vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-03 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: GA

Complaint narrative:
I am writing to dispute several accounts that appear on my TransUnion credit report which I believe were compromised and are the result of a data breach rather than any legitimate activity on my part. These accounts are inaccurate and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) 602A and 611, which require credit bureaus to maintain maximum possible accuracy of consumer information. 
Please find below the accounts in dispute : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$65.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
Charged-Off Accounts in Dispute XXXX XXXX XXXX, Acct : XXXX Reported XX/XX/XXXX, Balance : {$2700.00} XXXX Acct : XXXX Reported XX/XX/XXXX, Balance : {$930.00} Both accounts appear to be inaccurately reported or unverifiable. I request documentation from the furnishers showing I am responsible for these debts. If proper verification can not be provided, they must be removed from my report. 

Inquiries No disputed inquiries at this time. 

Late Payments XXXX XXXX XXXX, Acct : XXXX I am disputing the accuracy of reported late payments. Please verify the payment history directly with the creditor and remove any unverified delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
My Robinhood account has been indefinitely restricted without a clear reason or explanation. I am unable to withdraw my available cash balance of {$11000.00} or sell or transfer any of my assets. The total value of my account, including stocks, cash, and crypto, is approximately {$45000.00}. 

The restriction began around XX/XX/year>. Since then, I have contacted Robinhoods customer support multiple times requesting clarification and resolution. However, I have only received generic responses stating that my account is under review, with no specific reason provided. After I submitted the required documents the estimated time frame gets pushed back everyday for resolution.No resolution or any non-automatic message is sent to me. 

I have not been informed of any compliance or policy violations. My funds remain completely inaccessible, and I am unable to withdraw money, trade, or close my account. 

I am requesting that Robinhood provide a clear explanation for this indefinite restriction and restore access to my account, or allow me to withdraw my funds. 

Robinhood Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Good Day, I made a purchase on Amazon on XX/XX/XXXX for XXXX product The total cost for the product was {$3500.00}. 

The product was flawed. 

I have placed a return request with Amazon and they offered a return shipping label. 

The product was shipped back on XX/XX/XXXX. 

Amazon website shows the product was received back and a credit in the same amount {$3500.00} was issued.

Amazon Credit Card, however, never processed the credit on the account. 

I am still getting billed for it since XX/XX/XXXX, along with a monthly interest. 

I am requesting all Statements on the credit account from XX/XX/XXXX and a full refund for the original balance, all interest charges pertaining to this transaction, and all, if any, late payment fee charges to my account related to the same. 

Please find the attached receipts and confirmation for your review. 

Thank 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 monetary relief
Consumer complaint received 2025-11-03 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 am submitting this dispute to Experian regarding several charged-off accounts, late payments, and inquiries that appear on my credit report. I am a consumer working to repair my credit and want to ensure that all information reported is accurate and verifiable. 

Charged-Off Accounts in Dispute : XXXX XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX Account # XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX Account # XXXX XXXX XX/XX/XXXX, {$0.00} XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} Please verify ownership, balance, and charge-off or bankruptcy reporting. Any information that can not be verified should be deleted from my report. 

Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-11-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
During the summer, my credit cards accrued numerous unauthorized charges from a gaming company called XXXXXXXX XXXX I disputed these charges as I personally did not play these games or make any purchases. Chase under their investigation showed that I benefited from these transactions when in fact, I never originally made them. There were a total of 9 transactions made in XXXX. XXXX of these transactions seem to have been accepted but XXXX of them were denied. Below are the dates, charges, and results as of XX/XX/XXXX : XX/XX/XXXX, {$990.00}, denied XX/XX/XXXX, {$490.00}, credited XX/XX/XXXX, {$490.00}, denied XX/XX/XXXX, {$290.00}, credited XX/XX/XXXX, {$290.00}, denied XX/XX/XXXX, {$180.00}, denied XX/XX/XXXX, {$290.00}, denied XX/XX/XXXX, {$180.00}, credited XX/XX/XXXX, {$290.00}, credited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/year> Credit Control , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Request for Debt Validation under the FDCPA Dear Credit Control LLC, I am writing in response to a letter received on XX/XX/year> regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : l. The name of the original creditor.

2. The amount of the alleged debt, including a breakdown of any interest, fees, or other charges.

3. A copy of the original contract or agreement bearing my signature, if applicable.

4. A detailed accounting or statement showing how the alleged debt was calculated.

5. Proof that you are authorized to collect this debt in my state.

6. A copy of any judgment ( if applicable ). 
Until you provide this documentation, please cease all collection activities, including reporting this debt to credit bureaus. If you have already reported this debt, please notify them that the debt is currently in dispute. 
I also request that you do not contact me by phone. All future communication should be in writing and sent to the mailing address listed above. 

Sincerely, 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Subject : Escalation of Inaccurate Credit Reporting Complaint Against Shellpoint Mortgage Servicing Dear CFPB Investigator, I am formally escalating a complaint regarding Shellpoint Mortgage Servicings ongoing inaccurate reporting of my mortgage account ( # XXXX ) under the Fair Credit Reporting Act ( FCRA ) and Regulation X ( 12 C.F.R. 1024.35 ). Despite multiple written disputes, Shellpoint has failed to correct false information or conduct a reasonable investigation. 

