vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have been with Robinhood since XXXX, and I currently made some transactions to invest into stocks. I wasn't aware that my bank had a {$2000.00} limit until they informed me, so at the time I tried to deposit {$2000.00} at least six times on XX/XX/XXXX, until I was notified that I couldn't. The app still at this time was allowing me to make investment trades, etc. Then on XX/XX/XXXX I tried withdrawing most of my funds back into my account and it failed. I was then notified by Robinhood that there was unusual activity on my account and some additional information need verification and further review. I submitted all documents that was requested and have been very cooperative. I am now being told today on XX/XX/XXXX that " if eligible my funds will remain back in my account within 15 days or longer possibly. '' This puts me at the verge of being homeless because I have to pay my rent including other bills. There was no issue until I tried to withdraw my funds. I have also been going back and forth and being told different things from customer support. They also informed me that they will be closing my account, which means that I will not be able to contact them. They don't have a direct number to call ; you can only contact and request a call back through the Robinhood app. I am very upset and frustrated with how they have handled this entire process, and I need a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Information was inaccurate the reversal dates of transactions were incorrect- ACH payments can not be reversed and were not reversed by the bank ( XXXX XXXX ). The information provided by the company was incorrect. Santander Consumer USA still reports inaccurate information to XXXX regarding my account. Information provided for previous dispute is inconsistent to the documentation provided online. Documentation has been falsified to support their claim, I still have original records and documentation of all transactions to support claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
redence Resource Management is reporting a collection account on my credit report that I do not recognize and dispute as invalid. I did not receive prior notice of this debt before it appeared on my credit report, nor did they provide proper validation upon my request. 
Since then, I have been receiving numerous phone calls starting before XXXXXXXX XXXX and sometimes continuing until after XXXXXXXX XXXX. Many of these calls are pre-recorded messages or voicemails, and they leave multiple voicemails per day. The calls come from many different phone numbers, often using area codes and numbers located near or within my city, presumably to increase the chances I will answer. This tactic makes it very difficult to document and track their calls. 
Additionally, representatives from Credence Resource Management have used harsh tones and threatening language, including threats to sue me, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt XXXX are prohibited from using threats of legal action they do not intend to take or abusive, harassing, or threatening conduct. 
I also understand that when a debt buyer purchases debt from another company, they must provide proper validation and a complete chain of assignment proving they legally own the debt and have the right to collect it. Credence Resource Management has failed to provide this documentation, which means they can not legally force me to pay this debt. Reporting unverified debts also violates the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and complete. 
I am disputing the validity of the debt and request that Credence Resource Management cease all calls and collection activities until they provide full documentation validating the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am copying and pasting this from my credit report MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX XXXX  XXXX. 
{$1400.00} Account info Account name MIDLAND CREDIT MANAGEM Account number XXXX Original creditor XXXX XXXX XXXX XXXX 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Monthly payment - Past due amount {$1400.00} Terms 1 Month Responsibility Individual Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Deletion of Unverifiable Account To Whom It May Concern : I am writing to formally request the removal of an unverifiable and previously disputed account from my credit file maintained by your agency. The account in question is a charge-off reported by XXXX XXXX XXXX XXXX in the amount of {$9600.00}. 

This account was previously reported to my XXXX credit report. Following a formal dispute, XXXX completed its investigation on XX/XX/year>, and subsequently deleted the account from my file. According to the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency is unable to verify the accuracy of a disputed item, that item must be deleted from the consumers credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

The fact that XXXX has deleted this account is strong evidence that the account can not be verified and thus should not be reported by any other consumer reporting agency. Continuing to report information that has been found to be unverifiable or inaccurate by one agency violates the FCRA and constitutes an unfair and negligent reporting practice. 

I am formally demanding the immediate removal of this unverifiable XXXX XXXX XXXX XXXX account from my credit file. This demand is being made pursuant to : - FCRA 611 ( 15 U.S.C. 1681i ) : Reinforces your obligation to investigate and remove disputed information if it can not be verified.

- FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires reasonable procedures to assure maximum possible accuracy of consumer report information.

- FCRA 623 ( a ) ( 5 ) : Prevents furnishing data that is known to be inaccurate or unverifiable. 

You are required by law to complete your reinvestigation within 30 days of the receipt of this dispute. Failure to remove this unverifiable item within that timeframe will place you in violation of the FCRA, which may entitle me to seek damages, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), and pursue civil legal remedies under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ), which allow for recovery of actual, statutory, and punitive damages, along with attorneys fees. 

Please update my credit report accordingly and provide written confirmation of the deletion. Additionally, I request a free updated copy of my credit report reflecting this change, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). 

Sincerely, 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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I used XXXXXXXX XXXX to advertise a computer I was selling for {$800.00}, A buyer contacted me and we agreed he would send me {$900.00} ( to include shipping ) via paypal. 
I received the payment, packed up and shipped the PC to the address he specified in our conversation on XXXXXXXX XXXX 
On the day he was to receive the computer, he contacted me wanting to change the destination address, I told him it was already out for delivery and there was nothing I could do. The package was delivered and signed for according to XXXX. 
The buyer filed a dispute with paypal, saying he never received it, and they put the funds 'on hold '. 
I gave paypal the tracking number from XXXX, and screenshots of the completed delivery receipt showing that it was, in fact delivered. 
paypal for some reason found in the buyers favor and refunded his money. 
Now the buyer has both the money and my computer! I tried to escalate the issue with paypal but they are nearly impossible to communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Aidvantage, the current servicer of my federal student loan. 

This loan has been transferred several times between servicers and was previously in long-term deferment. I was never informed that the account was transitioning into active repayment, nor did I receive a billing statement, notice of due dates, or payment options.

Despite this, Aidvantage has reported my account as 30/60/90 days delinquent to the credit bureaus. This false reporting has caused serious harm to my credit profile. I only discovered this through a credit monitoring service. 

This violates the Fair Credit Reporting Act ( FCRA ) because the reported information is inaccurate, unverifiable, and damaging. I request that the CFPB investigate Aidvantages reporting practices and demand that this negative entry be removed from my credit file immediately. 

I would also like a complete history of this accounts status, a copy of any repayment notices allegedly sent, and assurance that accurate information is reported going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
Demand for Removal of Inaccurate and Unauthorized Bankruptcy Reporting Dear LexisNexis Consumer Center, I am formally disputing the bankruptcy record that you have included in your reports dismissed under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ). You are reporting unverified and unauthorized information about me without my consent, which constitutes a clear violation of my rights under federal law. Violations Committed by LexisNexis 1. Unauthorized Use of My Consumer Information 15 U.S.C. 1681b Under the FCRA, a consumer reporting agency may only furnish a consumer report under specific permissible purposes outlined in the law. I have never provided authorization for you to access or report my bankruptcy records. 2. Failure to Maintain Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) The FCRA requires consumer reporting agencies to maintain the maximum possible accuracy of consumer information. You have reported unverified, outdated, and incomplete information regarding a bankruptcy filing, which violates this provision. 3. Violation of Privacy Protections Under Rule 9037 Federal law strictly limits public access to certain court records under Rule 9037 of the Federal Rules of Bankruptcy Procedure. Your reporting of my bankruptcy fails to meet the privacy protection standards set forth by the court, making your actions unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Re : Demand for Documentation Regarding Unauthorized Credit Inquiries and Inaccurate Account Reporting Consumer : XXXX XXXX Date : XX/XX/year> To Whom It May Concern, This letter serves as a formal and final demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 623, as well as applicable state consumer protection laws. The entities listed below have accessed or furnished information to one or more credit reporting agencies concerning me without my informed authorization or based on potentially inaccurate or unverifiable data. 


You are hereby instructed to provide the following within 15 business days : 1. A copy of the signed credit application or authorization to access or report my credit.

2. Verification that any credit pull or report entry was conducted with a permissible purpose. 
XXXX. Copies of all documentation or information furnished to any consumer reporting agency related to me.

Failure to respond, or failure to provide proof of authorization, will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of XXXX. I also reserve the right to pursue damages under the FCRA and related laws. 

Please direct all responses to the address listed below. 

List of Entities This Letter Applies To : - XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: NM

Complaint narrative:
( Cease and desist ) I am submitting this formal complaint pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding a debt currently being pursued and/or reported by a third-party collection agency. I request the Bureaus assistance in ensuring that the collector complies with their legal obligations and provides full debt validation. Debt Collector/Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Arizona XXXX XXXX Alleged : { {$1600.00} } Credit Bureaus Reporting ( if applicable ) : XXXX XXXX XXXX I disputed this debt in writing and requested validation under 15 U.S.C. 1692g ( b ). To date, the collector has failed to provide documentation establishing : That I am legally obligated to pay this debt That the amount is accurate and itemized That they have the legal authority to collect the debt That there is a clear chain of assignment from the original creditor XXXX XXXX statements or spreadsheets are not legally sufficient. These do not satisfy the FDCPA or case law precedent ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX respectfully request : That the collector be required to provide legal validation ; That all collection or reporting activities cease pending verification ; That, if validation can not be provided, the item be removed from all credit reports under the FCRA, 15 U.S.C. 1681s-2 ( b ) as well as medical debt not allowed to be reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
To Whom It May Concern, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of late payments on my account XXXX XXXXXXXX. These late payment entries are incorrect, and I have reason to believe they have not been properly verified or substantiated as required by federal law. 

I have already submitted disputes regarding this matter directly with the major credit bureaus as well as with the furnisher ( creditor ). However, the disputed late payments remain on my credit report without sufficient documentation or validation. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) : Furnishers of information are required to report only accurate information.

15 U.S. Code 1681i : Upon receiving a dispute, credit reporting agencies are required to conduct a reasonable investigation within 30 days.

To date, neither the creditor nor the credit bureaus have provided any supporting evidence, such as account records or payment history, to justify the continued reporting of these late payments. This failure to properly investigate and verify the accuracy of the negative information is a clear violation of my rights under the FCRA.

I am requesting the following actions : 1. Immediate deletion or correction of the inaccurate late payment entries from my credit report ; 2. Written confirmation of the results of the investigation and any documentation used to support the creditors reporting ; 3. Compliance with all applicable provisions of the FCRA in a timely manner.

Please treat this matter with urgency, as the inaccurate reporting is negatively affecting my creditworthiness and financial standing.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
We paid the auto loan to Kia Finance off completely in XXXX they claim it was a charge off. We have a letter from them " Paid in Full ''. We have disputed the charge off from our credit report and they sent us a response that the charge off " IIs accurate as reported ''. They have to remove this from our credit report it is preventing us from buying another new car.

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 2025-05-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
I am writing to formally request the immediate removal of fraudulent information from my credit file. I have recently become a victim of identity theft, and my credit report now reflects multiple unauthorized accounts and inquiries that I did not initiate or approve. These items are inaccurate and do not belong to me.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove all unauthorized accounts and inquiries associated with this identity theft from my credit report.

Enclosed with this letter are the following supporting documents : A detailed list of the disputed accounts and inquiries A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) Please investigate these matters promptly and take all necessary steps to remove the fraudulent items from my credit file. I also request written confirmation once these corrections have been completed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation