vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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 credit analysis disregards my authentic financial record.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/year> Total Amount : {$260.00} Disputed Amount : {$260.00} On XX/XX/year> I had made a purchase by mistake with XXXX XXXX. I purchased XXXX points thinking that I was purchasing a flight. I contacted XXXX XXXX and they said that they do not issue refunds. I explained that this purchase was by mistake that I am interested in buying a flight not points, I explained that they can take the points back and assist me with purchasing a flight and they did not assist. I then reached out to my bank Sofi to dispute transaction. Sofi stated that they will investigate and it can take about 10 business days. 
I followed up again with Sofi after the business days passed, and they did not provide any information. I contacted XXXX XXXX again and they stated that they will issue refund and I would receive in 7 business days. The points that I had purchased were removed from my account by XXXX XXXX but no refund was issued. I currently do not have the points that I purchased ( by mistake ) or the money that I spent. 
Sofi reached out again and stated that this can take 90+ days. I explained to them and showed proof of XXXX removing the points and not giving refund, this still did not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to Bank of America to update my last name on my checking account after marriage. I provided my marriage certificate, my expired XXXX XXXX, and my Form XXXX receipt notice ( Form XXXX ), which extends my permanent resident status and Green Card validity for XXXX months. 
Despite USCIS policy clearly stating that an expired XXXX XXXX with a valid XXXX receipt notice is sufficient proof of lawful permanent residence, the bank refused to accept my documents. They told me they could not process my request because my XXXX XXXX was expired. 
This refusal is preventing me from updating my legal name on my account and managing my account properly. I am requesting that Bank of America recognize and accept my valid immigration documents in accordance with federal regulations and USCIS policy. 
Official USCIS reference : 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 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX  I received an automated text message in regards to a debt. The message was sent from FirstPoint Collection. The first message was a PDF followed by a text stating the communication was in regards to a debt they were attempting to collect on. I am extremely concerned on the tactics they are using. They sent this information with absolutely no validation that this was my contact number. The PDF is not protected at all. Once its clicked it just opens. Within this PDF is my name, address, amount of debt owed, among other various details that I have not given permission to release. Nor have I opted in to be texted by this debt collector. I feel that this violates several areas of the FDCA and this debt collection company should be investigated. Images attached of text message as well as the pdf that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



XXXX has reported an alleged debt on my consumer credit report without ever providing me proper notice of the debt or affording me the opportunity to dispute it. Specifically : Failure to Provide Validation/Notification I was never notified by XXXX of any alleged debt, as required under 15 U.S.C. 1692g ( a ) of the FDCPA. 

XXXX failed to send a written notice containing the amount of the debt, the name of the original creditor, or my rights to dispute and request validation within 30 days. 

Unlawful Credit Reporting ( Parking ) XXXX placed a negative entry on my consumer report without communicating with me, also known as debt parking. This action violates the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing information to consumer reporting agencies that is incomplete, inaccurate, or unverifiable. 

Violation of My Right to Dispute and Validation Under the FDCPA, I have the right to dispute an alleged debt and request validation before any collection activity continues. XXXX denied me this right by reporting the debt without prior notice or verification. 

Under the FCRA, I am entitled to accurate and fair reporting of information on my consumer file. Furnishing information without notice or validation constitutes unlawful and deceptive collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-15 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Dear creditors I am writing to formally report that accounts have been fraudulently opened in my name as a result of a data breach. This breach has compromised my personal information, including my Social Security number and other identifying details. 

I recently discovered these fraudulent accounts when I reviewed my credit report and noticed several inquiries and accounts that I did not authorize. These may have been initiated due to the unauthorized access of my personal information.

I request your immediate assistance in addressing this situation : 1. Investigate : Please investigate these unauthorized accounts opened in my name. I want to ensure that they are closed promptly and that my credit report reflects this.

2. Hold my Accounts : I request that you place a hold on my legitimate accounts to prevent further unauthorized access.

3. Fraud Alert : Please place a fraud alert on my accounts to protect against additional fraudulent activity.

4. Documentation : I would appreciate documentation confirming the actions you will take regarding this matter.

Please respond to this letter as soon as possible to confirm the receipt of my request and to update me on your progress in resolving this issue. If you need further information to assist with your investigation, do not hesitate to reach out to me at the phone number or email address listed above. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been wrongfully attached to my credit report. These accounts were never authorized, opened, or used by me and their presence represents false, misleading, and damaging information. The inclusion of such accounts undermines the accuracy, completeness, and integrity of my credit file while also misrepresenting my financial responsibility.

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 2025-09-15 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:
These erroneous accounts must be deleted within 15 days as mandated by USC 1681g.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-15 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: TN

Complaint narrative:
My identity was stolen years back. I have all the protections such as fraud alerts and more. However creditors are still running my credit without my 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
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank is constantly causing me pain and suffering by withholding my refund. The merchant sent my refund to the bank on XX/XX/2025 but Citi Bank is refusing to post it in my available account making it available to me. The merchant also gave me an XXXX XXXX to track my refund and the bank said that's just for the merchant only and they refuse to do anything about my refund. Citi bank be quick to release funds and substrate funds from my account but when it's time to put funds back in a account they give the customers a hard time. Citi bank also took extra money out my account of {$13.00} cause my account to over drawn on XX/XX/2025 when I only made 3 transactions that day 2 from XXXX and one from XXXX of a {$98.00} dollar balance. Please see stranscrict from merchant attached please and 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 2025-09-15 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:
Kindly eliminate these invalid accounts within 15 days as per USC 1681g.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i received a credit card update from XXXX XXXX and XXXX of their services is information from the dark web. 

It had my name, social security number, date of birth not an old address. 

i would like to large a complaint with your agency as well as to all three credit bureaus.

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 2025-09-15 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: CO

Complaint narrative:
As required by USC 1681g, delete these inaccurate entries within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood restricted my account after I attempted to transfer some of my crypto to my cold wallet. This was on the XXXX of XXXX. The account was to be freed, or a determination made, by the XXXX of XXXX. I called the customer support because I couldn't allow access to my bank statements from my PC, which I find highly intrusive, but was working to do it anyway. Since their security protocols require XXXX " selfies '' which my PC is not capable of, I had to use my phone. My phone wasn't set up to provide the documents from my bank. A proverbial catch XXXX. The level of frustration with Robinhood is ridiculous. They provide no phone number but do provide a chat feature. Problem is, they don't allow you to actually ask a question with it. 

After searching online for an actual phone number, I was able to call customer support. They could not, or would not, give me any definitive answer as to why my account was restricted. I was told that they would continue their review of my account. I kept checking and my account has remained frozen except now the phone app, which is the only way I can now get past the initial sign in, says that I have to provide additional bank statements. They already have FULL access to my bank account! Furthermore, I can not highlight the XXXX buttons that allow me to supply the very statements they are requesting! What a joke! 

This morning, XX/XX/XXXX, I called customer support again. I explained what was going on. I was put on hold twice while the rep spoke with the " dept '' reviewing my account. That's when the rep came back and told me that I would have an answer in another 4 days! Why in the year XXXX  does an exchange need 9 days to sort out whatever it is they seem bent on reviewing? Why are they asking me where I got the money I used to invest with in the first place? How is that relevant to freezing my account? It's less than XXXX total! In what world does any of this make sense? What is the justification, or policy, or regulation that makes these people think that they can simply take over an individual 's account indefinitely? What am I missing here? 

If you would please contact Robinhood and find out why they are doing this to people? I am not the only XXXX, there are many instances of this taking place based on the short amount of research I did on this issue. I was not able to find anything that stated an actual reason for doing this though. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I got two letters from the debt collection company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX saying that I owed money for The Home Depot accounts and they had no proof that I spent that money or those accounts were legitimate. When I called, they said to file a police report but I couldnt do it with the FTC it had to be with my local department.

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 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
I have worked consecutively at two PSLF qualifying entities for over 10 years, however ; the site has not updated my qualifying payment count. I have called multiple times over this year and was told various steps to complete with the most recent being " submit '' my w2s as proof of employment at these places. I did that but my request for updated payment count was inaccurate denied - wrong documentation submitted??? Each time I call, a new representative states what should have happened but no one fixes the problem - update my payment count. Today, I spoke with XXXX who stated I submitted the correct documentation and that my request should bever have been denied. She then stated she would submit a request that should take 3 to 5 business days. This is almost identical to what the last rep said over a month ago. XXXX also stated I could escalate the issue by submitting a complaint on StudentAid.gov. When I followed the link to submit the request, the site said the link was broken and they were working on it. I am convinced at this point, StudentAid.Gov has no intention of updating my account or they will not treat my account fairly and grant forgiveness of some my loans.

Company response to consumer: Untimely response