vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX from XXXX to my XXXX account. The transfer was mistakenly sent using the XXXX network to my XXXX XXXX deposit address, resulting in an XXXX representation of XXXX being XXXX on-chain to a custodial address controlled by XXXX. 

The funds are visible on the blockchain but are not credited or accessible in my account. XXXX support confirmed the funds can not be recovered or credited due to policy, stating there is no internal recovery process for unsupported tokens. 

My concern is that the transfer was allowed to proceed without clear, prominent disclosure that sending XXXX over an unsupported network to a XXXX custodial wallet would result in permanent loss, despite the company controlling the destination address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information being reported by the credit bureaus. Below are the details of the accounts in dispute. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$690.00} Late Payments : XXXX  XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-12-29 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: TN

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, XXXX unauthorized ACH withdrawals were made from my checking account. The transactions were to XXXX, Division of XXXX XXXX  Bank, in the amounts of {$7600.00} ( XX/XX/year> ) and {$8600.00} ( XX/XX/year> ), totaling {$16000.00}. I did not authorize, initiate, or benefit from these transfers. 

I reported the fraud to the bank on XX/XX/year>, within hours of the second withdrawal. Despite timely notice, the bank did not issue provisional credit and did not initiate prompt recovery efforts with the receiving bank. 

In XX/XX/year>, I spoke with a bank XXXX by phone. During that recorded call, I raised the applicability of Regulation E. The discussion focused on gathering information commonly used to assess whether an account takeover had occurred, such as login activity, devices, and access patterns. During that call, the investigator stated she would contact the receiving bank to attempt recovery of the funds. To my knowledge, no such contact occurred at the time of my report or in the days and weeks immediately following. 

On XX/XX/year>, the bank denied my dispute, stating there was no evidence of account takeover or unauthorized login activity. On XX/XX/year>, the bank issued a final written denial reaffirming this position and stating that no Regulation E error occurred. The bank relied on the absence of account takeover indicators and refused to provide the documents or system logs relied upon, stating that such information was proprietary.

This position is inconsistent with Regulation E. An unauthorized electronic fund transfer does not require proof of account takeover. The transfers were unauthorized, I reported them promptly, and I received no benefit. The transactions were also materially inconsistent with my historical account activity, involving XXXX large XXXX withdrawals on consecutive days to a newly added external bank. 

Once the fraud was reported, the bank should have initiated XXXX recovery efforts promptly. Same-day or next-business-day outreach provides the greatest opportunity for recovery. The banks delay materially reduced the likelihood of recovering the funds. 

I am seeking regulatory review and assistance in obtaining Regulation Ecompliant error resolution, including reimbursement of the unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-29 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: FL

Complaint narrative:
Experian is reporting my XXXX student loan account as 90 days past due for XX/XX/XXXX. This reporting is inaccurate. 

During XX/XX/XXXX, my account was in official forbearance with XXXX, and no payment was due. XXXX confirmed a total payment due of {$0.00} and later issued a repayment schedule showing payments beginning on XX/XX/XXXX. 

Reporting a 90-day delinquency during an active forbearance period is incorrect and misleading. I previously disputed this error with Experian, but the dispute was closed before all supporting documentation was reviewed. 

I am requesting that Experian and XXXX correct or remove the inaccurate late payment information in accordance with the Fair Credit Reporting Act.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account 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 Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for continued inaccurate credit reporting, failure to conduct a reasonable investigation, and improper furnishing of derogatory information following repeated disputes. 
XXXX XXXX XXXX is reporting a repossession account on my TransUnion credit report. This account has been disputed multiple times and continues to be verified without meaningful investigation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

The account reflects inconsistent reporting regarding my responsibility ( co-signer versus primary obligor ), payment history, delinquency status, and balance accuracy. XXXX XXXX has failed to produce documentation establishing my legal liability, including : A signed agreement establishing co-signer responsibility Proof of notice of default Proof of repossession procedures Deficiency balance calculations Evidence of compliance with state and federal notice requirements Additionally, TransUnion has confirmed that my personal data was compromised in a data breach. Despite this known compromise, XXXX XXXX continues to verify adverse data without demonstrating compliance with enhanced accuracy and verification standards required under 15 U.S.C. 1681e ( b ).

Repeated automated or cursory verifications after receiving notice of dispute do not meet the statutory definition of a reasonable investigation. XXXX XXXX continued verification appears to rely solely on internal records rather than original account documentation.

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 2025-12-29 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: AL

Complaint narrative:
I am writing to file a formal dispute regarding the inaccuracies and incomplete reporting of my credit information. Below, I have outlined the disputed accounts, which I request to be reviewed and corrected as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX  and XXXX  for continuing to report a bankruptcy public record that has been deemed unverifiable and permanently deleted by LexisNexis, the primary public-records data vendor relied upon by the credit reporting agencies. 

The public record being reported is : U.S. Bankruptcy Court XXXX  XXXX Date Filed : XX/XX/year> Reference / Case Number : XXXX I am in possession of written confirmation from LexisNexis stating that this bankruptcy was investigated and removed from their system because it could not be verified. LexisNexis is a principal source used by the nationwide consumer reporting agencies to obtain and validate bankruptcy records. Once that source has removed the record as unverifiable, the credit bureaus no longer have any lawful or factual basis to continue reporting it. 

Despite notice of this deletion, XXXX  and XXXX  continue to report and verify this bankruptcy, relying on automated processes rather than competent evidence. No bureau has produced certified court documentation, a lawful independent source, or the method of verification required by law. 

Continuing to report a bankruptcy that the bureaus own data vendor has deemed unverifiable is per se inaccurate and constitutes knowing and willful noncompliance.

This conduct violates, at minimum : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete information that can not be verified 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance This is not a clerical mistake. It is reckless, deliberate, and in bad faith. The continued reporting of this bankruptcy has caused ongoing harm to my credit profile, including adverse lending decisions and increased financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
CFPB COMPLAINT FHA DISASTER FORBEARANCE EXIT Borrower : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, FL XXXX Servicer : Freedom Mortgage Income : {$3900.00} Proposed Payment : {$2600.00} Arrears : {$35000.00} Complaint Narrative : I am submitting this complaint regarding Freedom Mortgages improper handling of my FHA disaster forbearance exit and loss mitigation review. 

I was placed into a servicer-approved forbearance due to Hurricanes XXXX and XXXX, which caused the loss of my daycare business and a substantial reduction in income. My forbearance ended on XX/XX/XXXX, with total arrears of {$35000.00} as of XX/XX/XXXX. 

Freedom Mortgage has stated that I am ineligible for a loan modification because I did not make four consecutive payments. However, they are demanding a post-forbearance payment of {$2600.00}, while my monthly income is only {$4000.00}. This payment is not affordable and violates FHA sustainability requirements. 

Freedom Mortgage has failed to properly evaluate me for FHA Partial Claim or FHA Disaster Standalone Partial Claim options, which do not require four consecutive payments. 

I am requesting immediate corrective action and additional supervisor-level review. Not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$820.00} Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>

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 2025-12-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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