vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX - Account Number : XXXX * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$340.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I requested a complete copy of all communications and records tied to my account ( emails, chat transcripts, internal notes, and call recordings ) and a written compliance/legal explanation for why my residency verification documents were rejected, despite meeting Robinhoods published policy. Robinhood has refused. 



Full Chronological Complaint Complainant : XXXX XXXX ( XXXX  resident ) Case Reference : Robinhood Case ID XXXX ( and other unresolved threads ) Timeline : XX/XX/2025 Began extended vacation in Hawaii. Used Robinhood Spending Card for over a month without issue. 

XXXXXXXX XXXX Last physical mail : a hospital bill dated/postmarked XX/XX/2025 to my California address XXXX XXXX, CA ). 

Late XX/XX/2025 Filed disputes against XXXX XXXX charges. Robinhood approved the disputes and issued permanent credits. 

After disputes Robinhood froze my account, claiming automatic flagging of XXXX  residency. This is false : I had already been making transactions in XXXX  without any freeze, and their policy does not prohibit card use in XXXX. The freeze occurred only after my disputes.

Replacement card I was required to enter a temporary mailing address to receive a new card. At no point did I claim or acknowledge XXXX  residency. 

XXXX 2025 Submitted valid proof of XXXX  residency : Major bank credit card statements with my name/address Medical bills ( hospital bill dated XX/XX/2025 ) XXXX address verification and daily Informed Delivery scans Prescription and digital billing records Robinhood rejected all of these, demanding mortgage/lease/car loan/bank account statements documents I do not and can not provide. 


XXXX 2025 Multiple escalations with supervisors and Executive Office staff ( XXXX, XXXX ). Chief Compliance Officer was XXXX but never responded. No compliance/legal explanation ever given. 


Issues : 1. Misclassification of residency I am a XXXX  resident. Robinhood has falsely treated me as a XXXX resident without cause.

2. Failure to honor published policy Robinhood applies hidden standards not disclosed in its published residency verification policy.

3. Denial of access to funds Robinhood requires transfer to a previously linked account but refuses to allow updates, trapping my funds.

4. Avoidance of compliance oversight Despite escalations, Robinhood has provided no compliance/legal response.

Harm : Ongoing denial of access to my funds.

Discriminatory misclassification of residency.

Procedural barriers caused by Robinhoods own delays.

Financial hardship while traveling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
This is a new submission to provide additional, critical information related to my ongoing complaint against XXXX XXXX XXXX, which was filed via its partner bank, Wells Fargo. My original Complaint ID is [ XXXX ]. 

I was unable to find an option to update my original complaint, so I am filing this new one to ensure this crucial evidence is reviewed. 

In addition to the {$63000.00} detailed in my first complaint, I have confirmed that XXXX is withholding another {$50000.00} from a separate transaction. This brings the total amount of my withheld funds to {$110000.00}. 

Details of this additional withheld amount : * * Transaction Details ( {$50000.00} ) : * * * * * Payment ID : * * XXXX * * * Transaction Date : * * XX/XX/year> For this specific transaction, a formal dispute/chargeback was * * never * * opened. XXXX  received an " XXXX XXXX Warning '' on XX/XX/year>, and has withheld the funds ever since. They did this without giving me any opportunity to submit evidence or defend the legitimacy of the sale. 

This demonstrates a broader pattern of behavior where XXXX  is aggressively and unlawfully withholding my funds. 

I request that this complaint be reviewed in conjunction with my initial complaint ( ID : [ XXXX ] ) to understand the full scope of the issue. The total financial harm caused by Stripe is now confirmed to be * * {$110000.00} * *.

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 2025-09-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am disputing the inaccurate reporting of a charged-off/closed account that continues to appear on my Trans-Union and Equifax credit reports , I previously submitted a dispute to both credit bureaus under FCRA 611, requesting a reasonable investigation and method of verification. Both Bureaus marked the account as " verified, '' but no documentation or proof of accuracy was provided, and the account remains reporting inaccurately. The account information XXXX XXXX XXXX XXXX XXXX open on XX/XX/year> with a limit of {$4300.00}.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-11 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: CA

Complaint narrative:
Subject : Experian Misclassification of Lawful Disputes as Fraud FCRA 611, 1681s-2 ( b ) Violations Details : I lawfully disputed inaccurate accounts with Experian. Instead of conducting a proper reinvestigation, Experian closed my CFPB Complaint # XXXX by misclassifying my disputes as fraud. This was false and obstructed my rights. 

I am not claiming fraud, identity theft, or third-party activity. My disputes are valid under the Fair Credit Reporting Act ( FCRA ). Experians false classification prevents compliance with : FCRA 611 ( a ) ( 1 ) : duty to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 2 ) : duty to forward all relevant information to furnishers.

FCRA 611 ( a ) ( 6 ) & ( 7 ) : duty to provide reinvestigation results and method of verification.

15 U.S.C. 1681s-2 ( b ) : furnishers duty to investigate after receiving notice. 


To clarify, I filed FTC Report # XXXX on XX/XX/year> documenting this misclassification. I also executed a Universal Affidavit of Consumer Identity & Dispute Validity ( notarized XX/XX/year> ), affirming : I am the rightful consumer tied to the accounts. 

My disputes are lawful and not fraud. 

Experian must apply the Metro 2 XB dispute code during reinvestigation. 


Experians actions appear to constitute a sham investigation and an unfair obstruction of FCRA 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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-11 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: FL

Complaint narrative:
Victim of Data Security Breach : Experian, XXXX, TransUnion, XXXX. XXXX XXXX XXXXXXXX XXXX are : 1. Family Educational Rights and Privacy Act ( FERPA ) : 20 U.S.C. 1232g - governing access, privacy, and verification of educational records 2. Failed to Maintain the Maximum Possible Accuracy : 15 USC 1681 ( s-2 ) b 3. Late Payments : 15 USC 1681 a2Xi 4. Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant ), declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief. 
XXXX. 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. 
XXXX. Identified Fraudulent Accounts I have personally reviewed my consumer credit report ( s ) prepared and distributed and I have identified the following fraudulently information : XXXX XXXX XXXX XXXX XXXX XXXX/ Account # XXXX Opened XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX  XXXX # XXXX /Opened XX/XX/year> XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX / Opened XXXX XXXX {$20000.00}

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Sunday, XX/XX/year>, Chase sent me an email saying my credit score went down by XXXX points due to a high credit utilization. Chase said my credit score was XXXX and dropped to XXXX due to what XXXX  sent to them. I had tried to work on this at the call center level but it is an outsourced call center in XXXX and was unhelpful. So I wrote to the CEOs of both Chase and XXXX. XXXX  had their team that supports this type of issue call me and they said they didn't send Chase anything that showed a credit utilization of 49 % because it is 1 %. They said my credit score was XXXX and is still XXXX. Chase had their executive escalation team member call me several times this week and they have refused to change it to the correct 1 % and fix the credit score they damaged to bring it down by XXXX points. I'm XXXX XXXX XXXX and this has been very stressful. In addition both Chase and XXXX  sent me an email saying that I used a card that was dormant. I have XXXX credit cards and I mostly use just the Chase card. They said my XXXX card had not been used in 6 months, however it has been used. XXXX sent me an email saying my points would expire so I charged something and used my points to pay it off except a {$5.00} balance, which I paid off right after. XXXX  said it didn't impact my credit by using a card that I had not used in a while, but certainly I have in the last 6 months. But Chase said it impacted me. it felt like it impacted me because I used a competitors card. Chase refuses to fix their inaccurate reporting and I asked them to show me the charges that raised my credit utilization from 1 % to 49 % and they said they don't have anything ... because there isn't anything for them to find. At the time of the reporting I owed about {$470.00} on one card with a {$45000.00} available amount on the XXXX cards, which is 1 % not 49 %. They said they go back 3 months and so does XXXX  and I pay off my balances every month so it is always a very low credit utilization of around XXXX % and not 49 %. This impacts the interest I would pay and Chase refused to help. XXXX  is saying Chase is wrong. Earlier this week I filed a complaint on XXXX  as Chase blamed them and XXXX  has accurate information and Chase does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have already filed a complaint against this evil company to no avail!! I want my legal {$250000.00} from a settlement! Chase has cleared the check, restricted my account after I filed a complaint, closed my account, refused to issue my funds, and has since come up with another delay tactic stating that they never cleared the check which is a bold face lie!! Again, I suffer with XXXX and chase is using my XXXX against me!! I will also be contacting the XXXX XXXX  with XXXX act on the XXXX XXXX company!!

Company response to consumer: Closed with explanation