vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MA

Complaint narrative:
My card expired at the end of XX/XX/year> and I wasn't aware of this. They had an old address that they sent the new card to, which I never received. Upon calling in to update my information I provided SSN, DOB, address. They said they needed to send a text. I gave them my phone number and they said that's an internet line ( it's not, it's a regular cell phone line paid for by my son in law on his phone plan ). They asked for an alternative number to send the text to, I gave them my daughter 's number, they said that number isn't on my account. I gave them my son in law 's number, they said that number isn't on the account. Then they said since they couldn't verify me that I had to send a picture of my driver license to an email with my name and a case number. I sent it from my son in law 's email address on XX/XX/year>. We did not hear any response. He sent a follow up email on my behalf on XX/XX/year> with no response. I sent a notarized letter to the address listed on their website requesting they update my address and issue a cashier 's check for all funds in the account, and send it to my current address. I did not receive any response. I had my son in law call again today XX/XX/year> and they said they never received the email. He verified that he had included my name, type of ID, and case # in the email when he sent it. They later informed him that the only thing in the subject line should be the words ID VERIFICATION, and that the other information should be entered in the body of the email. They said he would receive an email immediately confirming receipt of the email once sent again. He did not receive the confirmation email yet again. When he checked the physical mail today, I received the annual notice from Comerica Bank, sent to my current address. This means that my notarized letter was received because that's the only way they would have my new address. After realizing that my address has been updated in the system, I called US Direct Express again to request a new card be issued. They transferred me and then said they require the ID VERIFICATION email and that they can't send a new card to the address on file. It has been almost 3 months and I still don't have access to my money from XXXX. Agents are unhelpful and say that the only way I can get my money is through the ID VERIFICATION email, but then they say they don't receive it after it has been sent multiple times. The agent said that we would get an immediate confirmation email ( which we haven't ) and that we would later get a second email either approving or denying the identification and that once the second email is sent that I only have 5 days to call them or the process will have to start over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
No notice of collections account was given after request and is required under the FDCPA rule 1692g. I was also hoping that there would be a consideration for a goodwill deletion due to financial hardship. I do not have access to the full account number because I never received a collection notice or any form of debt validation. I just saw that this was reported to my credit report, after checking it this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX - XX/XX/XXXX - {$6000.00} XXXXXXXX XXXX - XX/XX/XXXX - {$4800.00} XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XX/XX/XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I want to make clear this complaint is not submitted in error. My credit report contains multiple inaccuracies that do not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). These errors are causing me significant distress and are continuing to negatively affect my financial standing during an already difficult time. It would be a tremendous help if these inaccuracies were corrected or 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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I dont have access to my funds, i cant transfer money out of the account and i was not given any reason for that error. Anytime i attempt an external transfer, I get an error message ( Something went wrong )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Portfolio Recovery Associates -claim # XXXX in which they responded on XX/XX/XXXX with the following response : Company 's Response Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( PRA ) investigated the complaint and verified the accuracy of the information regarding the PRA account ending in XXXX and the garnishment or other liens related thereto. XXXX XXXX XXXX XXXX XXXX filed suit on or about XX/XX/XXXX. Correspondence and court records reflect that the consumer was properly notified of the proceedings. Judgment on the account was obtained in the XXXX XXXX XXXX, XXXX XXXX, Florida with the case number XXXX. XXXX, XXXX sought to enforce that judgment on the XXXX account ending in XXXX with the garnishment or imposition of other liens. We believe that no further steps in response to the complaint or follow-up actions are required at this time. 

On XX/XX/XXXX during the following time frame XXXX XXXX pm I spoke with XXXX employee XXXXXXXX XXXX XXXX concerning XXXX letter received from them for the account ending in XXXX after verifying the account she informed the in fact DO NOT OWN THIS ACCOUNT, they are a debt collection agency who was hired by PRA to attempt to collect this debt. They are a third party to a third party- they are merely services for PRA do not handle dispute matters only collection.

PRA stated above XXXX sought to enforce the judgment against me when they claim they do not own the debt in which they would not be able to take any legal action against me. 

XXXX sent deceptive communication claiming I HAD an account with PRA and I should make my check payable to XXXX, XXXX when they in fact have not sent validation of this debt and do not own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, OH XXXX Employer - XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, OH XXXX Employer - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-10-22 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
In XX/XX/2024, I was charged {$87.00} by XXXX XXXX ( XXXX ) that I did not recognize.

Dates/ amounts : Two charges appeared on my credit-card statement on XX/XX/2024, for {$87.00} and {$89.00}. Only one should have been billed for my stay. 

Actions I took : I contacted XXXX customer support immediately. They confirmed that billing disputes must be handled by the hotel, created reference # XXXX, and stated they had forwarded my concern to the hotel for review. 
On follow-up ( XX/XX/2024 ), XXXX told me the hotel had still not responded and advised me to dispute the charge with my credit-card company. 
I then filed a dispute with Robinhood Credit. They temporarily credited the amount, requested documents such as a hotel receiptwhich I do not have because I paid at the front deskand screenshots of my correspondence with XXXX. I provided the full message history showing XXXX  acknowledgment and reference number. 

Outcome : Despite the supporting evidence that XXXX directed me to file a dispute, Robinhood denied the claim, stating not enough evidence, without ever contacting me for clarification before closing the case. The {$87.00} charge was re-applied to my account.

Issue : Robinhood failed to conduct a reasonable investigation before denying my dispute and ignored the documentation I supplied, including official XXXX correspondence confirming the case was under review. Both XXXX and Robinhood have been referring me back and forth without resolution, leaving me charged for an amount I never authorized.

What Im requesting : I ask the CFPB to review this case and require Robinhood Credit to conduct a fair investigation under the Fair Credit Billing Act, considering the evidence that the merchant acknowledged an unresolved duplicate charge and that I followed all proper dispute procedures. 

Supporting evidence attached : Screenshots of chat messages with XXXX showing reference # XXXX and their responses. 
Robinhood dispute notices, emails, and denial messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
My caller ID is saying a company named MCM or a man XXXX XXXX is calling from multiple numbers multiple times a day. Some numbers come up as unknown but the messages that are left are all from the same person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom mortgage is refusing to release my PMI, even though my loan has reached the XXXX percent paid amount ( I placed XXXX percent down at the time of closing ). In addition, after sending me a check for {$210000.00} for escrow overpayment, Freedom Mortgage increased my payments from {$2700.00} to {$2800.00} ( beginning XX/XX/XXXX ) to allegedly accommodate a $ 658 yearly insurance payment that is due in XX/XX/XXXX for next year. My insurance for XXXX was paid in full to my insurance company by me on XX/XX/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 2025-10-22 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 writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} INQUIRIES : XXXX XX/XX/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 2025-10-22 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: MO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I AM FILLING A COMPLAINT AGAINST CAPITAL ONE REGARDING THE DECEPTIVE PRACTICES RELATED TO XXXX " HIGH YIELD INTEREST '' SAVINGS ACCOUNTS. XXXX XXXX  MISREPRESENTED THE XXXX SAVINGS ACCOUNT AS HAVING ONE OF THE NATION 'S HIGHEST INTEREST RATES, YET FAILED TO NOTIFY ACCOUNT-HOLDERS ABOUT THE SUPERIOR RATES OFFERED BY THE XXXX PERFORMANCE SAVINGS ACCOUNT. THIS DELIBERATE OBSCURITY AND LACK OF TRANSPARENCY VIOLATED CONSUMER TRUST AND RESULTED IN SIGNIFICANT FINANCIAL LOSSES OF MANY, BREACHING THE CONSUMER FINANCIAL PROTECTION ACT AND THE TRUTH IN SAVINGS ACT. I SEEK REDRESS FOR THE MISLEADING PRACTICES AND FAILURE THEIR ADVERTISED PROMISES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for violating the Fair Credit Reporting Act ( FCRA ) by inaccurately and duplicatively reporting the same debt account. 

Both furnishers are reporting the same XXXX XXXX account with the identical balance of {$640.00}, which is misleading and violates : 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information with knowledge of inaccuracy.

I have previously disputed this account with both XXXX and TransUnion, and it was incorrectly returned as verified. This account was also included in my FTC Fraud Affidavit. 

Attachments include the XXXX letter dated XX/XX/XXXX and credit report screenshots from XXXX  and TransUnion showing the duplication. 

I request that the CFPB review this matter and direct the relevant credit bureaus and furnishers to correct or remove the inaccurate information immediately, ensuring full compliance with federal law. 

Thank you for your assistance. 

Sincerely, 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 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with the receipt displaying my signature. If not, please delete Account Number XXXX XXXX as soon as possible from my report or I will have to take legal action.

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