vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am filing a complaint regarding Robinhood Financial and their mishandling of an event contract trade that was executed based on incorrect and misleading market data provided by Robinhood. 

On XX/XX/XXXX, while trading a college football prediction market contract, Robinhood displayed an incorrect score of XXXX points for XXXX XXXX, causing the market odds to spike abnormally. Based on this score, I purchased a contract at {$0.00}. Shortly afterward, Robinhood revised the score down to XXXX, proving the original score was wrong and had been incorrectly fed to the platform. 

This false score directly caused me to enter a trade at a price that would not have existed if Robinhoods data were correct. 

I contacted support and spoke with a supervisor ( XXXX ), who : Admitted the score was incorrect Acknowledged the price was impacted by the incorrect score Confirmed that the data provider fed wrong information Stated he did not investigate the evidence himself Stated Robinhood bears no responsibility for incorrect information they display Refused to escalate the case beyond himself Said no one at Robinhood has the ability to cancel or correct the trade This contradicts Robinhoods own published disclosures and industry expectations for handling trades affected by erroneous market data.

My funds remain lost due to Robinhoods incorrect score display, and they refused to provide any remedy, correction, or legitimate review.

I am requesting CFPB assistance in requiring Robinhood to : XXXX Review the incorrect data feed that caused the mispriced execution XXXX. Reverse or compensate the trade that was executed under false information XXXX. Provide escalation to an actual compliance or regulatory representative XXXX. Stop denying responsibility for inaccurate financial data that directly impacts user trades I have screenshots, chat transcripts, and a full recording of the supervisor confirming the data feed was wrong and refusing escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX said : Dear XXXX, I am submitting this formal dispute regarding multiple accounts that have been inaccurately reported on my credit report. I am requesting that these items be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$6000.00} XXXX OF XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$920.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$5300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$850.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$860.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} INQUIRIES : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENTS : XXXX, XXXX CAPITAL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-01 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding several fraudulent accounts that are not mine. 

In XXXX of this year, I submitted a valid FTC Identity Theft Report, a copy of my ID, proof of address, and complete documentation of every fraudulent transaction tied to the affected accounts ( XXXX XXXX and XXXX XXXX  XXXX accounts ). These accounts were used without my authorization and are now closed, yet they continue to appear on my credit reports. 

Despite providing all legally required proof, the creditors have refused to assist me and repeatedly sent me in circles ( contact the credit bureau contact the creditor ), resulting in months of non-compliance and no resolution. 

Under FCRA 605B, once a consumer submits a valid identity theft report, the fraudulent accounts must be blocked within XXXX business days. The companies involved have failed to do so. I am requesting immediate enforcement so these fraudulent accounts are permanently blocked and removed from my reports, and that all parties comply with their legal obligations. 

Please investigate and require Experian  to remove these fraudulent accounts from my credit file immediately. 

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 2025-12-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I believe the information to be inaccurate and incomplete. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$30.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$8500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this statement to address the accounts in dispute on my credit report. The following are the details of the accounts I am disputing across each of the credit bureaus. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$990.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX, XXXX, XX/XX/XXXX, {$2200.00}

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 2025-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report. These accounts are listed as " XXXX XXXX '' or have inaccurate reporting that needs to be corrected. Please review and investigate the discrepancies. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$5800.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$6800.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$2900.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$3100.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$6800.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$7200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$9300.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XXXX, XX/XX/XXXX XXXX {$170.00} XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$200.00} XXXX, XXXX, XX/XX/XXXX, {$3100.00} XXXX XXXX XXXX, XX/XX/XXXX, {$74.00} XXXX  XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$9400.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX, XX/XX/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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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.

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Dear Sir/Madam, I am a consumer in the process of fixing my credit and have identified discrepancies in my credit reports. Below are the details of the accounts I am disputing across each credit bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I am writing in response to your communication dated regarding an alleged debt. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

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 2025-12-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent Accounts and related information on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
I recently became aware of several unauthorized Accounts that were opened in my name without my knowledge or consent. These accounts are the result of a data breach and identity theft, and I have never had any business relationship or transactions with the entities in question. 
Under 15 U.S.C. 1681c-2 ( a ), I hereby request that XXXX block and remove from my credit report all information that I identify as the result of identity theft. The Accounts I am disputing are as follows : XXXX XXXX XXXX XXXX Account Number XXXX Please investigate this matter and confirm in writing that the fraudulent Accounts have been blocked and permanently removed from my credit file. If any additional information or documentation is needed, do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I filed a claim with this agency against Synchrony XXXXk COMPLAINT ID of XXXX for charging late fees and interest when my payments were never late or short. Synchrony refunded my late fees and interest charges on my XXXX statement ; however, there appeared an additional interest charge of {$5.00} on this same statement. And after that, late fees and interest charges have continued to appear on my statements. I called them on XX/XX/XXXX. After being on hold for XXXX minutes, a customer service rep came on the phone. After XXXX minutes of him supposedly looking up my account, he cut me off. I received a call from Synchrony bank for bill collection XX/XX/XXXX. When I chose to speak to a customer service rep, the call was terminated.

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 2025-12-01 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
i received a letter from XXXX XXXX for a garnishment of XXXX account that I no longer have, I contacted the courts to get info and confirm it was real from Portfolio Debt collection, I called Portfolio to get info, dates, debt, details.I learned they sold the debt to Levy Assoc who will not give info or negotiate because they need a letter directly from XXXX on closed account. XXXX provided me with a letter via email of acct closure, and waiting to provide to Levy who states they only take it from XXXX but XXXX will only FAX to collector, Levy does not provide a FAX for that service.. I can not get information and a negotiated payoff from LEVY ... I can not get to a human at LEVY XXXX wait on hold for hours then it tells you associate not avail, call back and hangs up after waiting on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
My financed vehicle, a XXXX XXXX XXXX, was stolen during a legitimate rental under a signed rental agreement. The vehicle was never recovered. I immediately filed a police report and submitted a claim to my insurance provider, but no payout was issued to cover the loss. As a result, I have been left with a remaining loan balance of approximately {$60000.00}. 

I contacted Santander Consumer USA and submitted all requested documents, including the police report and insurance denial letter. Despite providing proof that I am the victim of an unrecovered theft loss, Santander has refused to offer any hardship assistance, payment relief, settlement option, or partial balance forgiveness. They stated that there are no options available even though I no longer possess the vehicle and can not reasonably continue making payments on a stolen asset. 

I am seeking the CFPBs assistance because I am being held financially responsible for a vehicle that was stolen and never recovered, and Santander has declined to provide any meaningful resolution after multiple attempts on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This complaint is against ford credit. For credit repo, my car in the middle of the night without warning. This was a wrongful repossession. I got no letters about there.Was a problem with my account. I got no emails if there was a problem with my account.And I got no phone calls or text messages. When I tried to get the car back, they told me I can't get the car back. Even when I was willing to pay for it. They said, i'm not allowed to have my car back. I spoke to them today.They were very nasty with me. The first representative I spoke to this morning said I could get my car back, and then when I called at XXXXXX/XX/XXXX when they told me to, they said I could not get it back at all. There was so much miscommunication. I only have one car between me and my wife. That is the car that they took. I have a XXXX and my wife has a XXXX. Only my wife requires medical treatment.Every single week. There's no way my wife could get to any of her doctor appointments.Anything or do any of her treatments without the car. I also can not get to work. They also had my wife 's medical supplies in their equipment and stuff like that.And I had my work clothes and they told me I could not even get my belongings. Then, when they finally gave me the info for the place where the car was at, they told me that the repo place is closed for the dead even though I was calling since XXXXXX/XX/XXXX this morning to ford. Telling them how important my wife 's stuff is in their car. My wife need some medical stuff that is in that car. Without a car, I won't be able to work.And my wife won't be able to get her medical treatment.I need help. Please.I am begging anybody to help me to have some sympathy here and compassion. This is the holidays. Please I beg of all of you not to leave me without a car. I don't know what happened. When I spoke to them this morning, they said it was for nonpayment, but I was about to pay them when my account was compromised by XXXX XXXXI have the proof for that. Somebody wiped out my bank account. My bank account was closed down during the investigation, so I have to wait for my payroll checks to come in.The mail which I did not receive yet. Please.I am begging anybody at this point to help me. My wife 's help will decline if I don't get this car back. She will get worse. Please, if anybody has any sympathy or compassion out there they will help. I'm willing to pay for my car. But I also need my stuff that is in that car too today.No later than that. How can they do this 2 people that has a XXXX. Whoever took my car could see myXX/XX/XXXX I'm exit for any help out there. 

XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with explanation