vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. 

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-22 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:
I filed disputes requesting verification of debt and original ownership documents showing my name. The accounts in question I had no knowledge of : XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX XXXX {$750.00} XXXX XXXX XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX submitted disputes for these accounts XX/XX/year> and received updates that simple said the account was accurate, however I was never mailed or emailed any legitimate documents verifying the accounts as requested in my initial dispute. I then submitted another dispute for the accounts reiterating the request for official documents providing proof of ownership of the accounts in question and shortly received the same email confirmation that the account was verified and was not provided any documentation supporting this.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These companies claim I inquired on their services without any consent or proof that I did, Ive been ignored two times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
On XX/XX/year>, I authorized a {$9900.00} debit card transaction at XXXX XXXX for a kitchen cabinet purchase. During the checkout process, store staff informed me that a check could not be accepted in the kitchen department for the remaining balance of my order. I was told the transaction would be cancelled and that we would proceed to the front service counter to complete the purchase. 

When we arrived at the service counter, I was informed that the transaction could not be reattempted because the manufacturer discount codes used in the kitchen department could not be applied twice in the same day. I agreed to return at a later date when new discount codes were available. No order was placed, and no merchandise was received. 

Despite being told the transaction was cancelled, the {$9900.00} debit charge later posted to my account and the funds were withdrawn. I contacted XXXX XXXX and was instructed to dispute the charge with my bank. 

I filed a debit card dispute in XX/XX/year>. The dispute was denied by the bank, citing no error, despite the fact that the transaction was cancelled, no goods or services were provided, no completed order exists, and no merchandise was received. 

XXXX XXXX claims it has no record of a {$9900.00} transaction, while my bank states that XXXX XXXX is in possession of the funds. As a result, each party is pointing to the other, and I am left without my money or a resolution. I believe the bank failed to conduct a reasonable investigation, as the dispute decision does not reflect the facts of the transaction. 

It has now been over 60 days of attempting to resolve this matter through multiple customer service representatives, many of whom have not followed up. XXXX Old National Bank employee explicitly stated that they did not know how to help and that their hands were tied. 

I am requesting prompt resolution of this matter by returning the {$9900.00} to my 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
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-22 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: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had a car loan with hyundai ( hmfusa ) and was Never late paying my monthly payment, the very last payment was almost {$200.00} more than my monthly payment so I tried emailing to ask what was the extra amount added to my last payment, no reply, really didn't know who to email but I tried, well the following month rolled around and I received a letter saying that I still owed I believe {$160.00} and that was needed before my title would be released, I tried calling but noone could help and eventually I just paid it, even though it was never explained to me why, ( my car was also stolen twice during this time and I had to pay 2 insurance deductibles and some out of pocket rental car money, well after everything is said and done, Hyundai dinged my credit 3 times on this one incident causing my credit score to go from XXXX back down to XXXX which was what it was before I bought the car.I called hyundai and asked why this happened and what can I do to resolve it, even though I paid the extra money off that was tacked onto my loan with zero explanation and their answer was " just get a few credit cards and make on time payments '' which I did the entire time on my car, which got me nowhere.I don't want credit cards, I just want my credit restored back to where it was prior to the inflated last payment with hmfusa, this car won't last forever and I shouldn't be penalized with high interest payment because hyundai did me dirty on very last payment and hit my credit 3 time do to this.

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 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
CFPB Rebuttal XXXX XXXX Re : Case ID XXXX Consumer : XXXX XXXX XXXX XXXX Cornerstone Credit Services , LLC To the Consumer Financial Protection Bureau : I respectfully dispute Cornerstone Credit Services XX/XX/XXXX submission, which fails to address or resolve the core issues raised in my complaint. Their response includes broad conclusions but omits the documentation and factual verification required under federal law.

1. Cornerstone did not provide full verification as required Cornerstone asserts that it mailed documentation obtained from the original creditor ( s ) on XX/XX/XXXX. 
I dispute receiving any documentation that identifies the original creditor, shows itemized charges, proves assignment authority, confirms dates of service, confirms the balance and interest calculations, or establishes a contract bearing my signature. Under FCRA 623 ( b ) and 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation. A reasonable investigation requires substantiation of accuracy.

2. Failure to provide an itemized accounting The documents referenced did not include a complete itemization of charges owed or proof that the amount reported is accurate. Without an itemized transaction history, Cornerstone can not confirm balance accuracy under FCRA 607 ( b ) and Regulation F 1006.30.

3. Cornerstone has not demonstrated ownership or authority No proof has been furnished establishing legal assignment, chain of custody, business-records certification, or a contract authorizing it to collect or report.

4. Conclusory statements are not evidence Cornerstones claim that each account has been reported accurately is unsupported by records.

5. Failure to address specific dispute items My dispute identified payment history accuracy, legal enforceability, dates of first delinquency, and whether the balance includes unauthorized fees. Cornerstone ignored these issues.

6. Requested regulatory action I request the CFPB require Cornerstone to produce documentation substantiating the debt, including : Original creditor name and information Itemized billing history Charge-off documentation Complete accounting Proof of assignment and authority to collect 7. Preservation of Rights I reserve all rights under federal and state law, including FCRA 616617 and FDCPA.

Conclusion Cornerstones letter does not resolve the dispute or satisfy statutory obligations. I request CFPB assistance in compelling documentary verification or removal of unverified reporting. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested late payments removed from XXXX  XXXX. They replied verified and not 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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On XX/XX/year> I sent a debt validation and cease and desist letter to Halsted Financial Services about a particular debt they say I owe. The letter clearly states to stop communicating with me. This company emails me everyday about this. I have a copy of all the emails everyday since late XXXX. I consider that abusive. Furthermore, they have not complied with my request concerning this debt. Can you help please?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Chime regarding an online purchase in the amount of {$200.00}. The item was never delivered, and the sellers website is no longer in existence, indicating the transaction was fraudulent. 

Chime informed me that they conducted an investigation and decided to side with the seller. However, Chime has never provided any documentation, evidence, or explanation showing how this investigation was conducted or how they reached this conclusion, despite my repeated requests. 

The dispute has since been reopened, and I am now being told that the resolution date is XX/XX/XXXX, nearly four months after the original dispute was filed. This length of time is excessive and unreasonable, and I am not aware of any banking institution that takes this long to resolve a dispute without providing written findings or supporting documentation. 

Due to Chimes failure to provide transparency and a timely resolution, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). I have also requested the legal address for service of process so that I may pursue legal action. Chime has refused to provide this information, further preventing me from exercising my legal rights. 

At this point, Chimes actions constitute a failure to properly investigate, communicate, and comply with consumer protection requirements. I am seeking the immediate return of my {$200.00}, along with written documentation of Chimes investigation and decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Robinhoods handling of a negative balance on my account and their failure to provide clear, documented explanations despite multiple requests.

The issue began after a cryptocurrency transaction involving XXXX. Following this transaction, Robinhood reflected a negative balance on my account. However, the XXXX associated with this transaction still appears to exist within a wallet on the Robinhood platform. Despite this, Robinhood has stated that the funds have been sent and can not be reversed or applied to my balance. 

I have repeatedly asked Robinhood to explain how funds that still appear within their system are considered unrecoverable. I have also requested documentation to verify where the funds were sent, including transaction IDs, timestamps, wallet addresses, and internal ledger records. To date, Robinhood has not provided complete or clear documentation addressing these requests. 

Specifically, I have requested the following information and have not received adequate responses : A complete transaction history for the XXXX transfer, including timestamps, transaction IDs, wallet addresses, and internal accounting records A clear explanation for why the stated XXXX balance can not be reversed or credited, despite still appearing within a Robinhood-controlled wallet Written documentation or policy references explaining the technical or compliance reasons Robinhood claims prevent recovery of the funds Confirmation of the exact amount Robinhood claims I owe and a breakdown of how that amount was calculated Clear disclosure of Robinhoods collections process, including whether this balance may be sent to collections or reported to credit bureaus Without this information, I am unable to independently verify the legitimacy of the claimed debt or understand my options for resolution. The lack of transparency has caused significant financial stress, especially as a XXXX XXXX, and has left me uncertain about potential collections activity or credit reporting. 

I am not disputing my responsibility in good faith ; I am requesting proper documentation and clear explanations so I can understand and resolve the issue fairly. Robinhoods responses so far have been vague, inconsistent, and unsupported by written records. 

I am requesting CFPB assistance to ensure Robinhood provides full transparency, proper disclosures, and documentation regarding this matter so that I may verify the debt and pursue an appropriate resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information on my credit report have been denied and disregarded. As a consumer, I am aware of my rights under the Fair Credit Reporting Act, including the requirement that information reported must be maintained with maximum possible accuracy. Despite this, multiple accounts continue to be reported inaccurately. These ongoing reporting errors are harming my credit score and negatively impacting my life.

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company has informed the CFPB that it can not respond because I am NOT recognized as their customer or an authorized representative on their account. This statement directly confirms that the account being reported under my name is UNAUTHORIZED and the result is of 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX 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