vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Robinhood regarding the handling of my account. My account, which held approximately {$6000.00}, was initially restricted by Robinhood with a request for additional documentation. I promptly submitted the required documents, and on XX/XX/XXXX, they reviewed my submission. However, instead of providing further clarification or reinstating my account, Robinhood proceeded inform to close my account without any explanation. 

Since that decision, I have been unable to access or withdraw my funds. Despite multiple phone calls and emails over the past three weeks, I have not received any satisfactory response or resolution to my concerns. This situation has caused me significant financial hardship and emotional distress. 

I respectfully request that the CFPB investigate this matter and assist in securing access to my funds. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires Multiple home addresses

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 2025-03-31 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires Multiple home addresses

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 2025-04-01 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: CA

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

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 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am rewriting as I got booted in middle of complaint. 
Have issues with Citibanks Home Depot card. Tried writing to them, calling numerous times and even went to a Citibank branch & Home Depot. The XXXX XXXX  branch manager called someone for me. I was on phone XXXX minutes. XXXX XXXX XXXX can verify. This was at least my XXXX call. All lasting over an hour nearly two hrs. Transferred between rude, aggressive men to XXXX  XXXX  calls all scratchy & unable to understand. 
Bought mower @ Home Depot. Given me wrong one. Returned for credit & repurchased correct XXXX XX/XX/XXXX. Called Citi asked for billing address as bill hadnt come. Sent {$110.00} ( part of {$220.00} total ). XXXX XXXX XXXX XXXXXXXX XXXX reported to me payment returned undeliverable. Then began receiving bills with $ XXXX late fees. They Agreed to take off one, but then added back next day. I kept sending payments until paid in full. But they kept sending me bills for late fees on late fees I didnt owe. 
When I wrote I got no reply, when I called they passed my call around until I was disconnected after nearly 2 hrs. 
I even sent {$10.00} to keep from getting more late fees. 
I even went on XXXX XXXX to Home Depot . They called for me & on phone in store XXXX hour. Told Id have to wait on hold XXXX mins more for supervisor. Refused on all calls to be passed to manager/supervisor. 
While at XXXX branch on call for XXXX minutes I was told to make {$130.00} pymt or get another {$40.00} fee. I gave him debit info and said I had to go to work. XXXX branch manager will verify. But I see the debit card was not debited and I was charged ANOTHER {$40.00}. 
Definite predatory lending. 

Oh they also wrote me that I was qualified for XXXX XXXX card. Then said no because of Home Depot card

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 monetary relief
Consumer complaint received 2025-03-31 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld System and XXXX XXXX are both violating the FCRA both are trying to collect on an alleged debt I do NOT have accounts with the companies. TRANSWORLD SYSTEMS INC. 15 USC 1692c ( c ) communication in connection with debt collection this code states if a consumer notifies a debt collector that the consumer refuses to pay an alleged debt, this debt does not belongs to me if so I would pay it. the debt collector must cease all communication the debt collector shall not communicate further with the consumer with respect to such debt. reporting to my consumer report is a form of communication which is fraud they're not the original creditor neither do they have a contract with my signature, or my consent to put this on my credit reports with XXXX, XXXX, or XXXX. this action was done without my consent, and The credit agencies are in violation as well I the consumer was NOT notified within 15 days of putting this on my credit reports a. I the consumer was suppose to be notified which is a violation to the Fair Credit Reporting Act ( FCRA ). I requested a validation of Debt was not issued anything stating or confirming I am responsible for the legitimacy of this alleged debt. the FCRA and the FDCPA Fair debt Collection practices act both allow for statutory damages of up to {$1000.00} for violations. this means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

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 2025-03-31 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:
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 2025-03-31 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: TX

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

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 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Dear CFPB I`m to formally file a complaint against Westlake financial services for failing to issue form 1099-C after reporting a CHARGE-OFF on my personal credit report. 

On XXXX XXXX, Westlake financial services reported a Charge- Off on my credit history related to an account under my name. According to the Internal Revenue Service ( IRS ) regulations, when a financial entity cancels a debt of {$600.00} o more, it is obligated to issue form 1099-C to the debtor, informing them of the canceled debt amount, To date, I have not received this form from Westlake financial services .

I have attempted to contact Westlake financial services to resolve this matter but have not received a satisfactory response. I am attaching copies of my credit report reflecting the Charge- Off and any relevant correspondence with Westlake financial services .

I request that the CFPB Investigate this situation and take the necessary measures to ensure that Westlake financial services fulfills its legal obligations and issues the corresponding form 1099-C. 

I appreciate your attention and prompt response to this matter. 

sincerely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX and XXXX, I tried to resolve an issue concerning my Experian credit report being blocked from a third party. I am trying to buy a car. The dealer told me they used Experian. 
I went to Experian 's website and tried to login to unlock the credit report. First of all, I don't know how it got locked to begin with. They asked for my username and password, which I didn't have. They emailed me my username. I entered it and clicked on " Forgot password. '' They supposedly reset it. I typed in a new password and it took me to the login page. When I entered the username and password, it would not let me in. I tried it a couple more times and it didn't work. 
I called their number ( XXXX ) XXXX that is advertised as allowing a person to " talk to a live person. '' The computer generated voice said there were special circumstances that needed to be met to talk to a live person, but would not tell me what they were. 
So, I am locked out of their system, and unable to talk to anyone to resolve the issue. I wasted many hours on both the phone and computer without any resolution.

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 2025-04-01 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors in my credit report. I have attached the dispute letters that I have sent to all three bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
# XXXX was public record of a chapter XXXX that I didn't initiate fully I never paid to continue from the start when I got in touch with the ga state clerk they verified to me they informed no credit bureau of my public record cause they case was never started when I called XXXX they confirmed they sold my public record to TransUnion XXXX and XXXX and they took it upon them selves to add it to my credit report with out verification There in direct violation of XXXXI and I need that violation removed immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
# XXXX was public record of a chapter XXXX that I didn't initiate fully I never paid to continue from the start when I got in touch with the ga state clerk they verified to me they informed no credit bureau of my public record cause they case was never started when I called XXXX they confirmed they sold my public record to TransUnion XXXX and XXXX and they took it upon them selves to add it to my credit report with out verification There in direct violation of XXXXI and I need that violation removed immediately please

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 2025-04-01 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: CT

Complaint narrative:
I previously disputed XXXX account with Trans Union, Experian and Equifax regarding incorrect dates being reported. Account number XXXX. Each bureaus noted that the dispute is resolved. I still disagree and their still reporting inconsistent and incorrect information.

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 2025-04-01 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: CT

Complaint narrative:
I previously disputed XXXX account with Trans Union, Experian and Equifax regarding incorrect dates being reported. Account number XXXX. Each bureaus noted that the dispute is resolved. I still disagree and their still reporting inconsistent and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I called First Access Card which is serviced by XXXX and Issued by XXXX XXXX XXXX XXXX and attempted to request the closure of my account as I had noticed their fee structure to be extremely aggressive and although it may be considered legal, it is at a bare minimum predatory for consumers who while we may have poor lending history we are not unhuman and we still need to be able to somehow pay these debts back. At this point I was requesting them to close the account and explain to them I understood that I was very much still liable for this account and required to continue to pay for it until it's completion. The representative then advised me that he was unable to submit a request for closure until the full balance has been paid off. I advised him that the call had been fully recorded and then I was now aware of his information being in the correct and it was fully available to me and he said one moment please and put me on hold it became apparent that this was simply a tactic that they were employing to try and prevent my closure. this is absolutely illegal and I think that the cfpb needs to be made aware in this information should be acted upon in some manner. I have attached a copy of my XXXX statement which is the most recent that I own currently for this account so that the company can have it for review and my requested resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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: MD

Complaint narrative:
while I was reviewing my credit report I came across some unauthorized inquiries. Please remove immediately

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Keep getting phone calls with a company called spring oaks cap. They do leave a message just hang up. Calls every day.just want this resolved. Is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 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 non-monetary relief