vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 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: IL

Complaint narrative:
I am filing this complaint against the following furnishers of credit information, as they have reported inaccurate and harmful late payment information that I dispute as being erroneous, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Accounts in Question : XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX  High Balance : {$720.00}, Date Opened : XX/XX/XXXX Reported with Late Payments. 

XXXX Account ending in XXXXXXXX XXXX, High Balance : {$12000.00}, Date Opened : XX/XX/XXXX Reported with Late Payments. 

Basis of Complaint : These late payment entries are inaccurate, unverifiable, and damaging to my credit profile. 

Both furnishers have failed to provide complete and accurate documentation validating the reported late payments. 

Reporting unverifiable and inconsistent data is a violation of FCRA 607 ( b ), which requires furnishers to maintain maximum possible accuracy in credit reporting.

Continuing to report negative information without proper investigation and documentation also violates FCRA 611, which gives me the right to dispute and request reinvestigation of inaccurate information.

Harm Caused : These inaccurate negative marks are causing significant harm by : Lowering my credit score unfairly.

Interfering with my ability to obtain fair credit opportunities.

Misrepresenting my payment history in a way that does not reflect accurate or verifiable records.

Requested Resolution : I am requesting that the CFPB conduct a full investigation into these accounts and require the furnishers to : Provide full validation and documentation proving the accuracy of the late payment reports.

If proper validation can not be produced, the inaccurate late payment entries must be immediately removed from all credit bureau reports ( XXXX, Equifax, and XXXX  ).

Ensure compliance with the FCRA and FDCPA regarding accurate and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
b'I took our a loan from Opp Loans XXXX and XXXX XXXX  I had been aming payments then had difficuty as 2 payments where returned and contacted Opp Loans to arrange payments.  The loan was not 2 months late and was sent to Collection Company January.  I contacted January who already showed my missed payments and arranged a settlement with them as the loan had a very high intreset rate (that I now find out is illiegal in the XXXX XXXX XXXX).  I do have documentation of the settlement offer and payment dates.  During this time I beleive is when it was reported as a write off while I was making payments.  As you can see on my credit report. I had made my payments as agreeded XXXX XXXX and on XXXX made a large payment of XXXX as I am trying to pay this and have removed from my credit.  On XXXX I looged back into the XXXX  Website to make another large payment and saw they where no longer servicing the loan.  I called and got nowhere but to call Opploans who was their customer as they had asked for the loan back.  On XXXX when I call Opploans was unware of anythig and said to call January.  I called Opploan back XXXX they where cluless on why the account was back and offfered to settle at a larger amount than there collection agency.  I disputed this as I already had an agreement.  I was on hold for a very long time and again I was told I would get a call back and nothing.  I let them know that I just want to pay the account have this off my credit show a zero balance.  I want to pay the amount that I agreed upon with January of less is possible as the loan intrest was out of contol.  I take full responsiblity for getting the loan I should not have.  \n\nAmount financed XXXX  \nFinance charges per contract  XXXX\nAnnual Percentage rate per contract XXXX\nOriginal Balance given to January for collection XXXX\nSettlement with January XXXX per month 6 months 1 final payment XXXX XXXX XXXX\nPayments make XXXX XXXX XXXX should be remianing \nOpp loans offered to settle for XXXX XXXX have all emails and can verfiy all .\n\nThank you for the help. \n\nMary Melissa Xydakis'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Dear Robinhood Compliance, I am following up regarding the restriction on my withdrawal request. I would like to point out a clear inconsistency in the way Robinhood is applying margin rules to my account. 

As of XX/XX/scrub> 2025, my portfolio value is {$7300.00}, with a maintenance requirement of {$5500.00}, leaving a buffer of {$1700.00}. By the standard maintenance margin test, I should be able to withdraw {$200.00} without issue, since my equity after withdrawal would still exceed the maintenance requirement by more than {$1600.00}. 

Your representative claimed this restriction is based on Fed requirements. If this is intended to reference Regulation Ts 50 % initial margin requirement, the math does not justify the {$93.00} cap either. Even after a {$200.00} withdrawal, my equity ratio remains comfortably above 50 % of my total account value.

In other words : Maintenance margin test : {$200.00} withdrawal is acceptable.

Reg T 50 % test : {$200.00} withdrawal is acceptable.

Yet Robinhoods system is capping me at {$93.00}, which is inconsistent with both tests.

This suggests either : Robinhood is misapplying Reg T / margin requirements, or Robinhood is imposing additional internal restrictions that are not disclosed to customers. 
I am requesting : A written explanation of the exact formula Robinhood is using to calculate my withdrawable amount.

Clarification of why my withdrawable cash is capped at {$93.00} when both the maintenance and Reg T calculations indicate {$200.00} is permissible.

Confirmation of whether Robinhood has imposed undisclosed house rules stricter than federal or FINRA requirements.

If this is not resolved, I will escalate this matter to FINRA and the SEC for investigation into whether Robinhood is misrepresenting withdrawal limits or unlawfully restricting customer funds. 

Sincerely, XXXX XXXX Username : XXXX XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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 disputing inaccurate reporting of a XXXX XXXX XXXXXX/XX/XXXX( account ending XXXX ). 

After disputes with all 3 bureaus, Ive now realized that XX/XX/XXXXand XX/XX/XXXXdeleted the account, but TransUnion continues to report it as a charge-off with a {$1400.00} balance, creating inconsistent and inaccurate reporting. 

On XX/XX/year>, XXXX received my certified dispute letter ( FCRA 623 ( a ) ( 8 ) ), yet instead of investigating, they sent me a stall letter claiming they could not locate the account while still reporting it monthly and assigning XXXX XXXX XXXX XXXX to collect on it. XXXX failed to conduct an investigation as required by law, and instead sent a generic form letter despite already having all identifying account info... 

This is a violation of the FCRA. I am requesting immediate deletion of this tradeline from TransUnion and verify its deletion across all 3 bureaus, to correct the inconsistency across them all. 

Down Below Ill attach - 623 Dispute Letter ( XXXX ) XXXX Proof of Delivery ( XX/XX/year> ) XX/XX/XXXXStall Response Letter - TransUnion credit report ( showing charge off ) XX/XX/XXXXCredit Report ( account deleted ) XX/XX/XXXXCredit Report ( account deleted ) -XX/XX/XXXXXXXX Collection Letters!

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 2025-09-12 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:
Please be advised that Ive identified a possible error on my account concerning a late payment. I ask that it be reviewed and corrected quickly.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AL

Complaint narrative:
I am filing this complaint regarding unlawful debt collection activity in violation of the Fair Debt Collection Practices Act ( FDCPA ) and my constitutional right to due process. 

On XX/XX/XXXX, a judgment was entered in the above case without my knowledge. I was never properly served with the summons or complaint and received no notice of any court hearing or ruling. I only became aware of this judgment in XX/XX/XXXX, when I was notified that a garnishment had been filed against my wages. 

Because I was not served, the judgment is void under Rule 60 ( b ) ( 4 ), Alabama Rules of Civil Procedure. Proceeding with garnishment without proper notice violates 15 U.S.C. 1692d, 1692e, and 1692f of the FDCPA ( harassment, false representations, and unfair practices ). 

Furthermore, XXXX XXXX XXXX failed to provide a proper debt validation notice as required by 15 U.S.C. 1692g. Their collection activity by way of garnishment deprived me of the opportunity to dispute or validate the alleged debt, which is a denial of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: WA

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

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 2025-09-12 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: PA

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 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 2025-09-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXXas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting contradictory and inaccurate information on my XXXX XXXX account. It is listed as both charged-off and still owing a balance of {$2400.00} with 91 % paid off. Transunion also leaves key fields like the original creditor blank. Their system states dispute resolved, but no proper reinvestigation was performed. Under the FCRA, this account is inaccurate, misleading and unverifiable, and therefore should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is essential that my Equifax credit report accurately reflects this address and that my credit file becomes fully visible in my credit monitoring services. At this time, my Equifax credit report is not showing in my monitoring, and I believe this may be due to the outdated or incorrect address on file.

To support this request, I have attached a copy of my proof of address and drivers license for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax was contacted by phone on XX/XX/year> 2 times to access my credit file. Equifax has not provided me access to my credit file asking questions that do not pertain to myself or that are on the credit file. My Identity was verified on XX/XX/year> when advised that a file block was being removed from the credit file. The call placed on XX/XX/year> was to check on the removal of the file block and as it still appeared on Equifax.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am filing this complaint against Concora Credit Inc., the issuer of both my Indigo and Milestone credit cards, for the following repeated issues : Unauthorized Charges : I continue to be charged Credit Protection Fees on both accounts, despite never enrolling in or consenting to any such service. 

I have called multiple times to request cancellation of this service, but the charges continue to appear monthly. This amounts to forced billing for an unwanted product. 

Overlimit Fees : Both accounts routinely charge Overlimit Fees even though the balances are being inflated by the unwanted " Credit Protection Fees '' themselves. This is a compounding issue of unauthorized billing leading to further penalty charges. 

Late Fee and Past Due Status Despite Timely Payment : I made my minimum payment on the Indigo card via the mobile app on the due date ( XX/XX/year> ). 

Despite this, I received a text message stating that my account was past due, and a {$30.00} late fee was applied. 

I contacted customer service immediately, and during the call ( which I recorded ), the representative acknowledged that : I made the payment on time. 

The account is marked as past due solely because the payment had not yet posted. 

The rep openly admitted that even if the payment is made on the due date, the account will show as past due until it posts, which could take multiple days. 

This practice can unfairly damage my credit and violates reasonable credit reporting standards. I have attached a full transcript and audio of the call where this admission was made

Company response to consumer: Closed with explanation