vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

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 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
Hello CFPB. 
In the months of XXXX and XX/XX/XXXX, I really have tried to get my student loan debts Forgiven or Cancelled due to Undue Economic Hardship. I also tried to get the student loan debt removed from my credit reports.

My student loan debt will be XXXX XXXX XXXX as of XX/XX/XXXX. I'm not able to pay the monthly payment as planned because I don't have a job. I'm currently in Forbearance and hoping that the Dept. of Education Forgive and Cancel all of my Student Loans.

For the past 19 years up until today of me having this student loan debt still showing on all of my credit reports for over {$220000.00}, I have been unable to secure full time employment, purchase a new or a used car, get a personal loan, get a mortgage loan, get a credit card, or get ANY kind of loan due to the debt to income ratios being well over 45 %! 

It's so XXXX stressful, discriminating, and harassing that I am still unable to fulfill my lifelong dreams of homeownership, purchasing my dream car, having high limit credit cards, and more! 

I just want my student loans forgiven/ cancelled and removed off of all my credit. reports immediately!

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank blocked access to my personal bank account without giving a clear reason. I was told to wait for a verification code by mail but was not given any specific date for when the letter was sent, what triggered the block, or how long I should expect to wait. I have contacted them multiple times and only receive vague responses. 

This restriction is preventing me from accessing my own funds and is causing severe disruption. I have not received any notice of fraud, regulatory action, or specific violation that would justify this freeze. 

What I want Citibank to do : Provide a clear written explanation for the account hold Confirm when the verification code was mailed and what address it was sent to Release my funds or restore access to my account as soon as possible Your Contact Info : Full Name : XXXX XXXX XXXX : XXXX Email : 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 2025-07-31 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: ID Analytics, Inc.
State: NV

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the presence of unauthorized hard inquiries and fraudulent credit and collections accounts on my credit report. Under 15 U.S.C 1681c-2 ( FCRA 608B ). I have the right to request the blocking of information resulting from identity theft. I request that these items be removed according to my FTC report attached to this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am disputing the presence of unauthorized hard inquiries and fraudulent credit and collections accounts on my credit report. Under 15 U.S.C 1681c-2 ( FCRA 608B ). I have the right to request the blocking of information resulting from identity theft. I request that these items be removed according to my FTC report attached to this claim.

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 2025-07-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-07-31 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I am reporting that my identity was fraudulently used by third-party debt collectors without my authorization. I did not open or authorize any accounts with companies such as XXXX XXXX, XXXX XXXX, XXXX XXXX, or any other debt buyer. These entities accessed and reported on my credit file without a permissible purpose under 15 USC 1681b. They are not original creditors, and I never gave them legal consent or signed any agreement allowing them to collect or report on my credit profile. I have filed an official FTC Identity Theft Report and request immediate investigation and permanent removal of all inaccurate and fraudulent entries associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
Back in XXXX of XXXX  my account with Cashapp was abruptly closed without notice and without proof of the violation the company Claim i made that cause my account to be closed.I was denied the information I requested and was also denied my bank statements. The company then took measures to avoid connecting me to a supervisor/someone in charge that could explain where my funds disappeared and why I was not allowed bank statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On or around XX/XX/year>, Robinhood closed my Individual, Roth IRA, and Traditional IRA accounts without my request. After closure, Robinhood requested address confirmation to issue a check for my Individual Account balance. I provided my full address information over 5 weeks ago, and Robinhood confirmed via email on XX/XX/year> that the check had been processed and would be sent soon. 
However, as of today, I still have not received the check, and no tracking or payment confirmation has been provided. 
Separately, Robinhood confirmed that transfer restrictions on my IRA and Roth IRA accounts had been lifted, and that I could complete ACATS transfers to my new brokerage. When my new broker initiated the process, Robinhood blocked the transfers, directly contradicting their email.

In addition, Robinhood displays a message in their app stating that I must transfer my IRA funds before XX/XX/year> to maintain access creating a false sense of urgency while they are internally obstructing the transfer. 
Robinhood has also restricted my access to in-app customer support, and email responses have taken 5+ business days or longer, showing a clear pattern of deliberate delay and lack of transparency.

I currently have over {$20000.00} across all three accounts, and Robinhood is sitting on my funds for nearly two months after closure with no resolution, no communication, and no accountability. This is causing serious financial stress and appears intentionally obstructive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo Customer Care, I am writing to formally request a review of my past auto loan account in connection with the issues identified in the XXXX  regulatory settlement concerning Wells Fargos auto lending practices. 

I previously had an auto loan through Wells Fargo during the time period affected by the settlement. I am concerned that I may have been subject to some of the issues noted by regulatorssuch as improper fees, misapplied payments, or failure to refund guaranteed asset protection ( GAP ) coverage after early payoff. 

To date, I have not received any communication or reimbursement regarding this matter. I would appreciate it if you could review my account history and determine whether I am eligible for compensation under the settlement agreement. 

Please let me know what documentation or account information you may need from me to proceed with this request. I am happy to provide any details necessary to assist your investigation. 

Thank you for your time and attention to this matter. I look forward to your response.

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 2025-07-31 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: FL

Complaint narrative:
I am a victim of identity theft and request the removal of unauthorized accounts and inquiries from my credit report under Section 605B of the Fair Credit Reporting Act. 

Attached are a list of the disputed items and my FTC Identity Theft Report. Please investigate and confirm once the items are 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 2025-07-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this formal dispute regarding multiple inquiries that appear on my credit report. These inquiries violate my federally protected consumer rights to privacy, confidentiality, and accurate reporting, as outlined under the following legal provisions : 15 U.S.C. 1681, Section 602 ( a ) : Establishes that every consumer has the right to privacy and the confidentiality of their personal information.

15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) : States that a consumer reporting agency may not furnish a credit report or information without the consumers written instruction or authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting of adverse information ( other than criminal convictions ) that predates the report by more than XXXX years. 

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

After carefully reviewing my credit file, I confirm that I only recognize and authorize the following inquiries : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian All other inquiries currently appearing in my credit report were not authorized by me and were made without my permission. These entries represent violations of my rights under federal law. I am requesting that these unrecognized and unauthorized inquiries be removed immediately from my credit report. 

Please investigate this matter promptly and provide me with written confirmation of the results and any actions taken within the timeframe allowed by the FCRA.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After filing a dispute, the credit bureau stated the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no documentation, and failed to explain how the verification was conducted. This is not a reasonable investigation under the FCRA, and it violates the intent of FCRA 602 ( A ) and 611. 
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

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 2025-07-31 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: MS

Complaint narrative:
After filing a dispute, the credit bureau stated the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no documentation, and failed to explain how the verification was conducted. This is not a reasonable investigation under the FCRA, and it violates the intent of FCRA 602 ( A ) and 611. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-31 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: IL

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove address that are inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX ALSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I AM ALSO ASKING FOR A 1099 C FOR ALL COLLECTIONS

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 2025-07-31 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest continues to report a tradeline with multiple derogatory late marks despite being made aware of my documented medical hardship. In XX/XX/XXXX, I was involved in a serious accident with a commercial tractor trailer and have been in ongoing recovery since. I submitted a General Release of Liability confirming the extent of my injuries, long-term rehabilitation, and medical impairment. 

Despite this, Bridgecrest reported late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and has refused to acknowledge or consider the medical documentation I provided. They falsely stated in a prior CFPB response that no hardship was disclosed, even though I made good-faith efforts to communicate my condition and request assistance. 

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), furnishers have a duty to conduct a reasonable investigation and not report data that is incomplete or materially misleading. Reporting a derogatory mark during a period of verified medical incapacitywhile ignoring my documentationmeets that threshold. Their investigation was neither reasonable nor complete. 

This account is less than one year old, with a 70 % on-time record and multiple recent delinquencies. It is doing more harm than good to my credit profile. Given Bridgecrests failure to meet its FCRA obligations, I am requesting complete deletion of the tradeline from my credit reports. 

Additionally, I was involved in a second accident in XX/XX/XXXX, which further compounded my medical hardship and recovery timeline. I have attached documentation from XXXX XXXX XXXX XXXX XXXXXXXX confirming XXXX  related to this second incident.

Company response to consumer: Closed with explanation