vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-12 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:
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 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 2025-07-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: IL

Complaint narrative:
In XXXX of XXXX we made what was suppose to be our last car payment but because we had to defer some payments over the XXXX  years we had a balance left over of over {$2000.00}. On XX/XX/XXXX we made a payment of {$430.00}... we then asked could we get an extension to allow us to pay th remaining balance over several months. We were told to wait for approval and a letter with further instructions. When we asked about XXXX payment we were told again to wait for the letter in the mail. The letter came dated XX/XX/XXXX instructing us the next payment would be due on XX/XX/XXXX so we thought oh we won't be finish paying until XXXX. When we got ready to make the payment for XX/XX/XXXX 6 days before it was due .. we saw we were charged XXXX late fees back to back dated XX/XX/XXXX and XX/XX/XXXX. When we asked why were we charged late fees they were not able to explain why we received a {$50.00} late fee on XX/XX/XXXX and a {$21.00} late fee in XX/XX/XXXX. We were told that we should have made a payment in XXXX but that's not what we were told nor is that what the contract stated that we received. Everytime we make a payment they now apply it to the previous month and Westlake refuses to make the corrections so we don't get the late fees. Westlake will not honor their letter. 
We have incurred as of date {$87.00} in late charges so far and we have made every single payment before the XXXX of EVERY MONTH. We are due to receive another late fee soon bringing the added late fees since XXXX to {$100.00}. This is illegal to charge a customer late fees when the proof of what the company said isn't honored. I am seeking to get my late fees refunded since XX/XX/XXXX Through XX/XX/XXXX. 
Thank you in advance for your assistance in this matter. 
Please help us this is predatory and illegal. They have to honor the date in the letter and what was told to us over the phone. The Customer service has been a night mare. 
Please help us. I have contacted them every month 2 times a month since XXXX. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I discovered that my RobinhoodXXXX account had been restricted from transferring XXXX  assets. This restriction was imposed without any prior notice or clear explanation. I immediately attempted to resolve the issue by going through Robinhoods in-app verification process, which included uploading my government-issued ID and completing biometric authentication. Despite completing these steps, my account remains restricted.

I initially received no assistance through the in-app support system and waited for a callback. Eventually, I did receive a call from a Robinhood support representative. However, I was told that there was nothing they could do to resolve the issue because it was an internal matter under review. I was informed that the account review would not be completed until XX/XX/XXXX, but no justification was provided for the restriction or the extended delay. 

This lack of transparency, coupled with Robinhoods inability or unwillingness to offer any escalation path, has left me unable to access, move, or liquidate my XXXX holdings. I have funds locked in my account, and this restriction has caused significant inconvenience and potential financial impact. 

Due to the unclear reasoning behind the restriction, the delayed timeline, and the refusal of support staff to assist beyond scripted responses, I am filing this complaint with the Consumer Financial Protection Bureau. I am seeking immediate access to my assets and an explanation of the internal issue causing the hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: KY

Complaint narrative:
Re : Formal Complaint Against XXXX XXXX Request for Removal of Late Payments Due to FCRA Violation To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), and for continuing to report derogatory information that they are unable to properly verify. 

XXXXXXXX XXXX has reported late payments and foreclosure status for my mortgage account ( Account Number : XXXX ). I have made multiple requests for proper verification and documentation to support the reporting of these late payments, specifically requesting proof that written notice was sent to me at least 30 days prior to the reporting, as required by the FCRA. 

Instead of providing documentation relevant to the derogatory reporting made in XXXX and XXXX, XXXX responded with a generic Notice of Furnishing Negative Information dated XX/XX/XXXX. This document does not satisfy the legal requirement and does not relate to the late payments reported in the relevant timeframe. Furthermore, XXXX has failed to provide any certified proof that such notice was sent or received prior to the negative reporting. 

Due to their failure to comply with the FCRA and inability to provide the required documentation, I am formally requesting the Consumer Financial Protection Bureau to : XXXX. Investigate XXXX XXXX violations of the FCRA, XXXX. Require XXXXXXXX XXXX to immediately remove all reported late payments from XXXX and XXXX from my credit reports, XXXX. Ensure XXXX XXXX  ceases further reporting of unverifiable derogatory information, XXXX. Apply regulatory consequences if necessary to enforce compliance. 

Attached is XXXXXXXX XXXX written response, which I submit as evidence of their failure to meet federal standards. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KY 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 non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
This is a formal request to remove a credit inquiry from my file that was conducted without my knowledge or permission. I did not authorize any company to access my credit report at the time this inquiry occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IN

Complaint narrative:
I sent them 3 notices to verify/validate accounts and inquiries along with my identification and Social security card and they failed to provide any method of verification or any verification at all.

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 2025-07-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra
State: FL

Complaint narrative:
I bought XXXX using ABRA I bought XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> over a period of time I invested approximately {$7000.00}. As time pass XXXX  was supposed to be really great so I kept adding money then a lawsuit started between XXXX and XXXX  back and forth in court so I just let it sit there waiting for " pay day '' then XXXX day I checked my account and couldn't get in I sent email to ABRA requesting my money then reply that I lost my money because they sent email to take my money because they can not operate in the XXXX anymore. I hope someone can help me because it is a lot of money. At the time I started the wallet with ABRA I was given a pass code that I have in my possession. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Section 1681i & 1681s-2 require credit reporting agencies ( CRAs ) and furnishers ( companies that report to CRAs ) to : Only report accurate and complete information.

Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving your dispute. Refrain from reporting information that they know or should know is inaccurate. The FTC also enforces the FCRA and states : You have a right to dispute information in your credit report that you believe is inaccurate or incomplete. If the CRA cant verify the accuracy of the disputed item, it must be deleted from your report.

I am writing to dispute misleading and/or inaccurate information currently reported on my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). Under federal law, credit reporting agencies and furnishers are obligated to report only accurate and non-misleading information. The item in question [ describe account and issue ] is creating a false and misleading impression and fails to meet the standard of accuracy and fairness required by law. I request an immediate investigation and correction or deletion of this item as required by the FCRA, FTC guidelines, and CFPB enforcement policies.

Inaccuracies : Account listed as open when its closed Date opened Dispute status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I discovered a total of {$24000.00} in unauthorized debit card charges labeled as XXXX XXXX transactions over the past year. I filed a fraud claim with Bank of America on XX/XX/year> ( case # XXXX ). 

Despite providing all requested information, I have not received any provisional credit. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ), Bank of America is legally required to issue provisional credit during a fraud investigation.

I visited a Bank of America financial center in XXXX XXXX to request written documentation of the case and a timeline for credit. The branch refused to provide anything in writing and did not escalate the issue properly. I have made multiple attempts to resolve this through the bank 's channels with no success.

This lack of transparency and failure to comply with EFTA has caused serious financial harm. I am requesting immediate provisional credit of {$24000.00} and a written update on the status of the investigation.

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 2025-07-12 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: MI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation