vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I will preface this by stating I have had my account for years and have made countless transactions on it. On XX/XX/year>, I received a XXXX deposit into my account for XXXX. I sold the XXXX so that I could withdraw my funds to my debit card instantly. I paid XXXX in fees to XXXX once I sold the XXXX. I know had XXXX} in my available balance to withdraw, so that's what I tried to do. An error message popped up saying my " XXXX declined. You can only withdraw back to the account where you originally deposited. '' I have only deposited into my account with the same debit card I tried to withdraw to. I tried the withdrawal with a smaller amount of XXXX and it processed. XXXX was remaining in my account now and then all of a sudden my account was " restricted. '' I tried messaging support through chat and they said there's nothing I can do and that I'll be notified in 4 days with an update. I then requested a callback over the phone and the agent provided me a case number that showed the issues as " already closed, '' when it obviously wasn't. XXXX refuses to provide any details of why my account was restricted nor has asked me to submit any information or documents to release my funds! After reviewing numerous similar stories online, I'm afraid XXXX has stolen my money and is going to close my account without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MI

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
My mortgage was transferred to XXXX Mortgage on XX/XX/year>. Since that time, I have experienced repeated technical and administrative issues trying to set up XXXX payments. Despite multiple phone calls, emails, and three separate attempts to submit the required ACH setup forms ( through the website, the app, and by email ), my submissions were rejected due to formatting problems with PDFs. 

Throughout XXXX, I was actively engaged with XXXX in repeated back-and-forth correspondence, making every good-faith effort to ensure payment would be processed. I was under the impression my XXXX setup was complete, yet XXXX reported my account as 30 days late. 

I have been a consistent, responsible borrower, never late before this transfer. This late mark is severely damaging to my credit report and does not reflect my payment history or intent. 



XXXX of Events XX/XX/year> : Mortgage transferred to XXXX. 
XXXX 2025 : Multiple phone calls and XXXX ACH setup attempts ( website, app, PDF/email ). 
XX/XX/year> : Ongoing correspondence, difficulties confirming XXXX setup. 
XX/XX/year> : Despite my efforts, XXXX reported my mortgage as 30 days late. 



Desired XXXX XXXX removal of the negative XXXX late mark from my credit report. 
Written confirmation that my account is current and in good standing. 
XXXX that my XXXX payments are properly set up and functioning going forward. 

I am not disputing the loan or the obligation to pay. My request is for XXXX to correct their reporting error, as I was in active communication and made repeated good-faith attempts to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am filing a complaint regarding an inaccurate and fraudulent collection account reported by Radius Global Solutions on behalf of XXXX. 

On or about XX/XX/2025, Radius Global Solutions placed a collection account on my credit report, claiming I opened a XXXX account. I want to state clearly that I never opened or authorized any account with XXXX. I have never signed a contract, applied for service, or received service from XXXX. 

This account is a result of fraud or mistaken identity, and I dispute the validity of this debt. 

I am requesting that Radius Global Solutions provide proof that the debt belongs to me, including : 1. Documentation bearing my signature showing I opened a XXXX account.

2. A complete account history, including dates and charges.

3. Evidence that Radius Global Solutions has the legal right to collect this debt. 

Unless proper validation is provided, I am requesting that the account be removed from my credit reports immediately and that all collection activity stop. 

This inaccurate reporting is harming my credit standing and violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully request that the CFPB investigate this matter and require Radius Global Solutions and/or XXXX  to provide proof of this alleged debt or remove it 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 2025-09-17 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: Chime Inc.
State: MD

Complaint narrative:
I was looking for government assistance and somehow ended up paying for things I could have gotten for free. It said there was a free trial and it also said if you did not receive help your money would be refunded. They tried to charge me multiple times and Chime refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am formally disputing fraudulent accounts that appear on my credit report. I did not authorize or create these accounts, and their inclusion is false, misleading, and harmful. Their continued presence undermines the accuracy and integrity of my credit file.

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 2025-09-17 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear CFPB, I am a XXXX XXXX XXXXXXXX XXXX whose XXXX XXXXXXXX compensation is federally protected under XXXX XXXX. XXXX. I am filing this complaint against Navy Federal Credit Union ( NFCU ) for systemic violations of federal consumer protection laws that have caused me severe harm. 

Background On XX/XX/year>, I received a notice from NFCU stating that they had received a levy for {$3700.00} from the California Department XXXX XXXX XXXX XXXX. The letter confirmed that : {$29.00} was frozen in my account. 
NFCU threatened further XXXX and noted that any outstanding checks written will be returned XXXX to XXXX. 
NFCU charged or threatened to charge a service fee of up to {$100.00}. 
Despite clear federal law protecting XXXX XXXXXXXX benefits from most forms of XXXX, NFCU facilitated the levy process and failed to provide me with any procedural safeguards. 

Violations XXXX. XXXX XXXX Transfer Act ( XXXX ) mishandling of protected federal benefit deposits and failure to ensure exemptions were properly applied. 
XXXX. Real Estate Settlement Procedures Act ( RESPA ) denial of mortgage/credit access due to distorted reporting tied to this levy process. 
XXXX. Fair Credit Reporting Act ( FCRA ) NFCUs reporting of inaccurate or incomplete information to consumer reporting agencies, contributing to damaged credit. 
XXXX. XXXX / ECOA discriminatory impact on me as a XXXX veteran, compounding systemic financial exclusion. 

XXXX Denial of loans and mortgages. 
Suppressed XXXX XXXX and reliance on predatory payday lenders. 
Loss of home equity exceeding XXXX XXXX. 
Rent burden since displacement of XXXX XXXX 
Overall damages baseline XXXX XXXX XXXX, scaling higher with XXXX treble damages. 

Requested Action I request CFPB investigation into NFCUs practices, including : 1. Failure to safeguard federally protected XXXX XXXXXXXX benefits. 
2. Improper reporting and handling of levies. 
3. Discriminatory lending and credit denial patterns targeting veterans with XXXX. 

Attachments ( Exhibits ) 1. NFCU levy notice ( XXXX XXXX XXXX XXXX 
2XXXX XXXX award letter confirming XXXX XXXX XXXXXXXX benefits. 
3. XXXX ( non-retired status ). 
4. XXXX  report showing systemic downstream harm. 

Sincerely, XXXX 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 2025-09-17 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: TX

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. 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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts listed on my credit report. These accounts are not mine, were not opened by me, and represent false and misleading information. Their continued presence unfairly harms my creditworthiness and misrepresents my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This letter serves as a formal dispute of fraudulent accounts currently appearing on my credit report. I never opened or authorized these accounts, and they represent false and misleading information. Their inclusion is damaging, unlawful, and must be corrected without delay.

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 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I filed for bankruptcy on XX/XX/year> and included the debt I had with Westlake Financial. On XX/XX/year> a representative named XXXX XXXX filed a complaint with the State of Colorado 's department of revenue XXXX XXXX XXXX  claiming I committed fraud and stated he would like my " License stripped '' Westlake was properly notified of the pending bankruptcy and the bankruptcy court informed Westlake Financial of the automatic stay but they continued efforts to collect the debt. A lawsuit was filed against Westlake Financial and the employee and the debt collection company " XXXX XXXX XXXX and XXXX '', in which they responded initially that they were not trying to collect the debt but still continued to make collection calls every night.

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 2025-09-17 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: CA

Complaint narrative:
Treat the following as a formal dispute. Codes are not proof. Obtain documentary evidence ( statements/ledgers/boarding files/charge-off memos ). Delete any unverifiable item. 
A. Identity/PII & Fraud-Alert Handling Remove any address/name/employer not tied to verified tradelines ( e.g., XXXX XXXX XXXXhealthcare employer artifact ). Maintain the Initial Fraud Alert and provide your fraud-alert procedures. FCRA 607 ( b ).

B. Tradelines ( Equifax file ) 1. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( credit card ) Status Derogatory Paid charge off, remarks Accounts closed by credit grantor. 
o Defects : If paid, residual derogatory Payment Rating/PHP must stop ; confirm DOFD for aging/removal. Provide charge-off memo and payment application. 
o Metro 2 : Status/Rating/PHP ; FCRA Compliance/DOFD XXXX Special Comment. 
o Demand : Ledger + DOFD ; all derogatory months disputed. Delete if unverifiable. 
2. XXXX  XXXX ( unsecured loan ) You list Open Current Unsecured even though the account is paid/closed with XXXX 
o Defect : Status contradiction across bureaus and within file chronology. 
XXXX Metro 2 : Account Status must be accurate ; if closed/paid, reflect Closed/paid {$0.00} with accurate Payment Rating/PHP.

o Demand : Correct to closed/paid with {$0.00} and remove any derogatory coding. Provide payoff/closure documents or delete. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( FHA mortgage ) Open Current, balance {$360000.00}. * * o Dispute : Confirm no inherited lates from prior servicers ; provide servicing ledger/boarding file. All months showing any late are disputed ( your 2-year grid shows OK ; confirm no hidden derogatory coding/PHP anomalies ). 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( past mortgages ) o Dispute : Ensure each is coded Transferred/Sold/Closed {$0.00} with consistent Payment Rating and no continuing derogatory PHP after transfer. Provide transfer/boarding documentation and cash ledgers. Any month showing a late is disputed. 
5. Revolving accounts showing Paid/Closed Current with {$0.00} ( e.g., XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, etc. ) o Dispute : Ensure consistent Credit Limit/High Credit values and no residual derogatory PHP. Provide statements if any late codes exist. All late months disputed. 
C. Inquiries ( Equifax file ) XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ) o Dispute : Provide signed application/consent proving permissible purpose under 604 ( a ), or remove. 
Required Actions Independent verification ( XXXX ). 
If unverifiable, delete item or entire tradeline ( 1681i ( a ) ( 5 ) ( A ) ). 
Provide an updated report and list of sources contacted.

Noncompliance will result in CFPB/FTC/AG complaints and suit under 15 U.S.C. 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: RI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-17 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: RI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-17 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: GA

Complaint narrative:
15 U.S.C 1681c. ( a ) ( 5 ) 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 of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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