vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Florida Financial Management dba Lend A Dollar
State: MO

Complaint narrative:
I obtained an installment loan from Florida Financial Management LLC doing business as Lend A Dollar. The loan was funded on XX/XX/year>. 

On XX/XX/year>, I contacted the lender in writing to revoke all electronic payment and electronic check authorizations. The lender did not respond. 

On XX/XX/year>, despite no payment being due and after my revocation, the lender withdrew {$500.00} from my bank account using an electronic check. The transaction posted as an electronic check with a check number generated by the merchant. I did not write or authorize this check. 

My bank has opened a fraud dispute for an unauthorized electronic check and required a sworn affidavit. The bank also advised changing my account number to prevent future electronic check attempts. 

I am requesting a refund of the unauthorized withdrawal, confirmation that all electronic payment and electronic check authorizations have been canceled, and assurance that no further attempts to withdraw funds will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 the following accounts on my credit report, which I believe are inaccurately reported. Below is a detailed breakdown of the accounts in question, separated by credit bureau. 

CHARGED OFF XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a TD Visa Signature XXXX, closed with a completely paid off balance in XX/XX/year>. 
I received confirmation from the bank that this was closed. 
I did not receive any further statements following that. 
In XX/XX/year> I received a {$0.00} statement. 
I called TD card services on XX/XX/year> at approximately XXXX, selected the XXXX option, and spoke with an associate XXXX ( sp? ). 
She informed my TD was aware of this issue and that several prior customers were impacted. 
I asked to speak with a supervisor regarding my concerns of this issue being triggered by, or triggering my exposure to, fraudulent activity, because my account information was not re-exposed after close. 
XXXX could not answer these questions. 
XXXX refused to get on the line because I wouldn't provide my full social security number. My rationale for refusal was based on the fact that I have reasonable believe this account has been impacted by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: OK

Complaint narrative:
I have no responsibility for these accounts and request their removal within XXXX  days under USC 1681g.

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
I applied with CrossCountry Mortgage for a refinance and/or application reconsideration. During this process, information regarding my loan application status was shared without my consent, which raised privacy and compliance concerns. The unauthorized disclosure also caused a significant communication issue with the co-owner of the property. 

Beginning on XX/XX/year>, I sent multiple written inquiries to CrossCountry Mortgages published privacy and compliance contact addresses from my work email account, seeking clarification, acknowledgment, and an explanation. Follow-up emails were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. None of these messages received any acknowledgment or substantive response. 

On XX/XX/year>, I sent a clearly labeled URGENT Follow-Up : Privacy Inquiry and Refinance Reconsideration email from the same work email account. That message bounced back, despite prior emails from that account having been delivered successfully. 

Immediately after receiving the bounce-back, I sent the same email, with identical content, from a different personal email address. That message did not bounce back, indicating that my work email address had been blocked from sending messages to CrossCountry Mortgage. 

In the XX/XX/XXXX message, I requested : -Written acknowledgment of my inquiry -Assignment of a specific contact person -Senior level application review -A substantive response addressing the privacy concern -Confirmation of CrossCountry Mortgages compliance obligations I stated that, absent a response by XX/XX/year>, I would file a formal complaint with regulators. 

As of today ( XX/XX/year> ), no response has been received. CrossCountry Mortgage has provided no acknowledgment, explanation, or corrective action. The apparent blocking of my work email account, combined with repeated non-response, has prevented me from resolving this matter directly.

I am filing this complaint due to : -Failure to respond to repeated consumer inquiries -Apparent blocking of a consumers email communications -Lack of transparency regarding potential privacy issues -Concern that CrossCountry Mortgage is not meeting its consumer-protection and compliance obligations I am seeking a written explanation, acknowledgment of the communication failure, clarification of how my information was handled, and assurance that consumers are not prevented from contacting the company regarding compliance matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: GA

Complaint narrative:
This letter constitutes a FINAL MONITERIUM, FORMAL NOTICE OF DISPUTE, and NOTICE OF INTENT TO ESCALATE. 

Tek Collect is currently furnishing and/or attempting to collect a debt originally associated with XXXX, despite the fact that XXXX agreed to the removal of this account from my credit report. That agreement applies to all agents, assignees, collectors, and third-party furnishers, including Tek Collect.

Your continued reporting of this account is false, inaccurate, and legally indefensible. You are hereby notified that : The debt is formally disputed, The original creditor agreed to deletion, and Continued reporting constitutes willful non-compliance under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

DEMAND FOR IMMEDIATE ACTION You ar
e given 7 calendar days from receipt of this moniterium to : 1. Cease all collection activity, 2. Request deletion of this account from Experian, Equifax, and TransUnion, and 3. Provide written confirmation that the deletion requests have been submitted and completed.

Failure to comply within this timeframe will result in immediate escalation without further notice, including but not limited to : Filing a CFPB complaint naming Tek Collect for unlawful furnishing, Filing complaints with the State Attorney General and Federal Trade Commission, Submitting evidence of the original creditors deletion agreement directly to the credit bureaus, and Pursuing civil remedies for statutory damages, actual damages, attorneys fees, and costs as permitted by federal law.

Be advised that continued reporting after receipt of this notice will be documented as knowing and willful misconduct.

This moniterium serves as your final opportunity to cure. 

Govern yourselves accordingly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-16 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: NY

Complaint narrative:
On XX/XX/year>, I initiated an Instant Transfer deposit of {$120.00} to my Robinhood account. The transfer shows as Completed ( both on my bank side and within Robinhood ), but the funds have not actually been made available/credited to my Robinhood account ( not reflected in my usable buying power/withdrawable cash as expected ). 

I first contacted Robinhood Support on XX/XX/year> and have followed up repeatedly. As of XX/XX/year>, after 8 days, Robinhood still has not resolved the issue or provided a concrete explanation. Support has only stated that they reached out and will email me when there is an update, without providing a firm timeline or confirmation of where the funds are. 

Case/Ticket number : XXXX. 

This issue is causing financial harm because my deposit is missing/unavailable despite being marked Completed. I am requesting that Robinhood : 1. Immediately credit/release the {$120.00} to my account ( usable/withdrawable as applicable ), or 2. If the transfer was reversed/returned, provide the return/rejection code, reason, and date, and 3. Provide a written ETA for final resolution and confirmation of the current status. 

I have supporting evidence, including screenshots of the transfer status showing Completed and Robinhood support messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the inaccuracies on my credit report with your bureau. Below are the details of the accounts in question, categorized by bureau : Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: KY

Complaint narrative:
I obtained a loan for {$2000.00} from Maxlend on XX/XX/XXXX and have paid a total of {$3800.00} to date on this loan as of XX/XX/XXXX. I logged in on XX/XX/XXXX to check my payoff and noticed that my pay off was {$1700.00}. My payoff has only gone down by {$230.00} in XXXX payments. This is very frustrating that I am still going to end up paying nearly {$7000.00} for a {$2000.00} loan. Additionally, the interest rate and total loan amount were not clearly disclosed prior to finalizing the loan. The process felt a bit like a bait and switch that resulted in a huge debt that was disproportionate to the amount of money provided by the lending agency. I have already repaid nearly double the amount of the loan and I am still making substantial payments on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Please review this entryit was completed late and could be flawed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
I am filing this complaint against TransUnion for failure to conduct a reasonable reinvestigation and for continuing to report inaccurate, inconsistent, and unverifiable information on my credit report well beyond the time allowed under the Fair Credit Reporting Act ( FCRA ). 
I previously disputed multiple accounts, including XXXX XXXX ( Auto Loan ), XXXX ( Telecommunications ), and XXXX  ( Personal Loan ). TransUnion responded through the CFPB portal stating that these accounts were placed into an active dispute status ; however, no corrections were made, and the inaccurate reporting remains on my TransUnion credit report more than 60 days later. 
Specific inaccuracies and violations include : XXXX XXXX ( Acct # XXXX ) XXXX XXXX reports no late payments to XXXX, showing a fully current payment history. 
However, TransUnion reports multiple XXXX and XXXX late payments, creating a direct cross-bureau inconsistency. 
Under FCRA 607 ( b ) and Metro 2 guidelines, information must be reported accurately and consistently. A tradeline can not be current with no delinquencies on one bureau and delinquent on another without substantiated documentation. 
XXXX ( Acct # XXXX ) This account is being reported by TransUnion as both a collection and a charge-off for the same balance, which is a Metro 2 compliance violation and constitutes duplicate derogatory reporting. 
This same XXXX account has already been removed by XXXX  due to inaccuracies, yet TransUnion continues to report it. 
XXXX ( Acct # XXXX ) XXXX is also reported as a charge-off, while conflicting status and history information appears across bureaus. 
XXXX  removed this tradeline after determining the data was inaccurate, but TransUnion has failed to do the same. 
Despite my disputes, TransUnion has not provided any documentation showing verification of late payments, charge-offs, or collections, nor proof of furnisher validation, billing statements, payment histories, or contractual evidence. Simply marking items as disputed without correcting inaccuracies does not satisfy TransUnions legal obligations.

This conduct violates : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation within 30 days FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) ( 5 ) Failure to delete or modify unverifiable information Metro 2 Reporting Guidelines Inconsistent and duplicative reporting FDCPA 807 & 809 ( for collection reporting ) Reporting unverified and misleading debt 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 2025-12-16 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: OK

Complaint narrative:
I am not affiliated with these accounts and ask that they be removed within XXXX  days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CO

Complaint narrative:
The details shown dont match my actual financial behavior. Id be grateful if you could review everything and make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This complaint involves Frontier Airlines and their XXXX XXXX partner credit card. 
The example that I am using for this complaint is the credit card cycle payment due XX/XX/year>, for spending XX/XX/XXXX through XX/XX/year>. 
The statement balance was {$5500.00}. XXXX status credited was XXXX points/miles. The majority of the total amount, XXXX, was not credited. 
I am asking both Barclays and Frontier customer care a simple question ; what item ( XXXX ) are not being credited with XXXX XXXX. Both company 's customer care refuse to answer this question and will only provide a link to terms and conditions, which I find to be not an adequate description of the answer I am seeking in order to make informed credit card usage decisions.

Every Frontier Airlines traveler is forced to sit through a Barclays credit card sales pitch, which involves flight attendants delivering that sales pitch within the aircraft cabin, at high volume, for an extended period of time during the flight. Nowhere in that sales pitch is the fact that the credit usage may not result in XXXX XXXX XXXX mentioned. In fact, the flight attendants fail to mention a few other downsides to the credit card rewards system.

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 2025-12-16 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CO

Complaint narrative:
These accounts arent associated with me, and I didnt authorize them. Kindly look into this and clear them from my record. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate or incomplete. Below are the accounts that are currently in dispute : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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