vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I requested an ACATs transfer from XXXX XXXXo XXXX from my XXXX XXXXccount on XX/XX/year>. XXXX notified me that robinhood had rejected the transfer request. When I tried to reach out to robinhood support to understand why the request was rejected I was told to speak with someone using the support chat feature either over chat or the phone. Every time I tried to contact someone through that feature the chat support just says to send an email, which is exactly the same response I had already received. All this while the company is closing my account and told me I need to transfer funds out by XX/XX/year>, however they won't let me transfer my funds out because they have rejected the ACATs transfer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-21 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate, conflicting, and unverifiable information regarding a debt account to XXXX  and Equifax. The account in question appears with different open dates XX/XX/year>2023, and XX/XX/year>2023 which raises concerns about data accuracy. 

The status is also reported inconsistently : some reports show the account as Open, while others correctly show it as In Collections. This contradiction is misleading and could negatively impact credit decisions.

Additionally, I have not received a proper validation of the debt, including any original creditor documentation, nor have I received written communication before this was reported. I have already disputed this through the credit bureaus, and a reinvestigation is noted yet the inaccurate reporting remains. 

XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report unverifiable and inaccurate data. I am requesting immediate deletion of this account from all credit bureaus due to these failures to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notive some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the informationI am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notive some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the informationI am not familiar with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a collection account reported by Genesis XXXX. I do not acknowledge this debt and have sent a formal debt validation request under 15 U.S.C. Section1692g ( b ) and California Civil Code Section1788.17. They have not provided any proper validation or supporting documentation. I am requesting that this account be removed from my credit reports unless full validation is provided. My letter is attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Subject : Notice Regarding Communication Under 15 U.S.C. 1692c and Debt Dispute To Whom It May Concern, I am writing to you regarding a debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am requesting that you immediately cease all communication with me regarding this matter except as permitted by law, including written confirmation of any verification of the debt. 

I formally dispute the validity of this alleged debt. Under 15 U.S.C. 1692g, you are required to provide me with verification of the debt, including the name of the original creditor, the amount of the debt, and documentation supporting your claim.

Additionally, you are not to contact me via phone at any time, including at my home or place of employment. All future communications regarding this matter must be made in writing to the mailing address associated with this letter or by email to : XXXX. 

Failure to comply with this request will be considered a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General 's office. 

Thank you for your prompt attention to this matter. I expect to receive verification of the alleged debt within 30 days of your receipt of this letter. 

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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : DEPTEDNELNET # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the account reported by XXXX XXXX XXXX, ending in * XXXX, as it is being misrepresented and inaccurately furnished on my Equifax credit report. Although this account was originally reported as a collection, it now appears in the closed accounts section and is formatted as a standard credit tradeline. This misclassification is materially misleading and violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ), which requires that all furnished data be accurate, and 611 ( a ) ( 1 ) ( A ), which mandates prompt correction or deletion of inaccurate or unverifiable information. This is not an installment or revolving account but a third-party debt buyer account, and it must be categorized solely under collections, not as a loan or closed credit tradeline. The account reflects a {$1000.00} balance without any contractual agreement, chain of assignment, or full itemized validation being providedthis violates 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I never authorized this debt, nor granted permission for XXXX XXXX to report it. The changes to its status and location within my Equifax credit file since my last dispute render this a new, non-duplicative submission. This is supported by Equifax Credit Report Confirmation # XXXX, dated XX/XX/year>2025. I am also submitting a formal complaint to the FTC for misrepresentation and unauthorized data furnishing. I demand that this account be immediately and permanently deleted from my Equifax credit file. Continued misreporting will be treated as willful noncompliance under FCRA 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Account was closed early XXXX due to fraudulent charges, it is now XXXX and we have yet to receive any of the funds from the accounts that were left over. We were also owed funds from the fraud investigation that we never got as well. Many many calls, reps told me that checks were mailed. Finally spoke again to someone in XXXX and they said checks were sent only once and not sure why reps said they were mailed continuously. Constantly getting transferred to a different department or put on hold just for them to drop my call. I just want my funds from my account that are rightfully mine.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Two corporate checks payable to me ( XXXX XXXX XXXX XXXX ) were stolen from my home in XX/XX/XXXX. One was a dividend from XXXX XXXX XXXX for {$1100.00} from Citibank XXXX  dated XX/XX/XXXX. The second check was an IRA distribution from XXXX XXXX XXXX in XXXX XXXX, CA, also made payable to me in the amount of {$640.00}. I contacted the representatives at XXXX and XXXX XXXX XXXX who sent me these distributions, requested stop payments and replacements checks. Both explained that each check had been paid and sent me what were extremely obvious forgeries. Nobody will answer how these were both paid to people with no connection to me whatsoever. Citibank will not discuss this matter with me not connect me with their fraud investigator. I immediately filed a report with my local XXXX XXXX Police Department : XXXX. 
XXXX XXXX XXXX who took the report has copies of both checks. He requested that I use his business card and police report number to request that Citibank and XXXX XXXX XXXX provide me ( or to him ) the account information and name of the person who deposited my checks. I don't understand how checks made out to me were deposited into someone else 's account without question? I also don't understand why the banks are stonewalling me. Please just tell me what to do. A XXXX search for Citibank Fraud Department provides phone numbers for Citibank customers and I am not one so they wouldn't help me in any way. Please tell me what to do, who to write to and I'll be glad to light a fire under someone - metaphorically speaking...

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 2025-06-21 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-21 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX\n Address: XXXX XXXX XXXX XXXX XXXX\n XXXX GA XXXX\n ACCOUNTS:\n XXXX  - Account Number: XXXX, Date Opened: XXXX Balance: $0 \nXXXX XXXX Account Number: XXXX  Date Opened: XXXX Balance:\n $XXXX \nINQUIRIES:\n 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 2025-06-21 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/2025

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 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My wife went to " The XXXX 's XXXX '' XXXX on XX/XX/XXXX. 
Purchase amount : XXXX $ Store offered My Place rewards credit card and my wife initially provided my ( husband ) details to the store associate and later understood that it will be hard enquiry to the credit report and asked the associate to withdraw the application. 

Associate confirmed that he/she withdrawn the application. 

On XX/XX/XXXX, I have received a mail/notification on myFICO app and XXXX XXXX app that there is an hard enquiry on my XXXX  report from Comenity XXXX ( XXXX XXXX XXXX XXXX XXXX  ). 

I connected with the XXXX XXXX and briefed the issue. Customer care executive reported/agreed that this is Fraudulent activity and sent an update to XXXX about the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting Account Name : XXXX  XXXX XXXX I am writing to formally put Equifax on notice and to dispute inaccurate and conflicting information appearing on my Equifax credit report regarding this account. Under the Fair Credit Reporting Act ( FCRA ), particularly XXXX U.S.C. 1681e ( b ) and 1681i, you are legally required to ensure the accuracy of the data you report and to investigate and correct any disputed information within 30 days.

Discrepancies Noted : Date of last activity : Equifax reporting XX/XX/XXXX while XXXX  reported XX/XX/XXXX and XXXX reported XX/XX/XXXX, all of them can not be right at the same time. This reporting minimizes the accounts actual impact and violates the requirement for accuracy. Equifax closed date is XX/XX/XXXX, XXXX  closed date is missing while XXXX  is reporting another closed date. 


Inconsistent Last Payment Date : Equifax shows my last payment as XX/XX/XXXX, while other bureaus listed it as XX/XX/XXXX. One. two or three of these entries must be wrong. 


Missing Payment History : The delinquency trail is incomplete and/or missing, which misrepresents the status and history of the account. 

Actual payment amount is missing and or blank. Pasted due amount is missing from XX/XX/XXXX - XX/XX/XXXX How can you go 30 days late to 60 days late to a charge off? 


These inaccuracies do not meet the standard of " maximum possible accuracy '' required by 15 U.S.C. 1681e ( b ). In addition, 15 U.S.C. 1681i ( a ) requires you to reinvestigate and correct inaccurate or incomplete information within 30 days of receiving this notice. Requested Action : Reinvestigate the XXXX  XXXX XXXX account and confirm all reported data against verified documentation. 


Correct or remove all inaccurate, conflicting, or unverifiable information. 


Send me written confirmation of the investigation outcome. 


Provide an updated copy of my credit report at no cost. 


If this matter is not resolved within the timeframe required by the FCRA, I reserve the right to escalate this to my Attorney General Office and pursue other legal remedies.

This letter serves as formal notice under the FCRA. I request written confirmation of your findings and actions within 30 calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief