vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robinhood closed my account after the XXXX and ape dividend which took XXXX from me Not including options I started trading before XXXX but have my account closed due to others actions Insider trading or manipulation I have lost everything Money that was from a personal pain and suffering settlement Robinhood closes my account without explanation Same has happened with tasty trade and others They close my account and dont say why I have been victim of market manipulation for years They pumped XXXX on robinhood directly after I bought it for the first time It turned {$20.00} into {$200.00} XXXX sold I rebought {$200.00} into {$2000.00} XXXX sold that was the most money I had ever seen in XXXX. 

I tried to rebuy but robinhood has froze my account Dogecoin went to {$1.00} and XXXX went on snl to tell people to sell it I couldve made {$40000.00} instead my XXXX sank to my stomach as my mom asked if I made anything I couldnt buy in because robinhood froze my account Ever since it seems XXXX has manipulated the market and prevented me from ever making money Simultaneously taking all my money I want a full refund from every dollar I have put into XXXX or stocks or options I have reached out to them multiple times and I take the penalty locked account When they are the bad actors and they have hurt me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I discovered multiple unauthorized accounts on my credit reports that I did not open, including credit cards and collection accounts from XXXX XXXX Bank, XXXX XXXX, XXXX, and XXXX Funding. These accounts were fraudulently established and do not reflect any transactions I made. My personal information was clearly used without consent, constituting identity theft. Under 15 U.S.C. 1681c-2, I formally request a block on all information resulting from this theft. Additionally, under 1681s-2, furnishers are required to report accurate data and correct or delete disputed information that is not verified. These provisions support the immediate removal of these items from my credit files.

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint to formally request assistance with Ally Financials refusal to allow me to reinstate my auto loan, despite clear financial capacity and a documented medical hardship that temporarily impacted my ability to pay. 

My XXXX XXXX XXXX XXXX XXXX through Ally, was repossessed on [ Insert Date ] after I fell behind on payments during a XXXX-month period due to a serious health issue. I have since returned to full-time employment and am financially able to bring the loan current immediately, including any repossession and storage-related fees. 

I promptly submitted a reinstatement request to Ally 's XXXX and XXXX on [ Insert Date ], attaching the following documentation : XXXX XXXX verifying {$2.00} XXXX in earned income XXXX Form XXXX showing {$100000.00} XXXX nonemployee compensation Fund statements showing {$920000.00} in active investment holdings Proof of a {$40000.00} down payment made at the time of purchase Despite this, Ally has indicated that because repossession occurred, reinstatement is no longer an option and they are demanding full payment of the {$83000.00} balance. This position, while contractually permissible, does not account for the borrowers equity position, post-hardship recovery, or good-faith request to cure the default and continue with loan terms as originally agreed. 

I have asked Ally to respond within XXXX hours of submission, but have received no formal acknowledgment or decision. The auction window ( 15 days from repossession ) is active, and I am at risk of losing the vehicle and my down payment despite full financial ability to resolve the matter today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I found a rental listing for an apartment located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, on the website Sublet.com. After submitting an inquiry, I was contacted online by someone claiming to be a realtor named XXXX. He directed me to continue our communication via email at XXXX. 

XXXX informed me about the rental details and sent me an application to complete. After I submitted the application, I was told that I had been approved for the apartment. He then stated that, in order to receive the keys, I needed to pay a {$1000.00} security deposit along with the first months rent of {$2000.00}, for a total of {$3000.00}. 

After making that payment, I was unexpectedly told that an additional {$2000.00} payment was required. I became suspicious and requested a refund. At that point, all communication from XXXX XXXX ghosted me. 

I contacted my bank ( XXXX XXXX XXXX in XXXX, FL ) to dispute the charges and report the incident as fraud. However, my dispute was denied. The bank informed me that they could not reverse the transaction, stating that the loss was due to my own actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA 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 2025-06-21 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-21 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: FL

