vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, the TransUnion, Experian, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, Inaccurate, and false Information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX, and an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, Auto loan at XXXX XXXX opened XX/XX/XXXX, A loan at XXXX in for {$46.00} account number XXXX, XXXX XXXX XXXX  XXXX account number XXXX opened XXXX XXXX XXXX many other accounts that I have attached below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-01 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 XX/XX/XXXX This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, the TransUnion, Experian, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, Inaccurate, and false Information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX, and an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, Auto loan at XXXX XXXX opened XX/XX/XXXX, A loan at XXXX in for {$46.00} account number XXXX, XXXX XXXX XXXX  XXXX account number XXXX opened XXXX XXXX XXXX many other accounts that I have attached below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for continuing to report two derogatory XXXX XXXX and XXXX XXXX were legally included and discharged in my bankruptcy. Although Experian has already deleted the bankruptcy from my credit file, they are unlawfully continuing to list these accounts as charge-offs, which misrepresents the legal status of these debts and violates the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), 1681i ( a ), and 1681c ( a ). I have provided documentation including a deletion letter from TransUnion, a non-reporting statement from the Bankruptcy XXXX, and a dispute notice sent to Experian requesting deletion and full verification. XXXX failure to act or verify this information properly is causing ongoing credit harm.

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 2025-08-01 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: Maximus Federal Services, Inc.
State: PR

Complaint narrative:
I am reporting inaccurate credit reporting related to my federal student loans with Aidvantage. My loans are under an approved Income-Driven Repayment ( IDR ) plan with XXXX XXXX  monthly payments. 

Although my IDR plan was approved on XX/XX/year>XXXX XXXX continues to report that I was 30, 60, and 90 days late on payments from XXXX through XX/XX/year>. These late payment marks are incorrect. I was in the process of applying for the IDR plan prior to XXXX and was not required to make payments during that time. 

I filed a dispute with XXXX but the payment history has not been corrected. I also sent documentation and a request for correction to Aidvantage, but they have not provided a resolution or issued a retroactive correction to the credit bureaus. 

This inaccurate reporting has significantly damaged my credit score. I am requesting that the late payment marks be removed and my payment history be updated to reflect my actual repayment status under the IDR plan.

Supporting documentation has been attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX  EST, {$9.00} taken from my account while charging for two meals from XXXX. 

One didnt go through, even though it was taken out of my CashApp wallet and it was stolen from me without processing it the food would be delivered. 

I had seen that during the paying process, I was charged for the full amount of both items, and XXXX item got delivered to me anyways. 

I want a refund and have already made certain that CashApp does return this and investigate the matter promptly. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts, and their presence on my credit report is entirely unacceptable. This constitutes inaccurate and misleading information about my financial history. 

I take the integrity of my credit profile very seriously. The appearance of these unauthorized accounts is a significant concern, and I require immediate clarification regarding how they were linked to my name and who is responsible for reporting them.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I used my personal bank account to transfer money to https : //robinhood.com. After I deposited money into Robinhood, they restricted my transactions and prevented me from withdrawing money.

I'm a new user and I don't understand what you're doing.

1. You've restricted my account trading. 
2. I've submitted my ID and facial recognition information as requested.

3. You're not allowing me to trade and are restricting my ability to withdraw funds to my account. 
I hope you can remove the restrictions and return my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dispute of Unverified Collection Account XXXX XXXX XXXX ( Account # XXXX ) Reported by Equifax I am disputing a collection account reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX to Equifax, with the account number ending in XXXX XXXX XXXX XXXX XXXX I submitted a dispute to Equifax in accordance with the Fair Credit Reporting Act ( FCRA 1681i ), requesting that they verify or remove the account. I also contacted XXXX XXXX XXXX directly and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ). To date : Equifax has not provided proper verification of the account. XXXX XXXX XXXX failed to provide full debt validation, including original creditor details and supporting documentation. Under federal law, this account must be removed if it can not be verified. - Violations of Consumer Law : FCRA 1681i ( a ) ( 5 ) : Requires deletion of information that can not be verified. FCRA 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes received from a CRA. FDCPA 1692g ( b ) : Requires debt collectors to cease reporting if they can not validate the debt. This unverified collection account continues to negatively affect my credit standing, resulting in lower scores and obstacles to obtaining housing, loans, and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified account being reported by Portfolio Recovery Associates on my credit report. Despite my formal dispute to the credit bureaus under 15 U.S.C. 1681i ( a ), this company continues to report the account without providing any valid verification.

Violations : 15 U.S.C. 1681e ( b ) : Furnisher failed to ensure maximum accuracy.

15 U.S.C. 1681s-2 ( b ) : Furnisher failed to reasonably investigate my dispute after notice from the CRAs.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Unverified information must be deleted.

UCC 3-501 & 3-505 : No original signed contract or proof of ownership was provided to establish the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
my Address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX Missouri XXXX this should be the only address on my credit, I do not or have not lived at anyone else 's address. I have tried to have them removed and they are still showing active on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am resubmitting a complaint against Portfolio Recovery Associates ( PRA ) for ongoing and escalating violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), following their failure to verify or correct previously disputed information.

Despite my formal dispute, PRA continues to report multiple tradelines with : Invalid, inconsistent, and unverifiable dates, acknowledged in XXXX dispute comments as Invalid date repeated over and over. 
No mailed response or validation of any kind in accordance with FCRA 611 and 623 ( b ), despite a reinvestigation being marked as completed in XX/XX/year>. 
False XXXX days past due flags ( see uploaded evidence ), even while the account is under active dispute a violation of both FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ).

Improper use of the debt purchase date instead of the original date of delinquency, which results in unlawful re-aging of the account. 

Portfolio has never provided documentation, notices, or validation, even after multiple CFPB complaints and certified mailed disputes. This behavior not only violates my rights under the FCRA but also appears to be a willful attempt to misrepresent the legal status and age of the debt.

I demand immediate removal of all PRA tradelines across all bureaus, in accordance with FCRA 611 ( a ) ( 5 ) ( A ), due to their repeated failure to verify or provide evidence within the 30-day timeline. Continued furnishing of inaccurate data must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
{$1000.00} XX/XX/year> account number : XXXX The company reported this on my credit unlawfully

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
{$1000.00} XX/XX/year> account number : XXXX The company reported this on my credit unlawfully

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-01 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: CA

Complaint narrative:
I am a victim of identity theft, and TransUnion is reporting fraudulent accounts on my credit file that I did not open or authorize. I submitted a formal dispute along with my FTC Identity Theft Report, a government-issued ID, proof of address, and a detailed list of the fraudulent accounts. 
Despite receiving all necessary documentation, TransUnion has failed to remove these accounts from my credit report. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which provides consumers the right to block identity theft-related information from their credit files.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my consumer credit reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. The payment history is inaccurate as it doesn't show XXXX  days late just starting at XXXX  days late. Also it says first report of delinquency as XXXX, but XXXX shows XXXX  days past due. I have never missed a payment on the following account. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, if unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am demanding urgent intervention against Bank of America , N.A . for mishandling multiple fraud claims totaling {$17000.00}. They failed to issue provisional credits, reopened and closed claims without my consent, blocked me from submitting evidence, and closed my account during unresolved disputes. These violations of Regulation E ( 12 CFR 1005.11 ) are egregious.

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 2025-08-01 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-01 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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