vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXXMy personal information has been used without permission theres so many things took place without my consent. XXXX  am also reason phone calls from people whose got my information from the dark web'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: VA

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 2025-05-22 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:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is submitted against TransUnion, LLC for its failure to comply with provisions of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605C / 15 U.S.C. 1681c-3 regarding the obligation to block adverse items from a trafficking victims credit file upon proper documentation ; FCRA 605B / 15 U.S.C. 1681c-2 regarding the obligation to block fraudulent items resulting from identity theft.

Despite receiving all federally required documentation, TransUnion failed to take timely action to block or remove the adverse credit data, in contrast to the prompt compliance XXXX XXXX XXXX XXXX 

Chronology of Events and Submissions : XX/XX/XXXX Identity Theft Block Request ( FCRA 605B ) I submitted a formal request to block fraudulent accounts stemming from identity theft. 

Included : FTC Identity Theft Report ( # XXXX ) Government-issued ID Police Report from XXXX XXXX XXXX XXXX ) Specific identification of fraudulent entries : XXXX XXXX XXXX XXXX Account XXXX XXXX * * XXXX XXXX dated XX/XX/XXXX Sent via certified mail. 

No action was taken by TransUnion within the required XXXX business days under FCRA 605B ( c ). 

XX/XX/XXXX XXXX XXXX Block Request ( FCRA 605C ) Submitted self-attestation letter affirming I am a victim of trafficking. 

Included : Government-issued ID Self-attestation signed and certified by an authorized anti-trafficking representative Identification of the tradeline to be blocked : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Again, TransUnion failed to comply with the XXXX blocking requirement under 605C ( c ).

Instead, I received a " XXXX Notice '' on XX/XX/XXXX, falsely claiming incomplete documentation despite the materials being complete and previously accepted by Experian, who deleted the item as confirmed on XX/XX/XXXX. 

Violations and Legal Grounds : 1. Violation of FCRA 605B ( Identity Theft ) TransUnion failed to block fraudulent tradelines after receiving an FTC Identity Theft Report, proof of identity, and specific item identification. 

No lawful denial, investigation update, or timely removal occurred within the XXXX window. 
2. Violation of FCRA 605C ( Human Trafficking ) TransUnion failed to block the XXXX XXXX tradeline following proper submission of a trafficking self-attestation. 

This is in direct violation of 15 U.S.C. 1681c-3 ( c ), which mandates the blocking of such information within 4 business days.

3. Willful or Negligent Noncompliance Private Right of Action Reserved Under 15 U.S.C. 1681n, I reserve my right to pursue a private cause of action for willful violations.

Under 15 U.S.C. 1681o, I further reserve my right to pursue action for negligent violations.

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 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I was informed by my mortgage company United Wholesale Mortgage that my payments of XXXX and XXXX was not received. I did contact my bank and retrieved proof of payments being made and received by my mortgage company. For the past XXXX months I have been trying to inquire from my mortgage company why my checks are not being processed or sent back to me. I have sent copies of my bank statements with proof that they have received them. However, they have not acknowledged receipt until date. I receive mails and calls on a daily basis harassing me about foreclosing my home while they have confiscated my funds. I have made countless and long phone calls where everyone I have spoken to has no knowledge or update of my current complaint. I will always have to bring the up to speed, at which point they offer no progressive feedback but revert to informing me of default and insisting that I complete a loss mitigation forms. My financial credit and reputation have been tarnished by my own mortgage company due to no fault of mine. For the XXXX years I have owned my home, I have never missed a single payment. I desperately need these issues addressed because it is affecting my XXXX  health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Date : XX/XX/year>XXXX  To Whom It May Concern, I am writing to file a formal complaint against Robinhood regarding repeated account restrictions, poor customer service, and lack of transparency. I have been experiencing ongoing issues with my Robinhood account, and I believe this situation warrants immediate investigation. 

On XX/XX/year>, Robinhood restricted my account due to " unusual or suspicious activity. '' I was informed that I would be notified by XX/XX/year>, with more information. However, this is the second time in less than 30 days that my account has been restricted for the same reason. 

The first time my account was restricted, Robinhood initially informed me that I would be notified within a few days, but that date was repeatedly delayed every four days for a total of three weeks. This caused significant frustration and financial inconvenience, as I was unable to access my funds during that period.

Despite consistently depositing money into my account as usual, every time I attempt to withdraw funds, my account is restricted. As of today, my account holds a balance of {$2100.00}, which I am currently unable to access due to these repeated restrictions. 

This situation is deeply frustrating, especially since it seems to be a recurring issue without any clear or valid explanation. I have made multiple attempts to contact Robinhood 's customer service to resolve these issues, but their responses have been unhelpful and unsatisfactory. Once again, I am being forced to file a complaint with the CFPB due to the lack of resolution, the ongoing delays, and the repeated inconvenience caused by Robinhood 's actions.

I request that Robinhood be held accountable for its failure to provide clear communication regarding these restrictions, the undue delay in resolving the issues, and the lack of valid reasons for repeatedly restricting my account. I seek a prompt resolution and immediate access to my funds.

Thank you for your attention to this matter. I look forward to a timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Accounts are being reported under my name without my knowledge or authorization. I have never opened or managed these accounts, and their presence is both inaccurate and misleading. This is unacceptable and raises serious concerns about the integrity of my credit report. I demand immediate clarification regarding their origin and the entity responsible for reporting them.

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 2025-05-22 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: VA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-22 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: VA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 am filing a complaint regarding an inaccurate and unfair XXXX late payment reported on my student loan account by XXXX  ( Account # XXXX | Loan # XXXX ). 

This loan was previously under XXXX XXXX XXXX and was transferred from XXXX to XXXX. I was never notified that the forbearance had ended or that payment was due. XXXX did not send any emails, phone calls, or mailed billing statements informing me of the transition or required payment. 

According to a letter I received from XXXX dated XX/XX/XXXX, forbearance ended on XX/XX/XXXX, and my payment was due on XX/XX/XXXX. I only discovered the delinquency in XX/XX/XXXX when I checked my credit and saw a XXXX late payment reported. I immediately paid the full balance of {$1100.00} on XX/XX/XXXX, upon learning of the issue. 

However, XXXX appears to have reported me as 90 days delinquent without ever reporting a XXXX or XXXX late, which may violate credit reporting standards under Metro 2 and the Fair Credit Reporting Act ( FCRA ).

This derogatory mark has caused significant harm to my credit, dropping my score from XXXX to XXXX, and is now threatening my ability to obtain a mortgage at a reasonable interest rate. I have no other late payments in over a decade of credit history, and I resolved the balance as soon as I became aware.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate and unfair XXXX late payment reported on my student loan account by XXXX  ( Account # XXXX | Loan # XXXX ). 

This loan was previously under XXXX XXXX XXXX and was transferred from XXXX to XXXX. I was never notified that the forbearance had ended or that payment was due. XXXX did not send any emails, phone calls, or mailed billing statements informing me of the transition or required payment. 

According to a letter I received from XXXX dated XX/XX/XXXX, forbearance ended on XX/XX/XXXX, and my payment was due on XX/XX/XXXX. I only discovered the delinquency in XX/XX/XXXX when I checked my credit and saw a XXXX late payment reported. I immediately paid the full balance of {$1100.00} on XX/XX/XXXX, upon learning of the issue. 

However, XXXX appears to have reported me as 90 days delinquent without ever reporting a XXXX or XXXX late, which may violate credit reporting standards under XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). 

This derogatory mark has caused significant harm to my credit, dropping my score from XXXX to XXXX, and is now threatening my ability to obtain a mortgage at a reasonable interest rate. I have no other late payments in over a decade of credit history, and I resolved the balance as soon as I became aware.

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 2025-05-22 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 filing a complaint regarding an inaccurate and unfair XXXX late payment reported on my student loan account by XXXX ( Account # XXXX | Loan # XXXX ). 

This loan was previously under XXXX XXXX XXXX and was transferred from XXXX to XXXX. I was never notified that the forbearance had ended or that payment was due. XXXX did not send any emails, phone calls, or mailed billing statements informing me of the transition or required payment. 

According to a letter I received from XXXX dated XX/XX/XXXX, forbearance ended on XX/XX/XXXX, and my payment was due on XX/XX/XXXX. I only discovered the delinquency in XX/XX/XXXX when I checked my credit and saw a XXXX late payment reported. I immediately paid the full balance of {$1100.00} on XX/XX/XXXX, upon learning of the issue. 

However, XXXX appears to have reported me as 90 days delinquent without ever reporting a XXXX or XXXX late, which may violate credit reporting standards under Metro 2 and the Fair Credit Reporting Act ( FCRA ). 

This derogatory mark has caused significant harm to my credit, dropping my score from XXXX to XXXX, and is now threatening my ability to obtain a mortgage at a reasonable interest rate. I have no other late payments in over a decade of credit history, and I resolved the balance as soon as I became aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank, known for being the only bank that was ever XXXX charged, shut down my bank account with any reason. Upon logging in my bank they are telling me that they are ending the relationship without reason. The bank XXXX at XXXX XXXX XXXX XXXX, FL XXXX United States lied and told me they are not able to give me cash only a check, while the online representative told me they are able to give cash at their discretion. I have never done any fraudulent activity with this account, just purely business transactions. They closed my account without any reason besides stating the deposit agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My book keeper paid my bills because I own multiple companies in NY and MA. The purchase were all made in Florida. I lived in XXXX for 45 years before moving to XXXX for business opportunities. I havent been to XXXX for XXXX XXXX. When I disputed these purchases Chase said since they were paid they will not refund. When I asked for proof such as my signature on purchases for XXXX, restaurants, clothing stores etc .. all located in XXXX they provided no such evidence. I also have a charge for a party Bouncy house and water slide etc in XXXX for but I live in an apartment since 2021 and have no backyard. Again they have not provided anything with my signature on this. I have never had this happen and Im XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: OH

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 explanation
Consumer complaint received 2025-05-22 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 kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing in response to your communication in which you allege that I owe a debt. This is a formal notice that I dispute the validity of this debt, as provided for by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ). 

Under this law, I am requesting that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that you are authorized to collect on this debt ; and A detailed accounting of how the amount you claim is owed was calculated. 

Please be advised that until you provide the requested validation, you are legally required to cease all collection activities, including phone calls, letters, or credit reporting related to this debt. 

If you are unable to verify the debt, you must stop all attempts to collect it and remove any negative information you may have reported to credit bureaus.

Company response to consumer: Closed with non-monetary relief