Complaint narrative:
I submitted a CFPB complaint against Resurgent Captial Services because they are reporting an inaccurate derogatory account to my credit bureaus. Upon review of their response, it fails to satisfy the legal requirements for proper debt validation under federal law and includes materially insufficient documentation to continue reporting this account to any credit reporting agency. Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I exercised my right to dispute the validity of this debt and request proper validation. The documents you provided including a billing statement and an unsigned credit application labeled Applicant Retain This Copy do not constitute legal validation or establish that I owe this alleged debt. Specifically, you failed to provide : * A signed contract or agreement showing liability, * A complete chain of title showing LVNVs legal right to collect, and * A full itemized accounting of the amount allegedly owed. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), you are obligated to conduct a reasonable investigation once a dispute is submitted to the credit reporting agencies. Continuing to report a tradeline to the bureaus without full verification constitutes inaccurate and incomplete furnishing. Your correspondence indicates that you intend to continue reporting this tradeline unless I provide additional information this is improper. The BURDEN OF PROOF is on the FURNISHER, NOT the consumer. I also note your reporting includes an Open Date of XX/XX/XXXX, while acknowledging the debt was charged off in XX/XX/XXXX and became delinquent in XX/XX/XXXX. If you are reporting an Open Date that does not align with the Date of First Delinquency, this may constitute re-aging of the account and violate FCRA 1681c ( a ) ( 45 ). I now formally demand the following : * Immediate removal of this tradeline from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ), * Written confirmation that you have ceased collection efforts and credit reporting, or * Complete validation as required under FDCPA, including a signed contract and full account history. This complaint is now being escalated to the Federal Trade Commission ( FTC ) and the State Attorney General 's Office. I reserve all rights under state and federal law, including the right to seek damages and injunctive relief for continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-21 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00}

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I began receiving notifications that disparaging information was appearing on my credit report form XXXX. I looked at my latest statement from XXXX and it suddenly showed a XXXX cent balance, and the account was in a charge off/closed state. I looked back through XXXX months of statements, and it showed a XXXX balance due. When I finally spoke to someone, they claimed that it was XXXX cents for something back in XXXX of 2024, but no amount was ever requested. All statements show {$0.00} due, and no contact or any type of correspondence has ever occurred on this account, either asking for/demanding the XXXX cents due, or explaining what happened. Additionally, the account had auto-pay enabled for at least the minimum amount due, and there was over XXXX XXXX in the checking account from which auto-pay could have sourced funds. They did not auto-pay the XXXX cents, because the balance showed XXXX. I spent XXXX months trying to get this resolved on all three credit ratings, which finally was resolved, but I was damaged in public because of their actions. Additionally, even though I never violated the terms and conditions of the account, they refused to reopen it after they admitted it was a mistake and waived the erroneous XXXX cents and charge-off. 

The company refuses to provide me any details in writing about the debt owed, or what happened that caused the issue. I tried to work internally with the organization but they are refusing to work further with me and restore me to the same position I was in before. The closing of the account, for which I had not violated the terms and agreements, and always paid with auto-pay or on demand when asked, was itself a violation of the contractual requirements to notify me if they are planning on closing the account with adequate notice, since I had not mishandled it in any way. The closing of the account re-aged my oldest accounts on my credit report and will cause me long-term damage. Even if the charge-off was reversed as the closing status. At this point, I have no choice but to bring this matter externally.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
They have been told repeatedly in text to stop harassing me and continue more than a half dozen attempts. I am a XXXX XXXX  with XXXX and this causes me medical distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00}

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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> Cash App ( Square Inc. ) abruptly closed both my business and personal prepaid accounts. I really truly believe this was because some transactions were labeled for XXXX XXXX XXXX Both related to the XXXX Beliefs My cashapp is $ XXXX Business account : Used strictly for legitimate business transactions. 
Personal account : Used to send and receive funds for my husbands XXXX religious observances, including monthly fast-breaking meals and XXXX celebrations. 

Cash App claimed my activity involved gambling, which is completely false. All transfers were clearly labeled ( e.g., XXXX, XXXX ) and reflected our religious practice of fasting and celebrating XXXX each month. 

By shutting both accounts and citing gambling without evidence, Cash App effectively penalized us for our religious activity. I believe this constitutes discrimination against XXXX observances and violates federal consumer-protection and civil-rights laws.

I request : 1. Written proof of the alleged gambling activity.

2. Immediate reinstatement of both accounts ( business and personal ).

3. A review of Cash Apps policies to prevent future closures based on religious use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I am filing this complaint due to the failure of the credit bureaus to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable investigation into the disputes I submitted. I provided notice of inaccurate and negative information on my credit report, yet the bureaus have continued to report this information without proper verification. This ongoing inaccuracy has damaged my credit score, restricted my access to financial opportunities, and caused serious personal and financial hardship.

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