vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: PR

Complaint narrative:
I dispute the item in my Equifax credit report, and the do the investigation and send me a letter that say the item has been deleted but the account still on my credit report The confirmation # XXXX of my original dispute. The account name XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood restricted my account for no reason with my funds on it I contacted them multiple times for the past 2 weeks nobody helped then they email me saying they are closing the account but I still cant get my money off I informed them I have bills and probation fees to pay still no response now Im late on rent and could possibly violate my probation its not fair their holding my money for no reason & cant even tell me why it was restricted in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I dont own this debt. Have no why it is in my credit report. Disputed this collection ( LVNV ) with EXPERIAN it was removed. Been disputing this collection ( LVNV ) with XXXX XXXX they keep telling me they investigated and verified this account. I DO NOT OWN THIS ACCOUNT!!!!!! I would like it deleted and removed immediately please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I used a loan to pay off my XXXX XXXX credit card account, which was in internal collections. The loan was supposed to pay the full balance, which was {$530.00}. However, XXXX XXXX is reporting a balance of {$530.00} on my credit report, which is inaccurate. 

I confirmed the correct balance of {$530.00} with two XXXX XXXX representatives on Friday, XX/XX/year>, yet the reported amount is still incorrect. On that same day, a representative also claimed the reported balance was accurate, even though it clearly does not match the actual account balance or payment. 

This discrepancy causes the account to appear as partially unpaid, which could impact my credit standing or cause the account to accrue interest. I am concerned this reflects either poor recordkeeping or potential misrepresentation of the account status. 

I am requesting a full refund of the amount paid, a formal investigation into why XXXX XXXX accepted a loan payment and continues to report an inaccurate balance, and for the account to be marked as paid in full and closed. I also request the inaccurate reporting be corrected or removed from all three credit bureaus. 

This may represent a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). If this is not resolved promptly, I will escalate the matter to the FTC, state attorney general, and explore legal options if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I used a loan to pay off my XXXX XXXX credit card account, which was in internal collections. The loan was supposed to pay the full balance, which was {$530.00}. However, XXXX XXXX is reporting a balance of {$530.00} on my credit report, which is inaccurate. 

I confirmed the correct balance of {$530.00} with two XXXX XXXX representatives on Friday, XX/XX/year>, yet the reported amount is still incorrect. On that same day, a representative also claimed the reported balance was accurate, even though it clearly does not match the actual account balance or payment. 

This discrepancy causes the account to appear as partially unpaid, which could impact my credit standing or cause the account to accrue interest. I am concerned this reflects either poor recordkeeping or potential misrepresentation of the account status. 

I am requesting a full refund of the amount paid, a formal investigation into why XXXX XXXX accepted a loan payment and continues to report an inaccurate balance, and for the account to be marked as paid in full and closed. I also request the inaccurate reporting be corrected or removed from all three credit bureaus. 

This may represent a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). If this is not resolved promptly, I will escalate the matter to the FTC, state attorney general, and explore legal options if necessary.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian, TransUnion, and Equifax still have inaccurate addresses, phone numbers, and employers on my credit report. There all are inaccurate/unauthorized as the credit bureaus refuse to remove them off my credit report.

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 2025-06-01 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander bank took money from my check account on XX/XX/year> in the amount of {$1400.00} and processed a check that was already paid before. I was promised a return XX/XX/year> and it is now XX/XX/year> and no money has been received. I have called a dozen times and each time I am told I would receive my money but never have. Please Help. Thank you

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 2025-06-01 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I mailed this casheirs check to JP Morgan Chase to pay off my XXXX credit card account. I have only XXXX XXXX account with this card. I mailed it with regular mail, so I don't know exactly when they recieved it, but it should have been very early XXXX of this year, 2025. The amount of the cashier 's check was slightly more than the balance. The check was in the amout {$12000.00}. This was an accident, but it shouldn't make any difference. They could just credit my account. XXXX months later they still hadn't adjusted the ballance on my account accordingly and they were still charging me the minimum monthly amount of approximately {$320.00}. XXXX XXXX Bank is the institution that made out the cashier 's check and they put " XXXX XXXX '' as the remitter, instead of XXXX XXXX XXXX, or XXXX XXXX, or XXXX XXXX XXXX. I always use my formal name on documents of this type. I went to XXXX XXXX Bank to have them call XXXX to represent me and find out what happened. The lady from XXXX was very frendly on the phone but she needed to connect us with her XXXX who acknowledged recieving the check but that my name for the remitter was different from that on my account. He sent me a form in email to change my name on the credit card to the same as the remitter, but I put XXXX XXXX XXXX instead because I was confused. So, about XXXX weeks later I made a second call by myself again to see what is going on and I got a different lady that said there was no record of anything and she would not give the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: NH

Complaint narrative:
Good evening This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is violating the laws. 

This account only appears in my Experian report.

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 2025-06-01 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: FL

Complaint narrative:
I am filing a complaint regarding a tradeline reported by XXXX XXXX  ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is being reported as charged off with a balance of {$700.00} written off, while also being reported as past due in the full amount as of XX/XX/XXXX. This dual reporting is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ), as a charge-off is a final accounting action and should not simultaneously reflect an actively delinquent status unless valid collection efforts are ongoing. Additionally, no IRS Form 1099-C has been issued, which may be a violation of IRS Regulation 1.6050P if the debt was canceled. I respectfully request the CFPB to investigate the accuracy of this reporting, require proper validation from XXXX, and ensure full compliance with FCRA, IRS requirements, and Metro 2 credit reporting standards. If the debt can not be legally substantiated, I request correction or removal of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally notify the Federal Trade Commission ( FTC ) that I am a victim of identity theft and to request your assistance in addressing the fraudulent activity and associated damage to my credit reports. 

Recently, I discovered unauthorized accounts and inquiries on my credit reports from [ specify which credit bureaus : XXXX, Experian, TransUnion ], which I did not open or authorize. These items are the result of criminal misuse of my personal information, and I am requesting the permanent removal of these fraudulent entries in accordance with federal law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am exercising my rights as an identity theft victim to request that all information resulting from identity theft be blocked from my credit file. The FCRA mandates that consumer reporting agencies must block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving appropriate documentation, which includes : A copy of a valid identity theft report Proof of identity Identification of the fraudulent information Additionally, the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ) criminalizes identity theft and empowers the FTC to assist victims. Under this act, the FTC has the authority to record and investigate identity theft complaints and coordinate with law enforcement. 

Please consider this letter my formal request that you : Investigate the identity theft complaint I am submitting. 

Record this matter in your Identity Theft Data Clearinghouse. 

Coordinate, as necessary, with the consumer reporting agencies to enforce my rights under federal law. 

Provide any relevant guidance or documentation I can use to expedite the removal of these items. 

I have filed a police report and enclosed a copy along with an Identity Theft Report ( FTC Affidavit ), a copy of my government-issued ID, proof of residence, and a detailed list of the fraudulent items appearing on my credit report. 

I respectfully request your assistance in ensuring that my rights under the FCRA and other federal statutes are fully protected and that my credit reports are promptly corrected.

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 2025-06-01 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:
I've obtained a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been extremely detrimental to my credit file and my life.

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 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
In XX/XX/2025, a pipe burst caused significant water damage to my home. My insurance provider approved a claim and released funds totaling {$19000.00}, which were forwarded to my mortgage servicer, Fay Servicing. I notified Fay that I would be completing the work as a homeowner using a self-repair approach, as allowed by Ohio law . Multiple representatives from Fay Servicing confirmed I could serve as the general contractor and oversee hourly laborers without a formal contract, as the scope of work ( drywall, painting, flooring ) did not require licensed specialists.

Fay initially released {$9200.00} to begin repairs. I completed Phase 1 ( drywall installation ) and Phase 2 ( painting ), which together represent 47.5 % of the approved scope. I submitted a detailed signed receipt of services rendered ( as the general contractor ), a phase allocation summary, and photographic proof of completed work. At this time, I have not submitted retail supplier receipts, as materials were purchased or acquired through laborers and local sources not involving direct personal payment at retail. However, the work has been completed to standard, and the scope fully aligns with the insurance adjusters report. 
More concerning is that Fay is now refusing to release additional funds based on an incorrect assumption that self-repair eliminates the existence of labor costs. This is egregious and discriminatory. Labor was performed and paid for including hourly workers under my supervision as general contractor. Fays denial of this is not only incorrect but contradicts what their own representatives initially told me. 

I have been displaced from my home since XX/XX/2025, and these delays have caused severe hardship. The companys refusal to disburse the next phase of funds is obstructing necessary repairs and appears to reflect discriminatory practices in the administration of escrowed insurance funds.

I have requested the release of funds to begin Phase 3 ( flooring installation ), including a signed quote, inspection dispute letter, phase allocation table, and a material list from the supplier 's site with costs. I have also confirmed in writing that I accept full responsibility for any cost exceeding the adjuster-approved allocation. 

To date, Fay Servicing has not responded or released the funds, despite my full compliance and the urgency of the matter. I request immediate intervention to compel disbursement and correction of the inspection report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood refused to let me withdraw my money. When I called them to ask why my account was restricted they won't give me an answer, just some copy and paste answer. They are holding my money for ransom!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Request for Investigation Unlawful Credit Report Entries in Violation of 15 U.S. Code 1681 and 15 U.S. Code 1692g Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate and unauthorized entries on my credit report, specifically hard inquiries and collection accounts that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Upon reviewing my credit file, I found multiple hard inquiries that were not authorized by me. Under 15 U.S. Code 1681b ( c ), any party accessing my credit report for a hard inquiry must have a permissible purpose and my explicit consent, which I never gave.

In addition, my report shows one or more collection accounts that have not been validated in compliance with 15 U.S. Code 1692g ( a ). I have not received the required written notice of the debt, and the alleged debts have not been verified with sufficient documentation.

I have already contacted the credit reporting agency ( CFNB ) and formally disputed these entries, but they have either failed to properly respond or failed to remove the items in question. I am now asking the CFPB to step in and assist in resolving this matter.

My Requests : 1. I respectfully request that all unauthorized hard inquiries be investigated and removed from my credit report unless the party can provide signed proof of my authorization.

2. I request that all collection accounts lacking full and proper validation under 15 U.S. Code 1692g be removed from my credit report immediately.

The continued reporting of these items is unjust and harmful, and I believe they represent a violation of federal law. I am attaching a copy of my ID and supporting documentation for your review.

Thank you for your assistance in enforcing the protections guaranteed to me under federal law. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN 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 2025-06-01 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: PA

Complaint narrative:
I have disputed multiple inaccurate accounts, addresses, and aliases reported by Experian, Equifax and TransUnion over the years, yet Experian, Equifax and TransUnion have continued to verify and re-report them without providing any legally sufficient validation or notice of reinvestigation results, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am now submitting a formal Notice of Limited Use of Personal Identifying Information ( PII ), including my redacted government-issued ID. I do not consent to the use, storage, or sharing of my personal information beyond what is required for this dispute resolution. This aligns with federal privacy protections and constitutional rights, as well as : 15 U.S.C. 1681g Right to full disclosure of information in the file 15 U.S.C. 1681i ( a ) Right to reinvestigation of disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate information 15 U.S.C. 1681c-1 and 1681c-2 Right to fraud alert and blocking of information due to identity theft 15 U.S.C. 45 ( FTC Act ) Prohibition of unfair and deceptive practices, including the mishandling of consumer PII Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection Experian, Equifax and TransUnion continues to report : Accounts that do not belong to me or that were fraudulently assigned to me under a prior legal name Addresses where I have never legally resided A legal name I no longer use and have submitted documentation to correct A XXXX  XXXX  XXXX child support account that is invalid, outdated, and was never reissued in my current legal name, despite legal name change notice I am also enrolled in a court-ordered Address Confidentiality Program, and Experian, Equifax and TranUnion continued reporting of invalid, outdated addresses is a violation of my right to privacy and protection under both state and federal law. 

Experian, Equifax and TransUnions failure to correct these issues has led to significant emotional, financial, and reputational harm. I reserve all rights to seek monetary damages for each day the incorrect information remains on my report under the FCRA, FDCPA, and related consumer protection statutes. 

Please see attachment ( s ).

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 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
" My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. ''

Company response to consumer: Closed with explanation