vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute information, Transunion and Equifax has continued to report incorrect data and has failed to comply with their obligation to investigate thoroughly.

Details of the Issue 1. Disputed Account ( s ) : -Credit Name : Bank of America Financial Institutions -Account Number : 2. Nature of the Dispute : - The account contains the following inaccuracies : repeated fees, wrong balance, incorrec
t status, forced closure of account, NSF and check overdraft fees, even insufficient funds 3. Bureau Response : -Briefly describe how the credit bureau response : failed to address all errors, provided a generic response.

4. Supporting Evidence Provided : - Account information Violation of Consumer Rights Under FCRA Section 6119 ( 1681i ), credit bureaus are required to : -Conduct a reasonable reinvestigation within 30 days.

-Notify data furnishers and review all relevant information provided by the consumer.

-Correct or delete inaccurate, incomplete, or unverifiable information.

It is evident that XXXX  and XXXX  has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempted to stall the process.

Request Resolution I respectfully request that the CFPB intervenes to : 1. Ensure XXXX  and XXXX conduct a proper investigation of the disputed information.

2. Verify that the inaccuracies are corrected or removed from my credit report.

3. Provide accountability for the credit bureaus non-compliance with FCRA regulations.

I have enclosed copies of all relevant documents for your review, including : -Original dispute letter ( s ) -Supporting evidence sent to the credit bureau ( s ) -Responses received from the credit bureau ( s ) Thank you for your attention to this matter, I trust that your office will take the necessary steps to resolve this issue and ensure that my consumer rights are protected. Please feel free to contact me if you require additional information or documentation. 
Sincerely,

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 2025-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I initiated a transfer from my Robinhood account to my bank, and although the transaction was confirmed, the funds were never released. Ive contacted Robinhood multiple times through their support channels, demanding clarity on why my account is suddenly restricted and when I can expect to regain access to my money.

Robinhood has failed to provide any legitimate explanationonly vague, automated replies. My account remains locked, and my funds are being withheld without cause. This has created financial strain and raises serious questions about how Robinhood is handling customer assets.

I am demanding the immediate release of my funds and a full, written explanation for this restriction. The current level of opacity and lack of accountability is unacceptable.

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

Complaint narrative:
After finding information that was not mine I attempted to contact Equifax to have the information removed. I quoted FCRA 1681i and FCRA 605B regarding fraudulent information on my credit report. I requested that the information be permanently blocked and suppressed from my report. It was the following information : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I was informed if I sent FTC or police report ( attached ) the information would be deleted within 5 days. I did as requested, but they have refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
I applied for financing on a motorcycle. When the terms of the financing came back I declined the offer because of the interest rate and instead paid cash for the vehicle. I had no idea I had been signed up for anything and received a card in the mail with the terms and conditions. At no point did I consent to being signed up for a credit card or accept any terms for a line of credit. The company " Yard Card '' is affiliated with that dealership said that by submitting my social security number I had signed up for the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-05 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: NE

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year> i got credit reporting alerts that XXXX XXXX pulled a hard inquiry on my credit report. Upon contacting XXXX on XX/XX/year> I was able to have them reject the application and learned that a third party company had a loan application of {$2500.00} on my behalf without my consent.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year> i got credit reporting alerts that XXXX XXXX pulled a hard inquiry on my credit report. Upon contacting XXXX on XX/XX/year> I was able to have them reject the application and learned that a third party company had a loan application of {$2500.00} on my behalf without my consent.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I paid over XXXX  XXXXTo an Apple Credit Card that is ran by Goldman Sacks and they have not released the funds that have been taken out of my account over XXXX days ago. My credit limit still shows that I have no available credit and they said that this is there company policy when large payments are made. But I did this with a debit card and it was taken out the same day which means the funds should have been available. They said that it is in there user agreement but that is impossible because you can't make a payment on a credit card and then not have the funds available at least by the next day. 

I have repeatedly called and they have said that the payment has cleared but not I have payments getting denied by them even though there should be over XXXX XXXX dollars of available credit and now I am scrambling to switch up payments so that i am not late when it should have already been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding two separate disputes involving Affirm, both of which have resulted in significant financial loss and emotional distress. Affirm failed to fulfill its role in protecting me as a consumer in both cases.

CASE 1 XXXX XXXX Dispute via XXXX XXXX/ Affirm In XX/XX/year>, I purchased two rings from XXXX XXXX  using Affirm 's financing. The total cost was nearly {$600.00}. The rings were advertised as " yellow gold with high-quality moissanite stones, '' but what I received were cheap, low-quality, damaged products that do not match the description. The rings quickly deteriorated and were confirmed to be only gold-plated sterling silver not yellow gold. 

I contacted both the seller and Affirm multiple times ( see attached evidence ), but received no proper resolution. The seller refused a refund and only offered a replacement, despite the fact that : The items were falsely advertised. 

I provided photos and written evidence of the damage and misleading information. 

Many other customers reported the same issue ( see attached evidence from XXXX  and reviews ). 

Affirm closed the dispute in favor of the merchant, ignoring all the evidence. They stated the merchant " followed their policy, '' but this policy allowed deceptive product descriptions and delayed responses. I also provided public reviews from other customers with similar complaints. 

I also purchased a XXXX XXXX  using Affirm. Within the 60-day period, I attempted multiple times to enroll in XXXX XXXX XXXX , but the system rejected my IMEI, preventing me from enrolling. I reached out to XXXX support repeatedly with no resolution. 

Eventually, the device became defective, but XXXX refused any help, saying I was not enrolled in XXXX. Despite clear proof that I tried enrolling within the eligible period, they blamed me for " customer error. '' I submitted multiple emails and requests asking for resolution or insurance coverage, which were denied.

Meanwhile, Affirm continued charging me for a product that is now defective and uncovered due to XXXX XXXX  system failure. Again, Affirm took no action to help me, despite full documentation.

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

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$190.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$12000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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

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 2025-05-05 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: Synovus Bank
State: AZ

Complaint narrative:
On XXXX/25 I submitted a complaint thru the cfpb. Regarding account XXXX XXXXXXXX. After all the explanations the furnished gave. The account is still not showing accurate information on my report. There are at least 2 different dates opened displayed on my report From 2 different bureaus. Countless XXXX XXXX violation through the whole account. The account says charged off. Furnisher said it charged off. Why wasnt i sent a 1099 form. Where is it? Send me the 1099 so I can address with my cpa. And immediately remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Line 5, LLC
State: MO

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of fraudulent information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I have recently identified accounts or information on my credit report that are a result of identity theft and/or a data breach, which have negatively impacted my creditworthiness.

Company response to consumer: Closed with explanation