vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that  has unlawfully accessed and disseminated (XXXX), (XXXX), (XXXX) my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have been harassed by this collection agency for a year now since XX/XX/XXXX. First they sent me a medical bill for {$640.00}, and after multiple back and forth letters, they confirmed that the debt belonged to some XXXX XXXX. 
In XXXX of this year, they sent me another medical bill for {$950.00}. I have submitted a dispute letter in XX/XX/XXXX to which I never got a response. 
I have requested to submit an original bill from the medical facility. I asked to verify the billing address for the alleged debt as it is unclear where they found my personal information. I have requested to provide an original agreement bearing my signature stating that I agreed to assume this alleged debt or any proof that I have any legal obligations to pay this alleged debt to this collection agency. 
The transaction copy that they provided does not verify that this alleged debt belongs to me. It looks like something that was photoshopped on a computer. It does not have a full name and it is clearly a case of mistaken identity as they have addressed me by the wrong name in both collection bills and later admitted that the debt belonged to XXXX XXXX. 
I request a full investigation into this collection agency that is trying to make money off of people by creating fake medical bills and then continues to harass them without proving any proper proof of documentation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Background : I have been a Robinhood customer since XXXX. 

My account has long been verified, with all required documents, tax status, and identity information current. 

My linked bank accounts and debit card have been connected and verified through XXXX  for years. 

Over the course of my relationship with Robinhood, I have deposited and withdrawn well over {$100000.00} without issue.

Issue : On Monday, my account was suddenly flagged for review and restricted after I attempted to withdraw funds to my debit card.

This debit card has been connected to my Robinhood account for years and has been used successfully for past withdrawals.

I received no clear explanation from Robinhood as to why this restriction occurred.

Impact : I am currently traveling and all of my liquid funds are in Robinhood.

The account restriction has left me without access to my own money, including through my debit card.

This has created severe hardship, as I am unable to access funds for basic expenses while traveling.

Attempts to Resolve : I have contacted Robinhood support repeatedly.

Submitted all bank statements and supporting documents, verified selfie and identity/ID/passport.

Each day I am told the matter is being pushed up for review, but there has been no resolution and no timeline provided.

Relief Sought : Immediate restoration of access to my funds.

A clear explanation of why my account was flagged.

Assurance that verified customers with longstanding history are not locked out of their funds without notice, justification, or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding a debt that recently appeared on my credit report, which I had no prior knowledge of until I reviewed my credit file. The debt is being reported and collected by Pro Collect. ( XXXX ). 

Upon contacting Pro Collect to resolve the matter, I attempted to arrange a payment plan. However, I was informed by one of their representatives that the company would only accept payment in full to resolve the account. Partial payments or payment arrangements were explicitly refused. 

This is concerning for several reasons : I had no knowledge of this alleged debt until it appeared on my credit report, which raises questions about whether proper notice or validation of debt was provided in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

By refusing to allow reasonable payment arrangements, XXXX XXXX is creating an undue burden on consumers such as myself. I recently returned to work and do not currently have the financial ability to pay this debt in full. I want to make good-faith efforts to resolve the matter, but their refusal prevents me from doing so. 

I am concerned this practice may violate consumer protection laws by unfairly pressuring consumers into paying debts in a manner that is not feasible. 

I respectfully request the CFPB to investigate whether XXXX XXXX has complied with all legal requirements under the FDCPA and Fair Credit Reporting Act ( FCRA ), and to ensure that I am provided with proper documentation and a fair opportunity to resolve this account. 

Thank you for your attention to this matter. I am eager to resolve this debt responsibly, but I believe the collection practices being used in my case are unreasonable and potentially unlawful.

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 2025-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have a six year history with Freedom Mortgage and in that time have never had a late payment, I have complied with every XXXX of their requests or requirements and have been an extremely good borrower. 

I recently decided to purchase a new home and applied to Freedom Mortgage for a new loan. I provided all information that was requested and received a preliminary approval. The housing market has been difficult and as issues arose I called my " loan representative '' a number of times but he was " always on another call '' and would call me right back. He never did.

I received a Statement of Credit Denial, Termination or Change which indicated that my loan was " Denied. '' None of the required information, i.e. Consumer Reporting Agency used, Credit Score, adverse information, etc. was indicated on the letter.

I have very good credit and am concerned that this information will be reported as a derogatory comment on my credit information.

I have made a number of calls to Freedom Mortgage and as is typical have received no response or call back.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN. 

Sometimes XXXX XXXX XX/XX/XXXX I applied for a CAPITAL ONE CREDIT CARD, which amount was {$300.00} which I was using until XX/XX/XXXX or so, unfortunately I ran into financial problems so I was unable to pay for sometime which made CAPITAL ONE to close the card fast forward to XXXX I got a message form the bank offering discount on the existing debts which was about {$170.00} to be precise for three months which I PAID and they even sent me a letter saying THANK YOU. but since then I have been trying to apply for credit cards from various organizations but no good deed. All keep denying me so I called CAPITAL ONE to ask and they told me they have no issues with me. so please how can I rectify this ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Marcus Goldman claimed their was fraud on my account. I verified all of my security information and the last 12 transactions which were all interest deposit initiated by them. After speaking to 3 different people, they finally tell me my account was closed by them and I had to file a written dispute to receive my funds back. This would take 7-10 days. 
this account has been open several years and had a balance close to {$25000.00} and due to their error I can not access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau, I am writing to formally dispute the following inaccurate and derogatory information that appears on my credit report. 
Please investigate these accounts and either verify their complete accuracy or remove them from my credit profile as required under FCRA Sections 609 and 611.

1. XXXX XXXX XXXX XXXX {$5400.00} 2. XXXX XXXX  XXXX XXXX Account shows a 30-day late payment reported in XX/XX/XXXX. 

These accounts are having a significant negative impact on my creditworthiness, and I am requesting that they be thoroughly verified for accuracy. If they can not be 100 % verified, please delete them from my credit report. 
Thank you for your prompt attention to this matter. Please provide me with written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Avant Holding Company, Inc.
State: DE

Complaint narrative:
Good evening, I was on XXXX XXXX with work, in the hospital, and under a lot of medical and financial distress. I was in a financial hardship. I always pay on time and due to this situation, I was of course getting paid much less and in the hospital very ill. When I got myself better and back to work, I made sure to handle my balances in full and I remained current paying on time and most of the time in full every month. It's been 3 years and the creditors refuse to help me. Avant has no idea how to guide me and refuse to give proper direction and XXXX XXXX XXXX waited until I paid my agreement in full to post 8 late payments when I was not late in this program with them. The credit bureaus can not help other then dispute and it comes back as accurate it's effecting my way of buying a home and giving me a hard time to get accepted for offers I deserve. I've spent 10 years building my credit reporting history. I am a XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX, and XXXX. I have proof of being on leave and sick within this timeframe and it's haunting me neither the creditors or the credit bureaus are able to help and this needs to be raised of concern. This is unfair to people who are proactive on their balances and payments due. There's got to be another way to get this stopped. It is unfair people with health conditions and very ill have to deal with something simple like this for years and years with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their ongoing mismanagement of my account, inaccurate credit reporting, and failure to resolve fraudulent transactions and unauthorized insurance charges despite multiple requests. Their conduct has caused significant financial harm, including derogatory marks on my credit report, increased debt load, and denial of credit opportunities. On XX/XX/year>, XXXX charged me for add-on products including a XXXX XXXX fee ( {$190.00} ) and XXXX  XXXX  XXXX under the Bronze Plan without my informed consent I never knowingly agreed to, nor authorized, these additional products. They were presented in fine print and bundled with the original jewelry purchase. Statements show recurring finance charges, late fees, and insurance fees that appear to be compounding without proper validation. Despite timely objections, XXXX has failed to correct these billing errors or provide a lawful validation of the debt as required under the Fair Credit Billing Act ( FCBA ). XXXX has continued to report this disputed account to Experian, TransUnion, and Equifax, despite my written disputes. This inaccurate reporting is in violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ), which obligates furnishers to investigate and correct disputed information.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their ongoing mismanagement of my account, inaccurate credit reporting, and failure to resolve fraudulent transactions and unauthorized insurance charges despite multiple requests. Their conduct has caused significant financial harm, including derogatory marks on my credit report, increased debt load, and denial of credit opportunities. On XX/XX/year>, XXXX charged me for add-on products including a XXXX XXXX fee ( {$190.00} ) and XXXX  XXXX  XXXX under the Bronze Plan without my informed consent I never knowingly agreed to, nor authorized, these additional products. They were presented in fine print and bundled with the original jewelry purchase. Statements show recurring finance charges, late fees, and insurance fees that appear to be compounding without proper validation. Despite timely objections, XXXX has failed to correct these billing errors or provide a lawful validation of the debt as required under the Fair Credit Billing Act ( FCBA ). XXXX has continued to report this disputed account to Experian, TransUnion, and Equifax, despite my written disputes. This inaccurate reporting is in violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ), which obligates furnishers to investigate and correct disputed information.

Company response to consumer: Closed with non-monetary relief