vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Ive had an individual brokerage account at Robinhood Financial since XXXX of XXXX, without ever encountering any issues. On XX/XX/XXXX, I attempted to withdraw my funds back into the very same verified checking accounts at XXXX Bank and XXXX Bank ( from where they originated ) and Robinhood Financial suspended my account without reason, only indicating that my account was under review for unusual activity. My funds totaling {$13000.00} have been in limbo for a solid week now and I am unable to access my funds. Robinhood Financial will not communicate any reasoning, or legal basis to do so, only stating that my account is temporarily restricted due to an account review. I have submitted all the documents that they requested, including bank account statements, along with pictures of the front and back of my drivers license and several live selfie images of my face and head. I have done everything requested of me by Robinhood Financial over this past week. 

I have every right to transfer my money back into the same verified accounts from which the funds came ( these accounts were originally verified through their very own third party service by my providing my log in credentials ). They wont communicate and each day that I log in on their app, the date they indicate that I will be notified about my account restrictions keeps getting pushed back. The first date listed was XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and finally today it lists XX/XX/XXXX. This can not continue, as I have financial obligations to meet by the end of the month ( including my mortgage payment ) and I feel that what theyre doing here borderlines on criminal behavior. I have no problem with an account review, the problem here lies in their absolute lack of any communication on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : CREDIT COLL ServXX/XX/XXXX. XXXX XXXX XXXX, MA XXXX Re : Account # XXXX Amount {$620.00} Notice to Remove Collection from Credit Report To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account that your company has reported to the credit reporting agencies. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. 
Be advised of the following : A copy of a bill or statement is not proper verification or validation of debt. Courts have consistently ruled that debt collectors must provide competent evidence of the debt, including the original signed contract and a complete account-level breakdown ( flow sheet ) showing the full chain of ownership and transactions. 
I demand a copy of the security agreement/contract between your agency and the original creditor that grants you the legal right to collect on this account. Without proof of such an agreement, you have no legal standing to pursue or report this alleged debt. 
If you are unable to provide proper validation, including but not limited to : A copy of the original signed agreement bearing my signature, A complete payment history and accounting of the alleged debt, Documentation proving you have legal standing and assignment of this debt, The security contract or service agreement between your agency and the original creditor, then you must immediately cease collection activity and request deletion of this account from all credit reporting agencies ( XXXX, XXXX, and XXXX  ). 
Continued reporting of unverified or inaccurate information to any XXXX XXXX XXXX constitutes a direct violation of the FCRA XXXX and the FDCPA. If this account is not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois XX/XX/XXXXXXXX XXXX, in addition to pursuing civil remedies. 
This letter serves as my formal demand that you either : Provide full, proper validation of this account as outlined above, or Immediately remove all reporting of this account from my credit files. 
You are hereby notified that failure to comply within 30 days will result in further action to enforce my rights under federal law. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
I am a data-breach victim. Despite prior disputes and identity-theft reporting, the CRAs continue to report : Outdated addresses ( 10+ years, unrelated to any tradeline ) Employers and phone numbers not linked to any account Full DOB and last XXXX digits of SSN in disclosures Unauthorized hard inquiries, including new ones resulting from breached data FCRA Violations : XXXX No reasonable reinvestigation/deletion of unverifiable info XXXX ( b ) Failure to assure maximum accuracy XXXX Failure to block identity-theft info XXXX Failure to place fraud alerts XXXX Unauthorized inquiries without permissible purpose XXXX Improper SSN/DOB disclosures Relief Requested : XXXX. Order CRAs to block identity-theft items and delete unverifiable PII. 
XXXX. Remove all unauthorized inquiries unless CRAs provide certified permissible purpose. 
XXXX. Require truncation of SSN and DOB in disclosures. 
XXXX. Enforce furnisher obligations under 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 2025-08-21 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: CA

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX  Amount : {$17000.00} XXXX XXXX ) XXXX XXXX XXXX IN Amount : {$12000.00} XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX, VA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX NAMES LISTED : XXXX ) XXXX XXXX INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX ) XXXXXXXX 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 2025-08-21 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: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX  Amount : {$17000.00} XXXX XXXX ) XXXX XXXX XXXX IN Amount : {$12000.00} XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX, VA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX NAMES LISTED : XXXX ) XXXX XXXX INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX ) XXXXXXXX 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 2025-08-21 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: TX

Complaint narrative:
Transunion has unlawfully shared sold or purchased my personal information against my trademark name which has caused harm pain and distress also the defamation of my trademark name because of their actions I have been denied credit, loans, mortgages and any financial benefits and assistance also their company leaked my personal information in a recent data breach which make it impossible for any negative items on my report to be accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Transunion has unlawfully shared sold or purchased my personal information against my trademark name which has caused harm pain and distress also the defamation of my trademark name because of their actions I have been denied credit, loans, mortgages and any financial benefits and assistance also their company leaked my personal information in a recent data breach which make it impossible for any negative items on my report to be accurately reported.

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 2025-08-21 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$3300.00} XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$870.00} XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$2500.00} XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$2000.00} XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$1200.00} XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} XXXX  XXXX BANK XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$900.00} COLLECTION  # XXXX - Date Opened XX/XX/XXXX - Balance {$120.00} COLLECTION # XXXX - Date Opened XX/XX/XXXX - Balance {$170.00} COLLECTION # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NY

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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt I do not owe nor have I ever done business with this company.

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 2025-08-21 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: CA

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I created an account with XXXX, I verified my id and email.and phone number and my account was open to.use services. As soon as I added money into.the account they suspended my account for verification of ID, which was done already. Now there asking me to very bank account which was never even used to add money, they cant tell me when ill.have my momey

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
This complaint details a consistent and multi-year pattern of Unfair, Deceptive, and Abusive Acts and Practices by the originator and original servicer of my student loans, XXXX XXXX. Their actions and guidance exploited my lack of financial understanding in a way that was directly to my financial detriment and their financial gain. These acts involve material misrepresentations and are supported by XXXX 's own statements and letters, which I have uploaded. These issues have been compounded by ongoing servicing failures by the current servicer, Firstmark Services. 

The core issues involve Deceptive Counsel that occurred at every stage and every conversation when I inquired about ways to reduce my total debt. Instead of providing me clear and accurate information to my questions, I was provided deceptive and inaccurate counsel that was to the companies financial benefit and to my financial detriment. 

- As an XXXX Student : When inquiring about ways to reduce my debt, a XXXX representative made a material misrepresentation by stating I could not make any in-school payments without triggering monthly payments going forward. This directly caused approximately {$21000.00} in interest to be unnecessarily capitalized. 

- As a Recent Graduate Seeking Temporary Relief : When inquiring if there was an option to delay my first payment, a XXXX representative described to me a simple pause and misrepresented what was actually a formal loan modification. My uploaded statement proves this was a formal " XXXX, '' and a letter from XXXX explicitly names the " Early Repayment Assistance XXXX Program. '' This capitalized over {$2000.00} in additional interest. 

- As a Financially-Overwhelmed Borrower : During multiple calls in XXXX, while seeking ways to reduce my total debt, Firstmark Services consistently provided false, deceptive, and contradictory information regarding the application of extra payments. 

The attached formal complaint letter details the specifics of my complaint, the full timeline, and the demands for remediation that were also sent to XXXX and Firstmark Services for these abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: HI

Complaint narrative:
I sent detailed letters to the 3 Credit bureaus on XX/XX/2025, XX/XX/2025, and XX/XX/2025 and they have not corrected our Credit report issued by them.

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 2025-08-21 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: HI

Complaint narrative:
I sent detailed letters to the 3 Credit bureaus on XX/XX/2025, XX/XX/2025, and XX/XX/2025 and they have not corrected our Credit report issued by them.

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