vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Ive had my Robinhood account for almost five years. Ive never had a problem with Robinhood. But a few weeks ago, I tried to transfer just over one Ethereum to another exchange. Robinhood did not allow this transfer. They then told me that I would need to submit my drivers license and take a few selfie pictures, to confirm that its really me. I did just that, but on XXXX, XXXX, 2025, Robinhood notified me that they were closing my account and restricting it so that I do not have access to my funds. They did not provide me with any explanation as to why they were doing this, and I have not been allowed to speak with or chat with any actual human being for customer support ; only automated BOTs. Robinhood only gives me a few common problems to choose from in multiple choice form. None of them have anything to do with my issue or how to gain access to my funds. XXXXobinhood only gives you a choice of two buttons, one that says, Thanks, that was helpful, or, End chat. My account has since been restricted and is being closed, without any sort of explanation as to why, and with no explanation on how I can get my funds back-the BOT only states that my funds will be deposited into the account that they were drawn from and it can take 30 to 120 days. But I absolutely need access to my funds, immediately, as I had some unexpected bills and now my bank account is in the negative. I now have no means to support myself, or my kids. 

I did not violate any Robinhood policy. My account was probably flagged because I sold my house and put all of my funds into Robinhood, and that couldve set off an unusual account activity flag by the algorithm. Or, perhaps the algorithm was alerted because I tried to transfer a little more that one ETH from Robinhood to another exchange ; I was trying to plan ahead and put some of my funds on another exchange, just in case something sketchy like this might happen. It could also just be a computer error but Im not able to chat with an actual person who is able to listen to reason or help resolve any problem that might arise.

I sold my house to invest and Robinhood made me liquidate my entire portfolio and charged me fees to do so. Robinhood has also frozen all of my money. I have no way to pay any of my bills, my bank account is overdrawn and I have no money for food or gas to even get to work, or to support my kids, and I have more bills that are about to come out of my account, automatically, but they will bounce because its overdrawn and Robinhood is holding my money and not allowing me to access it. A simple customer support human being could solve this problem but Robinhood will not allow me to get ahold of one. Please help. This is an emergency!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a member of Navy Federal Credit Union. My debit card and banking information were compromised in early XX/XX/XXXX. 
On or about XX/XX/XXXX, I began receiving purchase confirmations by email for orders I had not placed. At first, I assumed these were phishing emails and did not click into them. 
On XX/XX/XXXX, Navy Federal notified me that a purchase had been declined at New Balance. I immediately checked my account and discovered over {$1000.00} in unauthorized charges. 
I then reviewed the emails and saw that the receipts were under my name, billing address, email, and phone number, but the shipping addresses were out-of-state locations unknown to me. 
Because the perpetrators had used my email in the orders I also received shipping confirmations, I promptly contacted the merchants and XXXX to stop the shipments, and I reported the fraud to Navy Federal that same day. A claim was opened on XX/XX/XXXX, and Navy Federal issued provisional credits and replaced my debit card. 

On XX/XX/XXXX, I noticed the provisional credits were removed from my account. I went to a Navy Federal branch and was told that an email had been sent on XX/XX/XXXX requesting documents. No such email exists in my inbox, spam, or my Navy Federal online messages ( the branch representative confirmed this while reviewing with me ). Despite never providing me the request, Navy Federal closed my claim. 

On XX/XX/XXXX, after numerous conversations with multiple bank reps, a message with appeal instructions arrived in my online account. I immediately submitted the requested documents and proof of communications with the merchants. 

Since then, nothing has been done. Navy Federal has refused to escalate my claim or reinstate my provisional credits, despite acknowledging I followed their instructions once I received them. 

The harm caused : Despite working full-time, I live paycheck to paycheck. The removal of the provisional credits has put me behind on rent, and I have now received a 3-day eviction notice. 

Navy Federals refusal to escalate the reopened claim is directly harming me financially and threatening my housing stability.

Under Regulation E, Navy Federal was required to : Investigate my claim within 10 business days or, if more time was needed, provisionally credit my account while continuing the investigation ( 12 C.F.R. 1005.11 ).

Provide written notice of any delay or request for information. I never received notice or a request dated XX/XX/XXXX. 
Resolve the claim promptly and fairly. Instead, they removed provisional credits without proper notice and closed my claim prematurely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
These accounts were opened without my consent and are fraudulent. I request their removal from my record and a detailed inquiry. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I received a credit alert of a collection item on XX/XX/XXXX. I have repeatedly called daily to the number for the collection company, SOS Group / Head Mercantile Group Inc. to resolve with no answer or other way to make contact. I discovered the collection attempt was a medical bill from the credit bureau notes related to XXXX XXXX XXXX. I contacted the hospital for some explanation but didn't receive any assistance. I confirmed that no billing was ever received from XXXX XXXX XXXX for any patient portion of a bill. I reached the collection company on XX/XX/XXXX but the collection agency was unable to provide any information, billing, etc. I asked for some confirmation of the original billing and a release upon said confirmation & payment. I was hung up on the phone by the agent, XXXX XXXX despite asking for some validation of the debt. This un validated account is currently effecting my credit score by XXXX points across various score models.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Credit Service International Corp
State: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year>2019 ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: WI

Complaint narrative:
I will like for my correct balance to be updated to the credit bureau of the correct balance. It was lastly updated in XXXX of 2025. The account is from American First Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax file shows incomplete or inconsistent reporting compared to the other nationwide bureaus, causing an unjustified score gap. There are no derogatories. Missing/partial tradeline data ( age, limit, or on-time months ) appears to be suppressing my score. 

I disputed directly with the bureau and requested correction/completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and derogatory information reporting on my credit files with Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under FCRA Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), all information reported must be accurate, complete, and verifiable. The following accounts, late payments, and inquiries contain errors, inconsistencies, or unverifiable reporting and must be permanently deleted or corrected.

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