vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Original Purchase Agreement Hello, I hear by dispute the validity of the alleged debt listed below entirely. I also request verification off all alleged debt, specifically a copy of the original XXXX XXXX. A XXXX agreement must be with the original creditor and sign by all parties involved. I am requesting this because I have had different companies reach out to me regarding the same alleged debt. 
XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} It is my priority that all such agreements and associated practices fully comply with applicable credit monitoring laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
We value a transparent and compliant business relationship and believe that addressing these matters will ensure that both parties meet their regulatory obligations while safeguarding consumer rights. I am requesting IMMEDIATE Deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You MUST Cease Collection efforts until this alleged debt is validated. You MUST show proof that you legally own this alleged debt and that is accurate and complete. 
To ensure our mutual compliance and the protection of consumer information, we kindly request the following : Provision of Agreement Documents A complete copy of the proposed Purchase Agreement outlining the terms, conditions, and obligations of both parties.

A detailed copy of the Forward Flow Agreement, including the volume, pricing structure, and scheduled transfer dates for the accounts involved. 
Compliance with Credit Monitoring Laws An explanation of how Source Receivables Management ensures compliance with the FCRA, FACTA, and any other applicable credit monitoring laws in its account reporting practices. 
I appreciate your prompt attention to this request and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I got sick and had to have XXXX XXXXXXXX in both XXXX of XXXX then again XX/XX/XXXX. I was out of work from XXXX XXXX. I attempted to work with company to lower payments and/or put those payments towards end of the loan. They stated the loan was too new, eventually deactivated my online login. Eventually they wrote the truck off, I then received a letter from attorney demanding XXXX. Yet on my credit they already wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-24 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-24 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-02-24 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 have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-24 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: MS

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: USCB, Inc.
State: NY

Complaint narrative:
Hey, due to the lack of hiring in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i was projected job security that never accrued. Stuck with a past bill, after leaving the services and um-surety again of a income deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/XXXX I made a payment in the amount of {$1500.00} towards my account. They refused to apply this payment to my account and have been holding this payment without disclosing this information to me. 

I later made another payment of {$1400.00} which they to decided to hold as well without any notification. 

I called in and was told that they will release on XX/XX/XXXX. 

I'm not in agreement of them holding my money without notification this has also cause my payment to be makes late and affected my credit. I need to be paid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Urgent Complaint Against Robinhood Unlawful Holding of My Funds ( {$37000.00} ) To Who

m It May Concern, I am filing a formal complaint against Robinhood Financial LLC for their unlawful restriction of my funds totaling {$37000.00} and their inconsistent policies regarding deposits and withdrawals. I funded my Robinhood account with a total of {$37000.00} using two accounts : a personal debit car
d and a business debit card. Robinhood accepted these deposits without issue, but when I attempted to withdraw or trade, my account was suddenly placed under review without warning.

Robinhood has now requested bank statements from both funding accounts. However, after submitting the requested information, Robinhood refused to accept my business bank statement, claiming they do not accept business account statements. This is highly unfair and deceptive, as they allowed me to deposit funds from a business debit card but now refuse to recognize the source of those funds.

Issues of Concern : Robinhood is unlawfully holding my money ( {$37000.00} ) and preventing me from making any trades, withdrawals, or accessing my funds.

Their policies are inconsistent and deceptive allowing funding via a business debit card but refusing business bank statements as proof of ownership.

I have provided the requested documentation, yet Robinhood has failed to resolve or provide a timeline for restoring access to my account.

This restriction is causing me financial harm and potential loss of investment opportunities.

Requested Resolution : Immediate release of my {$37000.00} and full restoration of my account access.

A formal explanation and policy clarification on why business debit card deposits are allowed but corresponding business bank statements are not.

Assurance that this type of arbitrary and unfair restriction will not happen again. 
I request that the Consumer Financial Protection Bureau ( CFPB ) intervene immediately to prevent further harm caused by Robinhoods actions. I am also considering legal action and reporting this to FINRA, the SEC, and my state financial regulators. 

I expect a resolution within 15 days from the date of this complaint. Please confirm receipt and provide an update on the status of my case as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am contacting Portfolio Recovery regarding complaint # XXXX as I have asked you all to stop contacting me via email and cease from ALL communication on XX/XX/year>. Portfolio Recovery has continued to contact me on XX/XX/year> via email after asking you all to cease from communication. This is harassment, your tactics are aggressive, and it is against my rights according to 15 USC 1692c ( c ). Portfolio Recovery is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Also you lied in your most recent rebuttal and I have uploaded proof that your company is in fact in violation with FDCPA. I will be seeking damages with your company if I receive further contact regarding alleged debt below and you surely better not try to attach to my credit report. 

Will be seeking damages and speaking with a lawyer as you all have harassed me through electronic communication, violated my rights under FDCPA, and stated you will cause damage to my credit report. There is more than enough evidence to prove for my case. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Dear Wells Fargo Customer Service, I am writing to formally express my frustration and concern regarding the ongoing issues with my credit card account. For over two months, I have made multiple attempts to contact Wells Fargo to arrange a payment plan, yet I have been continuously given the runaround and have not received a call back. Despite my efforts to seek a resolution, my account is now showing two months past due and is negatively impacting my credit report.

Additionally, over a month ago, I specifically requested to speak with a manager to address this matter, but I have yet to receive any response. This lack of communication has made it incredibly difficult to rectify the situation in a timely manner.

Furthermore, I recently discovered fraudulent activity on my account in XXXX and XXXX. Around that time, my daughters purse, phone, and ID were stolen, which contained some of my personal information as well. Given this, I need Wells Fargo to urgently review these transactions and take the necessary steps to correct any unauthorized charges.

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 2025-02-24 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-24 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: MS

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2025-02-24 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: CA

Complaint narrative:
XXXX violated by conspiracy to commit fraud with XXXX for financial gain and has willfully callously been in noncompliance of the laws FCRA 15 U.S.C. 605b block and reinsertion of fraudulent documents and is guilty of fraud with the miss representation of my credit report and caused financial harm blocking me from housing and employment to a XXXX person with the fraudulent document illegally obtained by this evil operation ran by XXXX XXXX XXXX whom has no legal authority to inserted without legal authority to act on nor have my permission and my right to privacy ignoring all requests to XXXX XXXX XXXX XXXX correct delete block and cease and desist of such crimes and sued for in which I'm owed civil liabilities for compensation of such harm blocked me from a {$150.00}, XXXX XXXX housing opportunity and a career projected t o make me a XXXX XXXX  and instead created homelessness to a XXXX person and has been for the course of a year of reporting to these evil actors and you the CFPB have just sued and won monies to compensated consumers and I'm eligible for this compensation and services from the Equifax data breech that Experian illegally charged my bank account for XXXX XXXX I demand my right to civil liabilities owed to me and wish for my share owed in the civil fund from the lawsuit just completed last month to the XXXX XXXX XXXX insurance claim EQUIFAX has agreed EXPERIAN provide through credit works because together they cost me to suffer since 2017 putting my son and i at risk of death and suffer in the state of homelessness, no way to self support and created inhumane dangerous conditions during our nations most dangerous times in history with the boarders open and women and children being XXXX XXXX XXXX XXXX. The fact that these disgusting acts are for financial gain is grounds for jail terms and banned from profiting off of the fraud is against human rights of an XXXX and Equifax is sued for XXXX XXXX for the same XXXX with several reports to you and them with the ignoring of several other 605b blocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I bought a car on XX/XX/year> from a dealer here in XXXX XXXX, XXXX. I was scammed due to the fact that the dealership knew that the car had issues and I requested a refund after going back and forth with the company for XXXX weeks, I sent them messages in regard to the scam to XXXX XXXX and requested a full refund because the vehicle broke down after XXXX weeks no longer able to run, after the dealership failed to disclose of the issues, after speaking with them I told them I was scammed and the dealership told me I shouldn't have signed the paper work. I then asked XXXX XXXX for a refund that I still have not received even though I returned the car and I sent them messages from the scammer.

Company response to consumer: Closed with explanation