vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
Hi am identity theft victm and I did not comit the crime. Dismis chargs. I did report the identity theft on one ocasion to the Federal Trade Commission and attach Federal Trade Commission 's Identity Theft Affidavit

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 2025-07-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint due to ongoing collection attempts by Conrad Acceptance regarding a timeshare purchase that was legally canceled in 2014. Per the letter attached, the original resort explicitly acknowledged that my cancellation request was received on XX/XX/year> well within the legal rescission period, which ended on XX/XX/year>. 

Despite this written acknowledgment, the resort refused to honor the cancellation and later transferred the account to Conrad Acceptance, who is somehow inahoots with them.

I have sent multiple letters requesting resolution. My advocate followed up directly with both the resort and Conrad, but neither party has responded. Meanwhile, Conrad continues to send collection notices, trying to collect on a debt that should never have existed. 

This has gone on far too long. Continuing to pursue this debt is not only unethical, its unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: VA

Complaint narrative:
I am disputing multiple collection accounts and student loan entries currently appearing on my credit report. These accounts are either inaccurate, unverifiable, or potentially reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I did not receive proper validation or written notice regarding several of these debts, and some may be beyond the allowable 7-year reporting period under FCRA 605 ( a ). I have contacted the credit bureaus and/or collection agencies and requested verification of these debts in accordance with FCRA 611 and FDCPA 809 ( b ). However, to date, no sufficient proof has been provided to validate the accuracy or legal responsibility of these debts.

Additionally, some accounts may be duplicates or contain reporting errors. As these accounts remain on my credit report without valid documentation or proper dispute resolution, I am requesting that the CFPB assist in investigating this matter and ensuring the removal of all unverified and inaccurate collection and student loan entries from my credit file. 

I am simply asking for full compliance with federal law and for these negative entries to be removed if they can not be properly validated.

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 2025-07-23 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: VA

Complaint narrative:
I am disputing multiple collection accounts and student loan entries currently appearing on my credit report. These accounts are either inaccurate, unverifiable, or potentially reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I did not receive proper validation or written notice regarding several of these debts, and some may be beyond the allowable 7-year reporting period under FCRA 605 ( a ). I have contacted the credit bureaus and/or collection agencies and requested verification of these debts in accordance with FCRA 611 and FDCPA 809 ( b ). However, to date, no sufficient proof has been provided to validate the accuracy or legal responsibility of these debts.

Additionally, some accounts may be duplicates or contain reporting errors. As these accounts remain on my credit report without valid documentation or proper dispute resolution, I am requesting that the CFPB assist in investigating this matter and ensuring the removal of all unverified and inaccurate collection and student loan entries from my credit file. 

I am simply asking for full compliance with federal law and for these negative entries to be removed if they can not be properly validated.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/year>, I reported two charges I didnt recognize as fraud. Bank of America issued me a provisional credit of {$430.00} while they investigated the case. 

Later, I realized that the charge was from my car insurance, which my mother had paid using my card. The insurance company returned the payment directly to the bank, and the second charge attempt was never processed. 

Despite this, in XX/XX/year>, the bank closed the case and withdrew {$430.00} from my account. 

This was a mistake, as the money had already been refunded by the insurance company, so the bank had no reason to take it back from me. 

As a result, my account was overdrawn, and I was unable to use it for over a month. On top of that, my car insurance was canceled and had to be reopened at a higher monthly rate. 

Ive called and visited the bank multiple times to explain the situation, but I have not received a resolution. 

I respectfully request a full investigation and a refund of the {$430.00} that was wrongfully taken from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for continuing to report a collection account on my XXXX  credit report despite a formal dispute submitted on XX/XX/year>. 

The account is allegedly tied to XXXX Bank, but no supporting documents, signed agreement, or billing history has been provided to validate the debt. 

This account is not reported on XXXX  or XXXX, which reflects inconsistency and undermines its accuracy. 

Portfolio Recovery is violating : FCRA 1681s-2 ( b ) : Failure to validate the debt after dispute FCRA 1681e ( b ) : Inaccurate and inconsistent reporting FCRA 1681c-2 : I assert my right to block unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I initiated a balance transfer offer from Huntington Bank on XX/XX/year>. I filled out the application to have Huntington send over a large sum of money to an existing card account I have with XXXX Bank. 

Huntington sent the check out to XXXX to pay off that card, so I could hold my balance with Huntington and pay them and no longer owe XXXX anything. 

After about two weeks, I was concerned about the payment not applying to my XXXX account, so reached out, and they advised me to wait longer for the check to be processed. Little did I know, that at this time, the check was already negotiated and deposited into an account. They assured me the issue was on XXXX 's end. At this point, and for weeks following this, they refused to provide me a copy of the check via mail ( tried twice with NO proof of the check included in mail correspondence despite me requesting it ). At this point, it is late XXXX and still no payment. 

I inquired about this at a Huntington Branch where the Branch Manager was able to show me and provide me a copy of the check. No one at Huntington was aware enough to see that the check was processed by XXXX XXXX BANK, not XXXX. My money for this balance transfer was sent to a completely different bank, who I do NOT bank with! 

They advised me to set up a fraudulent check paperwork with XXXX, but XXXX has never had the money, and Huntington is refusing to credit my account the large sum of money because " someone already deposited the money they sent. '' Well, that is frankly not my problem, and I am continuing to hold this balance on two separate cards for almost three months at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: ND

Complaint narrative:
I have an account on Robinhood and my account has been restricted for weeks and I am unable to take out any money and they have no responded to any of my emails or given me any information on why my account has been restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: DC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I reside at creekside XXXX apartments in XXXX. My my lease was from XX/XX/XXXX XXXX thru XX/XX/2025. I went to the office around the mid part of XXXX to talk about turning in my keys I was approached about the Assist manager name is XXXX XXXX. She stated, your lease is up XXXX the XXXX, I said no it's XXXXShe said well they signed a paperwork wrong and you're supposed to leave in the end of XXXX. By this time paperwork wasn't filled out correctly so she had me to resign paperwork which allowed me to stay through XXXX XXXXshe went on to tell me I had a balance because of XXXX haven't been paying all of their portion of the rent and this happen all time. The case manager was new and she did not know and admitted.XXXX stated even though they did not pay all of their portion it's still your responsibility. The apartment complex did not make me aware of this until 30 days of my departure. I contacted my case worker t, she assured me XXXX this is my fault due to lack of training and throwing me in a position with very little training. She would take care of It and I believe her. Once I move out cleaned the apartment turn in keys called back to ask for an Itemized break down of what I owe. They never answered the phone for XXXX weeks.Contacted my case worker to see the balance my case worker said XXXX don't call them any more I will handle it.I said okay. I didn't see it on my credit XXXX, XXXX or XXXX. I thought everything was ok. My case worker stated they had agreement she would pay her portion.clear my turn in the keys and I only did when I left the apartments I called back and ask him where could I get a balance or what I've owed because she couldn't tell me what my balance was due to the fact I spoke to my case manager and I think her last words to me was XXXX XXXX will take care of It. I forgot I did get in touch wth corporate within them 2 weeks they did give me a balance but I never got an itemized of what I owe what was my balance a breakdown. what was XXXX XXXX.I recently went to go visit them they said we gave it to you they never gave it to me. They gave me a print out sheet and I never got the portion of what was XXXX XXXX. My Complaint if you know that I'm receiving assistance through the state and you have been in this profession for years why would you allow tenants to become victims of case worker negligence. They see these case worker monthly. The apartment complex don't mention until we move out as if we have the money. While causing the tenant to have bad credit unable to lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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