vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XX/XX/year> my account was restricted by Robinhood which held cash transferred from my personal checking account and crypto. The restriction stated " We noticed some unusual activity on your account, so we temporarily restricted it to keep your account safe. '' I have held the account for years and it has always been connected to the same checking account for deposits and withdrawals. The only change in activity was some crypto transfers which is why someone would use a custodial wallet. I completed the request of sending my photo ID, face scan, and my checking account statement connected with my Robinhood account used for deposits. This data was not accepted to clear the restriction and I received a call from a representative from Robin Hood at XXXX XX/XX/XXXX. Upon discussion he requested my full banking statement instead of the front page only despite the front page containing all of the data required ( name, address, bank name, last 4 of account # ). I stated that they had no right to have visibility into my personal account history and the rep then ended the call stating they would review and follow up. Shortly later that day my account was noted to be closed. All I could do was close open crypto positions so I did so instead of leaving them open in case that access was also removed. I have been unable to send my funds back to the originating account and Robin Hood has replied with the same bot canned response below to all four of my inquiries regarding why a simple transfer back to the account of origination would take more than 3 days max.

" Thank you for your patience. I can certainly provide an update on the remaining funds being returned to their originating source.

At this time, Robinhood is working directly with your bank to return deposited funds to their originating source. This could tak
e up to 120 days depending on your bank, but can assure you that we are working on getting the funds returned.

Upon the completion of this process your Robinhood account will be scheduled for deactivation.

Again, I apologize for any inconvenience this caused. If you have any additional questions, feel free to reach out to me or our support team. '' Since I have no way to speak to a human I am in the dark as to what the actual status of my funds are. Holding a customer 's funds for up to 120 days without justification is suspect of fraud. The total cash held in my account is {$37000.00} and not having access to it is causing me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX CARD - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANTA FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing this complaint against my former mortgage Finanta also know as XXXX XXXX servicer due to a series of ongoing errors and mismanagement related to my mortgage account, which have caused significant financial harm and continue to negatively impact my credit. 

When I originally obtained the mortgage, the lender was listed as Finanta then changed there name to XXXX XXXX and now back to Finanta. During the life of the loan, Finanta failed on multiple occasions to pay my homeowners insurance, despite it being their responsibility as the mortgage servicer. As a result of these lapses, my insurance coverage was interrupted, and I was forced to obtain new policies each time incurring a 20 % penalty due to the gap in coverage. 

Additionally, I made several large lump sum payments to reduce the principal balance of my loan. These payments were not applied correctly, and despite numerous efforts to get this corrected, the servicer failed to properly allocate the funds. 

After years of attempting to resolve this issue directly, I retained legal counsel. Through this process, the mortgage company finally admitted to errors on my account. They issued me a refund of nearly {$8000.00}, and we reached a settlement to close the account. As of XX/XX/year>, this mortgage account has been paid in full and closed. 

However, despite the settlement and resolution, my credit reports now inaccurately reflect two active accounts : one listed under XXXX XXXX XXXX and the other under XXXX. Both accounts are incorrectly marked as past due and outstanding, when in fact the loan was settled and satisfied. 

I have repeatedly requested a letter of satisfaction from the mortgage company to confirm the loan has been paid and closed. They have refused to provide this documentation, and have taken no action to correct the errors on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I recently reviewed my Experian credit report and found several inaccurate and unverifiable negative accounts listed. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if any account is inaccurate or can not be fully verified, it must be deleted from my report. I am formally disputing the following accounts because they contain errors, lack proper documentation, or were placed on my report without sufficient validation. I am requesting that these accounts be removed immediately to comply with federal law. 



XXXX XXXX XXXX  Balance : {$530.00} Status : Collection account Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} Status : Charged off Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$19000.00} Status : Charged off ( Repossession ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ( Charged off, sold to XXXX XXXX ) Status : Charged off Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$720.00} Status : Charged off Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Status : Charged off Date Opened : 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 explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED IN MY NAME

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 2025-07-22 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: Round Up Ventures, L.P.
State: FL

Complaint narrative:
Lendly : XXXX XXXX amount XXXX Tried to contact company no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX  XXXX A XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX issued a background report about me, requested by the XXXX XXXX XXXX This report included a traffic violation from California for texting while driving, dated XX/XX/XXXX, with a disposition date of XX/XX/XXXX. 

However, at the time of the report, I had already legally changed my residence to the state of Florida and obtained a valid, unrestricted Florida drivers license, issued on XX/XX/XXXX. 

This outdated and irrelevant information from a previous state was used by XXXX to deny me the opportunity to work as a driver, which directly affected my employment and income. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA, XXXX XXXX Code XXXX et seq. ), specifically : XXXX ( b ) : XXXX is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. 

XXXX ( a ) ( XXXX ) ( A ) : Any inaccurate, unverified, or outdated information must be removed from the report if disputed. 

XXXX ( a ) ( XXXX ) : When adverse information is reported for employment purposes, the consumer must be notified and allowed to dispute it before an adverse action is taken. 

XXXX did not allow me to dispute the report before denying me, and XXXX failed to verify the relevance of the California violation with my current Florida driving status. 

I request that the CFPB investigate and require XXXX to update and correct its reporting according to the law. I am attaching a copy of my valid Florida drivers license as proof of my current legal driving status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has re-aged an old collection account that has been inactive since XXXX. As of XX/XX/XXXX, this account suddenly appears with a new delinquency date of XX/XX/XXXX, causing an immediate XXXX drop in my TransUnion XXXX XXXX. This is illegal re-aging of a debt, which violates the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX, which limits how long negative information can be reported. 

I have already disputed this account and submitted direct letters to XXXX and the credit bureaus. Additionally, this same account has already been removed from Equifax and Experian, confirming that this derogatory account should no longer appear. XXXX has not provided any documentation validating a new delinquency in XXXX. I request immediate removal of this inaccurate and harmful account from my TransUnion report. 

This practice is not only unjust but illegal, and I ask the CFPB to intervene and enforce compliance under federal law.

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 2025-07-22 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-22 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$25000.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$530.00} Utility Account Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$720.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1400.00}

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 2025-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank XXXX Retirement Transfer into Checking Account S.S # :. XXXX Please note that I am trying to complete a transfer from my IRA into my checking and it has yet to clear due to issues with my addresses. 

There are two addresses on file which I use to receive and send information. 

Both addresses are applicable in terms of documents. 

Please note that Citibank is holding my transfer due to there being two addresses on my file. 

Page XXXX of the Retirement form has one address -- - Attachment A another address -- - W4-R was sent via FAX TO XXXX Representative XXXX reviewed and approved W4-R On my profile at Citibank, there are a total of 2 addresses which I can use to request and send and receive documents.

Citibank holding my transfer due to two addresses being reflected on my retirement form. ( See attached Page 2 and Attachment A ) Representative XXXX reviewed the documents on XXXX and approved the transfer providing me a reference number. 

Today XXXX the transfer has not been completed due to two addresses reflecting on the retirement form. 

Please escalate the issue. 

Request to speak to supervisor and he denies the transfer due to there being XXXX addresses on form. 

All documents were completed, reviewed and approved by a XXXX representative generating a reference number. 

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 monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX  XXXX AUTO FIN AND XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX AUTO FIN AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
My information was compromised and I need these items removed at once

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
My information was compromised and I need these items removed at once

Company response to consumer: Closed with explanation