vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
XX/XX/XXXX STILL NO CHECK IN THE MAIL!

To whom it may concern : My husband and I have a home loan through Planet Home Lending. I was notified that I need to pay extra for our escrow acct. 

I called on XXXX to voice my concerns regarding my extra payment of XXXX made on XXXX. WE WERE NEVER TOLD THAT WE WOULD NEED TO PAY THE SAME HIGH AMOUNT FOR THE NEXT 2 MONTHS. 
The reps must get an incentive for people to make a payment over the phone. I have been calling for months and NO ONE has ever told me that the extra payment would NOT be applied to the account right away NOR did they tell me that they would take the money then issue me a check for the difference. WHICH YOUR COMPANY DID. A check was issued for XXXX on XXXX I HAVE A LEGAL RIGHT for those calls to be pulled and have it verified that we were not told that we will have to pay extra for 2 more months AND an explanation why you took too much money! 

XXXX XXXX I spoke with XXXX XXXX she just kept repeating that a check was sent back to us on XXXX. I requested to speak with a manager/supervisor and spoke with XXXX. 
XXXX calling to check the monthly payment, was told it will be the same for the next two months and that we paid too much. A check was issued. 
XXXX XXXX took the payment of {$3900.00} XXXX XXXX spoke with XXXX XXXX I was told what was owed but never told our payment would not change for 2 months. 
XXXX XXXX told what was owed. NEVER told that the payment would not take effect right away. 
XXXX XXXX - told what was owed. NEVER told that the payment would not take effect right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of 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 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 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  Please investigate and remove the accounts and all associated negative information 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 non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I have had an account on Robinhood for many years. On XX/XX/year> I tried to send my crypto to another wallet and my account at Robinhood was fully blocked, all my buy and sell orders cancelled and I couldn't do anything. They asked for additional documents which I have provided. I was reaching out to them every day and they finally sent me an email that the account was unblocked on XX/XX/year>. I have logged in and found that I can now buy or sell my XXXX, but I can not transfer it. Support manager told me that my account had been permanently blocked from sending XXXX and they can not unblock it. Which is absurd, since I have provided all the documents and I don't want to sell my XXXX because this way I will have to pay a lot of taxes. I just want to transfer my crypto to another wallet to make sure it is safe. I think this is a violation of my rights to restrict me from withdrawing my assets from this company. When I signed up it was clear that I can buy, sell and send/receive crypto. But when I've accumulated money on my account over the years they have blocked me from transferring my assets. This is not a trustworthy service provider and I hope they can unblock me. If not I want other people to learn about my problem with Robinhood and not to invest money in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX continues to report dated derogatory information that continues to negatively impact my current credit standing. This information shows 30 and 60 lates that was reported 5 years ago or more. This mistake happened after divorce and shifting responsibilities to a between spouses. Since then, I took on the responsibility on paying the outstand debt to the home equity line of credit. We have been current on all bills since this time. We've have asked for removal multiple times over the years due the mishap. Now years later, this is still impacting negatively on my credit. I have summited another Removal and Correction letter as of XX/XX/year> to all three bureaus to fix this immediately. 

Regions Bank show a 30day late that processed on my credit report which occurred during the sale of the home. Never late on payments during the ownership of the home, There was an overlap during the closing and the payment time schedule. We simply ask for removal in proof of good faith prior to this event. Now 3 years later, it is still impacting my credit. 

XXXX XXXX XXXX collection was paid in full and never removed. We have called to permanently remove the information., they stated that we contact the bureaus to remove. I have submitted a removal letter. No outcome. 

A collection from the XXXX XXXX XXXX ( on behalf of XXXX XXXX ) I have paid the bill in full to XXXX directly through MyChjart XX/XX/year> with 3 separate payments in the amount of {$1400.00}. I want it removed from our credit 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I am disputing this debt and requesting the company cease all collection activities until proper validation is provided. I believe this violates the FDCPA and am requesting assistance in resolving this issue. 
Please provide the following information : The name and address of the original creditor. 

The full amount of the alleged debt, including a breakdown of fees, interest, and other charges. 

A copy of the original contract or agreement bearing my signature. 

Documentation that proves you have the legal right to collect this debt, including proof of assignment or purchase. 

The date of the alleged debt and the date of last payment, if any. 

A full payment history showing how the amount was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute an inaccurately reported charge-off account appearing on my TransUnion credit report from XXXXXXXX XXXX XXXX account number ending in XXXX, with a charge-off date listed as XX/XX/year> and a balance of {$4700.00}. This account is being reported as a derogatory charge-off despite the fact that I have disputed this entry previously and have received no proper documentation verifying its accuracy, validity, or current relevance. 

I take my credit health seriously. I regularly monitor my reports, settle my obligations, and dispute items that are misleading or outdated. This particular account is both emotionally draining and materially damaging. I have already attempted to resolve this directly with TransUnion through the standard dispute channels, but instead of receiving verifiable documentation or a clear explanation, the item remainsuncorrected and unjustified.

I am not alleging identity theft or fraud, but I have become increasingly aware that such discrepancies may be the result of poor data sharing practices or a larger data breach or database integrity failure. Regardless of how it got there, I did not authorize or verify this charge-off to continue damaging my file years after the fact. At this point, the entry is doing more harm than goodpenalizing me with no basis in confirmed reality.

As a result of this inaccurate reporting, Ive suffered emotional stress, financial setbacks, and multiple missed opportunities. Ive worked hard to rebuild my credit, and its unacceptable that Im still being weighed down by a charge-off that can not be substantiated. These systemic reporting failures, whether accidental or negligent, hurt real people like meand I am exhausted by the burden of having to constantly prove that I deserve an accurate file.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like TransUnion are required to ensure maximum possible accuracy of all consumer information under 15 U.S.C. 1681e ( b ). Moreover, once an item is disputed, the agency must conduct a reasonable and timely reinvestigation under 15 U.S.C. 1681i, and if the item can not be verified, it must be deleted. It is not lawful or acceptable to continue reporting unverifiable derogatory information that punishes consumers indefinitely.

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 2025-07-08 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:
Account opened with XXXXXXXX XXXX in XXXX XXXX XXXX inquired with XXXXXXXX XXXX on 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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! 

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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and misleading late payment notations currently appearing on my TransUnion credit file. These entries concern accounts that are all closed, fully paid, and carry a XXXX XXXX  and zero past-due amount. The accounts in question are : XXXX Account ending in XXXX, with a reported late payment dated XX/XX/XXXX. 
XXXX Account ending in XXXX, reported with a late payment on XX/XX/XXXX and listed as Closed & Paid/XXXX XXXX/Zero Past Due. 
XXXX XXXX Account ending in XXXX, with a reported past-due status dated XX/XX/XXXX, despite showing a {$0.00} past due balance. 

I want to be very clearthese accounts are resolved. They do not carry outstanding balances, nor should they carry derogatory notations related to late payments. The fact that these entries remain on my file, despite being both inaccurate and misleading, has caused me significant emotional and financial distress. Ive had to relive the past repeatedly while trying to move forward, only to have closed accounts from years ago continue to punish me. 

Ive done the work to clean up my credit. Ive made every payment Ive committed to, paid off what I owed, and followed up on disputes like this countless times. It is demoralizing to constantly have to prove that Im not a delinquent borrower when the records themselves dont even reflect a past-due balance. This is not simply a clerical errorit is a misrepresentation of my character and financial responsibility.

It is my strong belief that these kinds of mistakes may be the result of systemic data mismatches or outdated recordspossibly even stemming from a data breach or file-merging failure. I am not alleging identity theft or fraud, but it is absolutely clear that TransUnion has failed to meet its legal obligation to report information with maximum possible accuracy.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion is required to ensure that the information it publishes is accurate and up-to-date. Additionally, under 15 U.S.C. 1681i, once a dispute has been filed, TransUnion is obligated to conduct a reasonable reinvestigation and remove or correct any item that can not be verified with reliable documentation.

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 2025-07-08 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$15000.00}

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 explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-07-08 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:
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 non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$45000.00} INQUIRIES : XXXX XX/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 2025-07-08 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: IA

Complaint narrative:
Since XXXX, the 3 credit reporting agencies Transunion, Equifax, and Experian have been reporting a missed payment or payments for my XXXX auto loan account. This missed payment has been reported for XX/XX/year>, XX/XX/year> sometimes both as my report has changed multiple times always reporting inaccurate information. XXXX has sent the credit bureaus multiple audits and documents in an attempt to remove these reported missed payments entirely, because I have not missed ANY payments. Each time, the credit bureaus change my report to reflect a missed payment for either XXXX, or XXXX of 2025 but as of this date have not removed the missed payments entirely as requested by XXXX, and myself in multiple disputes I have filed which come back as 'verified ' each time. I can only assume that since XXXX is requesting these missed payments be removed and I am also requesting the same, that the credit bureaus are not investigating my disputes as legally required by law and are instead doing whatever they want.

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 2025-07-08 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: IA

Complaint narrative:
Since XXXX, the 3 credit reporting agencies Transunion, Equifax, and Experian have been reporting a missed payment or payments for my XXXX auto loan account. This missed payment has been reported for XX/XX/year>, XX/XX/year> sometimes both as my report has changed multiple times always reporting inaccurate information. XXXX has sent the credit bureaus multiple audits and documents in an attempt to remove these reported missed payments entirely, because I have not missed ANY payments. Each time, the credit bureaus change my report to reflect a missed payment for either XXXX, or XXXX of 2025 but as of this date have not removed the missed payments entirely as requested by XXXX, and myself in multiple disputes I have filed which come back as 'verified ' each time. I can only assume that since XXXX is requesting these missed payments be removed and I am also requesting the same, that the credit bureaus are not investigating my disputes as legally required by law and are instead doing whatever they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: RI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief