vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy of XXXX or more tradelines listed in my TransUnion credit file. The disputed item ( XXXX ) include : Pursuant XXXX XXXX XXXX. XXXX, you are legally obligated XXXX conduct a reasonable reinvestigation XXXX remove or modify any information that is inaccurate or unverifiable. 

In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence XXXX in full compliance with federal law. 

Specifically, I request : XXXX. Deletion or correction of the inaccurate entry ( ies ). 
XXXX. A copy of any verification documents received from the furnisher. 
XXXX. A statement describing your reinvestigation method under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

XXXX XXXX * * * *, XXXX OF XXXX XXXX * * * *, XXXX XXXX * * * *, XXXXL XXXX XXXX * * * *, XXXX XXXX XXXX XXXX * * * *, XXXXL 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 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
My XXXX account was restricted for no reason after I deposited money to it, trying to purchase bitcoin before the rise. Now my account is restricted I missed them raise and have almost $ XXXX being frozen in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$230.00} on a transaction from XXXX XXXX on XX/XX/XXXX, at XXXX XXXX. with an XXXX Credit Card. This is my fifth time disputing the transaction, and there is still denial even after I provided real or legal documentation to support my claim. 

My reason for the dispute is because the product that I bought is not real jewelry. It was a Moissanite stone pendant, but when I reached home, I tested it with a diamond tester to see if the pendant was real, but it wasnt. Its just Cubic Zirconia stones, basically not real Moissanite stones. 

Meanwhile, the next day, I reached the merchant store, and they were not able to refund me. The reason is because a stone was missing. Also, they have a no return policy, but it is not legal to sell customers a piece of jewelry that turns out to be fake or even worse. 

Went further with a jewelry store of great reputation, XXXXXXXX XXXX XXXX XXXX XXXX, requested an appraisal evaluation for the pendant that I bought, and I paid a fee for it. This was requested on XX/XX/XXXX, at XXXXXXXX XXXX This was after the dispute failed for a XXXX time. 

Few weeks later, the dispute was in the merchants favor for the XXXX time after I provided an Appraisal Evaluation Certified Document from XXXX XXXX XXXX XXXX XXXX. Now I opened a XXXX dispute with Apple Card, and the dispute is still open until the end of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: AL

Complaint narrative:
I am submitting this complaint against Zwicker & Associates, XXXX, a law firm and debt collector. They are attempting to collect an alleged credit card debt on behalf of [ Insert Original Creditor Name ]. 

I timely disputed the alleged debt in writing and requested verification under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692g ( b ). Despite my request, Zwicker & Associates filed a lawsuit against me in XXXX  small claims court without providing any documentation verifying the debt. 

This violates 1692g ( b ), which requires debt collectors to cease collection, including legal action, until the debt is verified and a copy is mailed to the consumer. Additionally, they have not provided proof of ownership of the debt, a copy of the original credit agreement, or any evidence of legal standing to sue. They do not own the debt and were only assigned to it. Furthermore, this account is not charged off. 

I request that the CFPB investigate this violation and that Zwicker & Associates be required to cease legal action until proper verification is provided. I will be exploring additional legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Company has not send me all necessary documentation because they dont have it.

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
An issue regarding my credit report. I recently discovered that I was listed as a joint owner on an account without my knowledge or consent. This unauthorized association has negatively impacted my credit, which is both unfair and concerning, as I never agreed to assume responsibility for this account. When I contacted the office, I was informed that no action could be taken without further affecting my credit. However, given that I did not authorize my inclusion on this account, I believe this situation warrants reconsideration. I should not be held liable for an obligation I did not knowingly enter into. Take the necessary steps to remove my name from the account and correct any adverse effects on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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 did not apply for these accounts. I did not open these accounts. I dispute the validity of both accounts from XXXX. Im attaching documents. 



Upon receiving a dispute from a CRA, the furnisher must conduct a reasonable investigation into the disputed information ; " review all relevant information provided by the [ CRA ] '' in connection with the dispute ; and " report the results of the investigation to the [ CRA ].... '' [ 6 ] The furnisher must either verify the information as accurate, or if the investigation reveals that the disputed information is " inaccurate or incomplete or can not be verified, '' the furnisher must promptly modify, delete, or " permanently block the reporting of '' the information to the CRA. [ 7 ] An investigation of the disputed information " requires some degree of careful inquiry by furnishers of information. '' [ 8 ] Importantly, however, what constitutes a reasonable investigation of an identity theft dispute " will vary depending on the circumstances of the case '' and " in part on the status of the furnisheras an original creditor, a collection agency collecting on behalf of the original creditor, a debt buyer, or a down-the-line buyer-and on the quality of documentation available to the furnisher. '' [ 9 ] The closer the furnisher is to the original transaction, the more information the furnisher is expected to possess or be able to access to investigate the dispute. Merely reviewing an internal data file is not sufficient. [ 10 ] If the account level documents are no longer available due to a document retention policy, the Fourth Circuit has held that the furnisher, as the originator of the account, should have " at least informed the credit reporting agencies that [ it ] could not conclusively verify '' the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Opened on XX/XX/year>, never gave consent to open this acct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a collection letter dated XX/XX/year>2025, from XXXX XXXX XXXX claiming I owe {$2100.00} to Velocity Investments LLC ( assignee of XXXX XXXX XXXX XXXX, account # XXXX, file # XXXX. 

This debt was previously handled by XXXX XXXX XXXX on behalf of Velocity Investments LLC and was closed. I have documentary evidence confirming this resolution. 

After receiving this new collection letter, I attempted to contact XXXX XXXX XXXX through their official website but received no response. They have violated the FDCPA by : 1. Attempting to collect a debt that was already resolved 2. Failing to respond to my communication attempts 3. Potentially reporting inaccurate information to credit bureaus 4. Pursuing collection on a closed account I believe XXXX XXXX XXXX is violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by using false, deceptive, or misleading representations in connection with the collection of this alleged debt. They have provided no evidence that this debt is valid or that the previous resolution with XXXX XXXX XXXX is no longer in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
Suspicious transactions and fees. I'll be under the impression I would have money and then it was gone with no proof of records which I found wierd

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rigth to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On Sunday, XX/XX/year> I went to the Huntington Bank ATM located at XXXX XXXX XXXX, XXXX XXXX, PA, XXXX to deposit {$1800.00} into my checking account. I arrived at XXXXXXXX XXXX  to complete this transaction. I went through the standard procedure of depositing money, but when I put the money into the machine, the ATM said the transaction was cancelled and kept my money. The ATM told me to take my card and the transaction was over. I did not receive my money back, and the money was not deposited into my account. I contacted Huntington Bank and most of the people on the phone had absolutely no clue what to do, sending me in circles for 45 minutes while I sat there at the ATM. I eventually got through to a manager who gave me a case number of XXXX. She said that there was nothing they could do immediately and they would have to file a claim even though I have had this account for 6-7 years and have processed > $ XXXX of transactions on this account. I deposited {$1800.00} of my own hard earned money into the atm and got absolutely nothing for it, and Huntington couldnt do anything to make it right. This is I guess going for further review and it could take up to 2 weeks to get my money. This needs to be made right

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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 received my Experian Credit Report that claimed i owned a XXXX XXXX credit card that was past due 30 days in XX/XX/XXXX and that i was owing {$3400.00} on the card. The report claimed that i opened this card in XXXX and had been paying on the card since XX/XX/XXXX up to XX/XX/XXXX. None of this is correct. This Card did not feature anywhere in my credit report before XX/XX/XXXX but apparently have data dating back to XX/XX/XXXX. 

I have only one credit card with XXXX XXXX with a limit of {$2100.00}. This card was correctly reflected in the report and payment has been up to date. 

I contacted XXXX XXXX on the matter and they checked and confirmed that they did not have this other card in my name. In fact they said the card didn't exist. They promised to contact Experian to expunge the data from my records. 
Surprisingly, i received my XX/XX/XXXX credit report and discovered that Experian has reported the card as closed at the instance of XXXX XXXX but that they had declined to remove the delinquent status which is currently at 150 days. 
I have contacted XXXX XXXX again on the matter and they claim they don't have any such card in my name but is not willing to expunge the negative report from the card.

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 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing a complaint against Genesis Credit Management regarding a debt they claim I owe from XXXX XXXX XXXX XXXXXXXX XXXX. I moved out of that residence in XXXX  during the COVID-19 pandemic and have not lived there since. The account was opened and reported in XXXX years after I vacated the property. They are attempting to collect {$2800.00}, which includes unexplained fees and interest added over time. I have not received any itemized statement, proof of the original lease terms, or documentation of the charges. This debt appears to be re-aged and inflated. I believe this is a predatory collection attempt, and Im requesting that this be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
My attorney sent a letter on my behalf. She has not been retained at the moment. She asked the company to refund the money and show proof of the debt. They only responded with no evidence. Per the attorney and Georgia law, this company has no right to do what it is doing. 
It is with the CBE Group XXXX, a collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX I tried logging into my Equifax account. I had frozen my credit on Equifax on XX/XX/XXXX and I needed to unlock the freeze to switch cell phone providers and they needed to check my credit. I was unable to log in - received message that I did not have an account which is false as I have logged into my account many times in the past. I then tried to change my password to see if I could log in and unable to change password. I called Equifax for assistance and was told they didnt know what the issue was and to try again. No help, and still unable to log in. I called back several times and asked for a supervisor who told me to call back in a week. I was able to access and log into my husbands account without any issues so clearly the issue has to do with Equifax doing something to my account. They are refusing to help me log into and access my personal information. I have provided then with all the requested documents, that asked for a pic of my drivers license and a pic of myself to verify it was me in addition to my ss # and still nothing. I have a right to be able to log into my account. Its as if they are holding my personal information hostage and refusing to fix whatever the issues are for me to be able to log in. They asked me why I needed to log into and what was the reason- I dont need a reason its my information and I should be able to log in everyday if I want to. I am being refused help and access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
Self Lead Is reporting Late Payments to my credit report Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute the accuracy and completeness of this entry. The information as currently reported is erroneous, misleading, and fails to meet compliance with federal law. 

Specifically : XXXX. Violation of 15 U.S. Code 1666b This provision of the Truth in Lending Act mandates clear billing cycle procedures and timely posting of payments. I request verifiable evidence that any alleged late payment adhered strictly to these provisions, including billing cycles and due dates. If such documentation can not be provided, the late mark is inaccurate and must be permanently deleted. 
XXXX. Violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of disputed information. I am requesting a full reinvestigation of this account and demand deletion if the furnisher ( Self Credit Financial ) can not verify with original source documentation that the derogatory item is complete and accurate. 
XXXX. Violation of 15 U.S. Code 1681s-2 ( b ) Furnishers of information are legally obligated to correct or delete information found to be inaccurate or unverifiable. If Self Credit Financial is unable to provide full account validationincluding billing statements, payment history, and internal records showing the timing of noticesI demand this account be removed in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I am submitting a formal complaint regarding two accounts on my credit report that are being reported inaccurately by a debt buyer who acquired them from XXXX XXXX XXXX The accounts are showing clear evidence of illegal re-aging, which violates the Fair Credit Reporting Act ( FCRA ) 605 ( c ) and Metro 2 compliance standards. 

Both accounts report a Date of First Delinquency ( DOFD ) of XX/XX/XXXX and XX/XX/XXXX, yet they list a " Date Opened '' of XX/XX/XXXX and XX/XX/XXXX, respectively. This is not only chronologically impossible but also constitutes unlawful re-aging of the debt a tactic used to reset the 7-year reporting period to keep the negative account on my credit report longer than legally allowed.

This is misleading, damaging to my credit profile, and non-compliant with federal law.

I have already submitted disputes to the credit bureaus, and the accounts remain unchanged. Additionally, I filed an official identity theft and FCRA violation report with the FTC, and I am including screenshots of the reporting inconsistencies in this complaint.

Company response to consumer: Closed with non-monetary relief