vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX {$290.00} XXXX XXXXXXXX XXXX {$390.00} XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the reports by XXXX years.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposited a {$17000.00} check into my account on XX/XX/year>, and was told it would be available the next day. Instead, the funds were placed on hold without a clear explanation. On Friday, XX/XX/XXXX, I was told there would be a five-business-day hold due to the need to verify the check and because my account is relatively new ( opened in XX/XX/year> ). 

After that initial period passed, I called again on XX/XX/XXXX and was told the hold had been extended another XXXX business days, now through XX/XX/XXXX, because the bank still couldn't verify the check. I was informed that a letter was mailed to my address on XX/XX/XXXX to notify me of the extended hold. 

However, the only letter I received arrived on Saturday, XX/XX/XXXX, and was dated XX/XX/year>. It stated : " We believe a check ( s ) you deposited may not be paid for the following reasons : During our analysis of the check, we determined that we need to verify that the check will be paid. 

That letter arrived over a week after the deposit, and no other written communication was provided. This delay appears to violate notice requirements under Regulation CC. 

In addition, I have spoken directly with the check issuer, who confirmed that the check cleared her account on XX/XX/XXXX. Her bank also told her they were never contacted by my bank. She provided a bank statement showing the withdrawal was processed that same day ( documentation can be provided upon request ). Despite this, the funds remain on hold, and I have received inconsistent and unclear communication from my bank throughout this process. 

Additionally, I was told that part of the reason for the extended hold was that the bank could not find the name of the business that issued the check in their system. This was confusing and concerning, as the business in question is legitimate, longstanding, and has been operating for years. The issuer confirmed that their account was in good standing and the check cleared on XX/XX/XXXX. It is unclear what system the bank used or what verification process failed, but no reasonable explanation was provided for why a known and active business could not be verified. 

As a result of this situation, I have had to cancel medical procedures, and I have been unable to pay my bills or rent, leading to additional late fees and financial penalties. This has caused significant emotional and financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I am receiving emails from a site called XXXX. They are sending me emails stating I owe them money. I do not owe them money. My loans have been paid off as of XX/XX/year>. She requested I send her a screenshot of a letter, which I was uncomfortable with. My emails indicates that the government would contact all servers involved, that the loans would be forgiven, and I didn't have to do anything on my part. I did receive a confirmation email from Nelnet that says -0- balance on the same account they say I owe. I think this is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Robinhood Financial LLC, a registered broker-dealer, for its unjust and prolonged restriction of my brokerage account despite full cooperation and submission of all required documentation. 

My account was restricted after I accessed the platform while traveling abroad ( specifically, during a short-term vacation in XXXX ) XXXX In response to their compliance request, I submitted : A valid XXXX passport A selfie for identity verification A credit union bank statement showing my full name and XXXX residential address A rental lease agreement under my name with a XXXX address Despite these clear and verifiable documents confirming my XXXX residency and identity, Robinhood has yet to restore access to my account. In addition, I have received automated emails stating that I was opted out of the Cash Sweep program and that my Gold membership was canceledactions I never requested. 

This has caused significant stress and financial uncertainty, as I have a substantial amount of funds held with Robinhood and am currently unable to access or manage my investments. Moreover, Robinhood has limited customer service channels, and I have not received a timely or meaningful response to my appeals for reinstatement. 

I am requesting your office to investigate this matter and hold Robinhood accountable for any violations of investor protection regulations, failure to provide adequate service, and potential financial harm caused by the unwarranted restriction of my account. 

Thank you for your attention to this matter. I am happy to provide supporting documents, communication logs, and further details upon request. 

Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I am attempting to transfer my phone number ( XXXX ) from XXXX XXXX to another XXXX. I do not have a financed device, and I am not under any service contract. XXXX XXXX is refusing to release my number unless I pay my entire outstanding balance upfront. They have refused to offer a payment plan or make any hardship accommodations. 

This action is interfering with my ability to maintain access to my phone number, which I need for family, health, and work-related communication. I believe this is an unfair and coercive financial practice, especially since there is no contract binding me to them. 

I have contacted XXXX XXXX support directly and have received no resolution. 

I am requesting that CFPB intervene and ensure they release my port-out credentials immediately. 

Name : XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within XXXX  days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry 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 explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-12 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage, continuers to call me and offer to sell me additional products after I have asked them numerous times to cease solicitation of me.

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 2025-05-12 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Wave Financial USA Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I invoiced a client for cybersecurity consulting services via Wave Financial. The invoice was for {$10000.00} based on 80 hours of documented work at a $ XXXX rate. The client is a family member and the engagement was legitimate, with a signed contract and detailed scope of work. 

After the client paid, Wave froze the payment and requested verification materials. I submitted a signed contract, ID verification, and client confirmation emails. Despite complying fully, Waves XXXX XXXX questioned the price ( calling it very high ) and, days later, terminated my account and refunded the client without citing fraud, ToS violation, or providing a formal appeal process. 

Their XX/XX/XXXX email stated, We are unable to verify your business. No further explanation or recourse was offered. 

This action severely disrupted my business cash flow and undermined a documented consulting agreement. I believe this may reflect arbitrary platform enforcement and a lack of transparency, particularly for service-based or women-led businesses.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, XXXX fraud check {$340.00} withdraw money from my checking account, I reported to Wells Fargo by customer service and went to the branch. The customer service asked me closed account and open new account. They confirmed they will return the money to the new account. But I still not received my money back. 
The claim no. is 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 monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing an account being reported by XXXX on my credit report. The account is listed as closed with a balance of {$590.00}. However, XXXX sold this debt to a third party collection agency. According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, original creditors must report a {$0.00} balance once an account is sold or transferred. I have disputed this with the credit bureaus, but it continues to be reported incorrectly and comes back " verified '' despite the violation. i am requesting that the CFPB investigate this issue and ensure that XXXX updates the reporting or removes the account entirely.

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 2025-05-12 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: TX

Complaint narrative:
I am disputing an account being reported by XXXX on my credit report. The account is listed as closed with a balance of {$590.00}. However, XXXX sold this debt to a third party collection agency. According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, original creditors must report a {$0.00} balance once an account is sold or transferred. I have disputed this with the credit bureaus, but it continues to be reported incorrectly and comes back " verified '' despite the violation. i am requesting that the CFPB investigate this issue and ensure that XXXX updates the reporting or removes the account entirely.

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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because I have been locked out of my federal student loan account on the Nelnet XXXX portal ( nelnet.studentaid.gov ) for months due to persistent technical issues. Every time I try to log in, I receive an error message and can not proceed. This has made it impossible to apply for XXXX XXXX, XXXX, or any income-driven repayment or hardship relief plans. 

I mailed a formal complaint in XX/XX/year>, and emailed both the XXXX XXXX and XXXX XXXX teams with supporting documents showing my hardship and screenshots of the login issues. I received no resolution. 

Then, on XX/XX/year>, Nelnet reported XXXX federal student loan accounts with increased balances to the credit bureaus, causing my Experian score to drop XXXX points in one day. Some bureaus now report my score as low as XXXX, making it nearly impossible for me to rent an apartment, buy a car, open a bank account, or regain basic financial stability. This has devastated my life. 

Yesterday, I discovered that Nelnet still had an inactive cell phone number from high school on file, along with an outdated mailing address for my parents old condo. I currently reside in XXXX, and I had to manually correct this outdated contact information just to try and get communications. This outdated data may be part of the reason I never received critical notices or account updates. 

I was also under the belief that the funds I received were grants, not loans. I was never properly informed or counseled about repayment obligations. I do not even use the degree these loans were for, and I feel completely misled by the federal financial aid process. 

I am also in severe financial distress. I was recently evicted, am staying with a coworker, have unstable XXXX  income, no car, no driver 's license, and am behind on nearly every bill. My federal loan servicers inaction and mismanagement have made things worse. 

I respectfully request the CFPB to : Intervene to restore access to my StudentAid/Nelnet account XXXX Manually process my enrollment into XXXX XXXX XXXX XXXX  ; Investigate the premature and harmful credit reporting ; Remove any derogatory marks caused by the servicers failure to provide proper access ; Review whether the loans were appropriately disclosed and enforceable given the belief they were grants. 

This situation is destroying my life and future. I have taken every reasonable step to comply and seek help, but Ive been ignored, locked out, and now severely harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX [ Date ] To : Chase Executive Office Mail Code XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Dear Executive Office , This letter serves as a formal dispute and request for explanation regarding Chase 's conflicting responses concerning the XXXX XXXX XXXX XXXX XXXX : XXXX, and your claim that Chase was not the lienholder. 

In letters dated XX/XX/XXXX, and XX/XX/XXXX, your office stated : > " We were not your bank at the time you had the vehicle '' " We do not have the documents youre requesting '' However, I have since received direct documentation from Chase Auto contradicting your denials : 1. Chase Lien Satisfaction Letter ( Dated XX/XX/XXXX ) Acknowledges that the lien against the above vehicle was fully satisfied and released in my name. 

2. Notarized Acknowledgment from Chase Representative ( Dated XX/XX/XXXX ) Confirms that XXXX XXXX, a Vice President of JPMorgan Chase Bank, N.A., acknowledged the lien. 

3. Account Closure and Payoff Letter ( Dated XX/XX/XXXX ) Provides confirmation that the account tied to this vehicle was paid in full and closed, and that a lien release was sent. 

Additionally, in your prior correspondence, you mentioned speaking directly with XXXX XXXX regarding my vehicle. Since Chase has acknowledged communication with the dealership, it stands to reason that Chase should have detailed information about this lien, its timeline, and any contracts or agreements related to this vehicle. This makes your refusal to provide such documents even more concerning.

These official Chase documents clearly prove that your institution was the lienholder and did hold and release a lien on the XXXX, despite your denials in writing. This discrepancy raises serious concerns about recordkeeping, misrepresentation to a consumer, and interference with my ability to resolve a lien/title conflict. I request that Chase : 1. Formally acknowledge the dates the lien was placed and released by Chase.

2. Provide a full account transaction history or timeline related to the lien on the XXXX. 


3. Explain in writing why multiple Chase representatives and the Executive Office denied the existence of this lien when your own documents prove otherwise.

4. Clarify the details of the conversation Chase had with XXXX XXXX and how it relates to the lien on this vehicle. 



This information is critical in my ongoing dispute regarding unauthorized financing and dual lien registration on my vehicle. If this matter is not resolved with transparency, I will escalate it further with the Consumer Financial Protection Bureau ( CFPB ), the XXXX  Department of Insurance and Financial Services ( DIFS ), and take appropriate legal action for misrepresentation and denial of access to consumer records. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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