vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have hard inquiries from XXXX XXXX XXXX that are not mine ; also unauthorized auto loan account with XXXX XXXX There is a several impact on my credit score. Someone is accessing my credit and opening unauthorized inquiries and accounts with my information. 

On the other hand personal information is incorrect ( Year of Birth, Addresses and Employers ). 

Also, personal statement referring to ID Security Alert was not written by me.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by Westlake Financial. 

Westlake Financial is currently listed on my credit report as the creditor for an account that is marked closed. Despite this, they continue to report missed payments on the account. If the account is closed, there should be no ongoing payment activity. Furthermore, Westlake Financial has stated they are not the company responsible for the debt. If that is the case, I need to understand why their name appears on my credit report at all. 

This contradiction is damaging to my credit profile and raises serious concerns about the accuracy and legality of their reporting practices. 

Additionally, I am aware that both Westlake Financial and US Auto Sales have filed for bankruptcy and are currently under investigation by the CFPB and the Department of Justice for various violations. Given this context, I am requesting that this account be thoroughly reviewed and removed from my credit report if it is indeed closed and Westlake Financial is not the responsible party. They have violated the SCRA and the TCPA I am requesting a formal investigation into this matter and a resolution that reflects accurate and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am filing this complaint because Robinhood restricted and then closed my brokerage account while still holding all of my funds.

I had deposited over {$30000.00} into Robinhood from my own verified XXXXXXXX XXXX  account and personal crypto wallet. After attempting to send approximately {$1000.00} in crypto, I received an email from Robinhoods compliance team requesting a bank statement to verify my source of funds. 

Before I could even respond and provide the requested statement, my account was abruptly closed and all transfers were disabled. Since then, I have been unable to withdraw my balance, and Robinhood has refused to provide any timeline or explanation for releasing my funds.

All deposits originated from legitimate, verifiable sources in my own name. I had no open positions at the time of closure, as I liquidated my holdings to avoid forced sales.

Despite multiple follow-up messages, I have only received generic responses that my account is under review. Robinhood has not identified the bank or custodian currently holding my funds or when I can expect to receive them. 

This has caused serious financial hardship, as Robinhood is holding a large portion of my money indefinitely despite me having complied in good faith with their requests. I did not violate any laws or policies, and I was denied the chance to complete their verification process.

I am requesting the CFPBs assistance to compel Robinhood to : 1. Confirm the total cash balance currently held in my name and the partner bank ( e.g., XXXXXXXX XXXX or XXXX XXXX ) that is holding the funds ; 2. Expedite the release or transfer of my funds to my verified linked bank account ; and 3. Provide a written explanation for the account closure and failure to process my submitted documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: U.S. BANCORP
State: MA

Complaint narrative:
Our business credit card was charged 24 times to a total of {$3700.00} ( plus interest and over limit fees ) in connection with an AI-driven XXXX marketing campaign that was supposed to target potential group-event customers in our immediate local area. Instead, the campaign was erroneously placed in markets that are completely irrelevant to our businessincluding placements over an hours drive away, and in some cases all the way in California. 

After contacting XXXX to no positive result ( they claimed they delivered the ad campaign as promised ), we disputed all 24 charges with our credit card company because the campaign was delivered incorrectly and did not match the agreed targeting parameters. The card issuer acknowledged the issue on 3 of the 24 charges and credited those, but inexplicably denied the other 21 charges even though all 24 charges involved the same campaign, same error, and same time frame. Please note that we only received documentation of denial on one of the 21 remaining charges. At present our account is still holding charges amounting to {$3200.00} plus interest and overlimit fees due to this. 
In their denial letters, Elan XXXX XXXX stated that the disputes were denied due to insufficient information supplied to support your claim. This is inaccurate. Over the course of several months, I spoke to multiple Elan agents ( please refer to the document outlining the timeline, type and summary of communication ), explained the situation repeatedly, and faxed and mailed all supporting documentation twice. The evidence clearly demonstrated that the ad placements were delivered to incorrect markets.

Despite this, Elan closed the majority of the disputes without explanation. Their letters ( of denial & acceptance of the dispute ) appear to treat each charge as unrelated, ignoring the fact that this was one single, identical dispute applied to multiple daily charges. 


* * Please see attached documents that were submitted to Elan for their dispute process

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 2025-10-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit disputes. I have submitted multiple written disputes over the past several weeks, including XXXX filed more than XX/XX/XXXX days ago, yet the credit bureaus have not provided any valid documentation verifying the accuracy of the disputed account listed below. 

Disputed Account : XXXX XXXX, Account Number : XXXXXX/XX/XXXX ( Collection Account ) Despite several requests for a full reinvestigation, the bureaus continue to report this account inaccurately. This is a clear violation of my consumer rights under federal law. 

Violations Include : Failure to conduct a reasonable reinvestigation as required by 15 U.S.C. XXXX ( a ) Failure to provide the method of verification under 15 U.S.C. XXXX ( a ) ( XXXX ) Failure to ensure maximum possible accuracy as required by 15 U.S.C. XXXX ( b ) To date, none of the credit bureaus have provided : The method and procedures used to verify this account The documentation relied upon during the reinvestigation process The full contact information of the furnisher that verified the account These actions show a willful disregard of the FCRA. I have now filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XX/XX/XXXXState Attorney Generals Office documenting these repeated violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX -- - Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries Auto loans -- - Dear Credit Bureau Representative, I am writing to dispute multiple unauthorized hard inquiries that appear on my credit reports under the names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and/or similar entities. I did not authorize these inquiries, nor did I apply for credit, financing, or any other service that would warrant them. 

The inquiries are as follows : 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 ] In accordance with the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), a credit report may only be accessed with a consumers explicit consent or for a permissible purpose. Since I did not authorize these inquiries, they should be investigated and removed immediately from my credit file.

Please provide the following : 1. Documentation that proves I authorized each of these inquiries, including any application or signed consent form.

2. Written confirmation once your investigation is complete, along with an updated copy of my credit report showing any removals or corrections.

I have included copies of my government-issued photo ID and proof of address to verify my identity.

If these inquiries can not be verified as authorized, I expect them to be deleted from my credit file promptly, and notification sent to me confirming such action.

Thank you for your attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, [ XXXX v XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX -- - Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries Auto loans -- - Dear Credit Bureau Representative, I am writing to dispute multiple unauthorized hard inquiries that appear on my credit reports under the names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and/or similar entities. I did not authorize these inquiries, nor did I apply for credit, financing, or any other service that would warrant them. 

The inquiries are as follows : 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 ] In accordance with the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), a credit report may only be accessed with a consumers explicit consent or for a permissible purpose. Since I did not authorize these inquiries, they should be investigated and removed immediately from my credit file.

Please provide the following : 1. Documentation that proves I authorized each of these inquiries, including any application or signed consent form.

2. Written confirmation once your investigation is complete, along with an updated copy of my credit report showing any removals or corrections.

I have included copies of my government-issued photo ID and proof of address to verify my identity.

If these inquiries can not be verified as authorized, I expect them to be deleted from my credit file promptly, and notification sent to me confirming such action.

Thank you for your attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, [ XXXX v 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing the failure of Capital One to properly investigate a chargeback against merchant XXXX XXXX XXXX for {$1000.00} + {$170.00} Resort Fee ( Transaction Date : XX/XX/scrub>XXXXXXXX ).

The underlying issue is a complete failure of service from the merchant. I booked a hotel stay ( Booking ID XXXX ) and was forced to check out early because the room was unfit for human habitation due to documented severe mold and a heavy fly infestation. 

Actions Taken by Me ( Customer ) : I filed a dispute with Capital One. I provided overwhelming evidence, including : Photographs of the mold and flies ( a clear health hazard ). 

Email documentation where the hotel ( XXXX ) acknowledged the early departure ( " utilized for 3 nights '' ). 

Emails showing the booking agent ( XXXX ) acknowledged the issue by offering an insufficient partial refund of {$150.00}. 

Actions Taken by Capital One ( The Bank ) : Capital One temporarily credited the account, but later rebilled the charge. 

The bank closed the case, stating that the merchant 's " no cancellation policy '' was upheld. 

The bank is basing its decision on a technicalitythat the merchant did not use the exact word " canceled '' while ignoring the undisputed physical evidence that the service was defective, unsafe, and a breach of contract by the merchant. 

I request that the CFPB compel Capital One to reopen the dispute and conduct a thorough review based on the photographic evidence and the legal principle of Failure to Deliver Service Fit for Intended Purpose. I am seeking a full credit of {$1000.00} + {$170.00} Resort Fee for the defective service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: OH

Complaint narrative:
A family member used my credit card when I was in the hospital for XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint because Credence Resource Management is reporting a collection account on my credit report for an alleged XXXX XXXX XXXX debt ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$190.00}. 
I have disputed this account multiple times with both the credit bureaus and the collection agency. It has now been well over 60 days, and I have not received any documentation or validation of the debt as required under the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

The company has continued to furnish this information to the credit bureaus without providing proper verification. This is a violation of XXXX XXXX reporting standards, which require all data furnishers to report accurate and verifiable information, and a violation of FCRA 623 ( a ) ( 1 ) ( A ) which prohibits reporting information known to be inaccurate. 
I am requesting immediate removal of this account from all credit bureaus, as the furnisher has failed to meet its statutory obligations to verify the debt or provide documentation supporting its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
They say they are sending my block account to a specialist team and it shouldn't this long I for it to be reviewed it's been a month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 filing this complaint because my credit report with TransUnion contains fraudulent charge-off accounts that I did not authorize or provide. I have submitted my identification, Social Security number, and proof of current address to support my claim. 

I found a fraudulent collection account reported by XXXX XXXX with ( without ) account number XXXX opened on XX/XX/year>, with a balance of {$440.00} I did not authorize or open this account, and I have no knowledge of it. 

This account is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including : - XXXX U.S.C. XXXX Right to dispute and have inaccurate or unverifiable information removed - XXXX U.S.C. XXXX Furnishers must not report inaccurate information - XXXX U.S.C. XXXX No permissible purpose for accessing or reporting this account - XXXX U.S.C. XXXX Prohibits false or misleading representations in debt collection ( FDCPA )

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 2025-10-15 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: Block, Inc.
State: MD

Complaint narrative:
I purchased a new phone and when I attempted to log into Cash App it said my account didn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
Originally XXXX reported as a collections on my report, but I have my receipt where it shows I owed nothing on my prepaid account. They also tried saying my cash payment was returned and they added a return check fee for my XX/XX/XXXX cash payment. I tried talking to them and all they do is hang up. I reported them to the FCC since they shouldn't be reporting anything at all, but I have not received a conclusion of that. Fast forward to XXXX XXXX obtaining the collection, I also tried telling them I had proof I owed nothing, but they will not accept it. I keep disputing it submitting my receipt for that day and they keep denying my request. Well today XX/XX/XXXX, I received notification that XXXX XXXX reported that as a new account that was opened on XX/XX/XXXX and it says first reported on XX/XX/XXXX. They shouldn't be allowed to do this and I am hoping your company will investigate.

Company response to consumer: Closed with explanation