vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Exposing my information without my consent. Which for denials and rejection of loans and credit score drops and Also I can not get any approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The amount owed Incorrect. 
Dates on the account incorrect Incorrect charges on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Im requesting this account be removed from All XXXX  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
I called Discover spoke to customer service who advised will need to speak with hardship dept and to call XXXX in XXXX mins at XXXX XXXX  I called was hung up on 5 times until I spoke with a rep XXXX who advised will need to transfer me she transferred me to XXXX code XXXX I think as phone cut out who advised the best they could do is deduct XXXX I asked for a supervisor she put me on hold XXXX mins to come back and say supervisor said can not do anything above the XXXX and I could call back at a later date. Refused to speak with me or assist. I told XXXX I could not pay that amount in full and need XXXX taken off she said sorry I can take that payment but fees and interest will be applied to balance and they then can not take the XXXX since not paying in full. I am been a loyal pay on time customer for over 20 years. How are they thankful to long standing customers that experience a hardship. Unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am disputing a fraudulent account listed on my credit profile. I was not involved in initiating this account, and its presence is incorrect and unauthorized.

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 2025-07-24 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: FL

Complaint narrative:
This is my XXXX  and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am resending this complaint to EXPERIAN regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified. 

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2025-07-24 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
I am submitting this rebuttal in response to Continental Finances claim of verification.

After reviewing the documentation provided, I reject their findings on the following legal grounds : FCRA 1681e ( b ) They are reporting information that is inconsistent across bureaus. 
This XXXX XXXX account appears on XXXX XXXX XXXX  but is absent from XXXX, violating the legal standard of maximum possible accuracy and consistency in credit reporting. 

FCRA 1681s-2 ( b ) Continental failed to fully investigate the accuracy of the disputed data. 
The documentation they provided lacks a signed application and contains an address that does not match my records or any proof of identity I have submitted. 
Continuing to furnish unverifiable, incomplete, or inaccurate data constitutes willful noncompliance. 

FCRA 1681c-2 I am formally invoking my legal right to block and permanently remove this information.

This item is causing harm to my credit profile, and no lawful, verifiable documentation has been produced to justify its continued reporting.

Under this law, you are required to block and delete the item within 4 business days.

FCRA 1681i ( a ) The reinvestigation process by the credit bureaus ( in conjunction with Continental ) has failed to produce original, verifiable documentation tied to my current identifying information.

FCRA 1681c ( f ) Continental claims the account was sold to XXXX XXXX in XX/XX/year>, yet they continue to report a balance and charge-off. 
Reporting a charged-off status and balance after sale to a debt buyer may violate this section regarding the accuracy of account status.

In summary, this account is unverifiable, inaccurate, and legally ineligible to remain on my credit reports.

I am requesting full enforcement of my rights under the Fair Credit Reporting Act, including : - Permanent deletion from XXXX XXXX XXXX - Immediate blocking of this data within 4 business days per FCRA 1681c-2 -A full investigation into the failure to provide legally sufficient validation Please take final action on this complaint and notify all relevant parties of this required deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
In XX/XX/2025, I was supposed to receive a refund of {$4100.00} from Robinhood. They claimed the funds were sent to my old bank account, which had already been closed. I provided proof from my bank showing that no deposit was received and that the account was inactive. 

Robinhood also provided an ARN ( Acquirer Reference Number ), but when I gave this to my bank, they could not trace or locate any transaction under that reference. Despite multiple messages and evidence I provided, Robinhood has not taken steps to retrieve or reissue the funds. Ive received repeated generic responses and no resolution. 

It has been over XXXX weeks since the refund was supposedly issued, and I still do not have my money. Robinhood continues to ignore the fact that the funds were sent to a closed account and has not confirmed whether the money bounced back or remains unclaimed.

I am requesting that Robinhood either trace and retrieve the funds or reissue the refund to an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
XXXX  XXXX account ending in XXXX was paid in full and closed. I reached out to someone via the phone and reached an agreement that if I were to settle the debt they would remove any late payments on the account and remove the 30/60/90 day late on my credit profile. Ive disputed this item several times with all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Experian with my proof of address, copy of social security card and identification, requesting verification of certain accounts listed on my credit report. Specifically, I asked Experian to provide proof of contract bearing my signature for each of the accounts I disputed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, Experian is required to conduct a reasonable investigation when a consumer disputes information on their credit report. However, I did not receive any documentation or signed contracts verifying that I agreed to the alleged debts. Experian instead provided a generic response stating the accounts were verified without any supporting documentation. 

This is a violation of the following consumer protection laws : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If the reinvestigation does not resolve the dispute, the agency must delete or modify the information.

15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information.

15 U.S. Code 1681g : Consumers have the right to receive all information in their file, including the sources and evidence used to verify accounts.

Experians failure to provide proof of the alleged debts, such as a contract or application bearing my signature, and its refusal to delete unverifiable information constitutes non-compliance with these sections of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX        Auto-renewal invoice XXXX XXXX XXXX XXXX  Individual Subscription - XXXX year for $XXXXLooked at bank of America credit card statement to see XXXX charge of $XXXX  Called XXXX to cancel subscription  - received email confirming refund XXXX  (no attachment) in the amount of -$XXXXtEmail dated XXXX XXXX XXXX containing attachment of refund confirmation #XXXXXXXX  dated XXXX XXXX XXXX in the amount of -$XXXXPurchased XXXX XXXX Standard Plus as a more cost-effective option for $4XXXXEmail from XXXX about an additional subscription renewal of XXXX XXXX for $XXXXSaw XXXX email and called XXXX about cancelling another renewed subscription. XXXX XXXXent email confirming refund confirmation #XXXX  in the amount of -$XXXXBank of America Statement closed without notating XXXX refund of -XXXXCalled XXXX  - call reference #XXXX - Called to confirm first renewal was cancelled and refundedXXXXalled XXXX - Call reference XXXX-asked for documentation\XXXXCalled XXXX - Call reference #XXXX- asked for documention of Refund confirmation.  They sent it same day. - See XXXX XXXX XXXXFaxed documents to XXXX in Claim Resolution dept\nXXXXWrote letter to bank of america and sent it via Bank of America website.XXXXCalled XXXX  - Call reference #XXXX  - I had XXXX call BOA for me and XXXX) confirmed to BOA that XXXX DID issue a refund and he wanted to know what he could do to make sure it went through. BOA never responded by talking with XXXX  to resolve this issue or confirming to XXXX XXXXhat it wasn't receivedXXXXtCalled Bank of America to inform them I disagree with the decision they arrived at - They still claim I owe them 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 monetary relief
Consumer complaint received 2025-07-24 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. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$2500.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX with a balance o {$1800.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
On several occasions we have requested copies of our contract with the the company. we have yet to receive these. My husband called a manager this morning and requested another copy. They informed my husband that on a {$6000.00} loan we will pay back {$9000.00} in interest fees. He explained to her that this was never discussed with us and she said oh well you signed the contract. The company is aqua finance. They also call us 2 times a day when our payment starts being 2 days late every month. I can not attach a copy of the receipts bills or anything because they do not send a copy of the break down of where our interest verses principal goes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
It is unacceptable that public records appear on my credit report. This is causing me significant anxiety, and I urgently request that they be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this personal statement in support of my identity theft report. My identity was compromised as a result of my vehicle being stolen. 

On or around XXXX XXXX, my vehicle, [ XXXX  XXXX XXXX ], was stolen from my home in XXXX, TX. I reported the theft to the appropriate authorities, and a police report was filed under report number [ XXXX XXXX XXXX ] with the XXXX XXXX XXXX XXXX XXXX. 

At the time of the theft, the vehicle contained several personal documents and sensitive information that may have contributed to my identity being compromised. These items included : A copy of my driver 's license Vehicle registration Insurance documents Mail addressed to me containing personal identifiers Following the incident, I began noticing suspicious activity related to my personal information, including but not limited to : Unfamiliar accounts or inquiries on my credit report Suspicious transactions or unauthorized attempts to access my financial accounts Notifications from creditors or agencies regarding debts or accounts I did not open I believe this activity is directly related to the theft of my vehicle and the personal information that was in it at the time. I did not authorize any of these actions, and I am requesting a full investigation and assistance in resolving the misuse of my identity. 

Please consider this a formal statement in support of my identity theft claim. I have taken additional steps to secure my identity, including placing fraud alerts on my credit reports, contacting the Federal Trade Commission, and reporting this matter to the IRS and relevant financial institutions. 

Thank you for your time and assistance. Please do not hesitate to contact me for any further details or 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX  - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
XXXX said that I cashed my check twice, but that was not true. I only cashed the check once and now XXXX and yall are trying to collect money from me that I do not owe.

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