vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
Dear sir or madame, I recently deposited funds ( {$690.00} ) into my Spending account at XXXX XXXX XXXX ( XX/XX/year> ). Immediately after depositing the funds, my account was put under review and accounts frozen pending review of documentation. I can't withdraw the {$690.00} or transfer it back to the original account. 

I uploaded said documentation immediately ( Bank statements ; completed XX/XX/XXXX at around noon ). 

Since then, I have tried to contact XXXX and have been on a " call waiting list '' for close to XXXX hours now which is outrageous in itself. 

I am not sure what else to do and, per research, the date they provide of review completion will almost certainly be pushed back. Either way, I don't understand why they would allow a deposit of funds and then freeze those funds with no explanation- my account is over XXXX years old. 

Thank you in advance for your time and assistance in this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Alorica Inc.
State: NM

Complaint narrative:
I am filing this complaint regarding a personal loan originally issued through XXXX XXXX, which is now being serviced by XXXX XXXX XXXX XXXX XXXX XXXX ( SST ). I am seeking clarification, relief, and possibly restitution regarding the terms and continued servicing of this loan. 

I never knowingly agreed to a loan with a 20 % interest rate. Had I been explicitly informed of this rateor even given a transparent APR disclosure in clear languageI would not have used XXXX services. More importantly, I would never have signed onto a long-term financial agreement with a company that would soon declare bankruptcy. This represents a severe conflict of interest and an egregious example of consumer exploitation, especially given the platforms marketed position as a debt-relief service. 

When I originally signed up for XXXX I was led to believe I would be consolidating my credit card debt under better terms with automated payments. Instead, the app began paying off my cards without my express permission or awareness of the amount, rapidly converting what was manageable credit card debt into a high-interest loan. This caused my loan balance to balloon much faster than expected, and I wasnt provided adequate, real-time notification or an opportunity to decline these transactions. 

Now that XXXX has ceased operations, I find myself paying SST for a loan tied to a defunct company, with virtually no recourse or transparency. There has been no meaningful communication from XXXX XXXX explaining the companys bankruptcy or how the debt was transferred. It appears I am paying off a ghost loanone I never would have agreed to under such terms if I had been given the full picture. 

I request : A complete itemized history of the debt and payments, including dates and dollar amounts transferred from XXXX to my credit cards. 
Documentation showing how and when this debt was transferred to SST. 
Written confirmation of the actual APR, as well as the payoff balance. 
A review of the original terms I consented to when using XXXX services, and whether these comply with Truth in Lending Act ( TILA ) guidelines. 

It is deeply concerning that a company offering debt solutions turned out to be a financial trapand one that outlived its own business model through XXXX collection agencies. The irony of a debt-relief company failing financially while locking consumers into long-term debt can not be overstated. 

At minimum, I want full transparency and the opportunity to refinance, restructure, or resolve this loan in a fair and lawful manner. If no action is taken, I will escalate this issue to the appropriate regulatory bodies, including the CFPB, state attorney general, and FTC. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX. Reason for Dispute : This account shows a repossession with heavy derogatory reporting. I dispute the accuracy and legality of the repossession under U

CC Article 9. Please provide all documentation of notice of sale, lawful repossession, and fair market value accounting. FCRA Basis : 611 ( a ), 609 ( a ) ( 1 ) ; UCC Article 9 Failure to provide notice or conduct commercially reasonable sale renders the debt uncollectible. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. If information can not be provided within 15 days, please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 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 2025-07-22 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: PR

Complaint narrative:
PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My name is XXXX, on the year of XXXX  after I graduated high school I opened my very first account with Bank of America. My account was took over by XXXX adults that I trusted. So by the time year XXXX hit my mom was receiving mail. She received the mail that my account was closed and there was suspicious transactions going on in my account the account was closed and that caused me not to be able to open another account for any bank.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
I'm doing a request for Lexis Nexis as something is on there that is causing my insurance to be extremely high. upon checking one with one site my report reads I haven't had insurance in 2 years, and I have a at fault car accident in XX/XX/year>. this is incorrect information that need to be corrected as this is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Citibank account was placed under review either XX/XX/XXXX or XXXX. Im unsure of the exact date because they didnt even have the decency to inform me. I made many calls to them on XX/XX/XXXX in an attempt to see what the issue was. They would not tell me why my account was under review. I came to learn that this process can take up to XXXX  days. That is absolutely unacceptable. I told them I had urgent payments coming up that could potentially leave me and my family ( XXXX XXXX XXXX XXXX XXXX ) displaced with no mode of transportation. They were unmoved and were unwilling to work with me. I realize I made a lot of transactions on a new account. However, my family is moving ( hence why I need access to my account to pay fees and rent ) and Ive had to pay several application fees and make purchases for the new home. Also, Ive offered to show them confirmations and receipts for each transaction to speed up the process. Ive contacted customer service as well as the executive unit of Citibank. I received no email back other than XXXX automated messages that say they will get back to me in XXXX  days. My family will be XXXX by then. They were unwilling to work with me at all. At this point I absolutely do not want my Citibank account, I simply want my funds. Not a check, because that will be a longer timeframe of me having no money. Id like to withdraw my money from a branch and close the account. Citibank has proven to be entirely unreasonable, secretive and inefficient. This is not a bank that a person living check to check can depend on. A person can not be randomly cut off from the only money that have for seemingly no reason and without any updates or timeframe of when theyre access will be restored. Citibank does not care about its customers.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I plaed a stop order on XXXX differetn coins within my holdings. All XXXX  of them over a XXXX  day period hit the stop limt and was placed into a open order that was never filled. these funds were then locked up and could not be sold until the stop limit order was cancelled and was only able to sell with the manual process. Costing me a few XXXX dollars in the delay. 
I tried to file acomplaint with coinbase about this issue there complaint system reuysed to verify my so there can be no complaints filed as the email they requested me to send Was sent and I receive XXXX XXXX but the online system that requires you to push the verify button to XXXX your complinat never activiates so no one can send a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS 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

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Numerous attempts have been made to file disputes on an incorrect charge back showing on the three credit bureaus experian, TransUnion and equifax for an open sky account with a delinquent balance or {$160.00} dollars which they refuse to remove from my credit report upon doing my own research they had numerous addresses listed under my name which I have ever lived in or have anything to do with in which they acknowledged that and granted my disputes on those addresses but refuse to remove the charge back on the delinquent account named above which I am sure had something to do with those incorrect addresses listed under my name this situation is really hindering my credit and opportunities and it is against the law please see that attached proof and of the incorrect addresses that were acknowledged and removed from my credit profile but they continue to negligently deny my dispute on a account I have no knowledge of just as the addresses. They also had my name spelled in four different ways that were incorrectly spelled under my name also

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Numerous attempts have been made to file disputes on an incorrect charge back showing on the three credit bureaus experian, TransUnion and equifax for an open sky account with a delinquent balance or {$160.00} dollars which they refuse to remove from my credit report upon doing my own research they had numerous addresses listed under my name which I have ever lived in or have anything to do with in which they acknowledged that and granted my disputes on those addresses but refuse to remove the charge back on the delinquent account named above which I am sure had something to do with those incorrect addresses listed under my name this situation is really hindering my credit and opportunities and it is against the law please see that attached proof and of the incorrect addresses that were acknowledged and removed from my credit profile but they continue to negligently deny my dispute on a account I have no knowledge of just as the addresses. They also had my name spelled in four different ways that were incorrectly spelled under my name also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX I paid a local moving company what I thought was a \ {$270.00} job ( XXXX $ XXXX ; I explicitly asked twice whether any additional or truck fees would apply and was told not at all ) to move my furniture and personal belongings just a few miles. When they arrived, loaded my items, and reached my new address around noon, they presented an invoice for XXXX XXXX XXXX XXXX XXXX XXXX over four times the original estimateby tacking on undisclosed surcharges ( truck fee, materials, special handling, longcarry, transaction fee ). 

When I objected, the crew refused to unload and directed me to call their supervisor. During a * * 21minute duress call * *, the supervisor threatened to drive off with all my property unless I paid the full amount. Under clear coercion, I paid the \ {$1200.00} and only then did they complete unloading by XXXX. Their time logs even record 6hrs15min of labor by noon despite arriving around XXXX impossible timeline demonstrating intentional overbilling. 

Withholding personal property to extract payment under threat constitutes criminal extortion under Florida law ( Fla.Stat. 836.05 ), and the Florida Department of Agriculture & Consumer Services explicitly warns that this hostage move tactic may be a thirddegree felony. 

After disputing the charge with my creditcard issuer, Bank of America first declined my claim because I hadnt submitted a cancellation form, applying an internal policy for estimate only transactions. When I escalated, they refused againstating simply that the merchant may charge more than the amount estimated or quoted, entirely ignoring the coercive hostage tactics and unauthorized fees. 

I have already filed : * A police report ( XXXX XXXX XXXX # XXXX ) * A complaint with the Florida Department of Agriculture & Consumer Services ( Complaint # XXXX ) * A complaint with the Florida Attorney Generals Consumer Protection Division * A complaint with the XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX A complaint with the Federal Trade Commission ( Complaint # XXXX ) Despite all of these, the mover continues to deny wrongdoing and my bank refuses to reverse the charge. I respectfully request that the CFPB investigate these unauthorized, coercive charges as fraud and enforce protections under the Fair Credit Billing Act.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have attempted to settle this account in good faith including certified mail, emails, and phone calls. The collector has refused to respond. I request that this be resolved or removed from my credit report as I am actively trying to pay. I have sent XXXX plus emails to them, I have called probably XXXX times and no one answers, Ive left voicemails and no call back, I have sent certified mail XXXX  times. I have offered to pay a lump sum of {$2000.00} for a {$4000.00} debt and they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EXPERIAN Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). As per the FCRA, closed accounts  should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX 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