vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Companies failed to meet expectations. Failed to comply with consumer laws and violated my rights. I hear by request that all steps be followed to ensure my satisfaction. 

XXXX XXXX -debt collector account name Auto loan -dispute type Amount reported : XXXX ExperianXXXX XXXXXXXX Date opened XXXX Date XXXXXXXX XXXX- debt collector account Secured loan Balance : {$430.00} Original balance XXXX Date opened XXXXXXXX XXXX XXXX XXXX XXXX debt collector Account type : Collection Amount reported XXXX $ Date XXXX XXXX XXXX XXXX XXXX  Account type : secured loan Amount : {$720.00} Date opened XXXX Date closed XXXX Amount XXXX is paid and showing closed but still reporting on credit report

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 2025-07-31 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
XXXX  account services is a violation of the fair credit reporting act 15 usc 1692g in various subsections on the 15 USC 1681 this debt has not been validated or proven that XXXX  account services owns the debt and or not provided lawful notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My loan is on XXXX and its showing late in my credit score

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
They hacked XXXX insurance emails and pretended XXXX agents send me receipt and make me pay XXXX insurance premium and l did. Than they stole my XXXX  bank information after first ach payment {$1700.00} after they drained {$46000.00} MY BANK OF AMERICA business account. l kept called, go to branch in person, emailed, called but BANK OF AMERICA never stopped them and kept paid paid until all my money gone. They blocked my account after my money finished for investigation after a month, they said valid transaction and they blamed me and canceled my XXXX accounts. They Kick me out from bank of america.. 
First the bank said lve gave them my account information and denied my claim XXXX time lve requested IP address money sent from .. l need help

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 2025-07-31 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> XXXX The XXXX is furnishing non-credit data inaccurately, I never consent to this being shared with credit agencies. its causing harm and is a civil rights violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I mailed a certified letter to Monarch Recovery Management requesting full debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Their office received it on XX/XX/year>. I have not received any clear or complete validation in response to my request. 

If any letter was sent, it did not include the required documents, such as the original creditors name/address, a breakdown of the charges, or proof that I am legally obligated to pay the debt. 

Monarch continues to report this account to all three credit bureaus despite not verifying it, which violates FDCPA 809 and FCRA 611. I am requesting that they cease all collection activity and have the account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Hi, I recently reviewed a copy of my credit report and noticed there are some unauthorized items on my account affecting my credit health.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-31 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED WITHOUT MY AUTHORIZING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED WITHOUT MY AUTHORIZING.

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 2025-07-31 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: IL

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
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 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 2025-07-31 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, the owner of XXXX XXXX XXXX XXXX, a legally registered transportation business located at : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 
Email : XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ) : XXXX I am writing to file a formal complaint against my current payment processor XXXX XXXX XXXX XXXX associated entity XXXX XXXX which has unjustifiably terminated my merchant account and is withholding funds that I have earned for more than three weeks without releasing or providing any detailed explanation. 

On XX/XX/XXXX, I received a termination letter stating that my account would be closed on XX/XX/year>, due to my business being high-risk, without any concrete supporting evidence or justification. While I respect their internal risk policies, they are refusing to release the funds I have rightfully earned for completed and delivered services. They also indicated that the funds may be withheld for up to 180 days, based solely on vague contractual language. 

This action has created a severe financial hardship for me and my family. I am currently unable to pay my rent, insurance, fuel, and other essential business and personal expenses. Their withholding has effectively paralyzed my business operations and put me at risk of default on multiple obligations. 

I have provided Worldpay with all necessary documentation, including : Proof of completed deliveries, Invoices from my client ( XXXX XXXX ), Authorization to use the payment card, Clear and verified business purpose for each transaction. 

Despite this, they have failed to communicate any clear reason for the freeze or a timeline for resolution. I believe this action is arbitrary, harmful, and potentially unlawful. 

I respectfully ask your agency to investigate this matter, ensure that they : Release my earned funds immediately, or provide a legal basis for withholding them, Offer written justification and a breakdown of the amounts being held, Cease any unjustified delays or abusive practices in dealing with small business merchants. 

Thank you for your time and support. I am available for further clarification or documentation as needed. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX Balance {$170.00}

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I placed an order on Robin Hood for {$1100.00} but the XXXX XXXX and XXXX and then went and tried to transfer it after I bought it to my XXXX wallet and it said there was suspicious activity. My account has been locked for going on XXXX XXXX  now I have attempted XXXX times Through email text and requested a phone call from Robin Hood XXXX  times that one call has been made to me to rectify this situation. I have since sold the crypto and its just cash in that account where I would like to remove my cash from this company and send it to another company more reputable. If you call their phone number theres nobody to talk to. Youll be in line to get a call from them and theyll never call or itll just close it out. Its been the worst customer service experience that I have ever had in my XXXX  years of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this formal legal complaint to request officer-level review due to continued violations by the credit bureaus : TransUnion, Experian, and Equifax. Despite prior disputes, each bureau has failed to investigate and correct multiple items that are inaccurate, incomplete, and legally unverifiable, in violation of : Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, 1681s-2 ( b ), and 605 ( a ) ( 5 ) Uniform Commercial Code ( UCC ) 3-305, 3-501, and 9-210 Specific Issues in My Report : XXXX. XXXX XXXX Charge-Off Marked as profit/loss but debt was already satisfied through trust or insurance ( i.e., the company was compensated ). 
Reporting this as a charge-off is double-collection, misleading, and unlawful. 
Demand : Permanent deletion due to prior payment and misrepresentation. 

XXXX XXXX Charge-Off Same as above. Profit/loss status = already paid. 
Demand : Deletion under UCC 3-305. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX  ) Late Payments Account is open and current. No late payments in over a year. 
I completed their hardship program, and have paid in full monthly since. 
Reporting of past delinquencies is outdated, punitive, and inaccurate. 
Demand : Remove all late marks per FCRA 1681e ( b ) and 605 ( a ) ( 5 ). 

XXXX. XXXX XXXX  XXXX Payments Also current and in good standing. 
Past late payment being reported is inaccurate this account was set on auto pay during the time they are reporting this. The account also had been paid every month Demand : Remove all past late marks. 

XXXX. XXXX XXXX XXXX Unknown Tradeline I never authorized, applied, or transacted with this company. 
Demand : Immediate deletion as this is unverifiable and unauthorized ( FCRA 1681b and 1681i ).

6. Unauthorized Inquiries ( Hard Pulls ) The following companies ran unauthorized hard inquiries without my consent : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None were approved by me in writing or electronically. These are clear violations of FCRA 1681b ( c ) permissible purpose rule. 
Demand : Permanent removal of these inquiries. 

Additional Notes : I was a confirmed victim of the Equifax data breach. 
These inaccurate entries are damaging my credit and ability to secure stable housing, financing, and insurance. 
The credit bureaus have not conducted proper investigations or provided documentation as required under FCRA 1681i ( a ) ( 5 ).

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