vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I am a Florida resident and recently discovered that Uprova is not licensed to lend in Florida. Despite this, they extended me a high-interest loan of XXXX with an APR exceeding Floridas usury limits of 436.11 %. I did not see a Florida license listed under the Florida XXXX XXXX XXXX XXXX. 

Uprova used my bank account information to withdraw payments on. I disputed an unauthorized charge of XXXX on XX/XX/year>XXXX  with my bank, which was provisionally credited back, but I am concerned about further attempts to debit my account. 

I believe Uprova is operating illegally in Florida by offering unlicensed, high-cost loans and ask that the CFPB investigate their lending practices and protect consumers from these unlawful loans.

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 2025-09-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
At XXXX XXXX, Williams & Fudge contacted my mother, stating that they were trying to reach me and identified themselves as Williams & Fudge, a debt collection agency. After my mother declined to provide information, they then contacted her husband, who is not my father. As a result, my mother called me to say that a debt collector was trying to obtain my information. This conduct constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits disclosure of debt collection activity to third parties other than the consumer, their spouse, or their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This may be long, and I dont want to forget details. I believe around XX/XX/XXXX or XXXX or caught fraudulent charges to my bank account while I was at work. My checking account over-drafted into the negatives, because whoever was stealing from me couldnt see they were about to drain my bank account. So then I realized someone has been making multiply fraudulent charges since XXXX. Over {$530.00} was stolen. I can clearly see that my receipts dont add up to the charges on my debit checking account. I do not know what investigative tools are being used at my bank or XXXX. But the denial of fraud is outrageous, someone stole from me, and I need to be protected. I am the victim and someone needs to care about the little guy. My bank USAA ( a bank that is supposed to care about their loyal military members and military family ) does not seem to care about protecting me, and XXXX seems to allow fraud. I specifically called XXXX first and asked them why Ive been charged multiple times by them, but they denied seeing these charges on their end, and to contact my bank for someone might be committing fraud. I am out of a lot of money, this needs to made right, Ive been a loyal customer for years. Not only have I been stolen from, I also have no money to take care of myself until my next paycheck. I hope this leads to someone who cares. I am highly disappointed in what is being allowed in this country. I work very hard for my money. I pay my taxes. I need to be shown I can feel safe in my country.

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 2025-09-02 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: AZ

Complaint narrative:
XX/XX/XXXXXXXX XXXX  my account was restricted. I could not transfer my money out of the account. They held my money XXXX days before that to clear my checking account. Once cleared my money was restricted from doing anything else and is restricted to this day. As they still have Most of my money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, XXXX account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-09-02 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 am filing this complaint because the credit reporting agencies ( Experian, Equifax, and TransUnion ) are continuing to report a fraudulent collection account from XXXX XXXX XXXX ( original creditor : XXXX ) in the amount of {$3200.00}.


I have never opened, authorized, or benefited from this account. I am a documented victim of identity theft and have filed a police report confirming the fraud. Despite providing proof, this account continues to appear on my credit reports, harming my score and limiting my access to credit. Applicable laws being violated : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus must block fraudulent information from a consumers report within 4 business days upon receipt of an identity theft report. FCRA 611 ( 15 U.S.C. 1681i ) : Credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Hardship : This fraudulent tradeline has lowered my credit score, prevented me from accessing financial opportunities, and caused stress and reputational damage. Requested Resolution : Immediate deletion/blocking of this fraudulent account from my credit files. Written confirmation of removal.

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 2025-09-02 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: AL

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Experian, Equifax, and TransUnion ) are continuing to report a fraudulent collection account from XXXX XXXX XXXX ( original creditor : XXXX ) in the amount of {$3200.00}.


I have never opened, authorized, or benefited from this account. I am a documented victim of identity theft and have filed a police report confirming the fraud. Despite providing proof, this account continues to appear on my credit reports, harming my score and limiting my access to credit. Applicable laws being violated : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus must block fraudulent information from a consumers report within 4 business days upon receipt of an identity theft report. FCRA 611 ( 15 U.S.C. 1681i ) : Credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Hardship : This fraudulent tradeline has lowered my credit score, prevented me from accessing financial opportunities, and caused stress and reputational damage. Requested Resolution : Immediate deletion/blocking of this fraudulent account from my credit files. Written confirmation of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

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 explanation
Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an email notifying that my current lender Cardinal Financial had sold my loan to a new company, XXXXXXXX XXXX XXXX XXXXXXXX. According to ( RESPA, 12 CFR 1024.33 ) cardinal is required to provide me with at least 15 days of notification I received at best XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: MD

Complaint narrative:
They keep calling at least 5 times a day from different names stating to call them at a totally different number to pay a medical debt thatdoesnt belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. A fraudulent Bank of America auto loan in the amount of approximately {$110000.00}, allegedly opened in XX/XX/, continues to appear on my XXXX  credit file. 

I have filed an FTC Identity Theft Report ( Report # XXXX ), and I have provided XXXX  with copies of my government ID, proof of address, and prior dispute correspondence. Each time I dispute this fraudulent account, XXXX  temporarily removes it, but Bank of America re-furnishes the same false information, and XXXX  allows it to reappear. 

This practice violates the Fair Credit Reporting Act ( FCRA ) : FCRA 605B requires XXXX  to block identity theft accounts once proper documentation is submitted. Furnishers are prohibited from re-reporting the blocked item unless they certify its accuracy. Since this account is fraudulent, such certification can not be made. 
FCRA 623 ( a ) ( 6 ) prohibits a furnisher ( Bank of America ) from continuing to provide information about an account after being notified it is the result of identity theft. By allowing Bank of America to re-furnish this account, XXXX  is enabling ongoing violations.

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 2025-09-02 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-02 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief