vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
My identity was compromised I have provided requested proof of address, social security cards police report and FTC reports. I have worked with several law enforcement agency and creditors to get these items removed and yet they keep coming back as verified when disputing with the bureaus. Im trying to figure out how they are coming back as verified when I speak with the creditors and nothing was requested of them and no one has contacted them. I asked the bureaus for method of verification for said accounts twice and no one seems to have those requests. Twice. Funny how I can dispute something within the next hours its updated and verified how especially on Experian. Im filing this complaint because I want the method you guys used to verify these accounts that you say are verified as I lawfully requested. And I know you dont have them because they arent any Ive called and checked everyday since XX/XX/year> or delete the accounts. The accounts are! 
Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX  ( Balance {$3500.00} ) XXXX XXXX Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX ( Balance {$1700.00} ) XXXX XXXX Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX ( Balance {$1800.00} ) 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 explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
My identity was compromised I have provided requested proof of address, social security cards police report and FTC reports. I have worked with several law enforcement agency and creditors to get these items removed and yet they keep coming back as verified when disputing with the bureaus. Im trying to figure out how they are coming back as verified when I speak with the creditors and nothing was requested of them and no one has contacted them. I asked the bureaus for method of verification for said accounts twice and no one seems to have those requests. Twice. Funny how I can dispute something within the next hours its updated and verified how especially on Experian. Im filing this complaint because I want the method you guys used to verify these accounts that you say are verified as I lawfully requested. And I know you dont have them because they arent any Ive called and checked everyday since XX/XX/year> or delete the accounts. The accounts are! 
Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX  ( Balance {$3500.00} ) XXXX XXXX Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX ( Balance {$1700.00} ) XXXX XXXX Dept of ED / XXXX Account # XXXXXXXX XXXX XXXX ( Balance {$1800.00} ) 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 2025-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
On Tuesday XX/XX/year>. I contacted Movement Mortgage to provide my documentation of tax exempt status for personal property taxes as a XXXX XXXX. I was advised that I was confirmed exempt and that they would send me a refund. I received the refund the next month. When attempting to transfer my mortgage to a new company using a XXXX movement advised they were still collecting taxes. They are saying that my payment is late because I paid the amount that I was advised to pay, by their company! I called movement on XX/XX/XXXX and they advised I was correct, I was being incorrectly charged and was confirmed tax exempt in XX/XX/year>. XXXX is still sending me emails saying that I owe them over XXXX XXXX  for taxes/escrow. My mortgage loan officer was zero help and said Im not sure what you want me to do with this. They are asking for the tax exemption paperwork again even though they confirmed they had it on file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello, This is my 2nd claim towards Robinhood since their customer service is not existing and this is the only way to get in touch with them.

My 1st claim got resolved and I got my money back thanks for the claim. 

The issue now is that while my account was being closed on XX/XX/XXXX I accidently sent from my XXXX XXXX to my Robinhood Wallet ( they were previously paired that why the confession happened ) around XXXX XXXX XXXX XXXXt back in day ~ {$7800.00} and currently ~ {$9400.00} which I noticed it and sent an email to Robinhood, I also called but it is no sense because they hold you on line 1-2 hours and they hang up on me saying that my account is deactivated. 

On XX/XX/XXXX till XXXX I got response that it will take around 30 days to get resolved See attached email On XX/XX/XXXX I got email sayin it will take around 15days now And today on XX/XX/XXXX I got email saying that they see the XXXX but my account is deactivated. 

I will attach confirmations of transaction going through, them getting it ( it still shows under review but nothing is being done ) and also proof that the wallet is still holding the XXXX  and did not liquidate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
I filed a dispute on XX/XX/year>, regarding a refund from XXXX XXXX that was issued back to my card via XXXX, which I never received. I provided all documentation showing the refund was processed, but my initial dispute was denied. I reopened the dispute and resubmitted all required proof. 

Despite this, Chime has refused to provisionally credit my account, reversed temporary credits, and repeatedly hung up on me. On XX/XX/year>, Chime issued a strike warning and threatened account closure in response to my verbal frustration. This threat is illegal and retaliatory. 

Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. 1005.11 ), Chime must provisionally credit my account once all documentation is provided. Their refusal to do so, and threats to close my account to avoid paying the dispute, constitute violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
RE : FORMAL IDENTITY THEFT & INACCURACY DISPUTE CONSUMER FILE # XXXX DEMAND FOR IMMEDIATE DELETION WITHIN 4 DAYS UNDER FCRA, FACTA, AND 15 U.S. CODE 1681 To Whom It May Concern, I am writing as the legal consumer associated with ChexSystems Consumer ID # XXXX to dispute and demand immediate deletion of fraudulent and inaccurate information currently being reported under my file. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), FACTA, and 15 U.S. Code 1681 et seq., and any failure to act may result in formal legal action.

1. Fraudulent Account XXXX XXXX XXXX  The report lists an account with the following details : Institution : XXXX XXXX XXXXXXXX Date Closed : XX/XX/year> Reported Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Closure Status : UNPAID, Charge-off : {$6500.00} XXXX XXXX XXXX XXXXXXXX / XXXX This account is fraudulent and was opened without my knowledge or authorization. I have never banked with XXXXXXXX XXXX, nor have I resided at the address listed. This is a clear case of identity theft, and I am exercising my right under FCRA 605B to have this entry permanently blocked and removed from my file within 4 business days.

2. Unauthorized Inquiries Viewed By Others You are reporting multiple inquiries by entities such as : 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 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 2025-09-10 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Equifax, Experian and XXXX and the collection agencies reporting unverifiable accounts on my credit report. 

There are three collection accounts appearing on my Equifax credit report for the following amounts : {$130.00} {$410.00} {$540.00} I have no knowledge of these debts and have never received proper validation or documentation regarding their origin, despite multiple requests to both the debt collectors and the three credit bureaus. I have made repeated disputes with all three major credit bureaus. Some of the bureaus have removed the some of accounts due to lack of proper validation. However, Equifax and Experian continues to mark these accounts as verified without providing any proof of the investigation or how the accounts were verified. 
I have also contacted the collection agencies directly and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), yet I have never received a response or any supporting documentation. Despite the failure to provide proof of the debts, Equifax continues to allow these unverifiable accounts to remain on my report. 

I am requesting that the CFPB investigate this matter, as I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA have been violated. 

Specifically : I have not received verification of the debts upon request. 
Equifax has not provided any investigative findings despite my requests for information on how these accounts were " verified. '' These accounts appear to be inaccurate, unverifiable, and potentially fraudulent, yet Equifax continues to report them. 
These inaccuracies are negatively affecting my credit score and my ability to obtain credit. I am asking that you compel Equifax to : Provide full documentation of how these accounts were verified. 
Remove the accounts from my credit report unless proper documentation is provided. 
Take appropriate corrective action in compliance with the FCRA and FDCPA. 
Please let me know if any additional information is required to move forward with this complaint. I appreciate your time and help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I have some unauthorized inquiries on credit report that need to be removed immediately! 
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 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 2025-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

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 2025-09-10 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 wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I logged into my account and seen all my credit cards are closed. I was advised the accounts was closed due to returned payments. But they also closed my savor and XXXX XXXX XXXX which did not have any return payments. Those accounts are in good standings and capitol one did not let me even try to save my account from being closed. And I did not get any proper notice about the account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
These inquries were not made by me please remove 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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, a customer filed a dispute on PayPal claiming they did not receive an item. However, this was a digital booking confirmation for a professional service on my website not a physical item. The booking confirmation was delivered via email, and the buyer manually checked a required box agreeing to my clearly displayed no-refund policy prior to completing the purchase. 

I provided PayPal with : Screenshots showing the no-refund policy checkbox the customer agreed to Proof of the service page and checkout flow Business records verifying no item was ever to be shipped A valid explanation showing fulfillment was digital and immediate Despite this, PayPal has not resolved the case or acknowledged the no-refund terms, effectively allowing the buyer to weaponize the dispute system against my business. 

Ive called PayPal multiple times requesting escalation to a dispute specialist. Every agent confirms that the case is under review but provides no further action or resolution path, despite prior history where cases like this were resolved immediately by dispute resolution staff. This delay directly harms my small business and creates a dangerous precedent that digital sellers can be targeted and penalized unfairly. 

I am requesting the CFPB assist in holding PayPal accountable for : Ignoring clear business terms ( no refund policy ) Failing to provide dispute escalation or adequate support Not properly protecting sellers of digital goods despite evidence I am seeking the immediate release of held funds and permanent closure of this unfair dispute in my favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-09-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation