vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts. Below are the details of the accounts in question, separated by each credit bureau. 

Charged Off Accounts 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 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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On or around XXXX week ago, I attempted to update the debit card linked to my Robinhood account in order to withdraw funds. The attempt failed with an error stating that I was unable to add a debit card and should try again later.

Over the following week, I attempted to add multiple debit cards from different banks, including a newly issued debit card that has never been used elsewhere. All attempts resulted in the same error.

I contacted Robinhood support multiple times. Support repeatedly stated that the issue was temporary or related to the debit cards and instructed me to wait XXXX hours and retry. Despite waiting well beyond that timeframe and attempting multiple cards, the issue has not resolved. 

Robinhood stated that bank transfer ( ACH ) is an alternative method ; however, debit card withdrawal functionality remains unavailable without explanation, escalation, or disclosure of any account-level restriction. The repeated instruction to wait without resolution has effectively blocked timely access to my funds. 

As a result, I am unable to access or withdraw my funds through the normal withdrawal method. I am requesting resolution, disclosure of any restriction affecting withdrawals, or a forced disbursement so I can close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have applied for a loan modification of loan deferral on XXXX separate occasions. Although I have submitted substantial evidence of financial hardship the lender has approved me for a repayment plan that exceeds the original payment amount by {$1200.00}, Original payment was {$420000.00} and the new proposed repayment is {$5400.00}. I currently have a pending XXXX XXXX  case pending and recently made a payment on XX/XX/year>. I can never get a person who is actually handling my case on the phone. Instead, I get a third-party customer service representative on the phone who is not authorized to make any decisions and just puts me off for an additional XXXX days each time I call. The total time is has taken to get to this point exceeded XXXX months of which an arrangement could have been made to get me back on track instead I continue to get the run around,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Date : XXXXXX/XX/XXXX To : GoodLeap, LLC Attn : Customer Service / Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Improper Interest Charges Loan Account # : XXXX Dear GoodLeap, I am writing to formally dispute the {$7000.00} in interest charges that you are attempting to add to my account for the period when my solar system was incomplete due to XXXX XXXX bankruptcy. 

Background I financed my solar system through GoodLeap with installation by XXXX XXXX on XX/XX/XXXX. 


When XXXX went out of business, the system remained incomplete for XXXX years. 


During this period, GoodLeap deferred my payments while another contractor, XXXX was located to finish the work. 


At that time, GoodLeaps representatives explicitly informed me that no interest would accrue during the deferral period. I relied on those assurances in good faith. 


Dispute Despite those representations, GoodLeap is now attempting to charge me {$7000.00} in retroactive interest for the deferral period. This interest was never represented in account statement documentation during the XXXX year period, appearing for the first time on the XX/XX/XXXX statement. This is inconsistent with the representations made to me and is both unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, EQUIFAX continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

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 2025-12-23 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: PA

Complaint narrative:
I am a victim of a serious identity-theft incident involving a SIM-swap attack. 
While my mobile number was inactive, it was fraudulently ported to another carrier, allowing criminals to take complete control of my digital life. 
They gained access to over twelve years of email history, my XXXX account and personal files, every social-media profile tied to two-factor authentication, and all of my bank and credit-card accounts. The intruders immediately changed every recovery email and phone number, leaving me locked out of XXXX XXXX XXXX, all of my email accounts, and my banks. Because my personal data including Social Security number, birth date, and passwords was stolen, the thieves were able to retrieve usernames and reset passwords at multiple financial institutions. For example, my bank only required my SSN, date of birth, and last name to reset access. I even received bank emails notifying me that someone had retrieved my username and changed my password, but by then I could not stop them. As a direct result of this identity theft, the following accounts appeared on my credit report even though I never applied for or authorized them : 1.XXXX  of XXXX credit card account opened XX/XX/XXXX, balance {$0.00}, account number ending XXXX. 
2. XXXX XXXX auto loan - account opened XX/XX/XXXX, balance {$24000.00} I have never opened or used either of these accounts.Since this theft began, I have been living with intense XXXX  and frequent XXXX XXXX. The stress of knowing that someone is using my identity ordering goods in my name and even opening a credit card under my deceased fathers name has left me sleepless and deeply distressed. 
I am currently receiving counseling to help cope with the emotional toll this has taken. 
I share this not for sympathy but to underscore how urgent it is that these fraudulent records be removed from my credit file as quickly as possible. They are entirely fraudulent and stem from the SIM-swap identity takeover described above. I have filed an official FTC Identity Theft Report ( attached ) and reported the theft to my local police department and my mobile carrier. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I request that you, Conduct a reinvestigation of these accounts, Block and permanently remove them from my credit file, and Send me written confirmation and an updated copy of my credit report once the deletions are complete. This situation has been devastating, and I appreciate your prompt attention in clearing these fraudulent accounts from my record.

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 2025-12-23 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: PA

Complaint narrative:
I am a victim of a serious identity-theft incident involving a SIM-swap attack. 
While my mobile number was inactive, it was fraudulently ported to another carrier, allowing criminals to take complete control of my digital life. 
They gained access to over twelve years of email history, my XXXX account and personal files, every social-media profile tied to two-factor authentication, and all of my bank and credit-card accounts. The intruders immediately changed every recovery email and phone number, leaving me locked out of XXXX XXXX XXXX, all of my email accounts, and my banks. Because my personal data including Social Security number, birth date, and passwords was stolen, the thieves were able to retrieve usernames and reset passwords at multiple financial institutions. For example, my bank only required my SSN, date of birth, and last name to reset access. I even received bank emails notifying me that someone had retrieved my username and changed my password, but by then I could not stop them. As a direct result of this identity theft, the following accounts appeared on my credit report even though I never applied for or authorized them : 1.XXXX  of XXXX credit card account opened XX/XX/XXXX, balance {$0.00}, account number ending XXXX. 
2. XXXX XXXX auto loan - account opened XX/XX/XXXX, balance {$24000.00} I have never opened or used either of these accounts.Since this theft began, I have been living with intense XXXX  and frequent XXXX XXXX. The stress of knowing that someone is using my identity ordering goods in my name and even opening a credit card under my deceased fathers name has left me sleepless and deeply distressed. 
I am currently receiving counseling to help cope with the emotional toll this has taken. 
I share this not for sympathy but to underscore how urgent it is that these fraudulent records be removed from my credit file as quickly as possible. They are entirely fraudulent and stem from the SIM-swap identity takeover described above. I have filed an official FTC Identity Theft Report ( attached ) and reported the theft to my local police department and my mobile carrier. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I request that you, Conduct a reinvestigation of these accounts, Block and permanently remove them from my credit file, and Send me written confirmation and an updated copy of my credit report once the deletions are complete. This situation has been devastating, and I appreciate your prompt attention in clearing these fraudulent accounts from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct 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 non-monetary relief
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Consumer : XXXX XXXX XXXX Company : Credence Resource Management Product : Debt Collection Issue : Credit Reporting Inaccurate / Misleading Credit Bureaus Involved : XXXX XXXX XXXX Complaint Statement Credence Resource Management is furnishing inaccurate and misleading credit information in violation of the Fair Credit Reporting Act. 
The account is reported as a collection account with a past-due balance and fabricated credit terms, despite Credence not being a creditor and having no authority to offer or report credit terms. 
Credence is also reporting payment history data that implies missed scheduled payments, which is impossible for a collection account and constitutes misleading consumer credit data. 
The reported date opened appears inconsistent with the original creditors delinquency timeline, raising concerns of potential illegal re-aging. 
Credence has failed to provide documentary evidence validating : The alleged balance Legal authority to collect Chain of assignment Verified XXXX Requested Resolution : Immediate deletion of this tradeline unless lawful verification is produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

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 explanation
Consumer complaint received 2025-12-23 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-23 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding account number XXXXXXXX XXXX XXXX XXXX XXXX  after being financially impacted by the COVID-19 pandemic due to my employment being shut down. At the time I contacted XXXX XXXX, the account was not past due. XXXX XXXX provided a COVID-19related payment accommodation, which I accepted and complied with. 

Under Section 4021 of the CARES Act, when a furnisher provides a COVID-19 accommodation and the consumer complies with its terms, the furnisher is required to report the account as current ( or maintain the account in its pre-accommodation status ) during the accommodation period. 

Despite granting the accommodation, XXXX XXXX continued to report the account as delinquent and as if no payments were made, without updating the account to reflect the CARES Act accommodation. This inaccurate reporting occurred over multiple years and does not reflect the true status of the account during the accommodation period. 

In XXXX, I filed a prior CFPB complaint regarding this issue ( CFPB Complaint No. XXXX ). In response, XXXX XXXX stated that they reported the account according to the original agreement, confirming that the accommodation was not reflected in their credit reporting. 

In XX/XX/XXXX, XXXX XXXX notified me that the accommodation period had ended and that payments would revert to the original agreement. However, the accounts historical reporting was never corrected to reflect the CARES Act accommodation period as required by law. 

This reporting is inaccurate, misleading, and violates the CARES Act and the Fair Credit Reporting Act. As a result, my credit report does not accurately reflect my payment status. 

I am demanding that this inaccurate account be either removed from my credit profile or immediately corrected to reflect that the account was current during the COVID-19 accommodation period that was agreed upon. 

I have attached XXXX XXXX response and referenced the prior CFPB complaint as supporting documentation.

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