vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
In XXXX, I went to XXXX seeking help with credit card consolidation relief in the amount of {$33000.00}. One of the agents ( XXXX XXXX ) asked me to fill out a pre-qualification packet. As I am completing the paperwork, I was asked by XXXX how much was the property valued at. I was unsure because no assessment had be done. I randomly said, " {$58000.00} ''. Once the paperwork was completed, I was told that I would hear back a with a decision. I knew that I would not get approved because my credit score was very low. Toward the end of XX/XX/XXXX, I received a statement from XXXX detailing installment payments. In that moment, I believed that my debt had been cleared up. I did not analyze it thoroughly and continued on with life. After some time had gone by, I found it strange that I was still receiving statements from my creditors. I realized that XXXX backed out of their agreement to pay off my debt, and turned a random number into to a mortgage. In XXXX, I filed bankruptcy because I had mistakenly believed that XXXX had already taken care of my debt. Before filing bankruptcy, I was still making payments on a debt that XXXX claimed to have cleared, and I was paying on a loan that was never disbursed to me. I never received any copies of the paperwork that I filled out. Again, I was told that this was pre-qualification paperwork. My attorney was well-informed about this, yet he failed to take my advice into account. I was pressured to sign a reaffirmation agreement on loan funds that were never released to me. In XXXX, I tried to contact the company, but there was no response. In XXXX, XXXX sold this non-disbursed loan to Select Portfolio Servicing. By this time I had already paid XXXX more and {$75000.00}. Select Portfolio Servicing did set up a few mortgage modifications, and I agreed to the modifications pending my ability to locate my attorney. In XX/XX/XXXX, I ceased payments on a loan that hasn't been disbursed to me. In XX/XX/XXXX, I found out from the Disciplinary XXXX that my attorney had been disbarred. In XX/XX/XXXX, I received a phone call from my insurance agent informing me that she had received a letter from Select Portfolio Servicing. She mentioned that I was going to lose my homeowners coverage because the letter stated that Select Portfolio Servicing initiated foreclosure on XX/XX/XXXX. I was unaware of this so she emailed me a copy of the letter. As of XX/XX/XXXX, I have yet to receive any copies of the original paperwork that I signed in the office, I have never received a copy of the stale check, or a printout of how the funds were disbursed. After overcoming numerous obstacles in life, the difficult realization has come that predatory lending has victimized me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Had an unauthorized charge from a company called XXXX XXXX. Called a company called XXXX XXXX and they arent affiliated with whoever is charging me. First charge was in XXXX. It was around XXXX . Then they restarted charging me end of XXXX early XXXX. Its gotten to the point where in the last 3 days they charged me XXXX . Bank of America claims they put a stop payment and that they froze the account theyre taking money from but all I keep seeing is charges going to the account and at this point Im scared theyre going to end up taking more money and Bank of America is going to make me responsible I just want the charges to stop. Please whoever is reading this help.

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 2025-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Around XX/XX/XXXX, I cleared the cache and deleted cookies from my browser. When I attempted to login to my Robinhood account, I was prompted to provide and ID and a selfie of myself. I noticed that Robinhood doesn't verify this information themselves and instead uses a third party provider named Persona. I explained I was not comfortable with this and wanted an alternative way to prove my identity. Robinhood offered no such thing and despite me asking many times over the last couple of weeks, they have stopped responding to my inquiries. I can not access my accounts or funds because Robinhood has locked me out. I was not even attempting to perform a trade of any kind, I just want to be able to look at my accounts and originally wanted to renew my Gold subscription with them. I also explained this to their team on social media and by email that I'd be filing a complaint and they just ignored it and never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In late XX/XX/year>, my Bank of America account was placed into credit-only status due to an ongoing fraud investigation following the theft of my phone. Around that time, a direct deposit rent payment was reversed by Bank of America because the account could not accept outgoing transactions. As a result, my apartment complex charged me hefty late fees and a return fee. 
To resolve the issue, my apartment management requested a simple letter from Bank of America backing up what I was telling them. I was hoping the bank could confirm just a couple of basic factual details : That my account had been placed in credit-only status That this status was due to an active fraud investigation I spoke to four different Bank of America customer service agents by phone to request this documentation. All four told me the bank would not provide any written confirmation even though the facts I requested were not disputed and posed no legal risk to the bank. After exhausting phone support, I visited a branch in person and spent nearly an hour explaining the situation, only to be told the same thing : Bank of America would not provide any letter or documentation to help resolve the issue.

Additionally, when I first spoke with a Bank of America phone representative, I was assured that if my apartment complex did not refund the return fee, the bank would assist me with reimbursement especially if the fraud claim was validated. However, during my in-person visit to the branch, I was told the exact opposite : that Bank of America would not reimburse the fee under any circumstance, even if the fraud claim was approved. This conflicting guidance further complicated my ability to resolve the matter and reflects inconsistent internal communication at the bank. 
This refusal to document basic account activity and the conflicting information Ive received has made it significantly more difficult to resolve the rent-related charges and has added further financial stress to an already difficult situation.

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 2025-05-15 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:
Upon reviewing my credit report, I found several accounts that I do not recognize and that do not belong to me. I am extremely distressed and concerned, as I have never opened these accounts and I fear I may have been a victim of fraud. This situation is causing me a great deal of XXXX and is directly affecting my financial security. I urgently request that these fraudulent accounts be BLOCKED and REMOVED from my credit history, as they are unfairly damaging my credit and peace of mind. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-15 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: FL

Complaint narrative:
Upon reviewing my credit report, I found several accounts that I do not recognize and that do not belong to me. I am extremely distressed and concerned, as I have never opened these accounts and I fear I may have been a victim of fraud. This situation is causing me a great deal of XXXX and is directly affecting my financial security. I urgently request that these fraudulent accounts be BLOCKED and REMOVED from my credit history, as they are unfairly damaging my credit and peace of mind. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
My personal information such as my social security card and identification card was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. I have been attached my identify theft form and would like these accounts deleted.

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filled a complaint against XXXX XXXX XXXX, however, the dealership did not cooperate. Then, I did more research and found that Capitol One does not finance salvaged vehicle. Since then, I have been in contact with XXXX at Capitol One. The address is on my letter. I want to be refunded of all my loan payments, insurance payments, and repaired stated in my letter. Since my request of the refund ended in XX/XX/year>, I continue to pay {$86000.00} for the car loan to Capitol One and {$190.00} to XXXX for auto insurance. I am only asking to be refunded of all my payments up to the last payments. I am waiting to hear from XXXX from Capitol One President 's Office. 
XXXX XXXX, General Manager at XXXX XXXX XXXX called on Wednesday, XX/XX/year> and asked me to bring the truck back for cancellation. I refused because I sent a letter to Capitol One for refund. He threatened me and said that, " He will repossess the truck '' I asked him to inform me of the day he will come and repossess the truck. 
XXXX from the President office of Capital One called today and said that, " No refund is going to be made. Also, that Capitol One will not send me a written response. '' See letter below and additional documents related to both of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing because there is inaccurate information on my credit report that needs to be addressed immediately. Specifically, there is an account listed that doesnt belong to me its someone elses, and its been incorrectly tied to my credit file.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inaccurant information is affecting my ability to obtain credit. I need them removed immediately.

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 2025-05-15 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: TX

Complaint narrative:
This inaccurant information is affecting my ability to obtain credit. I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I applied for a {$10000.00} loan from Upstart on XX/XX/year>. When prompted to perform on the loan contract ( negotiable instrument ), I followed all rules and regulations regarding Negotiation outlined in Article 3 of the Uniform Commercial Code. A qualified indorsement was made on the instrument, and it was processed accordingly. When returned to the Maker of the contract ( Upstart ), it was accepted and never denied or dishonored. I received the agreed to amount of funding the following day. About a month later, when I was first contacted about the debt by the debt collector, XXXX XXXX XXXX, under Upstart, I forwarded the collector a debt validation letter pursuant to FCRA, FDCPA, and other various consumer laws for them to validate the debt before attempting to collect. The letter also included a lawful cease and desist. The debt was never validated in the given 30 days, and further contact was made from the collector, thus breaking the cease and desist. Since then, they still have yet to validate the debt, remove the unlawful and inaccurate information from my credit reports, and cease from further attempting to collect. They have also brought in another third party debt collector, XXXX XXXX XXXX, to try and further collect, and have not ceased online communications via texts and/or emails. This constitutes harassment and debt peonage for something not legally attached to me, per their inability to validate the debt and per my qualified indorsement on the negotiable instrument. I will be pursuing legal action here shortly, but also want to exhaust my remedies and seek the maximum amount of compensation possible, so this doesn't keep happening with me or possibly anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Block, Inc.
State: IL

Complaint narrative:
They made I duplicate account and attached it to mines and its been making transactions that I didnt authorize and I made a complaint in they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-15 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-15 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-15 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: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
Someone fraduently signed my name on a home loan! The signature does not match mines and 21st mortgage dont want to investigate it and have it removed from my credit reports

Company response to consumer: Closed with explanation