vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Equifax Collections 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 Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 Employment XXXX XXXX XXXX XXXX XXXX Inquiry Hard XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts. 2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts.

- A detailed explanation of the methods used to verify the accuracy of each account.

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-07-22 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Equifax Collections 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 Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 Employment XXXX XXXX XXXX XXXX XXXX Inquiry Hard XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts. 2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts.

- A detailed explanation of the methods used to verify the accuracy of each account.

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-07-22 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-22 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: FL

Complaint narrative:
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 2025-07-22 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Company offered to refinance my Car Loan. After sending 15 Day Pay Off, they said they could only do {$28000.00} Loan. I asked if they'd be willing to do {$30000.00} at a higher monthly rate. They agreed and said all I had to do was pay my loan down directly to my current provider. After paying {$2500.00} to my current loan provider, I sent a new 15 day pay off at {$30000.00} and called them back. They changed their mind and said they could not do it.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered multiple inaccurate and outdated personal details listed on my credit report, including several incorrect names, addresses, and employers. These entries do not match my current identity or verified documentation. 

I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ), requesting the removal of : Incorrect name variations that do not reflect my legal name Multiple outdated addresses where I have never lived or no longer reside Employers that I have never worked for or that are not verifiable I provided supporting documentation including government-issued ID, proof of address, and identity verification to validate my current and correct information. I respectfully requested these records be deleted or corrected. 

I am awaiting confirmation that the inaccurate information has been removed and my credit file has been updated.

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 2025-07-21 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: CA

Complaint narrative:
XXXX XXXX Refused to Remove Disputed Account After Payment and Written Deletion Agreement To the Consumer Financial Protection Bureau, I am submitting this complaint against XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX | Phone : ( XXXX ) XXXX ) for their continued failure to remove an account from my credit report, despite multiple disputes and a written promise to delete the account after payment. 

Background : An account from XXXX XXXX was reported on my credit report which I did not open, authorize, or use. 
I disputed the account multiple times, clearly stating that it was not mine and requesting supporting documentation. Despite these efforts, the account was continuously marked as verified without any actual evidence being provided. 
After getting nowhere with the disputes, I decided to pay the full balance of {$1200.00} on XX/XX/year>, simply to resolve the issue. 
I then received a Promise to Delete Letter confirming that the account had been paid in full and would be removed from all credit reporting agencies. 
To date, the account has not been removed, and XXXX XXXX has not honored their written commitment. 

Violations : XXXX XXXX is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 611 ( 15 U.S. Code 1681i ) : Failing to properly investigate disputed information and continuing to report unverifiable data. 
FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s-2 ) : Providing inaccurate or unverified information to credit bureaus after being notified of a dispute. 
FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Failing to ensure the maximum possible accuracy of the reported information.

Breach of Agreement : XXXX XXXX made a written promise to remove the account after payment, yet continues to report it, which constitutes a breach of their own stated terms. 

Requested Resolution : Immediate deletion of the disputed XXXX XXXX account from all major credit bureaus. 
A written confirmation that the account has been removed from my credit reports. 
Regulatory review and enforcement action by the CFPB to hold XXXX XXXX accountable for noncompliance with federal credit reporting standards. 

I have attached supporting documents, including the Promise to Delete Letter and proof of payment. 

Thank you for your time and assistance 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for reporting inaccurate and unauthorized information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Wisconsin Statute 218.04. 

Specifically : XXXX XXXX is not licensed to collect debts in Wisconsin, as confirmed by the states Department of Financial Institutions.

Despite this, they are reporting a collection account to XXXX, Equifax, and XXXX, negatively impacting my credit score. 

I have disputed this account with the credit bureaus, but it remains on my report.

Under FCRA 623, a furnisher must ensure the accuracy of any reported information.

Reporting derogatory information while not legally authorized to collect in the state is deceptive and unfair. 

I request that the CFPB investigate XXXX conduct and compel them to delete this account from my credit reports and cease collection activities in Wisconsin. 

Resolution Requested : Immediate deletion of the account from all credit bureaus Cease all collection and reporting activity in Wisconsin Confirmation of closure in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
After checking my credit report this incorrect public record account is reporting on my credit report BANKRUPTCY COURTXXXX  account number : XXXX. The company responded as the item has been deleted but it is still showing on my credit report. 
I've attached the company response Please see below Company 's Response Thank you for submitting your complaint through the CFPB ComplaintPortal. In your complaint, you indicated that there were inaccurate itemsreporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. Asummary of the results are listed below : Trade XXXX XXXX XXXX XXXX XXXXXXXX THIS XXXX HAS BEEN DELETED FROM THECREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: TN

Complaint narrative:
I received collection notices from Financial Recovery Services regarding an alleged debt. I submitted written requests for full validation on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, they failed to provide proper documentation proving I owe the debt, sending only generic billing statements. 

On XX/XX/XXXX, I sent a final notice stating the matter was closed due to their failure to validate. Despite this, Financial Recovery Services transferred the debt to another agency, XXXX XXXX XXXX XXXX, without resolving my dispute, continuing collection efforts in violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX I attempted to sendXXXX XXXXXXXX coins valued at {$2.00} per coin, to my friend from my Robinhood account. It equated to about {$25.00} I did not execute the crypto transfer correctly and the transaction failed. The coins were returned into my Robinhood account.

After the failed transaction Robinhood placed a hold restriction on my account and asked me to submit identifying paperwork. The requested paperwork was submitted as requested in the email below : Robinhood did not remove the restriction. They asked for additional information as requested in email below : After submitting requested paperwork Robinhood lifted the account hold restriction and had determined I was the victim of a scam.

I call Robinhood support to explain I was using the app and did not submit my crypto transfer properly and user error is what led to the platform putting a hold on my account. I verified that I did not receive any suspicious email or text messages and did not click on any links provided in any communications. Robinhood support conveyed they would take my explanation into consideration and review my request to have the crypto features re-enabled on my account. 

That did not happen. I received an email on XX/XX/XXXX now stating they have put a permanent restriction on sending crypto from my Robinhood account.

I have asked for details that has led to this determination, an overview of the scam they say I fell victim to, the origin of the scam and a summary of IP address activity that is fraudulent and have not received any correspondence back from Robinhood.

I am looking for assistance is getting the permanent banning of my ability to send crypto out of my Robinhood account removed and the ability to send crypto re-enabled. 

I appreciate your assistance in this situation. I should be able to have full control of the assets in my account and not be forced to liquidate should I want to move assets out of my Robinhood account to an external wallet.

The assets in my account should not be held hostage. No one from the review team would even speak to me regarding the situation to understand the circumstances.

Very appreciative of your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute letter to EQUIFAX requesting an investigation and correction of inaccurate information appearing on my credit report. However, following their investigation, EQUIFAX responded by verifying several accounts yet these accounts still contain inaccurate and unverifiable information, and they are not reporting with the maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ).

Specific issues include : Accounts that were " verified '' but still contain inconsistent balances, statuses, or payment histories.

No reasonable investigation appears to have been conducted, as the errors I identified remain unchanged.

The continued reporting of inaccurate information despite my formal dispute is causing ongoing harm to my creditworthiness.

I am requesting the Consumer Financial Protection Bureau to investigate EQUIFAX for failure to meet its legal obligations under the FCRA and compel them to : Provide a reasonable explanation and documentation verifying their investigation.

Remove all inaccurate, unverifiable, or outdated information from my credit report in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On Friday my checking account overdrew. I have overdraft protection and the funds withdrew from my associated savings account to cover the overdraft. However, on the same day, I transferred funds to cover the overage. My transferring funds caused the automatic transfer to cancel. But, the credit for the auto transfer did not credit to my checking account. I'm told the funds will be credited back to my savings account on Tuesday. This is four days that I was not able to access those funds from either account. No resolution was offered by bank customer service. Bank of America.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I am filing this complaint because I have submitted multiple requests to initiate my Servicemembers Civil Relief Act ( SCRA ) benefits for my credit card account with XXXX XXXXXXXX, but I have not received any response or acknowledgment from the creditor. 

On three separate occasionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI provided copies of my XXXX XXXX XXXX orders as required. Despite following the proper procedure and giving the company more than sufficient time to respond, they have failed to acknowledge or process my request. 

This delay violates the protections afforded under the SCRA ( 50 U.S.C. 3937 ), which entitles XXXX XXXX servicemembers to certain financial relief, including a 6 % interest rate cap on pre-service debt. Creditors are legally obligated to honor these protections upon proper documentation. 

I respectfully request that the CFPB investigate this matter and ensure the company immediately applies the SCRA benefits to my account, retroactive to my XXXX XXXX start date, and provides a written explanation for their failure to respond in a timely manner. 

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