vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
The loan servicer company had changed many times and I was unable to get in contact with the correct provider to let them know that my loans were in deferment and should not have accrued interest. Before I could rectify the issue, 11 counts of 90 days late hit my credit report and many attempts to have this removed have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is not a duplicate complaint. This is a new complaint documenting Fifth Third Banks ( FTB ) fraudulent misuse of the CFPB complaint system through deliberately misleading responses that fail to address my concerns, violating FCRA 1681s-2 ( b ). FTB inaccurately reports my secured credit card ( XXXX ) closure date as XX/XX/XXXX instead of XX/XX/XXXX ( bank statements verify actual closure in XX/XX/XXXX ) on XXXX XXXX XXXX XXXX. Despite four previous CFPB complaints ( e.g., ID XXXX ) and over a dozen individual disputes since XXXX with all 3 CRAs and directly with FTB including certified mail to FTB, FTBs responses ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all repeat boilerplate denials without actually addressing the obvious evidence of their own statements disproving their reporting errors. These errors caused my XX/XX/XXXX home loan denial, lost wages, and great emotional distress. 

FTBs evasive replies abuse the CFPB process, undermining consumer protections. This complaint should trigger an active investigation into FTBs systemic FCRA violations and CFPB misuse ; requiring A SPECIFIC RESPONSE to answer for their obvious reporting errors instead of boilerplate carbon letters claiming they did nothing wrong when they clearly did. This complaint should be supported by a supervisory review of FTBs practices as they respond in a timely fashion but they dodge accountability by claiming no wrongdoing in the face of overwhelming and damning evidence to the contrary in four previous complaints... 

XXXX XXXX XXXX XXXX FTB will undoubtedly be responding with more of the same copy and paste of " were sorry but we did nothing wrong '' to limit their own liability in spite of overwhelming evidence of bad faith and improper reporting. This ( and their four previous replies ) are clear proof of their systematic method of cheating the system and how they commit fraud upon the CFPB by checking the box of being responsive when they really do not respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: WA

Complaint narrative:
XXXX. I tried calling one time earlier and then today I tried calling with no response i am trying to close this account. I have a XXXX limit and XXXX year annual. With 35 %. I dont have dates but I have tried multiple times over the past year.

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 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
Back on XX/XX/XXXX I submitted an application to switch out of the SAVE plan to the IDR plan so I can continue my PLSF journey. When I called MOHELA on the phone, they told me that I should switch successfully approximately within the XXXX XXXX XXXX period. Now on XX/XX/XXXX I got a letter in which now I am getting interest. See all my attachments as evidence. 

I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-03 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: GA

Complaint narrative:
I am submitting this written statement to formally report that I am a victim of identity theft. My personal information was used without my consent to open fraudulent accounts and/or generate unauthorized inquiries on my credit report. I did not authorize or open these accounts, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them blocked, investigated, and permanently removed. 

Details of the Dispute : The following accounts currently listed on my credit report are fraudulent : XXXX XXXX Charged Off {$160.00} XXXXXXXX XXXX Charged Off {$120.00} XXXX XXXX  Charged Off {$2500.00} XXXXXXXX XXXX  Collection {$580.00} XXXX XXXX Collection {$0.00} balance DEPT OF EDUCATIONXXXX XXXX XXXX XXXX totaling over {$37000.00} All marked past due ( I have no association with these XXXX  loans and did not authorize them. ) I have never opened or authorized these accounts, nor have I given anyone permission to do so on my behalf. 

Formal Request for Investigation and Debt Verification : Pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), I am formally requesting the immediate blocking and deletion of these fraudulent accounts and inquiries from my credit file.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I request full debt verification. Unless you can provide documented proof including signed applications or agreements showing I authorized these accounts, they must be deleted from my report without delay. 

Compensation for False Verification : In accordance with FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts are falsely verified as valid despite my identity theft report, I may pursue statutory damages of {$1000.00} per violation. 

Supporting Documentation Attached : Identity Theft Report ( Police Report or FTC Affidavit ) Copy of my government-issued photo ID Proof of current address ( utility bill, lease, or bank statement ) Requested Actions : Immediate deletion and blocking of all disputed fraudulent accounts and inquiries Debt verification for each account listed Written confirmation that these items have been removed from my credit report Proof that each furnisher has been notified and instructed to cease reporting unverifiable information An updated copy of my corrected credit report Please confirm in writing that you have received and processed this request in compliance with the FCRA. Failure to respond or comply may result in further legal action or a formal complaint to the CFPB.

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 2025-06-03 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:
I am submitting this written statement to formally report that I am a victim of identity theft. My personal information was used without my consent to open fraudulent accounts and/or generate unauthorized inquiries on my credit report. I did not authorize or open these accounts, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them blocked, investigated, and permanently removed. 

Details of the Dispute : The following accounts currently listed on my credit report are fraudulent : XXXX XXXX Charged Off {$160.00} XXXXXXXX XXXX Charged Off {$120.00} XXXX XXXX  Charged Off {$2500.00} XXXXXXXX XXXX  Collection {$580.00} XXXX XXXX Collection {$0.00} balance DEPT OF EDUCATIONXXXX XXXX XXXX XXXX totaling over {$37000.00} All marked past due ( I have no association with these XXXX  loans and did not authorize them. ) I have never opened or authorized these accounts, nor have I given anyone permission to do so on my behalf. 

Formal Request for Investigation and Debt Verification : Pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), I am formally requesting the immediate blocking and deletion of these fraudulent accounts and inquiries from my credit file.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I request full debt verification. Unless you can provide documented proof including signed applications or agreements showing I authorized these accounts, they must be deleted from my report without delay. 

Compensation for False Verification : In accordance with FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts are falsely verified as valid despite my identity theft report, I may pursue statutory damages of {$1000.00} per violation. 

Supporting Documentation Attached : Identity Theft Report ( Police Report or FTC Affidavit ) Copy of my government-issued photo ID Proof of current address ( utility bill, lease, or bank statement ) Requested Actions : Immediate deletion and blocking of all disputed fraudulent accounts and inquiries Debt verification for each account listed Written confirmation that these items have been removed from my credit report Proof that each furnisher has been notified and instructed to cease reporting unverifiable information An updated copy of my corrected credit report Please confirm in writing that you have received and processed this request in compliance with the FCRA. Failure to respond or comply may result in further legal action or a formal complaint to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In mid XXXX, while employed at TD Bank, I opened a TD credit card specifically under the employee program, with the understanding that certain performance-based benefits or bonuses would be applied, as promoted during onboarding and internal communications. 

As my financial situation became more difficult in XXXX and XXXX, I acted in good faith by reaching out five months prior to the account being charged off to request assistance. I submitted multiple requests for help through secure messaging on the TD app, via phone calls, and by email to TD Bank representatives. Despite these efforts, no one followed up to discuss payment arrangements, hardship options, or any resolution plan. 

In XXXX, I again submitted supporting documentation verifying my employee status and performance metrics tied to the promised bonus. As of today, it has been over 24 days since that documentation was submitted with no response from TD Bank. 

TD Bank ultimately charged off the account, severely impacting my credit. This occurred despite my proactive attempts to prevent that outcome and without any formal outreach from the bank. I believe this was both procedurally negligent and unfair, especially given that I never intended to evade repayment and consistently sought resolution in advance. 

Im asking for a full review of this matter, a formal response from TD Bank, and consideration for the credit reporting impact that resulted from their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I received a pending refund of {$1800.00} from XXXX on XX/XX/XXXX. It was immediately credited to my Robinhood Spending account, and I transferred the funds to my Robinhood Brokerage account and used approximately {$800.00} to purchase XXXX. 

Several days later, on XX/XX/XXXX, Robinhood reversed the {$1800.00} deposit, resulting in a negative balance of - {$1000.00}. I was informed that I had reversed the transaction, which is not possible because the original transaction was a refund issued by the property rental service XXXX. 

I contacted XXXX, and they confirmed they did not reverse the refund and that the funds typically take 57 business days to process. Today is XX/XX/XXXX, and the error has not been corrected. 

I spoke with Robinhood support for over 30 minutes, but they were unable to explain the reason for the reversal or confirm whether the initial deposit was provisional and subject to reversal. 

I believe Robinhood may have reversed the deposit before XXXX refund was fully processed. As a result, I am now being held liable for a negative balance due to a processing or timing issue beyond my control. 

I am requesting a full investigation and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a complaint against National Credit Adjusters for reporting inaccurate and unverifiable information on my credit report. This account is negatively impacting my credit profile, and I have formally disputed it with the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to request a reinvestigation of any information I believe to be inaccurate. The credit bureaus are required by law to verify the accuracy of the information within 30 days or remove it. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that any information that can not be verified must be deleted. Under 15 U.S.C. 1681e ( b ), the credit bureaus and data furnishers must ensure the maximum possible accuracy of any information reported. Under 15 U.S.C. 1681b, no entity has the right to access or report information on my credit without a permissible purpose, and continued reporting of unverifiable accounts is a violation. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), National Credit Adjusters is required to provide proper validation of the debt, including the original signed contract bearing my signature, upon request. To date, I have not received any valid proof of the debt or a copy of the original signed contract. 

National Credit Adjusters is reporting an account in the amount of XXXX XXXX {$310.00} * * under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate deletion of this account from all credit bureausXXXX XXXX and XXXXand a written confirmation of this action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. These fraudulent accounts consist of charge-offs, collections and inquiries that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud. According to FCRA 15 U.S.C 1681a ( 2 ) ( A ) ( I ) These accounts listed below is reporting illegally.Transactions and experiences between consumer and person furnishing report is Prohibited by law, please delete * SEE ATTACHMENT * 1.XXXX XXXX account number:XXXX Date Opened:XXXX 2.XXXX XXXX account number:XXXX  Date Opened:XXXX 3. XXXX XXXX XXXX account number:XXXX Date Opened:XXXX 4. XXXX XXXX XXXX  account number:XXXX Date Opened:XXXX 5. XXXX XXXX XXXX account number:XXXX  Date Opened:XXXX 6.AXXXX XXXX  account number:XXXX  Date Opened:XXXX 7.XXXX XXXX XXXX  account number:XXXX  Date Opened:XXXX 8.XXXX XXXX XXXX account number:XXXX  Date Opened:XXXX 9. XXXX account number:XXXX  Date Opened:XXXX  10. XXXX XXXX XXXX inquired on XXXX 11. XXXX XXXX XXXX  inquired on XXXX 12. XXXX XXXX XXXX inquired on XX/XX/XXXX These accounts have resulted in several hard inquires and fraudulent collections appearing on my consumer FICO credit reports. I demand the aforementioned fraudulent items be removed from each of my consumer reports and cease all collection activity related to said items pursuant to my rights within the FCRA and FDCPA laws.

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