vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Sunbit, Inc.
State: FL

Complaint narrative:
Not sure the exact dates and the amount keeps going up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
There is a hard inquiry on my credit profile from XXXX  XXXX XXXX. I have no applied for credit with this business. The inquiry needs to be removed immediately as this is fraudulent and a violation of my consumer 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I have not been able to get into my Robin Hood account since 2020. When I requested information to get in it just helped regarding me back to the account is already provided based off of my Social Security number, but it wouldnt allow me to get in. I did not give me any notifications. Account was closed due to funding or anything so I would like to know what is my balance if I have one, and if not, what is preventing me from opening a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
I am broken and exhausted from carrying this burden that was never mine and that has completely destroyed my life. My identity was stolen and misused without my knowledge or consent, leaving me trapped in a nightmare I did not create, with fraudulent accounts and inquiries tied to my name tearing apart my financial stability, my dignity, and my peace of mind. Every day I live with unbearable stress and anxiety, watching how my reputation is dragged through the mud by debts and marks that do not belong to me. This is not just paperwork, this is my life, and it is being torn apart. I am begging for help, pleading that all of these fraudulent accounts and inquiries be IMMEDIATELY BLOCKED and PERMANENTLY REMOVED so I can have a chance to recover what was unjustly taken from me. Among the fraudulent inquiries that were never made by me are : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. In addition, the following accounts also form part of the fraud committed in my name and I beg you to confirm their removal from my report as quickly as possible, because the damage in my life is already irreparable : XXXX XXXX XXXX Credit Card Opened in XX/XX/XXXX {$480.00} Account number XXXX ; XXXXXXXX XXXX  XXXX Credit Card XXXX in XX/XX/XXXX {$820.00} Account number XXXX ; XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX ) Loan Opened in XX/XX/XXXX {$200.00} Account number XXXX. Please act fast, because every day that passes with these fraudulent accounts under my name the suffering grows deeper, and I can not continue to live under this weight that does not belong 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 2025-09-25 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: NJ

Complaint narrative:
I am broken and exhausted from carrying this burden that was never mine and that has completely destroyed my life. My identity was stolen and misused without my knowledge or consent, leaving me trapped in a nightmare I did not create, with fraudulent accounts and inquiries tied to my name tearing apart my financial stability, my dignity, and my peace of mind. Every day I live with unbearable stress and anxiety, watching how my reputation is dragged through the mud by debts and marks that do not belong to me. This is not just paperwork, this is my life, and it is being torn apart. I am begging for help, pleading that all of these fraudulent accounts and inquiries be IMMEDIATELY BLOCKED and PERMANENTLY REMOVED so I can have a chance to recover what was unjustly taken from me. Among the fraudulent inquiries that were never made by me are : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. In addition, the following accounts also form part of the fraud committed in my name and I beg you to confirm their removal from my report as quickly as possible, because the damage in my life is already irreparable : XXXX XXXX XXXX Credit Card Opened in XX/XX/XXXX {$480.00} Account number XXXX ; XXXXXXXX XXXX  XXXX Credit Card XXXX in XX/XX/XXXX {$820.00} Account number XXXX ; XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX ) Loan Opened in XX/XX/XXXX {$200.00} Account number XXXX. Please act fast, because every day that passes with these fraudulent accounts under my name the suffering grows deeper, and I can not continue to live under this weight that does not belong 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 2025-09-25 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MD

Complaint narrative:
I had purchased a truck back in XXXX and during the initial possesion of the truck it was having check engine light issues and i got a loaner for a while got truck back still having check light issues.I make XXXX payment and i guess XXXX XXXX repossesed my vehicle. So it was such a big amount to get my truck back, i could not afford the price they were asking to get the truck back, it was like XXXX XXXX. Anyway from that time in XXXX XXXX that they took the truck they have been reporting on my credit reports late payments. So i call up to XXXX XXXX in XX/XX/XXXX and try to figure out why my acccount was saying 97 % paid and if i owed them any payments. Come to find out XXXX XXXX said that i never owed anything to them because the dealership where i had purchased the truck had bought the truck back. They sent me an email saying as much.So in essence for almost three years these credit reporting places ( equfax Experian and TransUnion ) have been falsely reporting my credit score, worthiness and late payment status.I have been inconvenienced and denied my full faith and credit based on this consistently inaccurate credit reporting history. It definitely seems like i was conspired against by all parties involved.This is still going on close to 35 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MD

Complaint narrative:
I had purchased a truck back in XXXX and during the initial possesion of the truck it was having check engine light issues and i got a loaner for a while got truck back still having check light issues.I make XXXX payment and i guess XXXX XXXX repossesed my vehicle. So it was such a big amount to get my truck back, i could not afford the price they were asking to get the truck back, it was like XXXX XXXX. Anyway from that time in XXXX XXXX that they took the truck they have been reporting on my credit reports late payments. So i call up to XXXX XXXX in XX/XX/XXXX and try to figure out why my acccount was saying 97 % paid and if i owed them any payments. Come to find out XXXX XXXX said that i never owed anything to them because the dealership where i had purchased the truck had bought the truck back. They sent me an email saying as much.So in essence for almost three years these credit reporting places ( equfax Experian and TransUnion ) have been falsely reporting my credit score, worthiness and late payment status.I have been inconvenienced and denied my full faith and credit based on this consistently inaccurate credit reporting history. It definitely seems like i was conspired against by all parties involved.This is still going on close to 35 months later.

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 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Company : MOHELA ( XXXX  XXXX XXXX XXXX XXXX ) Category : Credit reporting Subcategory : Incorrect information on my report Complaint Details What happened? 

MOHELA is furnishing inaccurate and unverifiable information about my student loan account on my credit reports. 

I submitted multiple written requests, including certified letters, asking MOHELA to provide : 1. The original Master Promissory Note 2. The full servicing and transfer history documenting assignment and delinquency events In their latest response dated XX/XX/year>, MOHELA admitted they act only as an Information Furnisher for the U.S. Department of Education. However, they refused to provide the requested documentation. Instead, they only stated that the loans were delinquent prior to any deferment/forbearance, without producing records to substantiate those claims. 

Because they can not produce the underlying documentation, their reporting is unverified and therefore inaccurate under FCRA 623 ( a ) ( 1 ) ( A ) and unverifiable under FCRA 611 ( a ) ( 5 ) ( A ). The law requires furnishers to investigate and verify disputed information or else delete it.

Problem : * Failure to properly investigate and provide verification in response to a direct dispute * Continuing to furnish unverifiable information to credit bureaus * Violations of * * FCRA 623 ( a ) * * and CFPB Regulation V ( 12 CFR 1022.42 ) Desired Resolution : 1. Permanent deletion of this tradeline from all consumer reporting agencies 2. Written confirmation that MOHELA will not furnish unverifiable data again 3. Correction of records to reflect only verifiable and accurate account information Supporting Documents : 1. My original validation/verification request letter 2. MOHELAs XX/XX/year> letter ( showing failure to provide requested documents and admission of limited role )

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hi, today I went to the FIFTH THIRD ATM near my house to deposit cash into my account, the amount is {$960.00}. I completed the process until the ATM took my money and did not give me a receipt. I tried to confirm with the bank on my phone, but the amount was not deposited into my account, as if nothing had happened. I called the bank and their treatment was disgusting, as if I was guilty. I followed up on the matter and went to the bank and spoke directly with the employee, and still nothing happened. They told me to go and they would investigate. I asked them for the amount until the investigation was completed, but they refused., and I am demanding it. They do not deal humanely. The incident happened.today XX/XX/year> at XXXX atm address is XXXX XXXX XXXX XXXX XXXX MI. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Called PNC Bank on XX/XX/XXXX XXXX AM central, to inquire about any programs available to assist on lowering my monthly payment. After answering several personal financial questions, the representative stated that a can participate in our program called " XXXX MONTH TEMPORARY PAYMENT PROGRAM ''. I indicated to her that I would agree to participate and to go forward with the process. There more questions, I answered them. The representative stated to me : " The final approval is pending '' " The new minimum payment will be around {$190.00}, but do not pay this amount until you get the approval letter which will have the actual minimum payment amount '' " You can call back next week Thursday we should be able to let you know either way, or you can wait for the letter '' " If you're on autopay take it off '' " When you get the approval letter, I would recommend you set your autopay for the temporary minimum payment ''. 
I received the approval letter dated XX/XX/XXXX, which has the new minimum of {$190.00}. The program starts on XX/XX/XXXX and ends on XX/XX/XXXX. 
My due date is XX/XX/XXXX, so I set a payment for the new " minimum payment '' of {$190.00} on PNC 's website. PNC submitted a payment of {$340.00} from my linked bank on XX/XX/XXXX, not the {$190.00} that was agreed upon by PNC per the letter dated XX/XX/XXXX. The program is a 6 month program starting XX/XX/XXXX ending XX/XX/XXXX, my statement due date is the XXXX of every month ; therefore the 6 monthly payments with the reduced minimum of {$190.00} would be : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
This is a formal follow-up to my previous disputes regarding fraudulent accounts on my credit report. I did not authorize these accounts, and their continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite submitting disputes and an FTC Identity Theft Report, these accounts remain. Under the FCRA, you are required to ensure maximum accuracy, and your failure to remove these entries raises serious compliance concerns. 
I demand immediate deletion of these fraudulent accounts and a free copy of my updated report. Enclosed is an Affidavit and Notice of Federally Protected Consumer Right Violation under 15 U.S.C. 1681i. 
If you do not comply, I will escalate by filing complaints with the CFPB, FTC, and pursuing legal action, including {$1000.00} per violation and {$1000.00} per day in late fees for noncompliance. 
This is your final opportunity to resolve this matter before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NC

Complaint narrative:
Victim of Data Security Breach : XXXX XXXX XXXXXXXX, TransUnion, LLC. & XXXX XXXX 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXXXXXX XXXX XXXX Consumer, has been impacted by XXXX  and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 

Without my authorization, the following accounts were fraudulently opened to benefit a third party, and I have never provided any permission for access to my credit files or for accounts to be established in my name : 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 XXXXXX/XX/XXXX FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS * * 15 U.S.C. 1681e ( b ) - Reasonable Procedures : * * TransUnion failed to follow reasonable procedures to assure maximum possible accuracy of consumer information by : - Reporting unverified debt information - Failing to conduct adequate investigation of consumer disputes- Continuing to report disputed information without proper verification * * 15 U.S.C. 1681i - Dispute Procedures : * * TransUnion violated dispute investigation requirements by : - Failing to conduct reasonable investigation of disputed items- Providing inadequate responses to legitimate consumer disputes - Reporting information as verified without obtaining proper documentation from furnisher * * 15 U.S.C. 1681s-2 ( b ) - Duties Upon Receiving Notice of Dispute : * * TransUnion failed to properly investigate disputes and remove unverifiable information

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 2025-09-25 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: FL

Complaint narrative:
I am disputing the accuracy of late payments on a closed account. The creditor has failed to correct or verify after dispute. 
This continued reporting is unfair, inaccurate, and harmful.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
My name is XXXX XXXX, and I am a victim of financial fraud and cyber identity theft. According to records from the Federal Election Commission ( FEC ), between XX/XX/XXXX and XX/XX/XXXX alone, more than XXXX fraudulent transactions were made from my XXXX account via Global Credit Union, totaling approximately {$180000.00}. I did not authorize or initiate these transactions. These fraudulent activities can be traced back as far as XXXX. The most severe case occurred between XX/XX/XXXX, and XX/XX/XXXX, during which XXXX transactions were made in just XXXX month, totaling {$19000.00}. 


I am a XXXX veteran. My wife, age XXXX, and I are both retired. We live solely on Social Security benefits and limited retirement savings. It is clearly impossible for us to make XXXX to XXXX contributions per day, amounting to roughly {$1000.00} daily. 


We have some records from XXXX that show the IP addresses used for these transactions, none of which belong to us. Additionally, we hold detailed records from the Federal Election Commission showing the amounts and irregular patterns of these fraudulent withdrawals. 


We have contacted Global Credit Union and our credit company regarding these improper and unauthorized withdrawals. Despite the clear evidence of fraud, their response was that there was no error with my account, and they refused to assist in recovering our savings. As a member of over XXXX years, I am deeply disappointed with this response and believe it falls far short of the service owed to a loyal customer. 


We have filed reports with the XXXX Police Department and the FBI. I have also contacted XXXX to request reimbursement. However, as of XX/XX/XXXX, we have been able to recover only about 20 % of our losses due to XXXX XXXX refund policy and the Democratic election refunds. 


This situation has caused us severe financial hardship and has negatively impacted both our physical and mental health. 

You may reach us at : XXXX or phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They report a credit limit of {$1000.00} to the credit agencies and it is a lie! I don't have any credit with them unless I direct deposit my XXXX check into their account.

Company response to consumer: Closed with explanation