vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX, I transferred a total of {$8000.00} from my XXXX XXXX XXXX account to Robinhood. On XX/XX/XXXX, I added another {$5000.00} from my XXXX account, bringing my balance to {$13000.00}. That same day, I attempted to withdraw {$1000.00} back to XXXX the withdrawal failed, and my account was immediately placed under review. 

Robinhood stated the review would complete by XX/XX/XXXX, then changed the date to XX/XX/XXXX, and then XX/XX/XXXX without explanation. I called support and submitted the requested bank statements. However, on XX/XX/XXXX shortly after I mentioned I would file a CFPB complaint my account was suddenly deactivated, and my funds remain locked. 

Robinhood told me to upload documents through an Action Required button in the app, but no such option existed. My bank ( XXXX ) does not provide statements showing transfer details until a full monthly cycle has passed, making it impossible to meet Robinhood 's document requirements in the timeframe they demand.

I believe Robinhood is deliberately creating obstacles to delay access to my funds, possibly to hold onto my money for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-13 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: TX

Complaint narrative:
Upon reviewing my credit report i noticed XXXX accounts i have no knowledge of and did not authorize. I've filled an identity theft report and a dispute. However these accounts are on my credit report. XXXX. XXXX XXXX Account # - XXXX Date Opened : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX Account # - XXXX Date Opened : 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently checked my credit report, and I am appalled that a debt collector named National Credit System is Attempting to collect a debt for an apartment at XXXX XXXX XXXX I've never signed a lease for or heard of. I have never lived there, nor have I had any agreement with National Credit System. I want this collection removed immediately from my credit report as it has placed a detrimental halt to my current leasing plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I am filing a complaint against TransUnion and the associated information furnisher for inaccurately reporting late payments on my Credit Card account XXXX XXXX  with account number XXXX. 

This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.

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 2025-05-13 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-05-13 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
This is an email that I sent to MOHELA on XXXXXX/XX/XXXX : I consolidated FFEL loans to apply these for the SAVE program. The loan consolidation was approved on XX/XX/XXXX and I selected the SAVE program as my desired IDR program on the Consolidation application. MOHELA immediately placed my loan on the SAVE administrative forbearance due to the court order stop. Since my loan has been consolidated with MOHELA, it has shown as a XXXX XXXX ( as the application to apply for SAVE was stalled ). My consolidated loan was previously on IBR with XXXX with XXXX payment counts towards XXXX forgiveness ( XXXX years on IBR ) . This consolidated loan no longer shows any payment count with MOHELA or with FSA. I plan to recertify and move my loans back to IBR- but I am concerned that this loan didn't get included in the re-count because I can't find count information on it anywhere. Please assist - I need to know that the IDR counts are going to proceed to count when I move this loan to IBR, as I consolidated in the timeframe when the government stated that we need to have the application filed before the deadline to ensure the re-count will qualify - but now my loan is stuck in SAVE application/administrative forbearance. 

This loan has also been accumulating interest since XX/XX/XXXX. 

I need the payment count to show for this consolidated loan, so that when I move back to IBR, I can continue payment counts where I left off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a debt that is being reported on my credit report by LVNV Funding. The original creditor is listed as XXXX XXXX XXXX XXXX. The account appears to have been opened or used in XXXX for approximately {$9000.00}, but I did not authorize or use this account. 

I separated from my spouse in XXXX and was not residing with her at the time this debt was created. I was XXXX in XXXX in XXXX and going through military separation in XXXX, during which time my former spouse had access to my personal information. 

She used my identity without my knowledge to open or use accounts in my name during and after our separation. The divorce was only finalized in XXXX, but we were living apart and had no shared finances since XXXX. 

I have attached documentation including proof of military XXXX, separation timeline, and a police report of identity theft. 

I respectfully request that this item be removed from my credit report and that the appropriate enforcement action be taken regarding the fraudulent use of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute inaccurate reporting on my student loan account that is currently affecting my ability to obtain housing. 
Specifically, the payment history reported by my student loan servicer XXXX includes incorrect information regarding 12 missed/late payments. These entries are inaccurate, as I have been enrolled in an approved deferment/forbearance program during the periods in question. This misreporting is now negatively impacting my credit profile and preventing me from securing an apartment. 
I have contacted the servicer in an effort to correct this information but have not received a satisfactory resolution. As this error directly affects my access to housing and reflects an inaccurate credit history, I am requesting that the CFPB investigate this matter and assist in facilitating a correction with the reporting entity and credit bureaus. 
Attached are supporting document ( s ), including correspondence with my loan servicer confirming the deferment records. 
Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report accurately reflects my student loan payment history. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute inaccurate reporting on my student loan account that is currently affecting my ability to obtain housing. 
Specifically, the payment history reported by my student loan servicer XXXX includes incorrect information regarding 12 missed/late payments. These entries are inaccurate, as I have been enrolled in an approved deferment/forbearance program during the periods in question. This misreporting is now negatively impacting my credit profile and preventing me from securing an apartment.

I have contacted the servicer in an effort to correct this information but have not received a satisfactory resolution. As this error directly affects my access to housing and reflects an inaccurate credit history, I am requesting that the CFPB investigate this matter and assist in facilitating a correction with the reporting entity and credit bureaus.

Attached are supporting document ( s ), including correspondence with my loan servicer confirming the deferment records.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report accurately reflects my student loan payment history. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute inaccurate reporting on my student loan account that is currently affecting my ability to obtain housing.

Specifically, the payment history reported by my student loan servicer XXXX includes incorrect information regarding 12 missed/late payments. These entries are inaccurate, as I have been enrolled in an approved deferment/forbearance program during the periods in question. This misreporting is now negatively impacting my credit profile and preventing me from securing an apartment.

I have contacted the servicer in an effort to correct this information but have not received a satisfactory resolution. As this error directly affects my access to housing and reflects an inaccurate credit history, I am requesting that the CFPB investigate this matter and assist in facilitating a correction with the reporting entity and credit bureaus.

Attached are supporting document ( s ), including correspondence with my loan servicer confirming the deferment records.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report accurately reflects my student loan payment history. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I recently obtained my credit report from XXXX and found several errors that need to be corrected. I am formally asking for a complete reinvestigation of the accounts and personal information listed below, as allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ). This letter also serves as a dispute, a request for the method of verification, and a request for full file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

To be clear, this is a specific and valid dispute. I am not requesting generic responses or pre-written form letters. I personally prepared and submitted each of my disputes, including the necessary identification and documents to help process them correctly. Under the Fair Credit Reporting Act, you are required to perform a full and honest reinvestigation of the item in question, including all related information, codes, and data, not just the tradeline.

Disputed Items 1. Late Payment ( Closed/Paid ) ATLCAPBKSELF Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are reporting inaccurately and/or can not be verified as required by law. If any aspect of these tradelinesincluding balance, status, payment history, remarks, or date openedis inaccurate or unverifiable, you are legally obligated to delete them entirely under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-05-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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