vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We applied and approved for the VAs XXXX program late XXXX  to help return our mortgage to good standing, prevent foreclosure and reduce our monthly payments. During the qualifying process we were asked by our mortgage company ( Freedom Mortgage ) if we had any outstanding HOA fees which we answered yes and provided the amount owed. According the XXXX VA XXXX XXXX chapter XXXX, Servicers are to confirm that Homeowner Association ( HOA ) charges are current. If they are not current, servicers are to include any outstanding HOA charges and special assessments in the XXXX payoff. This did not happen and now our HOA is foreclosing on our home. We have contacted Freedom Mortgage several times and we have been denied any payment with the same generic response, Per Veterans Affairs ( VA ) requirements homeowners association fees are only paid if action is taken affecting the priority of the VAs XXXX XXXX XXXX position. In this situation, the homeowners associations foreclosure does not take priority over the mortgage, and as such would not be something addressed in a VASP modification.. This statement is false and misleading. The VAs first XXXX position only applies to the VASP qualification process, not the execution process once approved. The VA manual clearly states that servicers are to pay the delinquent HOA dues and the VA also sent out a FAQ document solidifying this procedure. It can be found at https : //benefits.va.govXXXX under Question XXXX. I have contacted the VA many times and they said it was Freedom Mortgages mistake and can not help. I have contacted Freedom Mortgage many times and they refuse to pay the bill and keep providing the same generic answer. Please help save our home.

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 2025-07-26 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), 15 U.S.C. 1681i ( a ). This section grants consumers the right to dispute incomplete or inaccurate information and requires the credit reporting agency to conduct a reasonable investigation. 
XXXX XXXX XXXXXXXX * Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), 15 U.S.C. 1681i ( a ). This section grants consumers the right to dispute incomplete or inaccurate information and requires the credit reporting agency to conduct a reasonable investigation. 
XXXX XXXX XXXXXXXX * Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the account reported by OPORTUN/PROGRESO FINAN ( Account ending in XXXX ) as it does not belong to me. I have never opened or authorized this account and do not recognize the company or this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I demand full validation of this account, including detailed account statements, and any proof that this debt is legitimately mine. If the company can not provide proper verification, I request that this account be immediately removed from my credit report. 

This inaccurate information is causing harm to my credit, and I expect it to be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Subject : Robinhood Account XXXX XXXX XXXX XXXX XXXX Assets To Whom It May Concern : I am submitting this complaint regarding Robinhood Markets , Inc. due to what I believe are unfair and potentially abusive practices involving their cryptocurrency services. Specifically, my Robinhood account has been restricted from transferring or purchasing cryptocurrency, including XXXX ( XXXX XXXX ), after I attempted to move a lawful portion of my holdings to a secure, cold-storage wallet.

Issue Summary : Robinhood imposes a daily withdrawal cap of approximately {$5000.00} for crypto transfers, regardless of account size, risk profile, or user verification level.

After transferring less than that amount to my own wallet, I was locked out of all crypto activity unable to transfer, sell, or purchase any digital asset on their platform.

Robinhood has provided no specific reason for this restriction, no expected resolution timeframe, and no actionable path to escalate or restore access.

My assets remain visible in my account but are completely inaccessible, which is effectively a form of custodial seizure without due process.

I have reached out to Robinhood customer support repeatedly, and while I am awaiting a call, I have yet to receive any meaningful update, resolution, or human engagement regarding this lockout. Meanwhile, my ability to manage my financial property is suspended indefinitely with zero explanation or recourse.

________________________________________ Why This Is Harmful : I am a fully verified account holder with a substantial balance of digital assets, which are currently trapped on a custodial platform.

Robinhoods restrictive policies were not clearly disclosed at the point of purchase or deposit.

Their refusal to allow lawful transfer of assets undermines the principle of financial self-custody and places users at high risk of asset loss during market volatility.

No legal or regulatory framework ( to my knowledge ) requires them to cap daily withdrawals at {$5000.00} or to indefinitely freeze account access based on limited transfer activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
I received email notifying me of debt used for XXXX and gym memberships, i told the collectors that i was victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 2025-07-26 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:
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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Finance Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-07-26 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: AZ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MD

Complaint narrative:
When my husband passed away in XX/XX/year>, XXXX XXXX closed his credit card account and opened a new account with the transferred debt in my name. The amount of the debt was approximately {$28000.00}. So, I sent a written request and I spoke with XXXX XXXX to let them know that I neither provided written or oral authorization to be listed as a co-owner on my husbands credit card nor did I make any purchases. I additionally followed up to request to have the new account closed and debt discharged because XXXX XXXX failed to provide written documentation to prove the debt was valid or alternatively fraudulently accrued under my name. Thereafter, XXXX XXXX sold the account to MRS BPO , LLC ( MRS ) and XXXX XXXX now threatening to take debt collection action even though they have also failed to honor my request to provide written documentation that the debt belongs to me. It should also be noted that the XXXX XXXX and MRS accounts do not appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
My identity was stolen and multiple hard inquiries were reported on my credit as well as multiple accounts without my knowledge or permission. I am XXXX, so does impossible for me to agree to any contract or read any contract.

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 2025-07-26 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my accounts that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the accounts with the late payment. According to legal requirements, I understand that an investigation or update of the accounts are mandated. Kindly review the listed accounts below that requires correction : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MoneyLion Inc.
State: VA

Complaint narrative:
Moneylion and XXXX XXXX  has been falsely reporting me to credit beuroughs for an account that fraudulently opened. I am a victim of identity theft and have proven this with a police report several times. I have asked money lion to provide any proof with signatures or anything stating I agreed to the account. They still will not remove the account or respond to my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

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 2025-07-26 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: CA

Complaint narrative:
A negative item that was previously deleted from my credit file has been reinserted by the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), if any information is reinserted into a consumers file after having been deleted, XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
A negative item that was previously deleted from my credit file has been reinserted by the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), if any information is reinserted into a consumers file after having been deleted, XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : 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