vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On the night of XX/XX/XXXX, I attempted to withdraw {$12000.00} out of my {$18000.00} balance from my Robinhood account. However, I was unable to complete the withdrawal, and shortly afterward, my account was restricted without any explanation provided. I was unable to reach Robinhood customer service via chat and could only send emails through the app. I did not receive a response until the next day.

The customer service team informed me that they were still reviewing my account and advised me to monitor the app and respond to any requests. I then requested a callback through the app, and a representative called me back. The representative told me the same thing as the lady who had sent me an emailthey did not know what had happened to my account. I asked him to expedite the process because I urgently needed to access my funds, but he said he couldn't assist with that. I kept requesting help, and eventually he hung up on me.

I called multiple times again and sent messages via XXXX  for support. Late afternoon, Robinhood contacted me to say they were working on my case and requested that I submit a bank statement, which I did immediately. They confirmed they had received the documents and were still reviewing them. I followed up via email but have not received any feedback as of tonight, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
TransUnion is reporting a collection account from XXXX XXXX XXXX XXXX for {$8900.00}, account number XXXX, claiming the original creditor is XXXX XXXX. I have never had any account, loan, or credit card with XXXX XXXX  that is open or past due. This account is fraudulent and the subject of an FTC Identity Theft Report ( XXXX XXXXXXXX, filed XX/XX/year>, attached ). 

I have disputed this account and provided TransUnion with my FTC report and signed identity theft affidavit, which under the Fair Credit Reporting Act 605B requires them to block and remove the fraudulent information within XXXX business days. TransUnion has failed to remove the account, which is a violation of federal law. 

The FTC report details that I have no knowledge of the alleged account, have never authorized it, and that XXXX XXXX XXXX XXXX has failed to provide debt validation or proof of ownership. Their reporting is inaccurate, incomplete, and materially misleading. 

This is not the first time transunion has failed to review the FTC reports and tak action i have attached an older FTC report as well with other accounts still showing and inquiries still showing. all must be removed! 

XXXX Authorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and auto loan, XXXX XXXX XXXX and XXXX others, XXXX XXXX XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX and XXXX All of these accounts are listed on an FTC report and have been part of multiple disputes. please review and correct my report to be accurate, verified and validated and please send me proof of how it was verified and validated. Transunion has been sending generic letters stating verified but never how they verified and validated, they are famous for taking the word of those who report to the credit reports but not the victims of whom are being wrongfully reported on.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am disputing late payment reporting from Nelnet on my federal student loan account [ XXXX ]. 

Nelnet failed to properly notify me before reporting these alleged late payments. No voicemails were left on my phone this year by Nelnet, which I can prove with my call and voicemail logs. Their emails regarding this issue were filtered into my spam folder without follow-up or alternative contact. 

On multiple occasions when Nelnet attempted to call, I answered and there was only silence for several seconds before the call disconnected. This can not reasonably be considered proper notification of a delinquency. 

Because of this, I had no opportunity to resolve the account before my credit was damaged. The account is now current and in forbearance, with no past due balance. 

I am requesting the CFPB to require Nelnet to make a goodwill adjustment and remove the late payments from all credit bureaus. 

Attachments provided include proof of no voicemails from Nelnet ( including deleted voicemails ), proof of spam folder emails, and proof the account is current. 

I have preserved and included complete voicemail inbox screen shot ( including deleted messages ) for full transparency. This evidence shows Nelnet did not leave any voicemail messages related to alleged late payments during the disputed period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX has failed to meet its obligation I need the CFPB to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved due to verified identity thefts due to being a victim of of multiple data breaches they consumer financial protection bureau has recently filed a lawsuit against XXXX alleging, systematic issues, such as failing to provide consumer provided evidence to furnish its excepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience we XXXX has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XXXX has failed to meet its obligation I need the CFPB to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved due to verified identity thefts due to being a victim of of multiple data breaches they consumer financial protection bureau has recently filed a lawsuit against XXXX  alleging, systematic issues, such as failing to provide consumer provided evidence to furnish its excepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience we XXXX  has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights 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 2025-08-10 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: TX

Complaint narrative:
Payment History Conflicts. XXXX  : Shows 120-day delinquency ( no monthly breakdown ). Equifax : Monthly history shows a mix of 30, 60, 90-day lates and some months marked OK. Date Inconsistencies for Last Reported. XXXX  shows XX/XX/year>XXXX  Equifax shows XX/XX/year>. These should generally match if the data is being reported accurately and timely. Also, Date of Last Payment inconsistent. XXXX  shows XX/XX/year>XXXX  ; Equifax shows XX/XX/year>. A two-month discrepancy in the last payment date suggests a reporting error. This account is reporting different balances across bureaus, which suggests inaccurate data. The payment history is inconsistent with the status and dates provided, indicating potential reporting errors. One bureau has no record of this account, so I request full verification or deletion from others due to inconsistency. 
This account lacks key required fields like high credit and monthly payment details, making it unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
In XXXX I opened an investment account with XXXX XXXX and I deposited in all the XXXX accounts I opened and after the deposit was made successful XXXX locked my XXXX investment account restricted me access from withdrawal and reach out to them several time for assistance after XXXX  months they decided to close the accounts and mail me a check but I told them I dont have a bank account that can handle such amount of checks at once so they should find another alternative to send my money but they refused and mailed the first check {$470.00} and it was sent to the wrong address and I complained and they said they will resend another one but they never did and after a month they decided to mail me a check for the second account I have with them XXXX  XXXX {$12000.00} and the cash was not good I was not able to withdraw from the check and I reach out to them again and up till now I still havent gotten my money and theyre not responding anymore and I still have the XXXX account locked up with balance of {$360.00} with them I cant withdraw or make use of any of the money till date since XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-10 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IL

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 2025-08-10 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
The account I have/had with Navient has been charged off per my credit report. However, I have never received a 1099-C from Navient. As a result, my credit report is not accurate and therefore, fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I was sent a bill Midland for an account that had been reported as charged off. I requested validation of this debt specifically their purchase agreement and the paperwork showing I was notified of such sale. I received a monthly statement from several years earlier and told the debt was validated. I wrote back stating this was not what I asked for and did not validate anything. That if they legally purchased the debt then it should not be reporting as charged off and without the purchase agreement I did not believe they were legally able To collect. I received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is a linked follow-up to CFPB XXXX # XXXX regarding Bank of Americas mishandling of my {$64000.00} fraud claim tied to a property rental scam in XXXX, XXXX. 

I am a long-standing Bank of America customer and rewards program member in good standing. In this case, despite providing complete documentation twiceincluding legal filings, consulate communications, and contractual evidenceBank of America failed to meaningfully pursue recovery from the receiving bank ( BCA, XXXX ). 

A Bank of America XXXX Department representative confirmed they made only XXXX inquiries to XXXX. When no reply was received, they closed the case without escalating to all available channels, such as XXXX recall procedures, international correspondent bank escalation, or coordination through XXXX consular financial fraud protocols. 

TIMELINE : - XX/XX/year> Bank of America issued its first closure letter, ending the claim without recovery. 
- XX/XX/year> After my in-person visit to a branch and speaking with XXXX in the XXXX Department , the case was reopened. 
- XX/XX/year> Bank of America closed the case again without any direct notification by email, mail, or phone. I only learned of this after contacting them for an update. 

The account receiving the funds remains active, and the villa owners remain reachableevidence suggesting recovery was still possible had Bank of America acted diligently. 

Additionally, during this process, Bank of America performed three unauthorized hard credit inquiries on my account. These have no connection to a wire fraud recovery process, were never authorized, and may have impacted my credit profile. 

Bank XXXX XXXX handling of my case appears to violate their internal fraud investigation policies, as well as protections under : - The Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E require prompt and diligent investigation of unauthorized electronic transfers. 
- The Consumer Financial Protection Act ( 12 U.S.C. 5531 ), prohibiting unfair, deceptive, or abusive acts or practices.

- Fair Credit Reporting Act ( 15 U.S.C. 1681 ), regarding unauthorized credit inquiries. 

Their lack of action has left me with significant financial loss, ongoing housing costs, legal expenses, and emotional distress.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: LA

Complaint narrative:
Account POSSIBLEFINA # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action. 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt The debt collector must cease all communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief