vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Dear Regulatory Agency/Agencies I am filing a formal complaint against Robinhood regarding the unjust closure of my account and the restriction of my funds. 

Despite complying with all requested verification proceduresincluding submitting my Social Security number, drivers license, passport, facial scan, and bank statementsRobinhood has informed me that my account is being closed. My account currently holds {$4100.00}, and I have been unable to withdraw my funds due to the restriction. 

For the past week since XX/XX/year>, I have repeatedly contacted Robinhoods support team, only to receive automated responses with no real human assistance. I was initially transferring these funds to Robinhood to wire them for a home closing, but now my money is inaccessible, and Robinhood is shutting down my account without a clear reason on XX/XX/year>. 

Through my research, I have found that this appears to be a recurring issue with XXXXobinhood, where users have their accounts restricted or closed without explanation, leaving their funds inaccessible. I have fulfilled every request they have made, yet I am still unable to access my money. 

I am requesting immediate intervention to ensure that Robinhood releases my funds and provides a transparent resolution. I appreciate your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has repeatedly and deliberately failed to honor its own rewards offers, misled me about the nature of those offers, and used deceptive practices to substitute promised miles with lesser cash credits. I believe these actions violate CFPB protections around fair marketing, transparency, and honoring consumer agreements. 

I have had three separate incidents where Capital One failed to issue the miles rewards I earneddespite meeting all stated termsand instead tried to push me into accepting a lower-value credit. The most serious incident involved a referral bonus of XXXX miles for referring my father to apply for a Capital One card. He was approved, and after 8 weeks I was told the miles would post. When I followed up : The first agent denied any record of the referral until I gave them the datethen they suddenly found it. 
They told me they could only offer me a {$250.00} credit, not miles. 
A supervisor falsely claimed the offer was for a cash credit, not milesuntil I showed them Capital Ones own website stating otherwise. 
Then, the story changed again : I was told I didnt meet the offer requirements, which is untrue. I helped my elderly father through the process and know all requirements were met. 
Finally, I was told there was no further escalation pathwhich I later found out wasnt true either. I requested to be connected with the rewards department and was told the system wouldnt let them. 

This bait-and-switch tactic has happened to me three times, totaling XXXX miles that I was owed. Instead, Capital One has offered me only {$280.00} in credits. I believe this is a deliberate pattern : They promise miles. 
Then delay or deny. 
Then offer a lower-value credit. 
They misinform customers about the terms, or change the reasoning multiple times. 
They block escalations and stonewall legitimate claims. 

This is deceptive marketing and appears designed to reduce fulfillment costs by pressuring consumers into taking inferior rewards. It violates the principles of truthful advertising, honoring reward agreements, and fair treatment under CFPB regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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: DC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
There was a fraudulent Zelle transaction on my bank account of {$5100.00} on XX/XX/year>. I reported it to XXXX XXXX, who denied the fraud claim. I need the refund or information about who the money was transferred to so I can prosecute them. I do not know the receiver of this Zelle transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have sent this company multiple certified letters explaining that I did not make the debt they are stating that I owe due to identity theft. I have asked them to provide me with any evidence bearing my signature showing that I have a legally binding contractual obligation to pay them the alleged amount and have not been provided with such information. In this time frame they sent my accounts to a debt collection agency and after I sent the collection agency a certified letter stating what I am now letting you know they deleted it from their records and sent it back to this original debtor. This is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute as verification. I am asking that these accounts be deleted and removed from my credit reports immediately. Here are the dates, article number, and tracking number of my certified letters they received. Thank you. 

Certified letter XX/XX/XXXX Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Certified letter XX/XX/XXXX Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-28 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: SC

Complaint narrative:
I received a copy of my credit report and the following Hard Inquires, Collections, and Charged Off have been sent to all three credit report in companies for Disputes. However, there have not been any resolutions due to stating the account was verified. These inaccurate collections and charge off accounts are as followed : XXXX XXXX {$320.00} Charged off, XXXX  XXXX XX/XX/XXXX, {$770.00} Charged off, XXXX XXXX {$530.00} Collections, XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX, {$2600.00}, Charged off, XXXX XXXX ( XXXX ) {$97.00}, charged off, XXXX XXXX XX/XX/XXXX, Collections, XXXX XXXX, {$1000.00}, personal loan, Charged off, XXXX XXXX, {$520.00}, Credit Card, XXXX XXXX {$700.00} ( XXXX  XXXX originator ), XXXX XXXX XXXXXX/XX/XXXX, {$1600.00}, XXXX XXXX, Collection, XXXXXXXX XXXX XXXX XXXX {$680.00}, collection, SC XXXX XXXX XXXX {$1000.00} Charged off XX/XX/XXXX, {$310.00}, and XXXX XX/XX/XXXX, {$6800.00}. 
The Inaccurate Hard Inquiries are as followed : XXXX XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
By the Fair Credit Report Act, I demand these items be investigate and removed from my credit report. Please remove any item that the creditor can not verity and send correction notices if applicable. 
Signed : 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 2025-03-28 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: TX

Complaint narrative:
I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Company or Organization : DEPT OF ED XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1100.00} Company or Organization : DEPT OF ED XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$3100.00} Company or Organization : DEPT OF ED XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2100.00}

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 2025-03-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. The account in question, listed under the name of CREDIT ACP with account number XXXX is not mine and has been mistakenly associated with my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail letter if further information is needed. 

Sincerely, 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 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On or around XXXX XXXX, I attempted to apply for an installment loan on the Zip app. I provided all my personal identifying information to process my application; however, I came across a page stating thar my credit report was frozen and that a member of the Customer Experience team will reach out to me shortly with REFERENCE CODE : XXXX. I then proceeded to unlock and unfreeze my credit report and attempted to call the Customer Service line specified on the page which is XXXX but I was not able to get a hold of anybody since all I heard was a robotic voice recording playing over and over .Also, the Customer Service Team did not reach out to me via phone or e-mail at XXXX which is the e-mail I used to process my application along with a zip code of XXXX. On or around XXXX XXXX, I called the other customer support line for Zip at ( XXXX ) XXXX to follow up on my application and I was able to finally speak to rep XXXX XXXX who was unable to resolve my issue despite sending a screenshot of the Zip app page I came across and unfreezing/ unlocking my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Thaxton Investment Corporation
State: WI

Complaint narrative:
Company Reporting information that I have never done buisness with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had earlier filed a complaint with CFPB Previous Complaint ID XXXX That has been closed without providing a copy of the transcript of the call conversation with the Bank of America Customer Service on XX/XX/year> and XX/XX/year>. 

I would like a copy of the calls notes since it clearly shows that BOA is not honoring its commitments. My original complaint needs to be properly investigated.

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 2025-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
XXXX XXXX has misrepresented themselves over charging XXXX for a XXXX XXXX  course not only was the classroom just listening to music every day with no teaching, the school kept taking out student loans, without my consent. I finished the XXXX  now they are charging me an additional XXXX this is absolutely ridiculous and damaging to my education. XXXX misrepresented themselves by making false promises and misleading practices, please help me figure what to do, also the teachers did not teach I had to learn what I didnt know through the book, they basically had me pay XXXX for XXXX books and a laptop. Please contact me back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} LVNV FUNDING-XXXX  XXXX XXXX XXXX  XX/XX/XXXX {$920.00} I'VE CALLED THE ONES I COULD AND INFORMATION ABOUT THE DISPUTE PROCESS IS SUPPOSE TO BE ONE THE WAY TO ME. I ALSO WENT AND GOT POLICE REPORTS SAYING THAT I WAS A VICTIM OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Disagreement Regarding Dispute Outcome for Account Number XXXX Dear XXXX, I am writing to formally dispute the results of the recent processing of my dispute related to the account listed below : Account Name : RESURGENT/LVNV FUNDING Account Number : XXXX Date of Dispute : XX/XX/year> Upon review of the findings, I notice that the information regarding the above account remains unchanged, despite my dispute. I respectfully request that XXXX investigate this matter further and provide a detailed explanation as to why this item was not updated or resolved following the dispute. 

The debt in question, as listed under RESURGENT/LVNV FUNDING, is still marked as an outstanding liability. I am requesting that XXXX provide evidence to substantiate the accuracy of this debt, including the following : Proof of the original debt and any modifications made to it. 

Documentation from RESURGENT/LVNV FUNDING that confirms the current status of the account. 

Any communications or records that validate the legitimacy and amount of the debt under dispute. 

As part of my rights under the Fair Credit Reporting Act ( FCRA ), I kindly request that XXXX re-examine this dispute, review the evidence Ive provided, and update my credit report if there is any inaccuracy or discrepancy. 

Please respond to this letter within the legally required period, and I expect to receive an update or resolution to this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-29 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-29 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief