vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the improper handling of my credit file and request immediate action regarding the violations that have occurred. I submitted a dispute to your agency concerning inaccurate or unverifiable information on my credit report on XX/XX/year>, which falls under the timeframe for the XXXX vs TransUnion lawsuit. Instead of conducting a thorough investigation or removing the disputed accounts as required by the Fair Credit Reporting Act ( FCRA ), I was issued a 502 letteran action that has now been challenged in a lawsuit against XXXX for failure to comply with proper dispute procedures. I understand this dispute is for Experian, however the same unfair treatment happened the same as with XXXX 

By issuing a 502 letter and refusing to investigate or delete the disputed items, XXXX  failed to meet its legal obligations under 15 U.S.C. 1681i, which mandates that a credit reporting agency must conduct a reasonable investigation when a consumer disputes information in their credit file. Furthermore, your actions have directly harmed me by continuing to report negative information without due process. The following items should be removed from my credit report : 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
I have already submitted this complaint once before but it has not been solved even though they marked it as closed. My problem is with Robinhood. I have been a month now trying to withdraw over {$3000.00} out of Robinhood. I have proven that the account is mine and yet they still make me jump through hoops and will not allow me to withdraw my money. At this time. This is causing a major hardship for my family. I had a loss of income and now this is the only money that we have on XXXX and I have no access to it. They have said that they were restricting my account due to suspicious activity. I proved at least XXXX of the accounts was mine. The other account they said was a scan so they couldn't accept it. However, until your organization got involved I did not know that that was the issue. They are not forthcoming with any details until pressure is put on them. Now I have connected a XXXX XXXX account. I submitted a statement. It clearly states that it is my name on the account. They said that the account name does not match what they have for their records. That is false now. I am not allowed to attach that bank account. It says they do not support that bank account even though they have a partnership with them. I feel it this time they will not allow me to enter any bank accounts that I can get my money out. They are only telling you what you want to hear but this is not helping me. They have my money and I need it badly!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
After fighting and keep showing evidence they continue to deny me and my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am a victim of identity theft. There are some credit cards, personal and a auto loan on my 3 credit reports. Ive never gave anyone permission or authorization to open these accounts. My life has changed drastically and im not able to provide for my famiy the correct way or even get the things i need

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am a victim of identity theft. There are some credit cards, personal and a auto loan on my 3 credit reports. Ive never gave anyone permission or authorization to open these accounts. My life has changed drastically and im not able to provide for my famiy the correct way or even get the things i need

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I am filing a formal complaint against Carrington Mortgage Services for multiple acts of mortgage fraud, misrepresentation, and deceptive servicing practices related to my property in XXXX XXXX XXXX 

Carrington is falsely representing themselves as the legal servicer of a mortgage they do not own and have never recorded with the county. They acquired the loan file after XXXX XXXX failed to legally perfect the lien or record the instrument against my deed. Despite this, Carrington accepted monthly mortgage payments from me for several months and never paid the escrowed homeowners insurance ( HOI ) or taxes. 

Carrington also attempted to refinance the property earlier this year, even though they had no legal right to do so. When I challenged their authority and requested documentation proving ownership or servicing rights, they immediately shut down the refinance portal and ceased communication. 

Most recently, Carrington issued a credit alert on XXXX XXXX systems without ever reporting a tradeline or account to any credit bureau. This appears to be a retaliatory move, as no mortgage account tied to XXXXarrington exists on my credit profile, and the account in question has never appeared on XXXX-based reports.

To this day, Carrington has never appeared as mortgagee on my XXXX policy, and never requested to be listeddespite collecting payments as if they were a legitimate lienholder. Their own statements only reflect payments received, and show no actual payment history when payments were not madesuggesting they are managing an incomplete or junk loan file. 

This is an egregious abuse of mortgage servicing protocols, and I am requesting the CFPB to investigate and take regulatory action against Carrington Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a prepaid giftcard for my wedding in XX/XX/XXXX, and I recently opened it and tried to use it in the past few months. It didn't work in store, and when I went online to try and verify the amount on the card, I was told the information I put in was incorrect. 

I then called the company ( prepaidgiftbalance.com, XXXX ) and was told that the card was used in XX/XX/XXXX, which is impossible because the card was still in the original packaging as of a few months ago. 

I was told to file a complaint through their website, but when you go on the website ( which doesn't even load half the time ), there is absolutely NOTHING there about filing a complaint, and there's no address listed to send the requested information to. 

After reading reviews online, it sounds like this company is a scam, which is very unfortunate since I was gifted this gift card as a wedding present. I would like to make sure no one else gets duped by this company- it seems like my money is lost, but hopefully no one else will fall for this scam.

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Mortgage account mismanagement. My credit report dropped XXXX points due to an issue with Freedom Mortgage. In late XXXX my account went into escrow analysis, but I was not notified. I called in despite the lack of notification and was told to hold off on a payment until the escrow analysis has been settled. I still went ahead and made the payment on the XXXX of XXXX despite the escrow analysis not being completed until XX/XX/XXXX I received a refund on the XXXX for overpayment for {$400.00}. On XX/XX/XXXX I called in and was told that I still have a balance due despite receive a refund the prior month for overpayment on my escrow. During this called my late fee was waived and also, I was told that I have until XX/XX/XXXX to make a final payment of {$3600.00} to settle the account. I paid {$3200.00} on the XXXX of XXXX and the remaining balance on the XXXX of XXXX to settle the account. Despite settling the account, I was notified on the XXXX that my credit score has gone down by XXXX points due to a missed payment. How is it possible that my credit score has cratered so much despite the fact that I have chased Freedom Mortgage to ensure that I am making timely payments on my mortgage? I would like this impact on my credit score to be reversed

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc.
State: NY

Complaint narrative:
A Validation Request and Cease & Desist letter was sent more than once to each company. The debt was sold and the company was paid. Continuously receiving calls and mail on a debt that I did not sign a contract or agreement binding me the obligation. The calls are aggressive and back to back. Almost everyday, including weekends ( Saturday and Sunday mornings ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CT

Complaint narrative:
I was checking my credit report, and it shows that apparently have a debt collector from XXXX XXXX, I checked on the XXXX  XXXX XXXX XXXX court and I don't have any cases regarding housing issues, property management didn't notify and mentioned anything regarding this matter and there was not balance due on the time that I left the premises.

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 2025-05-12 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: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for failing to release funds that were refunded by a merchant over 14 days ago. I have confirmation from the merchant that the refund was processed on [ insert refund date ], yet the funds have not been returned to my Cash App balance. 

I have contacted Cash App multiple times and provided documentation proving the refund was issued. Despite this, they have failed to resolve the matter or provide a legitimate reason for withholding my money. 

This is no longer a dispute with the merchant the issue lies solely with Cash Apps refusal or delay in making the refunded money available. This delay violates Cash Apps own service terms and possibly the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and CFPB regulations on unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I am requesting that Cash App : Immediately release the refunded funds Provide a clear written explanation for the delay Ensure compliance with federal consumer protection laws going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 thaXXXX 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 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 2025-05-12 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-12 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally complain about a significant loophole in peer-to-peer payment platforms, specifically XXXX, that allows funds to be sent to unintended recipients who then keep the money, leaving consumers like myself with no recourse or compensation. 
Despite reporting the error and providing ample evidence, Wells Fargo and XXXX refused to assist or recover my funds. This is part of a widespread issue : hundreds of thousands of consumers have lost over {$870.00} XXXX due to fraud and errors on XXXX, and most have been denied help or reimbursement, even when complaints were promptly filed. The banks and XXXX have failed to implement proper safeguards and have not provided the legally required investigations or refunds, as outlined in the Electronic Fund Transfer Act ( EFTA ). 
The CFPBs own lawsuit against XXXX and its partner banks highlights these failures, alleging that they did not protect consumers or provide redress for fraud and errors, and in many cases, left victims to fend for themselves. The banks were fully capable of reversing transactions but chose not to, prioritizing their interests over consumer protection. 
I am requesting that the CFPB ensure I am fully compensated for my loss, consistent with the relief sought in the lawsuit against XXXX and its partner banks. I also urge the CFPB to require XXXX and participating banks to implement robust error resolution and consumer reimbursement protocols to prevent others from suffering similar harm. 
Thank you for your attention to this urgent consumer protection issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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, XXXX 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 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I received a loan from OneMain Financial and made a total of XXXX on time payments. I received a pension from retirement and paid off some loans and was going to pay off one main, however when I requested a payoff they laughed and said they have been down this road before. I stopped payments and received a letter saying I owe them XXXX XXXX, the initial loan was only XXXX and I paid over XXXX already and how do I still owe more than I borrowed. They were unwilling to provide me with a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
Ive recently reviewed my credit report and noticed an account not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I demand this payment be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. I'm now requesting you investigate this account and update these payments to paid now time 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an account listed under XXXX XXXX XXXX XXXX on my credit report. This account is paid in full, the servicing company ( GLELSI ) is no longer in business, and it is past the seven-year limit allowed for negative information to remain on consumer credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the account as it appears on my credit report : - Creditor Name : XXXX XXXX of XXXX ] - Date of First Delinquency : XX/XX/XXXX - Status : Paid / Closed / Outdated I request that all information in relation to this outdated and inaccurate account be removed from my credit file. Please note that proof of payment can not be provided, as I no longer have access to documentation and the company is no longer operational. 
I respectfully ask that you conduct an investigation into this matter and update or remove the account as required by law. I appreciate your timely attention and request a written confirmation of the outcome of your investigation. 

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

Company response to consumer: Closed with explanation