vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I opened a checking account with e-trade so that I could deposit a check that my parents wrote me for {$XXXX}. The account was opened on XX/XX/2025 and I used the check to fund my account. I used their mobile check deposit on XX/XX/2025, knowing it wouldn't be deposited until XX/XX/2025. On XX/XX/2025 I received notification from XXXX that the check deposit was completed and would be available pending standard check clearing time of XXXX business days. On XX/XX/2025 e-trade notified me that due to unusual activity on my account some features weren't available for use. I called on XX/XX/2025 and was told my account was restricted because they needed to verify the check with my parents bank. They did a XXXX way call with my parents and their bank, XXXX XXXX Bank but XXXX wouldn't verify personal checks to a XXXX party over the phone. Etrade then told my parents that they needed to send a letter, a copy of their id, and a copy of their bank statement in order to release the funds. My parents would not do that as no other bank has ever required that. The funds however have already been withdrawn from my parents bank. I went to an XXXX XXXXXXXX XXXX  XXXX and XXXX of their agents called my dad and got verification that the check was valid so we called etrade but they weren't able to help us. So the XXXX XXXX XXXX  rep sent me an email stating that she spoke to my dad and the info on the check is correct. The email also included her name, her phone number at the branch, the XXXX XXXX XXXX  signature as well as her XXXX  number. Included was also a copy of the check showing that XXXX processed the check. This was on XXXX letterhead with my parents account information. I then uploaded these documents to my etrade account app hoping that will be enough to get them to release the funds. But they said without verification the funds will not be available to me for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
I spoke to a representative at credit bureaus and I mailed letters of dispute and they did not conduct a thorough investigation but claimed they did and that the debts were verified without providing lawful proof. This is pertaining to XXXX, Equifax, and XXXX. They all responded in the same unsatisfactory manner. I NEVER gave consent to have any of my information published.

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 2025-03-06 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: MO

Complaint narrative:
I spoke to a representative at credit bureaus and I mailed letters of dispute and they did not conduct a thorough investigation but claimed they did and that the debts were verified without providing lawful proof. This is pertaining to XXXX, Equifax, and XXXX. They all responded in the same unsatisfactory manner. I NEVER gave consent to have any of my information published.

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 2025-03-06 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I can access my Discover checking and saving account until XXXX XXXX  on XX/XX/year>. I received emails from Discover Bank on XX/XX/year> at XXXX and stated my Discover checking and saving account were closed due to business reason. 

I didn't do any unusually transaction and I called customer service several times, but they couldn't see any reason why my accounts were closed. 

I have over {$1000.00} in my checking and saving account, and I used Discover XXXX XXXX pay to pay XXXX  fee {$300.00}, the check was delivered, but not XXXX cashed. If they cash the check tomorrow, the check will be bounced back, and I need pay the late fee and check return fee. 

I didn't do anything wrong and please keep my Discover checking and saving account open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed outdated addresses with Experian, and they removed XXXX but left XXXX, claiming its tied to accounts. However, when I contacted the creditors, they stated they have no record of any accounts under my Social Security number. 
Since these accounts are unverifiable and past the seven-year reporting limit, both the accounts and the outdated address should be removed. Experian is violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information. 
I request that Experian : Remove the remaining outdated address. Delete any unverifiable accounts. Provide written confirmation of these deletions. I ask the CFPB to intervene to ensure compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
I am filing a complaint against TransUnion failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation, These are the account i mark inaccurate. 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
There are inquiries on my credit report that I didnt make about XXXX of them and there is currently XXXXXXXX XXXX in my name that I do not know about and its not me and I just got in the mail today something from XXXX XXXXXXXX saying that a platinum secured card with a balance of XXXX XXXXXXXX XXXX was sold or transferred to portfolio recovery associates , LLC XXXX XXXX XXXX, XXXX VA XXXX. It says portfolio recovery associates LLC is now the owner of your account and is responsible for collecting future payments and answering questions you might have they might contact you about your account directly through a representative since your account has been sold please do not send future payments to XXXX XXXXXXXX and I never had a XXXX XXXX credit card nor did I have any knowledge about this and theres apartments in my name. My credit score keeps going up and down down for the most part Im currently at like a XXXX but I never use my credit before and I also have hospital bills and I dont go to the hospital at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
There are inquiries on my credit report that I didnt make about XXXX of them and there is currently XXXX apartments in my name that I do not know about and its not me and I just got in the mail today something from XXXX XXXXXXXX saying that a platinum secured card with a balance of XXXX XXXXXXXX XXXX was sold or transferred to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. It says XXXX XXXX XXXX XXXX is now the owner of your account and is responsible for collecting future payments and answering questions you might have they might contact you about your account directly through a representative since your account has been sold please do not send future payments to XXXX XXXXXXXX and I never had a XXXX XXXX XXXX XXXX nor did I have any knowledge about this and theres apartments in my name. My credit XXXX keeps going up and down down for the most part Im currently at like a XXXX but I never use my credit before and I also have hospital bills and I dont go to the hospital at all

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 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
I received a large packet of letters from Harris & Harris of Illinois , Ltd. Enclosed were legal size letters with a detachable bill payment ticket. The amounts totaled XXXX. 

I contacted the agency by phone. They stated my bill was $ {$2000.00} and offered me an immediate settlement amount of {$1400.00}. It seemed suspect so I told them I would think about it. 

No other communication has been received. I have received lots of bills before but never anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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. This fraudulent, inaccurate, and false information consists of : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
I noticed a collection on my credit and disputed it. They replied with it meeting all required requirements. I responded to their email asking them for relevant information ; contracts with signature, debt verification, payment history, court paperwork from judgement that was filed and awarded without my knowledge, receipt of papers being served to me ( which never happened ) I was in the military during the time. Through the SCRA I was a protected military member from this. I was not aware of the debt or a judgement filed and awarded without my knowledge. I reached out to the company that's handling the debt now ( not the original debtor ) to remove or provide any evidence and only thing provided was a screenshot of the virginia court system judgement. Further emails saying I had XXXX arguments and XXXX rights and I am not entitled to dispute or get anything from them. Then they stated that they would be filling with the sheriff office to begin execution. I need help on this matter as I have been completely transparent with them in getting the information I asked for. This was a supposed debt from XXXX and has been transferred to different companies to claim.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/year> i did not make my minimum payment to care credit and was charged a late fee. I requested to have the late fee forgiven and was approved and instructed it would be reflected in my next statement. I followed up with Care Credit online chat to make sure that I was not needing to pay the waived late fee for that month. They said yes. I asked I do not need to pay this and then have it refunded they confirmed. 

By XX/XX/year> I had paid my minimum minus the waived late fee because that is what I was instructed to do. When my next statement came out I was charged another late fee. I called Care Credit customer service to find out what happened. I was then instructed that the late fee forgiveness applies to the principal balance not the minimum payment. I contacted customer service again to address the fact that their employee was responsible for that portion of the bill not being paid and to see if they would do the right thing and waive the fee again. They said that because I had the previous months fee waived I couldn't again have it waived. I pushed further and stated so because your employee told me false information I am being penalized. The agent stated that maybe the employee was misinformed, again causing me to be penalized. 

I have now talked to 3 representatives about this issue and have been told the same thing each time- there's nothing we can do.

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 monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app does not have agents to help when needed my cashapp is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Account # : XXXX - Balance : {$5600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief