vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am filing this complaint because I am completely locked out of my Robinhood account and the company refuses to provide a manual verification option.

The Issue : I created a Robinhood account several years ago. I no longer have access to the email address or phone number associated with that account.

I have attempted to contact Robinhood support, but their system is automated and requires a user to " log in '' to receive effective assistance. Since I can not log in, I am trapped in a loop.

I have my Social Security Number and a valid Driver 's License ready to verify my identity. I am requesting that Robinhood 's compliance team contact me directly to initiate a manual identity verification so I can regain access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I received a notification from XXXX XXXX stating I have a new account with I C System which is a collection account. I called IC Systems to try to figure out what type of account this was, and the representative, XXXX, told me I needed to pay a fee for them to run some type of background check to see what the collection account was. He would not give me any information, he couldn't find me in their database, and when I asked him why did the company put this account on my credit, he couldn't give me an exact answer. He hung up on me.

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 2025-12-19 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 2025-12-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing the accuracy and legal compliance of a collection account being reported by LVNV Funding LLC, originally from XXXX XXXX XXXX. 

This account is being reported inconsistently across consumer reporting agencies. XXXX  and XXXX report different dates of last activity, different closed dates, different creditor classifications ( Bulk Purchase Finance versus Factoring Companies ), and different payment status information for the same alleged debt. 

XXXX  reports that the account is seriously past due and assigned to attorney, yet no attorney is identified, no lawsuit exists, and no legal action has been filed. This is a false and misleading representation of legal status. 

The account is also reported using a vague and non-verifiable XXXX XXXX status code ( XXXX ) while simultaneously showing no payment history, no days late, and no delinquency history. These contradictions render the account inaccurate and unverifiable under the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ).

Because LVNV Funding LLC can not report this account accurately or consistently, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am disputing a debit card transaction for non-receipt of merchandise. 

I placed an online order with XXXX for {$100.00}, which was shipped via a third-party carrier ( XXXX ) who left the package unsecured in a shared condominium common area. I never received the merchandise. 

I contacted XXXX and requested a refund or replacement. They refused to provide either, stating that the system would not allow a third reship. 

I then contacted Discover and requested a Regulation E dispute for non-receipt of merchandise. Discover refused to open a dispute, stating that debit cards have no protection. I requested that this refusal be documented in my account notes, and the agent confirmed it would be added. 

I am requesting a full refund of the {$100.00} charged to my debit card for this order. If a refund is not possible, I request that the transaction be credited to my account and that the merchant be held responsible for replacement or reimbursement. 

I am also requesting that Discover properly investigate this matter under Regulation E for non-receipt of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-19 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: CA

Complaint narrative:
I am disputing the accuracy and legal compliance of a collection account being reported by XXXX XXXX XXXX, originally from XXXX XXXX XXXX. 

This account is being reported inconsistently across consumer reporting agencies. XXXX XXXX Equifax report different dates of last activity, different closed dates, different creditor classifications ( Bulk Purchase Finance versus Factoring Companies ), and different payment status information for the same alleged debt. 

XXXX  reports that the account is seriously past due and assigned to attorney, yet no attorney is identified, no lawsuit exists, and no legal action has been filed. This is a false and misleading representation of legal status. 

The account is also reported using a vague and non-verifiable Metro 2 status code ( XXXX ) while simultaneously showing no payment history, no days late, and no delinquency history. These contradictions render the account inaccurate and unverifiable under the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). 

Because XXXX XXXX XXXX can not report this account accurately or consistently, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NY

Complaint narrative:
On XX/XX/XXXX, my Citibank credit card was withdrawn {$1000.00} without my consent. I contacted the bank immediately and disputed the transaction, and got a new card. I did everything I could do. The transaction still appears after XXXX weeks. The case is still pending. I contacted the bank regarding this. The representative told me I need to wait for the result, and it is about 60-90 days. My problem is why I need to wait for the result, while the bank can just ask me for money first? Can all people just pay {$1000.00} ahead if they just live paycheck to paycheck? In addition, I went to the police station for this matter too. The policer said they need a filled-out form from the bank and to bring it in with me. However, I asked a Citi online representative, and He or she said " we do not issue a particular form ''. The same thing happened to me around XXXX, Covid pandemic period with a XXXX checking account. I went to the police station to report and was asked to fill out a form with the bank first. Why do steps become so complicated when people want to fix the fraudulent activity, but the criminal did those bad things easily?

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 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I accessed Mountain Land Collections online portal and saw multiple active balances opened in my name that I never authorized. I did not grant consent for these debts to be collected, and XXXX has not provided any signed contract, assignment documentation, itemized ledger, billing records, or verification proving they have legal authority to collect. 

I submitted a written request for validation and proof under FDCPA 1692g, but MLC continues to maintain internal active accounts and reflect balances while failing to produce validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: IL

Complaint narrative:
TRANSUNION LLC XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NO : XXXX FTC REPORT : XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Reported 30 days late in XX/XX/XXXX. The late payments is inaccurate and unverified. Please conduct a full reinvestigation and remove or correct the late payment history. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$47.00} 2. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$120.00} 3. This account has been paid before it went to the collection Please delete this immediately. 
XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) DATE OPENED XX/XX/XXXX BALANCE {$520.00} 4. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$770.00} 5. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX 6. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 
XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX 7.This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX 8. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX 9. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the creditor responsible for their inclusion. Any information that can not be verified by the creditor should be deleted. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. 
Please provide me with an updated copy of my credit report, free of charge, to the aforementioned address. Furthermore, I kindly request that you notify any entities who have received my credit report in the past XXXX months about any corrections made.

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 2025-12-19 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Date : XX/XX/year> RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I am writing to formally demand the correction of inaccuracies on my credit repost as is my right under Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S. Code 1681i Upon reviewing my credit report, Ive identified several erroneous personal identifiers that must be DELETED immediately. I am formally requesting a validation of this alleged debt Provide a full detailed list of the payment history on this account. 

Contract with original signatures between Portfolio RC and myself A current balance on this account Verification that supports the claim for the amount currently owed. 

Information concerning the age and amount of the debt, inclusive of the last billing A Detail breakdown of any interest accrued payments made on the statement The date the original creditor marked the account as delinquent Additionally, kindly clarify wheather this debt falls within the statute of limitations and how the balance was determined. 

Be advised that unless the requested information is furnished yu have not met the criteria to report this debt to the credit bureaus, if you can not provide the request validation you are obligated to immediately expunge this account from my credit report as per U.S Code U.S.C. 1681 g ( b ). 

Lastly, I am hereby revoking any permissions granted for you to contact or communicate with by mans, other than through via mail via the United State Postal Service, as stated under U.S. Code 15U.S.C 1692 c ( c ). 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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