vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, Robinhood forcibly restricted my account without clear explanation. As a result, I was unable to buy or sell securities in a timely manner, which may have caused financial loss.

On XXXX XXXX XXXX, Robinhood forcibly closed my account. After the closure, Robinhood refunded my initial investment but did not return the remaining balance of {$430.00} that was still in the account. I have contacted Robinhood several times to request the return of these funds.

They instructed me to schedule a phone call via the in-app support system. However, because my account had already been restricted, I could no longer access that function. I also attempted to send several follow-up messages within the platform, but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NRA Group, LLC
State: FL

Complaint narrative:
I have two derogatory accounts from Nation Recovery Agency. One in the amount of {$950.00} and one for {$1800.00}. I do not recognize either of these alleged past due accounts. I received a response from the originating account hold XXXX XXXX XXXX advising they were outdated and that they requested the current account holder remove them. I have filed multiple request to remove said accounts from my credit report in accordance with the new rule that medical bills be excluded from credit reporting agencies. All requests have been denied by the 3 bureaus. I have no originating knowledge of what these accounts are for, and would like any alleged medical debt be removed.

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 2025-05-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-21 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: CA

Complaint narrative:
I am filing this complaint because I am a verified victim of identity theft. I submitted an official Affidavit of Identity Theft to the credit reporting agencies ( Equifax, Experian, and TransUnion ), disputing several fraudulent accounts and addresses that were opened in my name without my knowledge or consent. 

Despite my affidavit and supporting documentation ( including proof of ID and residency ), the credit bureaus have continued to report inaccurate and unauthorized information. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires credit bureaus to promptly investigate and remove unverifiable or incorrect information.

I have made multiple attempts to resolve this directly with the credit bureaus. Ive complied with all verification procedures, including submitting my affidavit, photo ID, utility bill, and a copy of my Social Security card. However, the inaccurate information remains, damaging my credit and exposing me to further fraud risk.

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 2025-05-21 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: NC

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 2025-05-21 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I requested to close our escrow account with Citizens with a representative on the phone. They told me we would be charged approximately {$600.00} to close the account. I let them know that at no point were we informed there would be a fee to close our escrow account. We originally took at the mortgage with XXXX XXXX XXXX XXXX ( XXXX ). Citizens later purchased our mortgage. At no point during the loan process or transfer process to Citizens were we informed of any fee to close the escrow account. 

On XX/XX/year> I spoke with a Manager named XXXX XXXX to continue to address this issue. He told me he would escalate the case. 

On XX/XX/year>, I receive an email from XXXX XXXX, Home Mortgage Response Specialist, Customer Service Research Team who informed me the fee is indeed valid, can not be waived and attached a XXXX XXXXile of " Citizens Common Servicing Fees ''. I responded that this was unacceptable as they had never disclosed these fees to me. She then included an " Advocate '' to address my concerns as I stated I would file a complaint, contact my State Attorney and embark on a social media campaign to address this issue. 

The advocate, although kind, is an asset of Citizens and over the course of 2 weeks came back to say the fee was indeed valid and could not be waived. 

On XX/XX/year>, I wrote back to XXXX XXXX to state that I demanded the fee be waived by XX/XX/year> or I would file a complaint with CFPB. She has not responded. Today is XX/XX/year> and I am formally filing a complaint. 


In addition to there being no disclosure of fees for closing our escrow account, I have learned that the home insurance rates we pay from our escrow account are approximately {$300.00} higher than if we paid it directly. This is shocking and predatory. 

Citizens sent me a XXXX file with a list of their fees, including those for closing escrow accounts upon receiving my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On all of the XXXX credit reporting agencies ( Experian, TransUnion, and Equifax ) and their subsidaries, there is different information about a Bankruptcy. This information is wrong and and they indicated that it was verified with the XXXX XXXX XXXX XXXX When I spoke in person with the XXXX XXXX XXXX XXXXXXXX, the information shared stated of no information is given to a third party at anytime. Additionally, this bankruptcy information is not consistent with the credit agencies ; one XXXX have information listed where the others do not.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On all of the XXXX credit reporting agencies ( Experian, TransUnion, and Equifax ) and their subsidaries, there is different information about a Bankruptcy. This information is wrong and and they indicated that it was verified with the XXXX XXXX XXXX XXXX When I spoke in person with the XXXX XXXX XXXX XXXXXXXX, the information shared stated of no information is given to a third party at anytime. Additionally, this bankruptcy information is not consistent with the credit agencies ; one XXXX have information listed where the others do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
These accounts are unused and unrelated to me currently. The accounts included XXXX, Caine and Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by your company to the credit bureaus regarding the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

If you are a third-party debt collector, you are also governed by the FDCPA, which prohibits the use of false or misleading representations in connection with the collection of a debt ( 15 U.S.C. 1692e ) and requires proper validation of the debt under 15 U.S.C. 1692g.

I have reviewed my credit report and found that the following information reported by your company is inaccurate and/or incomplete : The dates of delinquency/payment/charge-off are incorrect.

The account balance and payment history do not match my records.

The account may be misattributed, duplicated, or does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/XXXX, and via the United States Postal Service First-Class Mail, I submitted a completed Annual Credit Report Request Form for a copy of my Equifax credit file. As of this writing, Equifax has made no response. 
On XX/XX/XXXX, and via the United States Postal Service First-Class Mail, I submitted a second completed Annual Credit Report Request Form for a copy of my Equifax credit file. As of this writing, Equifax has made no response. 
On XX/XX/XXXX, and via the United States Postal Service First-Class Mail, I submitted directly to Equifax a two page letter that included copies of the two previous completed Annual Credit Report Request Forms and made a third request for a copy of my Equifax credit file. As of this writing, Equifax has made no response. 
As of this writing, 200 days have elapsed since my first written request for a copy of my annual credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
On XX/XX/XXXX, my loan servicer XXXX sent formal written notice stating that 100 % of my federal student loans associated with the University XXXX Arizona XXXX XXXX were discharged under the XXXX Department of Educations Borrower Defense to Repayment program.

The letter clearly indicates that these loans were fully discharged, have no remaining balance, and that XXXX would notify all three nationwide credit reporting agencies Experian, TransUnion, and Equifax within 45 days to remove or update any prior credit reporting related to the identified loans. 

As of XX/XX/XXXX, all three credit bureaus are still reporting two Department of Education/XXXX accounts ( partial account numbers : XXXX ) as open, deferred, and carrying balances of {$6500.00} and {$4300.00}, respectively. These accounts are inaccurately listed as Open / Never Late with a future repayment start date of XX/XX/XXXX, despite being formally discharged. 

This violates both the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, which require discharged federal loans to be updated with : A {$0.00} balance A closed status A proper loan discharge notation under the Compliance Condition Code field ( e.g., BC for bankruptcy or AL for XXXX XXXX forgiveness, as applicable ) I have disputed the reporting directly with Experian, TransUnion, and Equifax and submitted the discharge documentation. However, all three continue to furnish inaccurate, outdated information. This has caused material harm to my credit profile and misrepresents my legal and financial standing. 

I am requesting that the Consumer Financial Protection Bureau : Investigate this matter and compel all three bureaus to fully correct or remove the inaccurate entries Confirm that the accounts are either fully updated to reflect a {$0.00} balance and discharged/closed status or deleted entirely if they are no longer eligible for reporting I have attached the formal Nelnet discharge letter dated XX/XX/XXXX, for your review, along with supporting documentation showing the current inaccurate 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 2025-05-21 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: MI

Complaint narrative:
On XX/XX/XXXX, my loan servicer XXXX sent formal written notice stating that 100 % of my federal student loans associated with the University XXXX Arizona XXXX XXXX were discharged under the XXXX Department of Educations Borrower Defense to Repayment program.

The letter clearly indicates that these loans were fully discharged, have no remaining balance, and that XXXX would notify all three nationwide credit reporting agencies Experian, TransUnion, and Equifax within 45 days to remove or update any prior credit reporting related to the identified loans. 

As of XX/XX/XXXX, all three credit bureaus are still reporting two Department of Education/XXXX accounts ( partial account numbers : XXXX ) as open, deferred, and carrying balances of {$6500.00} and {$4300.00}, respectively. These accounts are inaccurately listed as Open / Never Late with a future repayment start date of XX/XX/XXXX, despite being formally discharged. 

This violates both the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, which require discharged federal loans to be updated with : A {$0.00} balance A closed status A proper loan discharge notation under the Compliance Condition Code field ( e.g., BC for bankruptcy or AL for XXXX XXXX forgiveness, as applicable ) I have disputed the reporting directly with Experian, TransUnion, and Equifax and submitted the discharge documentation. However, all three continue to furnish inaccurate, outdated information. This has caused material harm to my credit profile and misrepresents my legal and financial standing. 

I am requesting that the Consumer Financial Protection Bureau : Investigate this matter and compel all three bureaus to fully correct or remove the inaccurate entries Confirm that the accounts are either fully updated to reflect a {$0.00} balance and discharged/closed status or deleted entirely if they are no longer eligible for reporting I have attached the formal Nelnet discharge letter dated XX/XX/XXXX, for your review, along with supporting documentation showing the current inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CT

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 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 1 am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX XXXX Account Number : 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