vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint against Robinhood Financial LLC for : 1. Refusing to refund {$21000.00} in funds that were stolen from my account through verified identity theft ; 2. Refusing to cooperate with the recovery of an additional {$3100.00}, which remains frozen in the fraudulent recipients account at XXXX. 



Background : On XX/XX/year>, a fraudster opened a XXXX account using my stolen personal information. 
On XX/XX/year>, a total of {$25000.00} was illegally wired from my Robinhood account into the fraudulent OnePay account via two transfers ( {$20000.00} and {$5000.00} ). 
On XX/XX/year>, I reported the identity theft to both Robinhood and XXXX and submitted an FTC Identity Theft Report ( XXXX XXXXXXXX ) and police report XXXX XXXX XXXXXXXX ). 
On XX/XX/year>, XXXX completed its investigation, confirmed that identity theft had occurred, froze the account, and moved the remaining {$3100.00} into a secure internal holding account. 
XXXX has stated that the only way to recover the remaining balance is if Robinhood ( as the originating bank ) issues a Letter of Indemnity ( LOI ) requesting the return of the funds. 
Robinhood has refused to issue the LOI and refused to refund the stolen {$21000.00} that had already been moved out of the XXXX account by the fraudster. 
Robinhoods final response ( Case ID XXXX ) stated they found no error and would not take further action, despite the clear facts of the case. 



Legal and Consumer Protection Concerns : Under the Electronic Fund Transfer Act ( EFTA ), I am not liable for unauthorized electronic fund transfers. Robinhood is required to : Investigate reported fraud in a timely manner ; Refund unauthorized transactions unless it can prove the user authorized them ( which it can not ) ; Cooperate with receiving institutions in the recovery of stolen funds.

Robinhood has done none of the above. Instead, it has denied my claim, forced me to attempt recovery myself, and has refused to even assist with recovering the portion of the funds that remain safely frozen at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-05 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: TX

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
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 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

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 2025-07-05 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, adversely affecting my credit score and overall financial standing. Although a credit bureau representative previously assured me that these inquiries would be removed, they remain on my report. Their continued presence raises serious concerns about potential identity theft and has caused significant personal and financial 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 non-monetary relief
Consumer complaint received 2025-07-05 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:
I am disputing the late payment history and past due balance reported on my secured credit card with XXXX XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX  ) XXXX XXXX. 

This account is listed as 90 days late with a past due balance of {$190.00}, but I have never missed a payment on this account. I made a final payment on XX/XX/year>, and was not notified of any outstanding balance or delinquency at that time. 

The account was closed by the bank due to inactivity, not due to non-payment. The reporting of late payments and past due amounts is inaccurate and misrepresents my payment history. 

I am requesting that the late payments and past due status be removed, and the account be reported as paid and closed in good standing. This request is made under my rights as a consumer according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

Please investigate this error and provide a written response with the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
Contacted school so many billions times to provide data, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX  XXXX  Experian  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-05 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: PA

Complaint narrative:
Im XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I disbuted information due to the names being wrong addresses wrong and not my accounts referenced and the information forwarded to establishments as being mine!!!

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I disbuted information due to the names being wrong addresses wrong and not my accounts referenced and the information forwarded to establishments as being mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing to dispute an inaccurate account on my credit report from XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account shows a {$0.00} balance, is marked as charged off, and also states it was transferred or soldwhich is contradictory. 

In fact, the account was sold to XXXX, yet XXXX continues to report it with a derogatory charge-off status. This violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to ensure maximum possible accuracy in reporting 1. 

Because XXXX no longer owns the debt, they should not be reporting it as a charge-off. Im requesting that this account be completely deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
Experian reports the most severe delinquency ( 150 days late ). 

TransUnion and Equifax say 120 days late. 

Last payment date shows as XX/XX/XXXX for Experian/TransUnion, but XX/XX/XXXX for Equifax this inconsistency could indicate an error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX charged off an account with a {$490.00} balance and later sold the account to Resurgent Acquisitions LLC. I disputed this account in XX/XX/XXXX, requesting full validation under the FDCPA and FCRA, including a copy of the original signed contract ( wet signature ) and any documentation proving the accuracy and ownership of the debt. 

Despite my request, no validation or signed agreement has been provided, yet the credit bureaus continue to report the account as " verified '' and unchanged. The account lists a {$300.00} credit limit and a charge-off amount of {$490.00}, which suggests excessive fees or misreporting.

I am requesting that this account be removed due to failure to validate the debt and the continued reporting of unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA 611 and 609 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
They told me the debt is verified and will remain on my credit report as accurate and verified. They are far from that.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I subscribe to Experian 's 3-credit report service to remain aware of what's happening with my credit profile. There was an unknown student loan debt showing on my report at all three bureaus, so I did file disputes with Experian, XXXX, and XXXX  several months ago. Experian and XXXX  deleted the item from my credit. XXXX was slower, but I escalated and repeated my dispute several times until the fraud department finally did the research and concluded that I was correct : the account is not mine, so they deleted it. Right after XXXX  did that, EXPERIAN let the supposed creditor re-report the same debt to them using a different version of the creditor name. This time it shows us US department of education, but Experian confirms that they deleted this debt once before. I told them it's illegal to re-enter the same disputed/investigated/deleted debt on someone's credit report, but they argued that any creditor can re-report any data at any time about anyone. I know that's not true. 

If you take a look at my my most recent credit dispute with Experian, you'll see that they marked the debt as " verified * with " updated information ''. Verified? IMPOSSIBLE. I'm not in college now, nor have I been for well over a decade, so how could I have taken out of student loan this year? UPDATED? THE ONLY THING UPDATED IS THE CREDITOR 'S COMMENT. THEY USED TO SAY THEY " COULDN'T LOCATE '' THE BORROWER. NOW THEY SAY THEY " RECENTLY LOCATED '' THE BORROWER. Really? Strange then that I've never heard from them by phone or mail. Additionally, if this is a legitimate debt, then where's the rest of the information that any normal credit entry would have? For example, there's no payment history. When I called Experian, they couldn't tell me exactly what they verified. The just told me that the creditor said the debt is mine. That's not verification. They didn't ask the creditor to produce proof, and the creditor didn't provide any. They didn't require the creditor complete the missing information in the credit entry, so it looks just as sketchy now as it did before I disputed it. Experian has been negligent and irresponsible with the handling of this dispute. They're obviously siding with the creditor for some unscrupulous, behind-the-scenes reason which I probably will never know, but it doesn't matter. The bottom line is that Experian is shirking their responsibility, and they don't care if I know it. They need to be reminded about what the law requires them to do.

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 2025-07-05 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: FL

Complaint narrative:
Payment status varies across bureaus, again showing up to 150 days late. 

Last payment reported on Equifax is XX/XX/XXXX, conflicting with XX/XX/XXXXXXXX  shown on the others.

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 2025-07-05 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:
Payment status varies across bureaus, again showing up to 150 days late. 

Last payment reported on Equifax is XX/XX/XXXX, conflicting with XX/XX/XXXXXXXX  shown on the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief