vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The company PAYPAL has token over {$8000.00} out of my social security income bank ( XXXX XXXX ) I have contacted them and reported this issue and they have not done anything to help resolve this matter. My last phone call reference number XXXX I was also instructed to send my FTC report to a false dispute email ( service@paypal.com ) According to my bank statements these funds were drawn from these PayPal accounts which do not belong to me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I requested XXXX the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline XXXX XXXX continues to sham on the reporting issue. I have been disputing it and it has been deleted from my account but after a while XXXX continues the illegal practices putting back on my account. Im exhausted in this endless filing dispute of inaccuracies of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAST AND FAIR COLLECTION SOLUTIONS, LLC
State: WA

Complaint narrative:
REQUEST FOR DEBT VALIDATION RETURN RECEIPT REQUESTED XX/XX/year> VIA CERTIFIED XXXX MAIL Fast and Fair Credit Solutions LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The attached document shows very clearly a simple request for validation of debt that has been ignored by the collection agency. The very questionable collection practices by the third-party debt collector is the primary basis for the complaint, they have repeatedly violated federal and state collection statues as outlined in the debt validation letter. They have also made threats and false statements regarding the alleged debt. Despite our efforts to understand and resolve the issue, they continually change the dollar amount owed and can not even verify the proper tenants or support any of their allegations with any evidence. The are unable to provide an unbroken chain of ownership, debt transfer, or authorization to collect the debt and they claim to be licensed debt collectors within the state, yet they violated all state statutes to the extent no mediation was offered, no " dunning letter '' no notice, and civil process of service is incomplete. The collection practices are wrought with violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Regions Bank for failing to protect me from deceptive billing practices by XXXX XXXX, which led to {$430.00} in charges that I did not knowingly authorize. 

In XX/XX/XXXX, I signed up for a free XXXX business profile. On or around XX/XX/XXXX, a XXXX representative contacted me by phone to help set up the profile and offered me {$300.00} {$400.00} in free ad credits. What was not clearly explained was that these credits would only be applied once I spent a portion of my own funds meaning I had to spend my own money first. This was misleading and not what I believed I was agreeing to. 

When I noticed the first charges posted to my account around XX/XX/XXXX, I immediately contacted XXXX and told them I did not want to participate in the advertising program. I was told that in order to receive a refund, I could not cancel outright I would have to pause the account instead. I agreed under that condition and received a partial refund ( around {$96.00} ) a few days later. XXXX confirmed in writing that my account would be paused from XX/XX/XXXX, to XX/XX/XXXX. 

Nowhere in that message did they disclose that billing would resume automatically after the pause ended. 

In XXXX and XX/XX/XXXX, I discovered that XXXX had resumed billing my Regions Bank account, totaling {$430.00}. I never reactivated the campaign or authorized those charges. There was no notice, prompt, or opt-in. Additionally, XXXXXXXX XXXX platform does not allow you to remove a stored payment method online it must be done by phone, and their support line has excessive wait times. This created an intentional barrier to cancellation. 

I again contacted XXXX, and then filed a dispute with Regions Bank around XXXX XXXX. The bank ultimately denied my dispute, stating that XXXX had provided evidence I agreed to the terms. While I may have agreed to general terms at signup, I did not consent to future charges after the account was paused especially not under these misleading and restrictive circumstances. My actions ( including two phone calls to XXXX and the initial refund request ) demonstrate clearly that I did not wish to continue with their advertising service. 

I have documentation to support my claims, including the email confirming the pause period and bank statements showing the disputed charges. I believe this situation reflects deceptive billing behavior by XXXX, and a failure by Regions Bank to adequately investigate and protect me as their customer. I am requesting a full reversal of the {$430.00} that was unfairly reinstated to my account.

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 2025-04-02 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: AL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-02 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: AL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-02 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One business checking account was placed into " deposits only '' status on XX/XX/year>, after receiving a {$25000.00} payment from a client in XXXX XXXX. Since then, I have had no access to any business funds, which has prevented me from paying contractors, employees, and other critical obligations. 

I have contacted Capital One multiple times. Each time, I am told that the account is under review, but no explanation is provided. I have proactively offered to submit documentationincluding a signed agreement, invoice, proof of payment, and incorporation documentsbut I am repeatedly told that no documents are needed. 

Capital One has not provided a reason for the freeze, a timeline for resolution, or a dedicated point of contact. This ongoing restriction is causing significant harm to my business, and I am requesting urgent assistance in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX  XXXX XXXX, XXXX , Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-02 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: NY

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
there are XXXX collections on my credit report I have notified the credit companies to investigate the items since I am unable to obtain any information from the collectors and I have no idea what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Account name PORTFOLIO RECOVERY ASSOCIATES Also known as PORTFOLIO RECOV ASSOC Account number XXXX Amount XXXX Currently reflecting on my account as XXXX days late on payment, I have no knowledge of this account nor do I own this account. This is defamation of character. 

According to the law, only accurate information should be displayed on my credit report. I have disputed this through the credit bureaus and directly with the creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
After looking over my credit report they're accounts on there that I do not recognize due to it being fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence. 

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft. 

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS 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 non-monetary relief
Consumer complaint received 2025-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I've been going through a hacking process for XXXX months. They started hacking my phone line. I went to a XXXX store near my house. I have a receipt. When I got my bills back, the persecution began. There were days of fear, hunger, and XXXX... But I continued with my life. Around the middle of XXXX, I had an argument with my sister and was fired by her, losing my job. I'm XXXX XXXX and I'm in a program called XXXX XXXX, which gives me medical and XXXX care and rent assistance. My case manager can prove it. I requested help and was approved after proving everything I could. These cybercriminals wouldn't leave me alone for a second, wanting to know about my personal bills. A few days later, guys showed up at my house, taking advantage of the situation, and told me that I had been with some married men. Look, it's not my fault. They're the married ones. I'm single. They came to me. I didn't go to their house. My money and my accounts started to disappear from my account in small amounts. I would beg for help, cry, and go hungry for days because I didn't have my accounts. I met some people involved and just asked them to leave me alone. Until the last XXXX days, they took advantage of the XXXX XXXX to take justice into their own hands, saying they were citizens who wanted to clarify why I had a company, the one I forgot I opened to work as a cleaner and organizer. They, who had nothing better to do, found through tracking my account a fee that I needed to pay. Now, I'm not in my country, and I've never worked with the company, it was forgotten. When I earned {$30.00} for a house I cleaned in XXXX, they decided to take that money Means of using hacking - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account - My device 's XXXX ( bugged ) And my sister 's too, we were called XXXX patients, that I was stealing money from the government because I didn't declare the fees from that company and the XXXX XXXX XXXX XXXX, that I had to leave the country, that I wasn't a citizen Eavesdropping was added to the apps, because in addition to being monitored, they want to know where I am. 

I tried to apologize, I tried to negotiate but nothing worked, they want to be called bandits, hackers. Torturers and thieves

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