Timeline of Events : XX/XX/XXXX : I submitted a written dispute to Shellpoint outlining that my mortgage account was being inaccurately reported as XXXX through Bankruptcy Chapter XXXX. I included supporting documentation showing that I reaffirmed the loan and have made continuous, timely payments. 
XX/XX/XXXX : Shellpoint responded, acknowledging that the account was marked as XXXX through Bankruptcy XXXX XXXX. They claimed the property was surrendered, even though I remain in possession of and continue to pay the loan. 
XX/XX/XXXX : I disputed the accuracy of their reporting and requested that they provide documentation of the XXXX debt and evidence that it the property was surrendered. They are re-aging the account based on the bankruptcy discharge date of XX/XX/XXXX. This is incorrect because the DOFD was XX/XX/XXXX. 
XX/XX/XXXX : Shellpoint issued another response stating that the bankruptcy notation remains for historical reference and that payment data is suppressed. They refused to correct the tradeline or provide documentation proving that the account was XXXX. 
XX/XX/XXXX Escrow Statement : Shellpoints own records show the account was open and current with no delinquencies, which contradicts their reporting to credit bureaus. 

Basis for CFPB Escalation : Shellpoints actions violate the Fair Credit Reporting Act and Regulation X for the following reasons : 1. Continuing to report the account as XXXX through Bankruptcy when the debt was reaffirmed and remains active violates FCRA 623 ( a ) ( 1

) ( A ). 2. Suppressing accurate payment history and reporting a false discharge status constitutes incomplete and misleading reporting under FCRA 623 ( a ) ( 2 ). 3. Failure to perform a reasonable investigation and provide supporting documentation violates 12 C.F.R. 1024.35 ( e ) ( 1 ).

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
I respectfully request that the following items on my Equifax credit report be reviewed and corrected to ensure they are accurate. If any of these items can not be verified, I request that they be removed from my credit report. 

Inquiries : XXXX, Date : XX/XX/year> Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to address discrepancies on my credit report with the three major credit bureaus ( Equifax, XXXX, and XXXX ). I request a full investigation into the following items, and if any information can not be verified, I respectfully ask that it be corrected or removed as required by the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute : XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$310.00} Dispute : The information on this account is inaccurate. Please verify and correct any discrepancies. 

BANKRUPTCY Account Number : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The information regarding this account is incorrect. Please investigate and remove or update accordingly. 

Inquiries in Dispute : No inquiries were identified as disputed for Equifax.

Late Payment Disputes : Equifax ( EQ ) : No late payments were identified as disputed for Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This dispute is directed at both XXXX  and Hyundai Motor Finance, because XXXX  reported and modified false charge-off fields, and Hyundai continues to inaccurately verify the same information and mark disputes as duplicate instead of conducting a legitimate reinvestigation as required under FCRA 1681s-2 ( b ). I am filing a new dispute in reference to CFPB Complaint # XXXX concerning XXXX inaccurate reporting and improper reinvestigation of my Hyundai Motor Finance account XXXX XXXX  previously stated that it updated the balance, charge-off amount, account history, and historical account information for my Hyundai Motor Finance auto loan , Account # XXXX. This account has never been charged off. My Hyundai Motor Finance online dashboard clearly shows the loan is open and active, with a regular monthly payment of {$650.00}, a recent payment posted on XX/XX/year>, and a principal balance of approximately $ XXXX the account is current and in good standing. XXXX claim of modifying or verifying a charge-off for this account is factually impossible and demonstrates that the agency either confused this account with a different Hyundai account that I previously disputed and had deleted, or conducted no reasonable investigation at all. Reporting or altering data to reflect a false charge-off violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting reporting of information known to be inaccurate ). Such conduct constitutes willful noncompliance subject to damages under 15 U.S.C. 1681n and 1681o. I request that the CFPB require XXXX  to conduct a new investigation, delete any and all charge-off references related to Account # XXXX, and correct the trade line to accurately reflect that the account is active, current, and has never been charged off.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
THIS IS A REVISION TO PREVIOUSLY SUBMITTED COMPLAINT XXXX. 

I called Citi Bank on XX/XX/year> to dispute some interest charges on my account. At the end of the call, I was promised that XXXX of the higher interest charges {$230.00} AND {$190.00} would be credited back to my account and that it would take a few business days to receive it. 

After waiting a while to receive the credit, on XXXX, I called them back and was told my requests for the interest fees would be reversed and not be credited back. I was then told that there was a one-time waiver already applied within the 12 months. When asked when and how much, I was told it was in the amount of XXXX. This was a deliberate attempt to not honor my request and quite fraudulent in my opinion! At the end of that phone call, they told me because they applied the XXXX, there's nothing else they can do. 

So, I tried calling again today ( XXXX ) and was told the same thing as above. I even asked them to reference the recorded conversation that explicitly stated what was promised. The customer service rep put me on hold, came back and still told me there was nothing he could do. I asked for a customer retention department and was told ( twice ) there wasn't one.

I now have the actual interest charges attached. Citibank did not honor their word. I did pay my bill a day after the due date. However, Citibank assured me they could do a one-time removal of the fees. 

I've been a long time customer and have had this card for almost a decade, and I have good payment and credit history.

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