vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
I deposited funds into my Robinhood account sometime last year.

However, I have been completely locked out of my account due to a failed identity verification process. The app keeps asking me to check my other device, but I no longer have access to the previously registered device because it was factory reset.

I also lost access to the phone number associated with my account. Ive tried to complete the ID and selfie verification process multiple times, but it consistently fails without explanation.

I requested a phone call from Robinhood support several times, but I never received any calls. Despite this, my support cases were closed each time without resolution.

Im unable to log in or access my funds, and Ive had no meaningful response from Robinhood support. Ive submitted multiple support requests and am willing to verify my identity through any available method. 

I urgently need access to my account and funds. Please help escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  investigations, these account need to be deleted XXXX XXXX XXXX XXXXXXXX  - delete - remove from credit profile

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  investigations, these account need to be deleted XXXX XXXX XXXX XXXXXXXX  - delete - remove from credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Experian and the continued illegal re-aging and misreporting of a charged-off account from XXXX XXXX  ( XXXX ) This account was charged off in XX/XX/XXXX, but Experian continues to report a charge-off status ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX, with a status updated date of XX/XX/XXXX. This violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), which prohibits re-aging of accounts to extend derogatory reporting.

According to my credit file, the account shows no payment activity since XX/XX/XXXX, and the balance has remained unchanged. There is no justifiable reason for Experian to show a monthly charge-off for over two years. A charge-off is a one-time event, not a recurring monthly status. 

Experian recently completed a reinvestigation in XX/XX/XXXX and " verified '' this reporting without addressing the FCRA violation. This failure to correct false reporting misleads creditors and artificially extends the damage to my credit profile. 

Additionally, under FCRA Section 611 ( a ), Experian must correct or delete information that can not be verified accurately. By allowing the charge-off to report month after month as if it were new, Experian is effectively re-aging the debt, which is deceptive, unfair, and damaging.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : 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 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Kia Finance America is committing fraud with the charge off reporting and tax fraud. They never sent me a 1099c or the irs. This is deceptive credit reporting under FTC cfpb and the FDCPA. They got paid by the promissory note and they sold my car. And said I owe them a balance. They were paid by the Insurance company and the IRS. They took a tax deduction on a loss and put full balance on the consumer report. This is tax fraud and a violation. This is extortion. I did a uniform commercial code 11 filling on this transaction and it came up as I don't owe anything to Kia finance America or XXXX Kia. There is no lien in my name. I checked with secretary of state of XXXX  XXXX. Please delete this from all three credit reporting agencies. Thank you.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX [ Date ] TransUnion LLC XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Re : Dispute of Fraudulent Account and Request for Removal Section 605B FCRA Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of an account reflected on my credit report that I believe to be fraudulent and unauthorized. The account XXXX, associated with the account number XXXX was not authorized by me and was likely the result of identity theft. 

I previously disputed this account approximately 90 days ago ; however, it has not been removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B, I am entitled to have any information resulting from identity theft removed from my credit report upon submitting appropriate evidence.

If please do not send any stall letters as I am reporting this fraudulent activity myself. 

Enclosed with this letter are copies of my identity theft report, a police report number XXXX ( if applicable ), and any supporting documentation to substantiate my claim. 
I request that TransUnion, pursuant to FCRA Section 605B, promptly investigate this matter and remove any fraudulent information from my credit report. Please confirm receipt of this dispute and inform me of the outcome of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sham investigations, these account need to be deleted XXXX XXXX XXXX - delete - remove from credit profile Discover - delete - fraud - not mine - remove from credit profile DEPT OF EDXXXX delete - fraud - not mine - remove from credit profile DEPT OF ED/XXXX delete - fraud - not mine - remove from credit profile

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sham investigations, these account need to be deleted XXXX XXXX XXXX - delete - remove from credit profile Discover - delete - fraud - not mine - remove from credit profile DEPT OF EDXXXX delete - fraud - not mine - remove from credit profile DEPT OF ED/XXXX delete - fraud - not mine - remove from credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This company is reporting fraudulent, inaccurate information on my credit report. I have requested that they provide the purchase agreement to demonstrate full ownership of the account, as well as other relevant documents, so I may review them to verify if this is indeed an account that belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
DISPUTE/S REPORT DETAILS : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX XXXX XXXX  Although several of the disputes I submitted were marked as verified as accurate, I have noticed a concerning pattern : after each investigation was completed, certain furnishers updated the account information in ways that negatively impacted my credit reporteven when no new delinquency or activity had occurred. 

Specifically, I have listed the credit card companies I believe engaged in this practice, along with the corresponding account names and dispute investigation results. All disputes with the following companies were " VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. '' Although disputes were corrected, all " changes '' made to report in addition were negative. I hesitate to dispute anything on my report due to this negative reaction- regardless of my dispute being VERIFIED or not. 

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Of particular concern is XXXX account where, after my dispute was verified as accurate, the furnisher changed the payment history to reflect a XXXX delinquency in XX/XX/XXXX. Prior to this, the payment was consistently reported as XXXX  days late for years and never marked as severely delinquent. All other months on this account reflect delinquencies of XXXX  days or less, yet the furnisher altered just this one monthretroactively and without justificationcausing the overall status of the account to become adverse. 

This change occurred in XXXX, XXXX years after the original delinquency, and only after my dispute was submitted. I believe this action was retaliatory or unjustified, and part of a broader issue where furnishers respond to consumer disputes not just by verifying information, but by adding or escalating negative data that was never previously reported. 

DETAILS OF THIS DISPUTE/COMPANY RESPONSE ARE AS FOLLOWS : NAME OF COMPANY : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT STATUS AS REPORTED BY COMPANY : Paid, Closed ; was Paid as agreed FORMAL DISPUTE RESULTS AS WRITTEN/REPORTED BY JPMCB CARD SERVICES " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Rating. Here is how this account appears on your credit report following our investigation. '' I respectfully request that this matter be thoroughly reviewed and that appropriate steps be taken to ensure that retroactive updates following disputes are fully substantiated and not used to penalize consumers for exercising their right to dispute inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
DISPUTE/S REPORT DETAILS : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Although several of the disputes I submitted were marked as verified as accurate, I have noticed a concerning pattern : after each investigation was completed, certain furnishers updated the account information in ways that negatively impacted my credit reporteven when no new delinquency or activity had occurred.

Specifically, I have listed the credit card companies I believe engaged in this practice, along with the corresponding account names and dispute investigation results. All disputes with the following companies were " VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. '' Although disputes were corrected, all " changes '' made to report in addition were negative. I hesitate to dispute anything on my report due to this negative reaction- regardless of my dispute being VERIFIED or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of particular concern is one account where, after my dispute was verified as accurate, the furnisher changed the payment history to reflect a 60-day delinquency in XX/XX/XXXX. Prior to this, the payment was consistently reported as 30 days late for years and never marked as severely delinquent. All other months on this account reflect delinquencies of 30 days or less, yet the furnisher altered just this one monthretroactively and without justificationcausing the overall status of the account to become adverse. 

This change occurred in XXXX, four years after the original delinquency, and only after my dispute was submitted. I believe this action was retaliatory or unjustified, and part of a broader issue where furnishers respond to consumer disputes not just by verifying information, but by adding or escalating negative data that was never previously reported. 

DETAILS OF THIS DISPUTE/COMPANY RESPONSE ARE AS FOLLOWS : NAME OF COMPANY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX PAYMENT STATUS AS REPORTED BY COMPANY : Paid, Closed ; was Paid as agreed FORMAL DISPUTE RESULTS AS WRITTEN/REPORTED BY XXXX XXXX XXXX  " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Rating. Here is how this account appears on your credit report following our investigation. '' I respectfully request that this matter be thoroughly reviewed and that appropriate steps be taken to ensure that retroactive updates following disputes are fully substantiated and not used to penalize consumers for exercising their right to dispute inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
DISPUTE/S REPORT DETAILS : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX  XXXX XXXX  Although several of the disputes I submitted were marked as verified as accurate, I have noticed a concerning pattern : after each investigation was completed, certain furnishers updated the account information in ways that negatively impacted my credit reporteven when no new delinquency or activity had occurred. 

Specifically, I have listed the credit card companies I believe engaged in this practice, along with the corresponding account names and dispute investigation results. All disputes with the following companies were " VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. '' Although disputes were corrected, all " changes '' made to report in addition were negative. I hesitate to dispute anything on my report due to this negative reaction- regardless of my dispute being VERIFIED or not. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Of particular concern is XXXX account where, after my dispute was verified as accurate, the furnisher changed the payment history to reflect a XXXX delinquency in XX/XX/XXXX. Prior to this, the payment was consistently reported as XXXX days late for years and never marked as severely delinquent. All other months on this account reflect delinquencies of XXXX  days or less, yet the furnisher altered just this one monthretroactively and without justificationcausing the overall status of the account to become adverse. 

This change occurred in XXXX, XXXX years after the original delinquency, and only after my dispute was submitted. I believe this action was retaliatory or unjustified, and part of a broader issue where furnishers respond to consumer disputes not just by verifying information, but by adding or escalating negative data that was never previously reported. 

DETAILS OF THIS DISPUTE/COMPANY RESPONSE ARE AS FOLLOWS : NAME OF COMPANY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PAYMENT STATUS AS REPORTED BY COMPANY : Paid, Closed ; was Paid as agreed FORMAL DISPUTE RESULTS AS WRITTEN/REPORTED BY XXXX XXXX XXXX  " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Rating. Here is how this account appears on your credit report following our investigation. '' I respectfully request that this matter be thoroughly reviewed and that appropriate steps be taken to ensure that retroactive updates following disputes are fully substantiated and not used to penalize consumers for exercising their right to dispute inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n 1681c-2) that you, the Experian credit reporting agency, block information\nappearing on my consumer credit report that is the result of identity theft and fraud\nwithin XXXX  business days of you receiving this complaint. The following items do not\nbelong to me and is a result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report,\nexcept\nfor my only name and address listed below:\nName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : INQUIRIES : XXXXXXXX XXXX Date : XX/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
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/year> ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief