vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
I set up an account with Robinhood, to trade crypto. I purchased the crypto through Robinhood, then tried to transfer the assets to another crypto exchange to purchase assets through coin transfer rather than using cash. I transferred a small amount of assets to confirm my transaction addresses were correct. When I went to transfer the large amount of crypto, I got a warning that I could not transfer the assets and my account was on hold, because of a scam. This was on XX/XX/year>. There was no scam. My test assets are sitting where they were meant to go. Since this first encounter, not only has my ability to transfer assets been disabled, I can no longer purchase assets through Robinhood. I have multiple email and calls into the company but keep getting the run around, saying a special team is looking into my case, but I can never talk to this team. No one in the lower team has any clue of what's happening, other than to tell me the special team is looking into this. I spoke to another representative on Sunday, XX/XX/year>, to get an update. After telling me the same story as all the other reps have, that the case is sitting in this special review group, I asked how long it would take for the money to transfer to my banking account if I just sold the assets and moved to another exchange. The rep told me I can't sell the assets because my account is under review. I can't buy or sell on Robinhood as of today. I can't transfer and I can't sell the assets and get my money, because they say I supposedly was scammed. They, Robinhood, are scamming me. I would like to get my assets from Robinhood as soon as possible. I read some online posts, saying Robinhood is known for doing this. I want my money or assets. Can you please help me? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX charged my paypal account in excess of {$650.00} alleging that it was a preauthorized transaction for a yearly subscription. Neither paypal nor XXXX XXXX is willing to reverse the charge. XXXX XXXX did email me a screenshot of where they allege I authorized the transaction, however, name and address were blurred out, and the date does not coordinate with the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: 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. 



I did not consent, nor authorize, nor did i benefit from the following accounts. They are fraud and remove them 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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
What I received from this company was a threat that they would sue me. Never received what I asked for signed application with my signature it signature if charges. My XXXX  report shows placed for collection on XX/XX/year>. How can that be when it doesn't belong to me. These people are predators. Upon researching this it was charged off by XXXX XXXX they bought from them now they have re-aged the debt which is against the law. The one thing I know is statue of limitations for SC is 2 years from the date of Charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made an online purchase & after waiting longer than the expected delivery time, I never received my item.. I contacted Macys ; they informed me that my package was indeed lost in shipping & they would resend the item. After speaking with the representative, I awaited my item once again. Several days pass & I still havent received my purchase. I reached out to Macys in disappointment & wanted an update. According to my tracking, it said error on my end so I asked them to just please cancel my order altogether. They were apologetic & stated that the funds will be placed back on my card. I was satisfied with the outcome..

Several months later, I receive a notification that I have a balance on my account for an item Ive never received. I reached out directly to Macys, to get clarification on what was going on, to my surprise, they had indeed charged me for a package that I was previously told was lost in shipping. I was very confused at why this is happening months later. I am a XXXX XXXX Customer & I have personal assistance as well as XXXX XXXXXXXX to assist in managing my finances and bills. It took me a while to notice the affect that this has had on my credit report aswell as the financial burden of fees that have accumulated because of this transaction. 

I have spoken to Macys several times and I am repeatedly told that this is resolved, but as of today it is still not resolved, I also feel discriminated against having let them know that I am a XXXX XXXX customer and I get help with looking over my statement.They indeed expressed to me that I am not allowed to do so as the person helping me is a third-party and they cant have my account information. According to the ADA, I am entitled to reasonable accommodations and assistance wherever necessary. I would just like to get this resolved. It is very unfair and unethical for me to be charged for something I didnt receive, I also have strict instructions as well as an ADA sign outside of my home to instruct how to deliver my package so there arent any issues with receiving them once they reach my address.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding JPMCB CARD s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. JPMCB CARD has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am disputing the accuracy and validity of a debt being reported by Credit Corp Solutions Inc. for the amount of {$3900.00}. I have not received proper validation or documentation to prove this debt belongs to me. The company has failed to provide sufficient evidence, such as the original signed agreement, account statements, or a full accounting of how this balance was calculated. 

Additionally, I was not properly informed of my right to dispute the debt in the required timeframe, and the notices I did receive did not provide enough information to verify the debt. This lack of validation violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I request that this account be fully investigated, that proper documentation be provided to me if the company believes the debt is valid, and that the item be removed from my credit reports if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VT

Complaint narrative:
XXXXXXXX XXXX XXXX ), ( XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX 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 those attached in report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-30 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: VT

Complaint narrative:
XXXXXXXX XXXX XXXX ), ( XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX 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 those attached in report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-09-30 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:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-09-30 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: The CBE Group, Inc.
State: IL

Complaint narrative:
On reviewing my credit report, I found multiple accounts reporting inaccurate, incomplete, and unverifiable information. These accounts are showing derogatory statuses, inconsistent balances, and incorrect dates of last activity. The furnishers and credit bureaus are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accurate, fair, and verifiable reporting. They are also in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as no proper validation of debt has been provided despite derogatory reporting.

I have disputed these accounts previously and the furnishers failed to provide proper verification or validation of the alleged debts. Instead, they continue to update and report inaccurate and damaging information. These actions are causing ongoing financial harm, lowering my credit score, and preventing access to fair credit opportunities.

I am requesting that these inaccurate accounts be fully investigated and either corrected or permanently deleted, as required by law. I also request that all parties involved cease reporting unverifiable information until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am again disputing the above-referenced collection account, which is being reported on my credit file. 
This debt is not mine. Despite my prior dispute on [ XX/XX/year> ], the item has been reported back as verified, yet no supporting documentation proving that I am responsible for this debt has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must conduct a reasonable reinvestigation whenever a consumer disputes information and delete any information that can not be verified ( 1681i ( a ) ( 5 ) ( A ) ).

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that, once a debt is disputed in writing, the debt collector must cease collection efforts and provide proper validationincluding a copy of the original signed contract or other documentation that proves I am legally obligated for this debt. 

Your verification to date has not included : XXXX copy of the original contract or application bearing my signature ; XXXX full payment history showing how the alleged balance was calculated ; or 3.Proof of assignment or transfer of the debt to the current collection agency.

Absent such evidence, continuing to report this account is a violation of FCRA 1681i ( a ) ( 5 ) ( A ) and FDCPA 1692e ( 8 ), which prohibits communicating or threatening to communicate false credit information.

I hereby demand : A full description of the procedures used to verify this account under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ; and Immediate deletion of the collection account from my credit file unless full, documented proof of my liability can be provided.

Please respond within 30 days of receiving this letter as required by law. If you continue reporting this unverifiable collection, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and consider further legal action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation