vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Per CFPB case # CFPB XXXX XXXX promised to provide me a final credit as to the resolution to my case for a total of {$7800.00}. However only a total of {$5400.00} have been credited, meaning I am still missing {$2300.00}. 

I have contacted XXXX XXXX ( assigned case representative ) three times over the span of a week. Three voice messages have been left with no response back even though her voice machine says she will respond back willing XXXX. I have also contacted customer support team that specializes in dispute cases, they have no idea why the full amount as promised wasnt credited and told me to wait for a response back from XXXX. Since I have no answer, I am needing to submit a 3rd CFPB case against this company.

In addition, I am seeking {$500.00} in compensation for handholding this case which has caused me 20+ hrs of my time between phone calls, faxing documents, emails, 3 CFPB complaints, voice messages, etc. Not only has this caused me time, it has been a financial nightmare and mentally damaging. 

The CFPB should consider auditing this company for failure to abide my the Reg. E rules ( proof in this and previous CFPB cases submitted : - Missed Reg. E timelines- Missed Reg. E communication letters- Miss handling of Reg. E cases between departments - Incorrect information provided by Disputes Specialty team- not providing resolution as stated on the final resolution letter - Lack of investigation documentation I hope that synchrony fixes this as soon as possible as its already taken 6 months to resolve.

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 2025-08-22 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2025, I began a home loan application with Chase. I disclosed that I am separated but not yet divorced. The loan officer indicated that the only barrier was that my ex needed to have been paying the mortgage for 12 months ; at the time, it had been 9 months. I reasonably believed that after the full 12 months, I could qualify.

At no point was I told that a finalized divorce decree was required before approval. I was encouraged to proceed, provide extensive documentation, and pay a {$500.00} good faith deposit.

Over several months, I submitted documents, answered repeated questions, and followed up multiple times. Staff changes and delays occurred, but I continued because I believed the loan was progressing. 

Eventually, I was denied the loan solely because my divorce was not finalized, despite having disclosed this from the beginning. I requested a refund of my {$500.00} deposit, but Chase refused, claiming it was applied to appraisal costs. 

I also asked for an escalation review and spoke with the resolution representative multiple times, providing texts and emails, but the company still denied the refund. I believe this was misleading and unfair, as the loan officers guidance caused me to pay the deposit and invest significant time under the impression I could qualify. 

I disclosed my separation status verbally in phone calls and during an initial in-person meeting. Attached emails and texts show my repeated follow-ups, document submissions, and attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filed multiple disputes with Experian regarding several inaccurate accounts, including XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. Despite sending more than six dispute letters with supporting documents ( payment receipts, vehicle title, account evidence ), Experian continues to report these accounts as verified without providing any validation or proof. Their repeated response of verified, no changes is not a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). This is a clear violation of FCRA 611 and 623, and it is causing serious harm to my credit. I have also filed a complaint with the FTC to document Experians ongoing noncompliance.

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 2025-08-22 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: IL

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing. 

I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account in the amount of {$170.00} related to a former auto insurance policy with XXXX. I canceled my XXXX policy when I switched to XXXX XXXX due to several customer service related issues with XXXX. At the time of cancellation, I was fully paid and up to date per XXXX Customer service representative at the time of cancellation. XXXX never informed me of any outstanding balance, and I never received a final bill, statement, or notice of money owed via mail or email. I wasnt contacted regarding a balance owed at all. 

Several months later, I discovered that a collection account had been reported to my credit file for what XXXX claims is one month of unpaid insurance premiums. This was the first time I became aware of any alleged balance. Because I was never billed or notified, I had no opportunity to resolve this matter directly with XXXX before it was sent to collections. I never received any notice or statement. Without proper notice, I was unable to resolve the balance before it was sent to collections. Reporting this debt as a collection under these circumstances is inaccurate and misleading, because I had no opportunity to pay or dispute the amount directly with XXXX. I am requesting removal of this collection from my credit reports. 

I disputed this account with both TransUnion and Equifax, but both came back as verified. However, I do not believe proper verification occurred because : 1. I was never billed by XXXX for the alleged balance. 
2. No documentation has been provided showing I agreed to or owed this balance.

3. Reporting a collection under these circumstances is inaccurate and misleading.

This is a violation of the Fair Credit Reporting Act, which requires furnishers to ensure accuracy and completeness of information reported to the credit bureaus. Because I never received proper notice or proof of debt, I am requesting that this collection account be deleted from my credit reports. 

I am also requesting that the CFPB investigate XXXX and/or the collection agency for reporting inaccurate and incomplete information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, I withdrew XXXX XXXX from my Robinhood XXXX account to my wallet address at XXXX ( a regulated XXXX  exchange ). However, due to XXXX XXXX XXXX regulations, XXXX could not accept the funds and returned the transaction to the original sending address on XX/XX/year>. 

The returned funds ( XXXX USDC after fee ) were successfully sent back to the original Robinhood wallet address : - Return XXXX : XXXX Robinhood has confirmed in writing that the funds were received into their internal wallet. However, they stated that they are unable to credit these funds to my account or re-send them to my deposit address. According to Robinhood, their system does not support crediting returned crypto to user accounts when the funds arrive from external sources not using the designated deposit address. 

As a result, my funds are held by Robinhood, and I have no access to them. This creates a severe consumer protection issue : the funds are in Robinhoods custody but can not be returned, re-sent, or credited to me, the rightful owner.

I have contacted Robinhood multiple times through email and chat support ( XXXX ID # XXXX ), and their final response was that the funds are unrecoverable under their current policy, despite being verifiably present on the blockchain. 

I am requesting CFPBs support to help resolve this matter and ensure that Robinhood has a process in place to return misdirected or system-rejected digital asset deposits to rightful account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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:
Accounts to Be Deleted ( Negative/Closed Accounts ) Immediately delete the following accounts in their entirety : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$810.00} ) Any other negative or closed accounts listed on my report 3. Accounts to Be Corrected ( Open Accounts ) The following open accounts must remain but have all late payments permanently removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Credit Card & Line of Credit ) 4. Inquiries to Be Deleted Delete the following hard inquiries from my credit report as I did not authorize them : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  multiple dates XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX  multiple dates XXXX XXXX  XXXX multiple dates XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing an account that has been erroneously reported under my credit file. I have never authorized, opened, or maintained this account, and its presence is entirely false. This inaccurate reporting is adversely affecting my financial reputation, creditworthiness, and ability to manage my personal finances.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation