vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
In XXXX of this year, I received a notice from Robinhood informing me that my credit card account would be closed. Since receiving that notice, I have not engaged in any new company-related transactions. The only activities recorded were earlier refunds initiated by merchants, which were beyond my control. All of my transactions since then have been normal daily spending.

Despite this, Robinhood proceeded to close my account and has not provided any clear reason or supporting evidence for the decision. I also noticed that my rewards points remain in my account. This fact strongly suggests that the closure decision was based on an inaccurate evaluation. I contacted customer service but was told that they do not accept requests for account re-evaluation or reinstatement, and that my reward points would be forcibly forfeited.

I have already sent a formal letter to Robinhood headquarters requesting a re-evaluation of my account and an explanation, but I have not received any response.

I have been a long-term and loyal Robinhood investment account holder, and I believe this closure was handled unfairly and without due process. It has also negatively affected my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a XXXX  XXXX bankruptcy reporting on my TransUnion credit report that I did not file. I have never filed for bankruptcy in any court. After noticing this error, I contacted the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX to confirm whether any record existed under my name. 

The court verified that no bankruptcy case was ever filed by me and also confirmed that they do not report consumer information to any credit reporting agencies. The court provided me with a signed letter from the judge confirming that no such record exists and that this information should be removed from my credit report. 

I have disputed this matter multiple times with TransUnion and with XXXX, the third-party source TransUnion uses for bankruptcy information, but the inaccurate bankruptcy continues to appear on my credit report. 

This false reporting has caused damage to my credit reputation and has affected my ability to obtain credit and other opportunities. I am requesting that TransUnion immediately remove the incorrect XXXX  XXXX bankruptcy from my credit report and send me written confirmation of the deletion. 

I have attached the signed letter from the court, along with my identification and proof of address, to verify my identity and support this dispute.

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 2025-10-08 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - XXXX XXXX  XXXX Name : - XXXX XXXX XXXX : - XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXXIncorrect Name : - XXXX, XXXX, XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXEmployer - XXXX XXXX XXXXIncorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-08 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 am writing to formally dispute the following items on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 605B. I request that you investigate and correct or remove any inaccurate information and provide written confirmation of the results along with an updated credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Status : Closed / Charge-off Creditor Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Creditor Phone : ( XXXX ) XXXX Disputed Items : Account may be inaccurate ; I never authorized or opened it. 

Reported balance may be incorrect.

Account status may be incorrect.

Payment history showing charge-offs is inaccurate.

Creditor information may be incorrect. 

Responsibility listed as Individual Account may be inaccurate. 

XXXX XXXX XXXX XXXX XXXX  Account Original Creditor : XXXX XXXX XXXX XXXX : {$9200.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Agency XXXX XXXX XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Agency Phone : XXXX Account Status : Unpaid / Rental/Leasing Disputed Items : Account may be fraudulent ; I never authorized or opened it.

Balance may be inaccurate.

Account status may be reported incorrectly.

Payment history or delinquency dates may be incorrect.

Creditor and agency information may be inaccurate. 

3. Unsecured Installment Account Account Owner : Individual Account Loan Type : Unsecured Installment High Credit Amount : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Payment Status : OK / 30-day late Comments : Closed or Paid Account / XXXX Balance Disputed Items : Date of first delinquency may be inaccurate.

Payment history may be inaccurate.

Account status may be incorrect.

High credit amount / terms may be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
In XXXX we deferred our payment. For XXXX. then in XXXX we received a foreclose notice that we owed the back payments immediately so i wired them XXXX dollars since then they have been reporting use as if we have not paid it at all, they have also been charging late fees and home inspection fees as high as most resent XX/XX/XXXX a home inspection fee of XXXX dollars no home inspections have been done there is also multiple months that we have paid ahead XXXX XXXX XXXX XXXX  mortgage payments in the same month theses payments were never applied to our principal, XXXX, or monthly payments they have just vanished i have made several attempts to speak with reps from our mortgage company and they refuse to correct it and become very hostile and condescending to our issues stating they can either not see my payments or cant see my history they are also reporting to credit companies were have a rolling XXXX late fee we were trying to but land and this all came to light when another finance company looked into it and informed me of the discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-10-08 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 filing this complaint regarding multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report lists several inaccurate addresses where I have never resided, including XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with me and must be permanently deleted. 
Additionally, there are accounts inaccurately reported as late or closed, including XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ), and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all showing balances of {$0.00} yet reported as delinquent. My report also reflects inaccurate charge-off entries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) *, both with {$0.00} balances, and an unauthorized inquiry from XXXX dated XXXX . These items are either unverifiable or falsely reported, causing unfair damage to my credit profile.

These errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to ensure maximum possible accuracy of reported information, and FCRA 611 [ 15 U.S.C. 1681i ], which mandates a full reinvestigation of disputed information. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits furnishers from reporting data they know or should know to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 am filing this complaint regarding multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report lists several inaccurate addresses where I have never resided, including XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with me and must be permanently deleted. 
Additionally, there are accounts inaccurately reported as late or closed, including XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ), and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all showing balances of {$0.00} yet reported as delinquent. My report also reflects inaccurate charge-off entries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) *, both with {$0.00} balances, and an unauthorized inquiry from XXXX dated XXXX . These items are either unverifiable or falsely reported, causing unfair damage to my credit profile.

These errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to ensure maximum possible accuracy of reported information, and FCRA 611 [ 15 U.S.C. 1681i ], which mandates a full reinvestigation of disputed information. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits furnishers from reporting data they know or should know to be inaccurate.

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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: IN

Complaint narrative:
On XX/XX/year> I received an unauthorized deposit for {$1000.00} from a company called Explore Credit into my bank account. I did not apply for a loan, sign any agreement, or give consent for them to deposit funds. The transaction is currently pending. 

After the deposit appeared, Explore Credit contacted me and requested that I log in using my Social Security number and upload my last three months of bank statements. I refused. 

I also spoke with a representative by phone, who stated that I must log in with my email and Social Security number to view my loan papers. I refused and asked them to send documentation by email or mail, but they declined. I have not signed any agreement or authorized any loan. 

I believe this is a predatory or fraudulent lending attempt. I have contacted my banks fraud department to return the pending deposit and block all ACH debits from this company. 

I am filing this complaint so that the CFPB can investigate their unauthorized lending practices and prevent future harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I hope everyone is well. I received an alert from my credit monitoring company that this company flagged a collection account on my credit report. I have no idea where this could have come from, as I didn't receive any certified letter to my address giving me rights to dispute this false debt or anything. Certified mail is considered proof anything else is just hearsay as it serves no proof. As a consumer this debt collector abused the FDCPA by disregarding the proper steps debt collectors must take before merging debt on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MD

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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/year> To : Credit Collection Serv XXXX XXXX XXXX XXXX, MA XXXX Subject : Cease and Desist Account # XXXX Dear Credit Collection Services, This letter is a formal Cease and Desist demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). You are hereby instructed to immediately stop all communication with me, my family, my employer, or any third parties regarding the account listed below : Account Number : XXXX Creditor : XXXX Effective upon receipt of this letter, you may not contact me by phone, text message, email, mail, or through any third party. 

The only communications you are legally allowed to make after this notice are : 1. Written confirmation that you will no longer contact me, or 2. Notification of specific legal action, if you intend to pursue it.

Any further contact beyond these two exceptions will be considered a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals office. 

I expect written confirmation within 15 business days that you have received this notice and that all communication regarding this account will cease. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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