vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I initially deposited {$39000.00} to my Robinhood account on XX/XX/year>. 

I then attempted to withdraw the funds to an external bank account in my name on XX/XX/XXXX but was blocked from doing so for no apparent reason. 

I was unable to contact customer support through the app as there is no input field available for me to describe the situation in the app interface. 

I was eventually provided with an email address for customer support, XXXX, after contacting the company via XXXX. 

The company replied via email and notified me that my account would be closed and that any " eligible '' funds would be returned to me. 

Despite further correspondence with customer service via email regarding the return of my funds I have still not received any information regarding when my funds will be returned. 

The external account I used to transfer funds into Robinhood, and the external account I attempted to withdraw to, are both in my name.

My funds have been held without my permission for over a month. Despite the account now being closed my funds have still not been returned to me.

Recent attempts by me to contact Robinhood for more information have only been met with generic copy paste answers that are the same as those previously provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I have reviewed my credit report and discovered late payment notations on two accounts that do not accurately reflect my payment history. Specifically : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Late Payment Reported : 30 days late in XX/XX/XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Late Payment Reported : 30 days late in XX/XX/XXXX I dispute the accuracy of these late payment reports. On both accounts, I was not delinquent or late on any payments during the time indicated. The reporting of these late payments is incorrect and could be a result of an error or delay in processing. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of any disputed information.

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 2025-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and discovered late payment notations on two accounts that do not accurately reflect my payment history. Specifically : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Late Payment Reported : 30 days late in XX/XX/XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Late Payment Reported : 30 days late in XX/XX/XXXX I dispute the accuracy of these late payment reports. On both accounts, I was not delinquent or late on any payments during the time indicated. The reporting of these late payments is incorrect and could be a result of an error or delay in processing. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of any disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report. These entries contain inconsistencies across credit bureaus, unverifiable balances, misleading reporting, and potential violations of the Fair Credit Reporting Act ( FCRA ). Some accounts are reported as charge-offs without proper IRS documentation , others show conflicting balances or delinquency history, and at least one repossession account lists inaccurate payment history. These inaccuracies are damaging to my creditworthiness and misrepresent my financial responsibility. 
I am disputing the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5000.00} only on XXXX reporting no reported in others bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$1500.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} and I request that it be corrected or updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-25 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I tried to get a paycheck advance but was told I didnt qualify due to not having direct deposit going into their acct. however as per the terms of service issued by the company a person can qualify by setting up direct deposit OR linking an external acct that has recurring direct deposits deposited into that acct which I do of course. Upon speaking with customer service they said I need direct deposit into their acct to qualify which is contrary to their printed XXXX. Even after showing where in their XXXX  it plainly states that can qualify via external acct deposits they continue to refuse my qualification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: WI

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Reported Balance : {$19000.00} According to my credit report, this account is showing a late payment history and inaccurate reporting. Specifically : 1. Late Payment Error : The account history incorrectly reflects a XXXX-day late payment. I have made payments as agreed, and this derogatory mark is inaccurate. 
2. Inconsistent Reporting Across Bureaus : XXXX  and XXXX  are reporting this account as Current, while Equifax inaccurately reports a late payment. This discrepancy demonstrates a reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I found multiple inaccuracies in my personal information and hard inquiries. The following names and addresses are incorrectly associated with my credit file : Names : XXXX A XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, the following inquiries are listed on my credit report, but I have no record of authorizing these inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These discrepancies, including the inaccurate names, addresses, and unauthorized inquiries, are violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information, and under FCRA 607 ( b ), consumer reporting agencies are required to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-25 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:
I respectfully challenge the reporting of accounts not opened by me. Conduct a full audit and strike these entries from my file. Relevant exhibits are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} Chargeoff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple charge-off accounts that are reported inconsistently across credit bureaus and may be inaccurate. These include : XXXX XXXX CO Account Number XXXXXXXX XXXX Balance Owed : {$0.00} Not reported on other bureaus Discrepancy : Inconsistent reporting XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$760.00} Date Opened : XX/XX/XXXX Not reported on TransUnion Discrepancy : Inconsistent reporting XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Balance Owed : {$740.00} Discrepancy : Reported differently across bureaus XXXX  XXXX Account Number XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8300.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Balance Owed : {$890.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX  XXXX Account Number XXXX XXXX XXXX Balance Owed : {$810.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXX XXXX XXXX Balance Owed : {$510.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX XXXX XXXX Reference # XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Discrepancy : Not reported on other bureaus These discrepancies violate my rights under FCRA 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute any inaccurate information and request a reasonable reinvestigation. The inconsistent reporting across bureaus creates confusion and undermines the accuracy of my credit history.

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 2025-08-25 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-25 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: WI

Complaint narrative:
I am writing to dispute inaccurate information appearing on my TransUnion credit report. The account in question is : Creditor Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Balance : {$19000.00} Upon reviewing my credit report, I have identified the following inaccuracies : 1. Late Payment Reporting Error : My account is being reported as 30 days late, which is inaccurate. I have made payments as agreed, and this derogatory mark should not appear on my report. 
2. Inconsistent Reporting Across Bureaus XXXX XXXX XXXX XXXX  both list this account as Current, while TransUnion is inaccurately showing a late payment. This inconsistency clearly reflects a reporting error.

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 2025-08-25 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: VA

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