vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have a " spending '' account and an investing account with Robinhood. I have used them on and off for the last 7 or 8 years for investing and about 1 year for spending.

I recently had 2 issues in my spending account that required disputes I will go into detail for both instances 1. I am traveling internationally and purchased and XXXX for an extended stay. The airbnb was not as described, had major safety concerns ( like a window that was broken and would not secure that leads into the master bedroom that has all my expensive belongs. the host rented 5 other rooms to strangers that i was unaware of and never mentioned to me ) after a lot of back and forth with the airbnb support, they agreed multiple times to refund me the amount. after reserving another accomodation, airbnb did not follow through with what was promised and i disputed the transaction. providing proof, photos and explaining the situation. the dispute is still active and being investigated. this took place roughly around XXXX XXXX 2025 2. I purchased practice accounts for futures investing. these practice accounts are tests, that once passed, grant you access to a real account to allow you to earn money from your investments. A co-owner has recently been exposed of manipulating the rules and circumstances to prevent people who have purchased these test accounts from passing and/or getting paid. i am a victim of this and i ATTEMPTED to dispute the transactions with this seller. 

it was afte ri attempted to disupute the most recent transactions ( # 2 ) that Robinhood put a restriction on my account. I can not access my investing account NOR my spending account. both which contain 99 % of my money. I am still traveling internationally and SEVERELY need access to my funds.

Initially, i was given an email response to the disputes of # 2 saying they cant dispute the claims if someone else had access to my account. which IS NOT THE CASE and i explained that initially AND as a reply from the email. My account had not yet been restricted when i received that email. 

After seeing the restriction i replied to the email again and tried contacting the Robinhood support MULTIPLE times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
A XXXX XXXX charge card was opened using my personal information on XX/XX/XXXX, according to my credit report. I only became aware of this upon applying for a loan for my family 's first house a month ago in XX/XX/XXXX and is now keeping me from securing the loan due to being derogatory ( balance of {$1200.00}, {$290.00} over the limit, according to Equifax and XXXX ). 

I attempted to retrieve information regarding the account from XXXX XXXX. Even though the account is under my name, social security number, and date of birth, XXXX XXXX is not willing to provide information to me because the home and email addresses do not match their records ( for obvious reasons because it's not my account, sort of proving my point but I digress ). XXXX XXXX then tells me to contact XXXX XXXX because they're the bank that handles their credit account, which I do. 

XXXX XXXX had issues locating the account because it was hidden away in an old system, they confirmed that it is indeed leveraging my information, and told me to open an investigation with them, which I did. The investigation determined that it is my account due to being opened with my personal information. XXXX XXXX then tells me that they can not access the account because it is being transitioned to their systems from XXXX XXXX and to dispute it with the credit bureaus, which I did. Due to the investigation that XXXX XXXX performed, the credit bureaus determine that it's my account, which has caused my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing the complaint because I have not been treated within the guidelines and all the credit agencies do is try to stall me out and make things difficult. I have been a victim of identity theft because of the equifax data breach and I need my situation advocated for

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made an atm deposit at atm in drive thru. I did not receive receipt, when I notified bank customer service they filed a claim this was on XX/XX/year>. They processed a provisional credit of the amount, but have not resolved the matter nor showed me proof with camera footage and transaction report of atm machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: MD

Complaint narrative:
Company Name : First Digital Credit Card Description of the Problem : Credit Bureau denying to remove so they are responding to them but not the CPFB and XXXX  is advertising this card hence why they denied the dispute as you'll see further down there advertisement. 
They are making mountains of money off of late fees being accrued by locking there card holders out of there accounts. I believe the credit bureaus are in on it too. 
I am filing this complaint against First Digital Credit Card for multiple violations, including fraudulent account handling, unfair credit reporting practices, and deceptive business conduct. 

Blocking Account Access & Unfair Fees First Digital blocked my online account access, preventing me from making payments. 
They sent me a replacement card with an incorrect expiration date, then admitted they issued the wrong card. 
Despite this error, they continue charging late fees and over-limit fees and refuse to correct them. 
False Credit Reporting First Digital is falsely reporting my account as " Pays as Agreed '' while still charging late fees and keeping it over the limit. 
This violates the Fair Credit Reporting Act ( FCRA ) by knowingly reporting inaccurate information. 
I demand immediate removal of this account from XXXX XXXX  and XXXX 
Emotional & Financial Harm I have spent over XXXX hours disputing this issue. 
This has caused severe emotional distress, frustration, and physical symptoms like anxiety and sleep loss due to the ongoing financial harm. 
Compensation Demanded I request a minimum of {$10000.00} in damages, including : {$95.00} sign up fee {$1000.00} per FCRA violation {$1000.00} FDCPA statutory damages ( if applicable ) {$1000.00} per UDAAP violation ( deceptive business practices ) {$100.00} per hour for XXXX hours spent disputing this issue ( $ XXXX ) $ XXXX for emotional and physical distress Additional compensation if further violations are uncovered. 
Required Resolution ( Within XXXX Business Days ) Immediate removal of this account from all credit bureaus. 
Full refund of all fees charged while I was unable to access my account. 
Delivery of ALL statements via email ( in XXXX single PDF, not mailed or separate ). 
Account must NOT be closed unless fully deleted from credit reports first. 
If First Digital fails to resolve this, I will escalate this to the FTC, State Attorney General, and legal action. 

I recorded the call in which they admitted their mistake and refused to help me. 
CFPB, please let me know if you need this recording to confirm these violations and support my claim for compensation. 
They demanded my bank account information over the phone, which is a high-risk and unacceptable request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, and Equifax. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX 
Addresses that I am also not associated with due to improper use of credit and fraud are listed as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-03-15 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equitax Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are Listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law.

If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed errors with Equifax credit. 
The accounts are XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX I requested a Investigation on these accounts. They Failed to give me the investigation results. 
I requested that these accounts showing Charged off with open balances be removed They are. Not following the laws of FCRA Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Account is up to date and not late credit report shows that I'm pass due and haven't made any payments score went down by XXXX points because of the situation the loans was from 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Account is up to date and not late credit report shows that I'm pass due and haven't made any payments score went down by XXXX points because of the situation the loans was from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Account is up to date and not late credit report shows that I'm pass due and haven't made any payments score went down by XXXX points because of the situation the loans was from 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 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BAY AREA CREDIT SERVICE XXXX, GA XXXX Subject : Dispute of Collection Account [ Account Number ] XXXX Dear BAY AREA CREDIT SERVICE, I am writing to dispute the validity of the collection account associated with Account Number XXXX on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely, 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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-03-15 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: SC

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 2025-03-15 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: MOHELA
State: MN

Complaint narrative:
I am writing to formally dispute my student loans and demand their immediate cancellation and discharge due to the unauthorized compromise of my personal and financial information. As you are aware, under the Family Educational Rights and Privacy Act ( FERPA ), my student recordsincluding personally identifiable financial informationare protected by federal law. Your failure to safeguard this information constitutes a serious violation of FERPA and your legal obligation to maintain the confidentiality and security of my records.

I did not authorize the disclosure or compromise of my personal and financial data, and this breach has resulted in significant harm. Given the severity of this violation and the direct impact on my financial security, I am invoking my rights under applicable laws and regulations to request that you : Immediately cancel and discharge all outstanding student loan debt associated with my account.

Provide a written confirmation of the loan discharge within five ( 5 ) business days from the date of this letter.

Conduct an internal investigation into this breach and provide me with a report on how my information was compromised.

Failure to comply with this request will leave me no choice but to escalate this matter to the U.S. Department of Education, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant oversight agencies for further legal action. 

I expect a prompt and written response within the next five ( 5 ) business days. If you require any additional information to process this request, please contact me immediately. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
Section 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports. Reporting each when the account is charged off. You are inaccurately reporting information on my credit report. ACCT NAME : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. You have 15 days to removed it or you will be sued. 

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 1692c ( c ) ACCT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This account has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) require the consumer reporting to show proof. I demand you to show proof of the original contract signed. ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX According to 18 U.S.C. 1028A This statute is about aggravated identity theft. It states that anyone who knowingly uses, possesses, or transfers another person 's identification without authorization can be sentenced to a minimum of 24 months in prison. You have been provided an identity theft report for ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX. You refuse to remove the account. You are being sued by CFPB for inaccurately reporting on credit reports. You have 15 days to remove this account or you will be sued.

Company response to consumer: Closed with explanation