vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this formal complaint against Robinhood Financial LLC for obstructing my attempt to transfer assets from my XXXX XXXX  account ( Account Number : XXXX ) to XXXX XXXX. 

Robinhood unilaterally decided to close my account. However, when I attempted to transfer my XXXX XXXX  to another qualified financial institution, they refused to cooperate with the standard ACATS transfer initiated by XXXX. Instead, Robinhood imposed unclear and arbitrary restrictions that are not communicated transparently or in accordance with fair financial practices. 

Additionally, Robinhood has made it extremely difficult to reach human support. Their apps chat function does not provide any meaningful assistance, and instead attempts to route me into depositing additional funds, which is entirely unrelated to my case. I have also attempted to reach them via email multiple times, but the replies are always automated and unhelpful, with no follow-up or escalation path provided.

This behavior appears to constitute an intentional obstruction of my right to access and transfer my retirement savings. It raises serious concerns about Robinhoods treatment of its customers and may represent a breach of consumer protection standards and retirement account handling obligations. 
I am requesting CFPBs assistance in investigating this matter and ensuring Robinhood fulfills its duty to allow the timely and fair transfer of my XXXX XXXX  account to XXXX. I am willing to provide additional documentation, including : Transfer request confirmations from XXXX Screenshots of the Robinhood app and email correspondence Proof of account closure notice, if required Please help ensure that Robinhood is held accountable for what I believe to be an unacceptable and harmful financial practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America and XXXX XXXX accounts in XXXX Connecticut continually run claims from single sign on and transaction have been closed out properly with continue access from non associated family members and associates that do not stay in touch with repeatedly. Sent routing numbers and bank transaction for review companies not responded on no further contact from anyone involved. 
routing ( deposit ) XXXX XXXX ach ( checks ) XXXX I have to search for the XXXX XXXX one browser wont populate the number presently.

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 2025-07-24 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: TX

Complaint narrative:
I recently discovered hard inquiries on my credit file that I did not authorize or initiate. These inquiries were made without my approval and I believe they are either fraudulent or inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
On XX/XX/year>, I made a XXXX XXXX XXXX transfer from my XXXX  account ( in the name of my mother, XXXX XXXX ) to my XXXX  account. On XX/XX/year>, XXXX  sent me an email stating the deposit would be refunded because the senders name did not match the XXXX  account holder ( me, XXXX XXXX ). They assured me that the funds would be returned to the originating bank account within 210 business days. 

Despite this promise, the refund never arrived. 

I contacted XXXX, who attempted a XXXX recall, but XXXX  rejected it. I contacted XXXX  support several times, but only received generic responses saying they were still investigating with no resolution. I also opened a case with the XXXX XXXX XXXX and the XXXX XXXX Department of Financial Services. XXXX replied that the case falls outside of their jurisdiction and referred me to the CFPB. 

Additionally, when I logged into XXXX, I discovered that my account had been blocked with no explanation. I am unable to make deposits or withdrawals, and customer service is unresponsive. 

I believe XXXX  has failed to deliver the refund they promised and has not provided adequate support or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I have reviewed my credit report and found a late payment listed in error. I have maintained a reliable payment schedule and have no record of any late payments.

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 2025-07-24 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: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 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: TX

Complaint narrative:
Please correct this late payment entry, as Ive always paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Please delete these accounts, opened fraudulently and without my knowledge, from my credit file under USC 1681g.

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 2025-07-24 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am asking for you to request a copy of the 1099C of this negative account that is still affecting my credit score and the account has been changed off several times so they collected credit from the irs and they still have it as negative on my credit and that is not ok or correct this is the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: TX

Complaint narrative:
An address listed on my credit report is completely unfamiliar to me. I have never lived at this location nor authorized its connection to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
This entry seems inaccurate ; I kindly request its removal based on my payment record.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent inquiries on mycreditreport. 
XXXX XXXX XXXX XXXX XXXX  XX/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 2025-07-24 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: WA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Fraudulent Company Information : First Federal Credit Control , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX Wednesday XX/XX/year> at XXXX. 

This company emailed false medical bills with fraudulent dates of service when I wasn't even seen, demanding close to {$4000.00} and have submitted the false claims negatively impacting my credit along with many others. 

They claim to be billing for : XXXX XXXX XXXX XXXX XXXX 
I had requested detailed statements with dates and full breakdowns from them but they sent me an email that itself looks like fraud. This has happened alot since becoming XXXX the medical companies are starting to preying on everyone here just like street criminals with the frauding. They have also tried sending me bills from over 4 years ago for dates of service that I was never seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Im requesting this account be removed from All XXXX  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
My employer ( federal agency ) made a payment on my behalf to my loans serviced by Mohela. This payment was for {$3600.00} and had an effective date ( meaning it was paid out by my employing agency ) of XX/XX/year>2024. This payment would cover the whole remaining balance on my loans. 

I have been calling Mohela and entering tickets since XX/XX/year>2024 when it became clear that my payment wasn't getting processed when my other colleagues payments were. Every time I call the advanced agents say something else is wrong with my previous ticket and they need to submit a new one. The processing time for each ticket is 30-90 days and these tickets have been " expedited '' and " upgraded to tier 3 ''. Recently, an agent told me that it got lost when Mohela switched servicing platforms over summer 2024 and needed to be tracked down by accounting. Now I am being told that they can't give me an estimated processing time for my " expedited tier 3 '' ticket tracking the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I am not accountable for these accounts, which were opened without my permission, and I request their deletion per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This is fraud Lvnv LLC do not have the right to report this on my credit report with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: DISCOVER BANK
State: NC

Complaint narrative:
I am filing a complaint because Discover refused to support my valid dispute with XXXX XXXX, a merchant who sold me defective materials and then refused to resolve the issue. 
I purchased a large quantity of flooring using my Discover card XX/XX/year> for {$6500.00} ( included is {$240.00} delivery ) and was not delivered until the second week of XX/XX/year>. Because it was a large construction project, the product was not immediately installed. When installation began XX/XX/year> ( outside the XXXX return window ), we opened the boxes and discovered significant damage and what appeared to be manufacturing defects. I contacted the merchant at that point and requested help, but they blamed me for the damage, refused to inspect any boxes in my possession, only offered to quality control and unopened box from the same lot number and manufacturing date from their warehouse if available and stopped communicating after I filed a dispute with Discover on XX/XX/year> asking if they could assist with this problem and they desired to open the dispute. 

Discover denied my dispute, claiming this was a warranty issue and the merchant showed I had 30 days to return or exchange the product and I could use damaged goods for waste. However, I am not seeking a repair I am reporting that I received defective goods that could not be used as sold. This is covered under the Fair Credit Billing Act as merchandise not as described or delivered in unacceptable condition, regardless of the stores XXXX policy. 

Discover had the discretion to support me in this situation, and I believe they failed to properly protect me as a cardholder. I am requesting that this case be reconsidered and reviewed based on the facts of defective merchandise and the merchant 's failure to resolve the issue. Discover further advised it was out of their hands and I could escalate my case with other outside resources. 

I would also like to note, I followed lumber liquidators policy, reached out to store of purchase, sent pictures, the store would escalate the case and customer service would then reach out. I also followed all of discovers requests and even sent a follow up email to cabinets to go ( they sent me a generic charge back email that was blank ) trying to allow for product return efforts. 

I will attach pictures of product and emails from lumber liquidators below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently opened a business checking account with Chase for my construction company. Shortly after depositing checks into the account, Chase restricted access to my funds without allowing me to withdraw anything, even though the checks were held for XXXX business days and had already cleared. 

I was later told that Chase could not verify my ownership of the business based on the state records. However, my business records had recently been updated and reflected a name change, which caused the discrepancy. Once I became aware of this, I immediately corrected the information on the Florida Division of Corporations ( XXXX ) website to reflect my ownership and downloaded the official documents. 

Despite fixing the issue and offering to provide the updated state records to confirm my ownership, Chase still decided to close my account and refused to give me a clear explanation. They stated that they are also withholding the funds until they verify the source with the makers of the checks, even though the funds have already cleared. 

I have not made a single withdrawal from the account, and there have been no fraudulent or suspicious activities. I rely on this account for business operations and to pay workers, and I am currently being denied access to my funds with no definitive timeframe or solution offered. 

I am requesting immediate release of the funds and a formal explanation for the account closure, especially since the ownership verification issue was resolved.

Company response to consumer: Closed with explanation