vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} CHAPTER XXXX BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-23 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: TX

Complaint narrative:
An account on my credit report has been fraudulently reported under my name. I did not apply for or authorize this account, and its inclusion is damaging and unlawful.

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: VW Credit
State: GA

Complaint narrative:
XX/XX/year> I am actively working to pay off my Volkswagen Credit XXXX loan balance and have scheduled two final payments : one this week and the last next week. After this weeks payment, my remaining balance will be {$810.00}, which I fully intend to pay as agreed. 
Despite my efforts to communicate and fulfill my obligations, XXXX Credits customer service has been unprofessional and has refused to confirm whether my vehicle is at risk of repossession or to provide a clear status update regarding my account. 
I kindly request that Volkswagen Credit acknowledge my payment arrangements and confirm that no repossession actions will be taken while I complete my payments in good faith. 
I appreciate your assistance in ensuring fair treatment and clear communication throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

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 2025-07-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally express my concern regarding an unresolved dispute involving an invalid charge on my Citi Bank credit card dated XX/XX/year>. The charge in question was made by XXXX is invalid. The service was never rendered or provided. 

Transaction Date : XX/XX/year> Dispute Date : XX/XX/year> Amount : {$1600.00} Despite reaching out to both Citi Bank and XXXX to address this issue, my concerns remain unresolved, and the disputed amount has not been refunded. This has caused significant inconvenience and frustration. 

I kindly urge Citi Bank and XXXX to investigate this matter promptly and resolve the charge reversal at the earliest possible opportunity. Please provide confirmation once the issue has been addressed. 

Thank you for your immediate attention to this matter.

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 2025-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
During 2022, up until this issue was fixed, UWM never sent me a single mortgage statement ( paper or email ). I was on XXXX XXXX XXXX orders and rolled right into 15 day annual tour orders in Georgia. In XXXX, I missed a mortgage payment, I didn't know I missed it, I was juggling working XXXX hours from home in the XXXX XXXX, my wood working business back home and supporting my family while driving back and forth while trying to remember my bills, especially this one I never received statements for. Once I got back home, I had all my stuff back in order and paid all my bills, it wasn't until I seen my credit report wrecked with a 90 day missed payment, I knew something happened. I immediately called UWM, the lady I spoke with, took my payment and brought my account up to date. She said I was signed up for paperless billing and she could see where I was not getting any emails. It wasn't until years later that I seen UWM had all these Misc Statements in a folder on their website about my VA loan being in default, missed payment letters, etc... All of which I was never sent. I would have never missed a payment if I had received my mortgage statement, let alone everything else. According to the CFPB, UWM should have been required to send me statements every month, and according to the VA, I should have been notified within 30 days when my loan was in default. Let alone after all of this, I should have been protected by the XXXX XXXX XXXX XXXX due to the missed payment being while activated, but that would not have mattered if I had just received my statements to begin with. I reached out to UWM, filed a dispute, explained all of this, and only asked to have the missed payment removed from my credit report, due to their negligence with my mortgage statements. Their response was that they reported accurately and nothing can be done. I have been denied personal loans with an XXXX XXXX XXXX because of this delinquent payment from 3 years ago. I had to take a {$12000.00} loss by cashing out my retirement to cover a roof replacement due to my loan denials. Never missed a payment in my 40 years on this XXXX and they can't remove that mark off my credit report. This has caused tremendous heartache to my family and I don't want other people to go through this. I had no idea I was legally entitled to my mortgage statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

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

Company 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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Finance LLC
State: DE

Complaint narrative:
I bought a vehicle from XXXX XXXX in 2010 for XXXX ( estimate ). I paid XXXX $ into the car before American Finance LLC repossessed the vehicle unlawfully. I have been in communication with American Finance LLC, making payments with them over the years. I became incarcerated and was not able to complete payments. When I became able to work XXXX XXXX XXXX garnished my wages for many years. I was not credited the money taken from garnishing to the balance supposedly owed. Every time i negotiate the payment options they increase the amount of the contract exponentially. I then starting paying cash payments of XXXX explaining to them that this was not apart of my budget and that i can not afford this amount after basically being home less. This is a XXXX XXXX XXXX debt that American Finance LLC keep re admitting an unsigned contract into the court system for judgement. They have been garnishing my wages and not giving me credit off the balance. The amount financed has been changed as much as they want to. They are incorrectly using the XXXX as a way to extort all of my funds. This issue with American Finance LLC is causing financial hardship, personal stress, and causing me to fall ill mentally. i need some help dealing with this situation. i have even asked them about a hardship program. My contract needs to be evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-23 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Follow-Up Regarding Robinhood Case ID : XXXX | CFPB Complaint No : XXXX Dear CFPB, I am writing to urgently request escalation of my complaint against Robinhood Financial LLC regarding the unjustified withholding of over {$12000.00} of my personal funds.

Robinhoods most recent response ( dated XX/XX/year> ) is contradictory, unsubstantiated, and unacceptable. I would like to clarify the facts again : - I personally funded my Robinhood account using my debit card connected to my bank account to purchase cryptocurrency.

- Those cryptocurrency assets have since been sold, and the funds now exist entirely in cash within the account.

- I have no open positions or negative balances.

- Robinhood refuses to allow withdrawal of my funds, now claiming the return could take up to 120 days, and worse that my tran

sfers may be reversed, despite no legal or factual reason for doing so. They have failed to : - Provide a clear reason for the restriction or unusual activity they cited.

- Offer a fair appeals or dispute resolution process.

- Take any meaningful step to release the cash funds I rightfully own.

This situation has caused extreme stress, hardship, and financial instability. Robinhoods actions raise serious concerns about consumer fraud, financial abuse, and non-compliance with federal finance laws.

I respectfully request CFPB intervention to compel Robinhood to Immediately release my full cash balance of {$12000.00} to the original payment source & Refrain from reversing any transaction that was fully processed and cleared without issue! 

Thank you for your continued support and attention. This matter has now gone beyond inconvenience it is becoming financially abusive and needs resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

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 stress. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-23 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX To : Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$130.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account allegedly placed with your agency in my name. As required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code ( UCC ) 1-308 and 3-501, you must immediately provide complete and verifiable documentation proving your legal right to collect and report this debt. 

I DO NOT ACKNOWLEDGE THIS DEBT. Furthermore, I demand the immediate removal of any reporting you have placed on my credit profile, as no legal validation has ever been provided. 

You are required to send me the following : The Original Signed Contract or Promissory Note that contains my wet signature, not a photocopy, digital application, or generic template.

A Binding Agreement showing my direct consent to the alleged balance, terms, and assignment. 
A full Flow Sheet or ledger showing all charges, payments, interest, fees, and balance calculations from the original creditor to present.

Proof of Chain of Custody from the original creditor to Credit Collection Services, including purchase contracts, assignments, and transfer documents.

Proof that this debt is NOT past the Statute of Limitations in the state of Illinois, including clear documentation of the last date of activity and calculation method used.

Proof that you are legally licensed to collect debts in Illinois, including license number, issuing body, and registration status. 
The full name, department, and contact info of the individual who verified this debt to any credit bureau. 
A written statement affirming that XXXX or any automated database was not used to conduct or respond to dispute investigations. This violates my right to a proper reinvestigation under FCRA. 
A billing statement or prior balance is not proper validation. If you can not produce every document listed above, you must immediately : Delete this account from XXXX, XXXX, and XXXX Cease all collection activity and contact with me Failure to comply within 15 calendar days from receipt of this letter will result in : Formal complaints filed with the CFPB, FTC, and Illinois Attorney General Litigation for statutory damages due to willful violations of federal and state consumer law Under UCC 1-308, I reserve all rights without prejudice. You are now on notice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief