. According to section XXXX of the New York vehicle and traffic law westlake financial, the loan company, has 3 business days to deliver a lien release, form mv -901. They refuse stating it is their policy to wait, although the waiting period changes with every department they transfer me to. I have called multiple times, the latest on XX/XX/2025 stating these laws to them. They first hung up on me and then when I called back they transferred me 5 times looping back to the beginning operator when you first call to start all over to then have the voice prompt tell me they can no longer find me in the system and I should submit a ticket online and hang up. This is after a XXXX minute phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing to dispute certain accounts listed on my credit report. These accounts are inaccurately reported and require immediate attention under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each bureau : Charged Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/year>, {$940.00} XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, {$4900.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/year>, {$2700.00} Late Payments : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 is a follow-up complaint regarding [ XXXX  / Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : INQ : XXXX : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report. As stipulated under the Fair Credit Reporting Act ( FCRA ), I request an investigation of these accounts due to inaccuracies and potential data breach violations. Below are the accounts that need to be corrected : Accounts in Dispute : 1. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Status : Positive o Dispute Reason : Incorrect negative reporting. 
2. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Status : Positive o Dispute Reason : Inaccurately listed as negative. 
3. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Status : Positive o Dispute Reason : Incorrect status ; needs updating to positive. 
4. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Status : Positive o Dispute Reason : Account status is inaccurately reported. 
5. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Status : Positive XXXX Dispute Reason : Incorrect reporting, should reflect positive standing. 
6. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX Account Status : Positive o Dispute Reason : Correct account to reflect positive status. 
7. XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Status : Negative ( In dispute ) o Dispute Reason : Account should reflect paid status. 
8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX  XXXX XXXX Account Status : Negative ( In dispute ) XXXX Dispute Reason : Discrepancy in unpaid status. 
FCRA Violations : Failure to Correct Inaccurate Information : Violations as accounts remain inaccurately reported. 
Failure to Complete Investigation within 30 Days : The legal timeframe has passed with no response. 
Incomplete or Misleading Reporting : The accounts are listed inaccurately with regard to their status. 
Data Breach : Please ensure the accounts are reviewed for unauthorized access due to potential data breaches.

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 2025-11-18 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: Self Financial Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, am writing to formally dispute the late payment reported on my XXXX XXXX account. This dispute is made under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i. 

After reviewing my credit reports, I discovered a late payment entry that is inaccurate, incomplete, or unverifiable. According to my records, I made my payments on time or did not receive proper notice of delinquency as required by law. Therefore, the reporting of this late payment violates the accuracy and verification requirements of federal law. 

Legal Basis for This Dispute 1. FCRA 1681s-2 ( a ) ( XXXX ) ( A ) Furnishers ( such as Self Financial ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

2. FCRA 1681s-2 ( b ) Once a dispute is received, you are legally required to : Conduct a reasonable investigation, Review all evidence I provide, Report your findings to all credit bureaus, and Correct or delete any information that is inaccurate or can not be verified.

3. FCRA 1681i ( a ) ( 5 ) ( A ) If Self Financial can not verify the accuracy of the late payment with documented proof, the item must be deleted or corrected within 30 days.

Requested Action I request that Self Financial : Perform a full reinvestigation of the late payment being reported. 

Provide written verification and documentation proving the payment was late ( including due date, payment posting date, and notice of delinquency ). 

If verification can not be provided, immediately delete or update the entry to reflect Paid as Agreed or on-time payment status.

Notify all credit reporting agencies of the corrected information.

Provide me with a written response confirming the results of your investigation.

Please note that FCRA 1681i ( a ) ( 1 ) requires the reinvestigation to be completed within 30 days of receiving this notice. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or pursuit of remedies under FCRA 1681n and 1681o. 

Thank you for your attention. I expect a written response within the required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i have disputed this acct for 4 months now, and it hasnt been fixed yet. there are numerous things that the bureaus are violating and have not removed the acct. my next step is sueing

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 2025-11-18 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: PA

Complaint narrative:
I am writing to dispute multiple items on my TransUnion credit report that appear inaccurate or outdated. I request a review and correction/removal as necessary. 

1. Charged-Off 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 XXXX XXXX XXXX XX/XX/XXXX I request verification of each item, and removal or correction of any accounts or inquiries that can not be verified.

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 2025-11-18 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: LA

Complaint narrative:
I am writing to dispute certain accounts listed on my credit report. These accounts are inaccurately reported and require immediate attention under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each bureau : Charged Off 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 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

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 2025-11-18 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: OH

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received a debt collection on an account that was settled, I asked for verification and validation from the company. They did not respond and sold the debt again to someone else.

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 2025-11-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-11-18 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: MO

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute certain accounts listed on my credit report. Please find the details of the accounts in dispute below. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA decided to close my account WITHOUT EXPLANATION & I had no clue they were closing it. I had used my card all weekend, and used it 24hours prior. I went to use it at the fuel station and to my surprise it declined. After further digging i found my account was closed. No explanation just closed it with no access to my.funds. im deeply disappointed with usas and I will NEVER USE, nor recommend ANYTHING else from them moving forward. You usaa are shady, and move like a criminal organization. you are more than likely in the bed with trump / XX/XX/XXXX I Do NOT RECOMMEND usaa. I repeat DO NOT CONDUCT BUSINESS WITH USAA. they will sever ties and association WITHOUT NOTICE.

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