vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Upon arrival to the airport on my flight on XXXX my phone fell out of my pocket at some point between deboarding the plane and reaching my partners vehicle at the arrivals pickup drive area of the airport. I did not become aware that my device was missing until after we reached the hotel that we had reserved for my stay. I immediately attempted to locate my device using the XXXX XXXX  XXXX feature on my XXXX, however, it still appeared to be turned off following the conclusion of my flight. I contacted my airline to ask if they had found the device, as well, to which they replied that they unfortunately had not. The next morning, I checked the program again to see if a location was available. Much to my surprise, a location was shown. This location was not XXXX, however. Over the course of the next 2-3 days, my device was shown at various locations throughout the map of the city. Myself and my partner attempted to locate the device, however, the location information that was shown was oftentimes fetched at time periods that were hours prior, rather than providing live location data for the device. On the evening of XXXX, the device was seen in the vicinity of the XXXX XXXX XXXX, which it had been seen at numerous other times following its disappearance. Early the following morning, the device was shown in the same location ( XXXX minutes ago ) with no indication that it had moved between that time and the previous evening. Thus, we traveled to the casino in an attempt to locate the device using a feature offered on my XXXX XXXX that can assist when trying to pin-point ones mobile device. After over an hour of searching, we were able to locate the device outside of the casino in an area of grass near the parking garage. Upon retrieving the device, I discovered that numerous transactions had been processed using cards associated with my digital wallet ( XXXX XXXX ), as well as multiple ACH transactions using my bank routing & account number. 

I have now been informed by a Huntington Bank branch employee that Huntington has chosen to end their relationship with me, however, I have been provided no details regarding the outcome of my disputes currently in-process with the banking institution and no timeline regarding when I my funds that were within the accounts held at the bank will be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXXXXXX XXXX is reporting inaccurate and unverifiable information to the credit reporting agencies Experian, TRANSUNION and XXXX. Ive tried to dispute the inaccurate account and XXXXXXXX XXXX  refuses to remove this inaccurate account in accordance with the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
List of inaccurate information and unverifiable facts. 
XXXX ) XXXXXXXX XXXX states this account was closed on XX/XX/XXXX however XXXX XXXX IS REPORTING LATE PAYMENTS AND ON TIME PAYMENTS AFTER SAID DATE ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX  states this account was closed on XX/XX/XXXX however XXXX XXXX LAST REPORTED INFO XX/XX/XXXX ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX STATES THIS ACCOUNT IS IN COLLECTIONS/CHARGED OFF HOWEVER XXXX IS REPORTING A BALANCE AND NO XXXXXXXX XXXX FORM WAS EVER SENT TO ME ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX  STATES THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER XXXX XXXX IS REPORTING POSTIVE PAYMENT HISTORY AFTER THAT DATE ( this information is incorrect inaccurate and unverifiable ) XXXX ) XXXXXXXX XXXX STATES THAT THIS ACCOUNT BELONGS TO ME HOWEVER THIS ACCOUNT WAS NEVER OPENED WITH MY PERMISSION OR AT MY DIRECTION ( this information is incorrect inaccurate and unverifiable ) As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC 1681i ( 7 ) Method of verification.

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 2025-04-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU XXXX - Unauthorized Inquiry 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU XXXX - Unauthorized Inquiry 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I have contacted the company via XXXX mail and over the phone and request to update or delete my information and if not delete tehy must provide correct information to credit bureaus and validation to me but they refuse it and ignore it I contact them once every month for the past XXXX  months

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have contacted the company via e mail and over the phone and request to update or delete my information and if not delete tehy must provide correct information to credit bureaus and validation to me but they refuse it and ignore it I contact them once every month for the past XXXX months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I have contacted the company via e mail and over the phone and request to update or delete my information and if not delete tehy must provide correct information to credit bureaus and validation to me but they refuse it and ignore it I contact them once every month for the past XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Today I received an email from Robinhood that they were closing all of my accounts with them. 

I maintain more than {$100000.00} in assets with Robinhood, including more than {$60000.00} at their XXXX cash sweep account, a debit card spend account, and XXXX I paid Robinhood for a XXXX XXXX and I recently transferred assets into Robinhood as part of XXXX of the promotional bonus programs. My activity/volume at Robinhood has remained consistent and essentially the same for at least the last XXXX years. I have provided all XXXX information requested by Robinhood in the past to their team 's satisfaction. 

I am very concerned that Robinhood decided to close my accounts today without warning, without explanation, and without conducting any type of review. 

I expect that Robinhood will take the position that the account closure entitles them to take back several promotional bonuses that I have already earned with them. Just last month in XXXX, Robinhood ran a full month of several promotional bonus programs back to back. I suspect that Robinhood ended up spending more on their XXXX promotions than they had planned, and they are now looking for ways to save on expenses ( including by closing customer accounts who have previously earned bonuses ). 

Given the complete lack of any explanation for this decision in Robinhood 's email, I am very concerned that Robinhoods actions are in bad faith and designed to avoid paying myself ( and perhaps other customers ) the promotional bonuses that we previously earned. Robinhood will undoubtedly say that their terms and conditions allow them to close a customer 's account whenever they choose for any reason. But my response is that Robinhood closing accounts to avoid paying bonuses that customers legitimately earned violates the implied covenant of good faith and fair dealing in all contracts and they can not hide behind their terms and conditions to steal from customers. 

I demand that Robinhood keep my accounts open and provide an explanation for exactly what account activity they claim would have justified an account closure. Happy to discuss the issue with Robinhood 's legal team. I reserve all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2025-04-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I originally requested an XXXX XXXX to be done when I got cheaper insurance in early XXXX. When I called into the company, I was transferred to some department and given an email to send my updated insurance premiums to get the analysis done. After a few weeks and no response, I called back in to find out they never processed my escrow analysis as requested and was told to resubmit. Now this was XX/XX/XXXX, almost XXXX weeks after my original request. I was told by multiple employees it would be XXXX business days to get it done. Well, after XXXX  days and now mid XXXX, I still did not hear anything so I called back in to find out that it's now XXXX  days and the previous XXXX employees were wrong. So now its been XXXX business days ( XXXX XXXX ) and they sent me an updated escrow analysis using the wrong premium amounts, double charged my hazard payment and used wrong renewal dates to increase my escrow payment. They are trying to commit escrow fraud by making me agree to a faulty escrow analysis and said I never submitted the premiums even though I submitted them multiple times as requested. Then the employee threatened me that a new escrow analysis will only be done after I pay the mortgage payment for the incorrect escrow amount. All my phone calls with them was recorded and am requesting that an investigation be done into this so called debt collector acting as a mortgage handler.

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 2025-04-07 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: FL

Complaint narrative:
My frustration isnt just about the errors themselvesits about the silence and inaction when I raise concerns. I shouldnt have to keep fighting to fix mistakes that are clearly hurting me. These issues are affecting major areas of my life, from housing to employment to financial security.

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 2025-04-07 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: OH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing four accounts currently being reported and collected by LVNV Funding LLC, serviced by Resurgent Capital Services. I requested full validation of the debts as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In response, I received limited documentation that does not adequately verify the validity, ownership, or details of the debts. The information provided lacks signed contracts, a clear chain of custody of the debt, and complete itemized billing statements. 
I believe these accounts are either inaccurate, unverifiable, or do not belong to me, and I am requesting that the companies provide full validation or cease all collection activity. Additionally, I request these accounts not be reported to credit bureaus unless fully validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: LA

Complaint narrative:
Ive been dealing with the fallout from these report errors for far too long. I've had credit cards declined, watched my score tank for reasons that make no sense, and spent countless hours trying to dispute entries that shouldn't even exist. It's humiliating and stressful, especially when these issues are beyond my control.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request that my name be updated in your records to accurately reflect the name listed on my official identification : XXXX XXXX XXXX. 

Additionally, I am requesting the immediate removal of the following inaccurate and non-mailable address from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is both incorrect and improperly associated with my credit file. I am also requesting that any other outdated or inaccurate personal informationsuch as former names or addresses not matching my current addressbe thoroughly reviewed and removed if found to be erroneous. My correct and mailable addresses is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, and you are required by law to conduct a reasonable investigation of my claims. I am aware that the Consumer Financial Protection Bureau ( CFPB ) has previously taken action against XXXX and XXXX for failing to conduct proper investigations, and I expect this matter to be handled with the seriousness and diligence required by federal law. 

You are legally required to investigate and respond to this dispute within 30 days of receipt of this notice. If these issues are not resolved within the mandated time frame, I will proceed with filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

Please confirm in writing the outcome of your investigation and provide an updated copy of my credit report reflecting the corrections made. 

If you require any additional information to process this request, feel free to contact me directly. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief