vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I wanted to make sure I legit owe this company. I asked for proof of the account XXXX and still have not heard back from them it has been months. 
I also tried to make arrangements for account XXXX which they say I owe XXXX. Still will not send proper proof I owe. 
I also read up on this company and learned that they have been found guilty of fraudulently collecting from consumers. 
Can you please assist in making sure this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have always used CapitalOne bill pay with no problems. On XX/XX/XXXX I used bill pay to make my car payment of {$700.00} to XXXX XXXX XXXX XXXX. As of today XXXX XXXX have not received my payment. I have contacted Capital One one several occasions to try and resolve this dispute. I have filed two official complaints and each time I am told that they have investigated and find NO PROBLEM. I continue to get the runaround, Capital One will not allow me to speak with any supervisor or knowledgeable person that can help resolve this problem. All I want is the {$700.00} found and either returned to me or pay XXXX XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Francy Law Firm, P.C.
State: CO

Complaint narrative:
I cosigned for a car loan for my daughter and my son was killed a month later and the family just fell apart. we both lost our jobs and she went to rehab. We were able to make payments for about a year before XXXX our of money. 
Now XXXX is suing me for XXXX the creditor is Francy law firm and they have told me lie after lie! The first time I received court papers they told me not to go to court that all they were doing was tryinf to garnish my wages but they knew that I wasnt working and they were really getting a judgment against me to drain my bank account. Im still not working and will be getting XXXX soon. They put a lein on my house and drained my bank accout and took over XXXX leaving me overdrafed by XXXX. Colorado XXXX says that they have to leave you XXXX in your account and they even addmitted that in court but they didnt do that. they even took a XXXX cd that they cant touch either according to the law. we have another hearing on XX/XX/XXXX because the judge was not familiar with the law XXXX XXXX  all that money in that account came from capital gains and the law says that they cant take that either. 
they took all my money and have had it since XXXX XXXX unable to pay my bills, I have no car insurance no home owners insurance and I cant pay my home taxes that are over due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX Balance : {$1500.00}, XXXX Date of XXXX XX/XX/XXXX & XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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:
" 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 explanation
Consumer complaint received 2025-03-19 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: AL

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have a Chase XXXX credit card. We have had a credit limit of {$100000.00} for a considerable amount of time, multiple years. For the last few years the credit used has been maintained around {$70000.00} - {$75000.00}. Recently as cash flow has slowed down the balance standing on the card has increased to {$90000.00} - {$95000.00}. We have continuously made payments at or ABOVE the minimum payment due.

Yesterday WITHOUT WARNING Chase decreased the credit limit to {$85000.00}, making this account in effect frozen. This is a very big problem not only because we were given NO warning or notice that this would be happening. This is a BUSINESS card and many automatic payments are made on this card and we have been left to scramble to find alternatives. 

When we called the only reason they gave is that we were holding a higher balance... that was XXXX. The balance is/was BELOW our previous credit limit and we have ALWAYS made payments WELL ABOVE the minimum payment due. We have only had XXXX late payment in the 16 YEARS we have had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I set up automatic payments on my XXXXXXXX XXXX XXXX issued by Wells Fargo. The automatic payment was made on XX/XX/XXXX but did not apply. Wells Fargo did not inform me any issue, and the processing failure only showed up online on XX/XX/XXXX ( 14 days later ), together with an interest charge of {$240.00}. Wells Fargo never informed me the processing issue, despite my checking account has sufficient funds. I found out myself about the processing issue and manually paid right away on XX/XX/XXXX. 

The interest charge seems excessive. Wells Fargo should inform me right away for the payment processing error so that manual payments would be attempted again right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfolio Recovery Associates Representative, I recently received a notice from your agency regarding a debt you claim I owe, associated with Reference Number : XXXX. Before proceeding, I am requesting formal validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) to ensure its accuracy and legitimacy.

Please provide the following information : 1. Verification that this debt belongs to me, including a signed agreement or contract with the original creditor.

2. A detailed breakdown of the amount claimed, including principal, interest, fees, and any payments made.

3. The name and contact details of the original creditor, along with proof that the debt was transferred or sold to your agency.

4. Proof that your agency is legally authorized to collect this debt in my state.

Until I receive this documentation, I am disputing the validity of this debt. I also request that all collection efforts, including credit reporting, be paused until proper validation is provided. Additionally, I ask that you communicate with me only in writing moving forward. 



If you can not provide proper validation, I will consider this debt invalid and report any violations to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general. 



Please respond within 30 days of this email. I appreciate your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX That was emailed to them XXXX and no response was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/year>, at XXXX, my account, which holds over {$300000.00} in value and serves as my primary source of income through weekly options trading, was unexpectedly restricted. 

I immediately contacted customer support to address the issue. When I inquired about the estimated timeframe for my accounts reactivation, the representative did not provide a clear answer and instead asked if I use a VPN. When I repeated my question, the agent simply stated that they did not know. 

I then explained that I have active options contracts and that my inability to access my account prevents me from managing my positions, potentially leading to financial losses. The representative appeared unfamiliar with Robinhoods options trading services and asked, What kind of contract? indicating a concerning lack of knowledge. 

Following this call, I received an instruction to change my password via email. However, after doing so, my account was further restricted pending identity verification. When attempting to upload the required documents, I was redirected back to the main page, creating an endless loop. Additionally, any attempt to request assistance prompts me to sign in, which I am unable to do due to the account restriction. 

Upon reaching out via email, I received generic instructions on how to reactivate my accountsteps that are ineffective due to the ongoing lockout. Despite multiple email exchanges, I continue to receive the same automated responses without any resolution or acknowledgment of my financial losses resulting from my inability to manage active trades. 

This situation is causing me significant financial harm, and I urgently require assistance from a knowledgeable representative who can resolve this matter. Robinhood is not only restricting access to over {$300000.00} of my funds but is also causing financial losses on my active trades by preventing me from managing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
please remove inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my last credit report I realized that I have XXXX hard inquiry that I do not recall and that I have not given the consent to pull. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I transferred {$5000.00} from my XXXX  XXXX savings account to my prepaid current account last week. Then I got an email from them requesting a copy of my Drivers License and my last bank statement and they asked me to take a selfie while holding my drivers license. I complied and immediately sent them my information and I got an email from them this morning saying my {$5000.00} was available and my account is still restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I signed up with Wells Fargo in XX/XX/year>. I made sure I signed up for overdraft so that accounts could possibly be paid if my balance is less than the amount presented. I'm on a fixed income and bills sometimes exceed my balance, thus the reason for having overdraft. Wells Fargo has constantly declined payment with explanation : '' It's at the bank 's discretion. '' I've called continuously for an explanation for all declines every month since my account opening. What is the criteria for declining payment if I have overdraft. No one explains why and all repeat : '' It's at the bank 's discretion. '' This is why I'm writing to you. It is a misrepresentation and borders on fraud. How do you offer what is never applied. I am frustrated and need answers.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I attempted to move money from my high yield savings account with flagstar and had to answer XXXX self identifying questions, which the system said i did incorrectly. I called flag star and they have said that they can only email the back office to have them call me in the next XXXX hours to ensure it was me trying to access the account. I have not received that call and have called back XXXX more times to flagstar with the same road to resolution that they would call me. this has take over XXXX weeks now to get my money moved.

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