vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX concerning my account ( XXXX XXXXXXXX ). The company is reporting that my account is late every month, despite the account being closed. Additionally, they are continuing to add interest to the account balance even though the account has been closed. 

This inaccurate reporting is negatively affecting my XXXX XXXX and causing unwarranted financial hardship. I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX corrects their reporting and ceases adding interest on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was recently victim of the XXXX Data breach and now I see tha there is a discover card on my file which I have never had. I called Discover and they only wanted to work out payments when I explained that I didnt owe the debt and I never opened the account they told me that they mailed the bills to my address when I explained that I used a XXXX XXXX because I am a XXXX XXXX and Im rarely home they said too bad talk to the credit bureaus. I called all three credit bureaus and they all say the same thing call Discover im a hamster in a wheel please help me get of this merry go round

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
Paid off the balance of my loan to the tune of > {$42000.00} in and around XXXXXXXX XXXX XXXX. Apparently there was an overpayment when this happened. Received a letter from the company letting us know this and that they were issuing a refund. The amount was just shy of {$7000.00}. The check was issued on XX/XX/XXXX, and mailed regular mail, without tracking in an envelope with Solar Mosaic ( the name of the company ) on the envelope. The letter states we should receive the check in XXXX business days. Still had not received it XXXX weeks later and called the company back. They said to wait a few more days. I asked if there was tracking on it, they said there was not. I called back a few days later, as I had still not received anything. on XX/XX/XXXX They issued another check, canceling the previous check. I asked if they had sent it with tracking this time, they said they had not. So again XXXX weeks later or so, I called the company back because I had not received anything. Each time I called the company, they verified my mailing address. They said to wait a few more days ( again ). Which I did. I called back on XX/XX/XXXX because I still had not received anything. I asked if they could re-issue a check and do direct deposit or registered mail or some type of tracking on it. They said they could not. I asked to speak to a supervisor, they said the supervisor would say the same thing. I asked to speak to one anyway. They said no supervisors were available, but they would call me back tomorrow. No one ever called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the {$100.00} referral bonus that I qualified for but have not received. 

When I signed up for Current, I used a referral code that clearly stated I would receive a {$100.00} bonus after completing a qualifying direct deposit of {$200.00} or more. On XX/XX/XXXX, I completed this requirement by receiving a direct deposit greater than {$200.00}. 

Despite meeting the stated terms, I have not received the {$100.00} referral bonus. I reached out to customer service regarding this matter, but my request was denied without valid justification. This is unacceptable, as I have fully satisfied the promotional requirements outlined at the time of enrollment. 

I am requesting that my account be credited with the {$100.00} referral bonus as promised. If this issue is not resolved promptly, I will have no choice but to escalate my complaint to consumer protection agencies and financial regulators. 

I trust Current will honor its promotional commitments and resolve this matter quickly. 

Thank you for your attention. 


Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Transunion and Equifax XXXX XXXX for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) concerning the reporting of a bankruptcy account that is inaccurate, incomplete, and fraudulent. 

Details of Violations : 15 U.S.C. 1681e ( b ) Accuracy Requirements Experian is reporting a bankruptcy with incorrect and incomplete information, including an error in my name. 

The reporting is not based on the maximum possible accuracy standard required by law.

15 U.S.C. 1681b Permissible Purpose The alleged furnisher of this bankruptcy has confirmed they do not report to the credit bureaus. 

This means Experian, Transunion and Equifax has no legal basis or permissible purpose to continue reporting this account. 

Maintaining this entry constitutes fraudulent and unauthorized reporting.

15 U.S.C. 1681i Failure to Reinvestigate I previously disputed this account with Experian, Transunion and Equifax, demanding a reinvestigation.

Experian, Transunion and Equifax failed to properly investigate and continued to report the inaccurate bankruptcy. 

This violates my rights under the FCRA and places me at risk of fraud and financial harm. 

Harm Suffered : By reporting false and incomplete information, Experian, Transunion and Equifax is damaging my creditworthiness and exposing me to potential fraud. 

This false bankruptcy reporting has caused emotional distress, increased risk of identity theft, and interference with my ability to obtain credit and housing. 

Requested Resolution : I am requesting that the CFPB : Compel Experian, Transunion and Equifax to immediately delete the inaccurate bankruptcy from my credit file. 

Require Experian, Transunion and Equifax to provide documentation of their verification process, including the source of the bankruptcy entry. 

Investigate Experian, Transunion and Equifax for willful noncompliance and consider penalties under 15 U.S.C. 1681n.

Ensure I am provided a corrected copy of my Experian, Transunion and Equifax credit report. 

Supporting Evidence : Correspondence showing the alleged furnisher does not report to the credit bureaus. 

Evidence of incorrect personal identifiers ( wrong name ). 

Declaration : I affirm under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.

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 2025-10-02 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
Request for Permanent Deletion of XXXX XXXX, Account No. XXXX To Whom It May Concern : I am formally disputing the account appearing on my TransUnion credit report from XXXX XXXX, Account No. XXXX, reported on XX/XX/year>. This account is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure maximum possible accuracy in the information you report. This account contains reporting errors including, but not limited to, inconsistencies in balance, payment history, and account status, as well as a lack of verifiable proof of contractual obligation. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], you must conduct a reasonable reinvestigation within 30 days of receiving this dispute. If the furnisher of this data can not provide documented, written proof that I am legally responsible for this account, it must be immediately and permanently deleted from my credit report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits any data furnisher from reporting information they know or should know is inaccurate. Any continued reporting of this unverifiable account after receipt of this dispute will be treated as a willful violation, subject to statutory damages under FCRA 616617. If you fail to comply, I will escalate this matter.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I've received several fraudulent invoices from PayPal for XXXX, XXXX, XXXX XXXX, XXXX, XXXX, bitcoin and others. I've complained several times and requested information about these charges but PayPal doesn't seem to care and hasn't helped at all. The damages are now in the thousands of dollars. I requested refund for the fraud and they refused. I filed several complaints with the Massachusetts attorney General and am waiting for their response. Someone at that office suggested I file with you as well. I'm XXXX and XXXX so I really don't need this stress and financial peril because of PayPal and their refusal to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
Subject : Request for Records of Consumer Dispute FCRA 609 / 611 Dear TransUnionXXXXXXXX XXXX XXXX , I am formally requesting copies of all records related to my consumer file, including but not limited to : Any consumer disputes ( by phone, online, or mail ) that I initiated regarding a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I'm specifically requesting the records from XX/XX/XXXX through XX/XX/XXXX Under the FCRA and CFPB rules, TransUnion is required to keep records of disputes ( even by phone ). 

Internal notes, investigation results, correspondence, and communications with XXXX in connection with my dispute ( s ) Any documents furnished to or received from XXXX XXXX XXXX in connection with this matter This request is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ). Please provide all responsive records within the required statutory timeframe.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Complaint against Robinhood Misrepresentation of Regulation XXXX rights, premature liquidation, and obstruction of retirement fund access To Whom It May Concern : I am submitting this complaint against Robinhood ( Case ID XXXX ) regarding violations of the Electronic Fund Transfer Act ( Regulation E ), unfair/deceptive practices, and obstruction of access to my retirement account.

1. Misrepresentation of Provisional Credits Robinhood is mischaracterizing Regulation E provisional credits as courtesy credits in an effort to avoid compliance.

2. Premature and Selective Liquidation Before completing any investigation, Robinhood liquidated my individual brokerage account. Regulation E requires a good-faith investigation before final resolution. This premature liquidation prejudiced the outcome, deprived me of account access, and caused financial harm. The fact that Robinhood targeted my brokerage account first ( before addressing my Roth IRA ) raises additional concerns about selective enforcement and retaliation.

3. Failure to Provide Transparency in Account Closure Robinhood refuses to provide a substantive reason for the closure, citing only boilerplate language.

4. Obstruction of Retirement Account Access Robinhood is requiring me to either liquidate my Roth IRA ( risking tax penalties ) or pay a {$100.00} ACAT transfer fee, despite the fact that the closure was their unilateral decision.

Requested Relief Cease mislabeling credits.

Acknowledge that premature liquidation violated Reg E.

Provide a substantive closure explanation.

Waive IRA transfer fees and ensure penalty-free access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am supplementing my pending CFPB complaint against Experian regarding the fraudulent XXXX Card account # XXXX that was improperly reinserted into my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Experian had XXXX forward me several mail correspondence of the account billing statements ( evidence attached to this complaint ) in response to my lawful request for the furnishers certification and additional valid documentation. These billing statements do not satisfy the FCRAs reinsertion requirements. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian is required to : 1 ) Obtain a certification from the furnisher ( XXXX XXXX ) that the account is accurate and not the result of fraud, before reinserting the account. 2 ) Provide me with a mailed written notice within five business days of any reinsertion, containing a statement that the disputed information has been reinserted, the business name, address, and telephone number of the furnisher and notice of my right to add a statement of dispute. Experian has failed to comply with both requirements. The account statements forwarded to me are merely historical billing records and are not a certification from the furnisher as required under 1681i ( a ) ( 5 ) ( B ) ( i ). These records in no way prove accuracy or disprove fraud and I never received the mandatory written reinsertion notice within five business days of the reinsertion, as required under 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally, Experian has never addressed my original requests made in this complaint for documentation of the blocking and deletion process they initially performed, formal communication between the furnisher XXXX  Card and Experian confirming accuracy and valid documentation that Experian relied upon and the basis for their determination when they later improperly reinserted the fraudulent XXXX Card account. Instead of answering these requests through the CFPB portal as required, Experian has ignored them and attempted to substitute irrelevant documentation with the account billing statements. This is not compliance. Experians failure to address my original requests, combined with its substitution of irrelevant billing statements for the required certification, is misleading, obstructive, and demonstrates willful noncompliance with the FCRA. These violations have caused me continuous financial harm by keeping this fraudulent information on my credit report. I reserve the right to pursue legal action if Experian continues to fail to meet its statutory obligations.

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