vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am writing regarding the mishandling of a serious security breach and the resulting financial loss associated with my Robinhood account in 2021. 
On the day my account was compromised, the hackers immediately withdrew {$5000.00} from my account. Despite this unauthorized withdrawal, Robinhood failed to take responsibility for the incident. While concerning, this is not the main issue in my case. 
The hackers also attempted to initiate a transfer of funds from my linked XXXX  XXXX XXXX account into my Robinhood account, likely in an effort to move more money out. I acted quickly by contacting XXXX  XXXX XXXX, who responded immediately by freezing my bank account and preventing further unauthorized activity. 
The primary issue involves the remaining funds in my Robinhood account. The hackers liquidated the position in my account in an attempt to withdraw cash but were unsuccessful in transferring all the funds. Approximately {$75000.00} in cash remained in my account. Robinhood then took control of the account from the hackers after I reporter immediately, locked it for investigation, and I was denied access for several months while their internal review took place. 

After couple months, Robinhood contacted me, restored my access, and I logged in with a Robinhood agent on the phone. At that time, the agent asked me to confirm whatever has changed in my account, I saw approximately {$75000.00} in cash was present which was coming from the selling the position hackers had done on the first day of hacking, so I told the agent about that. However, immediately after this, my account was locked again, and I was informed that further investigation was necessary. 
Approximately two week later, when my access was finally restored, I discovered that the value of my account had dropped to approximately {$30000.00} wroth of shares with no cash, and the entire cash balance had disappeared. Upon reviewing the account, I found that I held the same number of shares I had prior to the hack, but their value had significantly decreased during the months I was locked out. Critically, my account had been liquidated on the day of the hacking, meaning that the funds have remained in cash, not in shares. The {$75000.00} in cash, which had been sitting in the account throughout the investigation period, was inexplicably gone. 
Despite multiple attempts to contact Robinhood to seek both an explanation and fair compensation for the financial loss, I received no satisfactory response. Robinhood failed to take accountability for the breach, the handling of my account, and the resulting loss, and ultimately ceased communication with me. 
I am requesting a thorough investigation into this matter, as well as appropriate compensation for the financial harm I have suffered as a direct result of Robinhoods actions and inaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for their continued failure to correct inaccurate, unverifiable, and damaging information on my credit report. Despite previously disputing the following accounts, Equifax has failed to remove or properly investigate them as required by the Fair Credit Reporting Act ( FCRA ). My consumer rights are being violated and I am suffering ongoing harm. 
XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  | High Balance : {$2500.00} | Late Payment This account is reporting a late payment that is completely inaccurate and unverifiable. I have never been presented with any original creditor verification or supporting documentation. Under FCRA 15 U.S.C. 1681i and 1681s-2 ( a ), Equifax is required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. I never received proper communication or billing that justified this derogatory mark. This is harming my credit profile and opportunities. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$13000.00} | Charge-Off This account is listed as a charge-off but no validation has been provided. This is a violation of FCRA 607 ( b ) and FDCPA 809 ( a ) [ 15 U.S.C. 1692g ]. There was no prior notice before the negative reporting, and the balance listed does not match any agreement I signed. The continued reporting without legally required validation is inaccurate, misleading, and harmful. 
XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  | High Balance : Not Reported | Charge-Off This account is being reported with incomplete information. There is no high balance listed and no terms. Under FCRA 605 ( a ) and 607 ( b ), all information reported must be accurate and complete. Equifax has not provided proof or proper reinvestigation and yet continues to report this account as a charge-off. This violates my rights under federal law. 
Despite my first dispute letter, Equifax has failed to correct or remove the accounts. This is my second attempt, and their lack of action shows willful noncompliance with FCRA. I have not yet submitted my FTC Identity Theft Report, but I intend to escalate if no resolution is provided. 
I am requesting the CFPB to hold Equifax accountable for : 1. Failing to conduct a reasonable reinvestigation under FCRA 611 2. Continuing to report unverifiable and inaccurate derogatory information 3. Violating my rights under FCRA and FDCPA 4. Causing me financial hardship and emotional distress I request the full removal of these accounts from my Equifax credit file and for Equifax to provide written confirmation of the correction. I am attaching my current report with the disputed items highlighted and a copy of my prior written dispute letter as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} INQUIRIES : 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 2025-07-08 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: United Group Inc.
State: OR

Complaint narrative:
I am filing a formal complaint against United Finance for ongoing, inaccurate, and damaging credit reporting related to a van loan I previously had with their company. Despite having this account marked as paid off, United Finance continues to re-flag the account as charged off as bad debt to credit reporting agencies, most recently as of XX/XX/. 

Here is a timeline and summary of events : The account was paid off and should no longer reflect a balance or charge-off status. 
I have disputed this account twice before, and it has been removed or corrected, only to later be re-reported again with derogatory status. 
As of XX/XX/, they again flagged the account with XXXX, and this flag spread to XXXX, causing my credit score to drop and preventing me from accessing financial services. 
The reported balance of {$6000.00} does not reflect the actual payoff and contradicts what is shown in parts of my credit report as Paid off. 

This repeated derogatory reporting appears to be a deliberate and retaliatory act designed to keep my credit suppressed. It violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 623 ( a ) ( 1 ) ( A ) : Duty of furnishers to report accurate information.
FCRA 611 ( a ) : Right to dispute and reinvestigate inaccurate items.

FCRA 607 ( b ) : Duty of credit reporting agencies to ensure accuracy and fairness. 

I am requesting : That the CFPB investigate United Finance for unfair and inaccurate reporting practices. 
That the account be permanently corrected and flagged as paid in full without derogatory remarks. 
That they be held accountable for any willful or negligent re-reporting of false information. 

I am attaching screenshots showing the paid off status and the later reflagging notification dated XX/XX/. 

This situation has caused serious emotional and financial stress, including denial of credit and a drop in my XXXX  score. I hope the CFPB will intervene to ensure this company can not continue to manipulate credit reporting systems to the detriment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C.

1692c ( c ), once a written request is made to a debt collector to cease communication, any further communication - including continued credit reporting - may violate federal law unless certain exceptions apply ( e.g., to inform of specific legal actions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C.

1692c ( c ), once a written request is made to a debt collector to cease communication, any further communication - including continued credit reporting - may violate federal law unless certain exceptions apply ( e.g., to inform of specific legal actions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I am filing this complaint because my Experian credit report currently reflects late payment notations for three accounts that are closed, fully paid, and show a {$0.00} balance and {$0.00} past due amount. These entries are not only misleadingthey are harmful, outdated, and completely unjustified given the current status of the accounts. 

The accounts in question are : XXXX ( account ending in XXXX ) reporting a late payment dated XX/XX/XXXXXXXX  with no past due balance. 
XXXX ( account ending in XXXX ) reporting a late payment dated XX/XX/XXXX, yet it is clearly listed as closed and paid, with a XXXX balance and no past due amount. 
XXXX XXXX  ( account ending in XXXX ) reporting a late payment on XX/XX/XXXX, again with a {$0.00} past due balance and the account showing as resolved. 

Each of these accounts has been fully satisfied. There are no active balances, no delinquency, and no justification for continuing to reflect negative payment behavior that no longer exists. Despite my best efforts to maintain a clean and accurate credit profile, these entries remain and continue to hurt my creditworthiness. It's frustrating and disheartening to be penalized for accounts Ive already resolved in good faith. I feel like Im being forced to carry financial baggage that should have been let go long ago. 

This isnt just a minor clerical mistakeits a reflection of how inaccurate credit data can unjustly follow someone for years. Ive experienced firsthand the consequences of these errors, including credit denials, higher interest rates, and the emotional stress that comes with having to repeatedly defend my financial integrity. It feels like no matter how hard I work to make things right, Im still being punished for the pasteven when there is no balance, no delinquency, and no reason to keep these negative notations active. 

I am not alleging identity theft or fraud. However, I am deeply concerned that these inaccuracies may be the result of outdated reporting or systemic database errors, potentially linked to a broader data breach or file-matching issue. Regardless of the cause, Experian has an obligation to report consumer information with maximum possible accuracy under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). Additionally, if a consumer disputes an account, Experian must conduct a reasonable investigation and remove unverifiable or inaccurate data under 15 U.S.C. 1681i.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: PA

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit bureaus and its coming back as updated and verified without proper investigation.The company failed to send me any information i requested even with my other complaints they never sent verification of debt in the original contract bearing my explanation of the amount how it was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am writing to request a correction and update regarding an inaccurate late payment reported on my credit report. This late payment does not accurately reflect my consistent payment history.

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 2025-07-08 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: TX

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

1681c-2 ) that you, the Experian Credit Services , 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 TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date : XX/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 2025-07-08 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

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

1681c-2 ) that you, the Experian Credit Services , 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 MO XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am trying to resolve a debt with Resurgent Capital Services ( Account ending in XXXX ). I was offered a settlement of {$550.00}, which Im willing to pay, but the company refuses to provide written confirmation of the terms before payment. 

They state it is against their policy to send written confirmation in advance. Without documentation, I can not safely proceed. This is not standard practice, and I believe it may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ).

I have requested in writing that they confirm : That {$550.00} will be accepted as full settlement That the remaining balance will be waived That the account will be reported as settled to credit bureaus That no further collection will be pursued I am requesting the CFPB review this practice and intervene if necessary so that I can resolve this account fairly and with legal protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Accounts settled for less than amount due and should be deleted from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been trying to open a checking account but have been repeatedly denied by several banks. I was informed that this may be due to negative information reported by a previous financial institution. On XXXX, I attempted to open an account with [ insert bank name if known ], and they declined my application. I have since requested a copy of my consumer banking report and am taking steps to resolve any outstanding issues, but I believe I should still be allowed access to basic banking services, especially since I am working and need direct deposit. I am submitting this complaint in hopes that this matter can be reviewed fairly and resolved so I can move forward with opening a checking account.

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