vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a federal settlement check on XXXX at a regions bank who I have a checking account with they are telling me after I called in about the hold for the check because it wasn't explained to me at the bank when I deposited the check it would be on hold till XX/XX/XXXX and that on XX/XX/XXXX {$270.00} would be available for use which never happened

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 2025-07-13 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/year>, American Credit Acceptance LLC ( ACA ) confirmed via their attorney that no further collections or reporting would occur while arbitration was pending. However, they reported a delinquency to XXXX  on XX/XX/year>, in direct violation of that agreement. 

I am also attempting requesting a full accounting and verification of ownership of my loan. ACA in hopes of a response. I believe the loan may have been sold, assigned, or securitized, which they have not disclosed. Furthermore, my income was falsified on my original credit application, showing incorrect income that contradicts my tax return and bank deposits. 

I am currently in arbitration with ACA, and I believe this negative reporting was retaliatory after I filed to have the arbitrator removed due to a conflict of interest. I am requesting that CFPB review this and assist with removing the negative tradeline, compelling ACA to respond with accounting records, and investigate possible violations of FDCPA, FCRA, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a false bankruptcy on my credit report. This bankruptcy does not belong to me. It appears this information was mistakenly added due to having the same name as my father, but I am a XXXX, and the bankruptcy in question pertains to him, not me. 

I have already disputed this false bankruptcy multiple times with the credit bureaus. Additionally, XXXX, the third-party furnisher of this information, has acknowledged the error and attempted to have the credit bureaus remove it. Despite this, the credit reporting agencies have failed to correct or remove the inaccurate entry, causing me ongoing harm. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the maximum possible accuracy of the information they report and to correct any inaccurate or unverifiable information in a timely manner. 

I am requesting the CFPB to investigate this matter, ensure the false bankruptcy is immediately removed from all three of my credit reports, and that the credit bureaus are held accountable for failing to correct inaccurate information after being provided with clear evidence and dispute communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a false bankruptcy on my credit report. This bankruptcy does not belong to me. It appears this information was mistakenly added due to having the same name as my father, but I am a XXXX, and the bankruptcy in question pertains to him, not me. 

I have already disputed this false bankruptcy multiple times with the credit bureaus. Additionally, XXXX, the third-party furnisher of this information, has acknowledged the error and attempted to have the credit bureaus remove it. Despite this, the credit reporting agencies have failed to correct or remove the inaccurate entry, causing me ongoing harm. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the maximum possible accuracy of the information they report and to correct any inaccurate or unverifiable information in a timely manner. 

I am requesting the CFPB to investigate this matter, ensure the false bankruptcy is immediately removed from all three of my credit reports, and that the credit bureaus are held accountable for failing to correct inaccurate information after being provided with clear evidence and dispute communications.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Complaint Against : Portfolio Recovery Associates, XXXX : XXXX XXXX XXXX  XXXX ( Florida Bar No. XXXX ) Portfolio Recovery Associates filed a debt collection lawsuit against me in Florida court ( XXXX XXXX Case No. XXXX ), despite my repeated prior disputes filed through XXXX stating that I did not owe the alleged debt. 

I am a XXXX XXXX woman who does not speak or read XXXX, suffers from XXXX XXXXXXXX, and takes over XXXX XXXX. I had no understanding of the legal documents allegedly served and never knowingly accepted service. Despite this, a default judgment was entered against me. 

This is a clear violation of : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( false representation ) FDCPA 1692f ( unfair or unconscionable means ) Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 They pursued the wrong person, disregarded my medical and language limitations, and used the courts to obtain an unjust judgment.

I request full investigation, reversal of the court action, and regulatory sanctions against Portfolio Recovery Associates and their counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
the company is reporting false information to the credit bureaus, attempting to collect a debt without proper documentation and/or proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
To whom it may concern : I am writing to dispute and demand removal of the following inaccurate tradeline from my credit report : Federal Department of Education / XXXX Student Loan ( Account # XXXX  ) This account was closed by XXXX XXXX on [ date of closure ], and I never signed any agreement to reopen it with XXXX. It should not appear as an open or active tradeline on my credit report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you must complete a reasonable investigation of my dispute within 30 days and delete any information you can not verify. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are required to employ reasonable procedures to assure maximum possible accuracy. If XXXX or the Department of Education can not confirm this tradelines validityand they can not, since I never authorized its reopeningyou are obliged to remove it. 

Please send me written confirmation when this tradeline has been permanently removed, along with a free, updated copy of my credit report, as provided under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ). 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
To whom it may concern : I am writing to dispute and demand removal of the following inaccurate tradeline from my credit report : Federal Department of Education / XXXX Student Loan ( Account # XXXX  ) This account was closed by XXXX XXXX on [ date of closure ], and I never signed any agreement to reopen it with XXXX. It should not appear as an open or active tradeline on my credit report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you must complete a reasonable investigation of my dispute within 30 days and delete any information you can not verify. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are required to employ reasonable procedures to assure maximum possible accuracy. If XXXX or the Department of Education can not confirm this tradelines validityand they can not, since I never authorized its reopeningyou are obliged to remove it. 

Please send me written confirmation when this tradeline has been permanently removed, along with a free, updated copy of my credit report, as provided under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ).

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To whom it may concern : I am writing to dispute and demand removal of the following inaccurate tradeline from my credit report : Federal Department of Education / XXXX Student Loan ( Account # XXXX  ) This account was closed by XXXX XXXX on [ date of closure ], and I never signed any agreement to reopen it with XXXX. It should not appear as an open or active tradeline on my credit report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you must complete a reasonable investigation of my dispute within 30 days and delete any information you can not verify. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are required to employ reasonable procedures to assure maximum possible accuracy. If XXXX or the Department of Education can not confirm this tradelines validityand they can not, since I never authorized its reopeningyou are obliged to remove it. 

Please send me written confirmation when this tradeline has been permanently removed, along with a free, updated copy of my credit report, as provided under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ). 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: KS

Complaint narrative:
I was scammed by a work from home scam. They sent my payment to trust wallet so I could retrieve it. They posed as a technician from trust wallet and somehow got access to send more money to trust wallet and then they had enough control of trustwallet account and sent the funds somewhere else and I am out XXXX because trust wallet let someone else gain access to my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a new complaint against Experian regarding its failure to update or remove the XXXX XXXX account tradeline after the associated bankruptcy was deleted from my file. As of my XX/XX/year> credit report, the bankruptcy no longer appears under XXXX XXXX, yet the XXXX XXXX account continues to report serious delinquencies and a large past due balance, without any clarification or context. 

Experian previously associated this tradeline with my XXXX XXXX XXXX Now that the bankruptcy has been removed, the tradeline remains materially misleading and damaging, and no reinvestigation was performed to correct the status, balance, or narrative of the account. 

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation after bankruptcy removal.

FCRA 1681i ( a ) ( 5 ) : Failure to delete or correct unverifiable and outdated information.

Consumer Harm : False perception of unresolved delinquent debt Misleading association with a discharged bankruptcy Credit denials, inflated interest rates, and reputational harm Ongoing emotional distress and financial damage Relief Requested : Immediate update or deletion of the XXXXXXXX XXXX  tradeline Verification of the current balance and past due amount from the original creditor Written explanation of why the account remains unchanged post-bankruptcy removal Referral to the FTC and enforcement review for Metro 2 non-compliance

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 2025-07-13 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: PR

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account ( XXXX XXXX ) ( XXXX ) Please investigate and provide proof can't be provided i demand these payments be updated to on time as should be as i was never late thanks.

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 2025-07-13 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: PR

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account ( XXXX XXXX ) ( XXXX ) Please investigate and provide proof can't be provided i demand these payments be updated to on time as should be as i was never late thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been experiencing issues making my mortgage payments through the NewRez online payment system. Whenever I try to submit a payment online, the system does not process itI click to confirm the payment, but nothing happens and the transaction doesnt go through. 

Previously, I was making payments online each month and consistently paid an additional amount toward my principal. However, due to the ongoing website issues, I tried calling NewRez to make the payment over the phone. When I did, the representative told me to just try again online, but the issue persists. 

Now, Im unable to pay ann extra XXXX  over the phone eitheronly the regular payment amount is accepted, and it doesnt give me the option to pay more.

Ive attempted to make payments multiple times online and by phone over the past several weeks, and each time it either fails or limits how I can pay. This is very frustrating and concerning, especially since Ive never had problems paying in the past. Im worried this will affect my account status and my credit.

Please investigate whats going on with the online system and clarify why I can no longer make extra payments over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Amount : {$490.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law.

Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : Account Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Amount : {$490.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law.

Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

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