vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/year> I noticed there were XXXX XXXX charges for the exact same amount of {$3400.00} to XXXX different persons. Neither of these persons are in my phone contacts. The bank denied payment to XXXX XXXX but paid XXXX XXXX {$3400.00} XXXX immediately called the Bank of America XXXX line and reported both XXXX charges as fraudalent. I was told on the phone that charges were pending and would be blocked. At the same time my wife went directly to our bank and got them to call the fraud department. We were advised to close our account and open a new one which we did. We were told that XXXX XXXX went through. We did not approve any XXXX payments on XX/XX/year>. 
Our claim was denied. I have requested the documents that bank used in denying our claim. I have not received them yet.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against NewRez Mortgage regarding an urgent issue with my conventional home mortgage account. 

On XX/XX/year>, I attempted to log into the NewRez website to create my payment schedule. However, upon logging in, I received an error message stating : " The loan is in active bankruptcy. Please contact the bankruptcy department to service this loan. '' As a result, I was unable to access my account or make my regular mortgage payment. Furthermore, my ability to view and confirm my escrow account details, including the home insurance fee due by XX/XX/year>, was also blocked. 

I want to emphasize that neither my spouse nor I have ever missed a mortgage payment or filed for bankruptcy. Additionally, our XXXX XXXX is XXXX, reflecting our commitment to maintaining financial responsibility. Despite these facts, NewRez Mortgage 's website and app are showing incorrect information regarding my loan status, leading to significant confusion and frustration. 

To address this issue, I took the following actions : XX/XX/year> I called NewRez customer service, but the representative was unable to provide any resolution or explanation for the issue. 

XX/XX/year> I submitted a request through the NewRez app explaining the situation and requesting that the error be fixed. 

XX/XX/year> I sent an email to NewRez 's customer service email address, but have not received a response. 

As of now, the issue remains unresolved, and I am concerned about the impact this XXXX have on my ability to manage my mortgage and make necessary payments on time. Despite my clear communication and repeated attempts to resolve the matter with NewRez, the company has failed to provide a solution or clarification. 

I kindly ask the CFPB to intervene and assist in resolving this issue promptly. I believe that NewRez Mortgage 's handling of this situation is unfair and improper, and I seek immediate action to correct the error regarding the bankruptcy status of my loan. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this issue is resolved as quickly 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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I previously sent a written validation request to Portfolio Recovery Associates regarding the collection account they are reporting on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In that letter, I requested proof of ownership of the alleged debt and documentation to validate their claims, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
To this day, I have not received any of the documentation outlined in my validation request. I am now submitting this complaint through the CFPB platform to document my efforts and ensure that Portfolio Recovery Associates is held accountable. 
Attached is another copy of my validation request. In addition to the documents already requested, I am asking Portfolio Recovery Associates to provide the following additional and relevant information necessary to verify the accuracy and completeness of the account they are reporting to the credit bureaus : The Date of First Delinquency, The Date the account was charged off, The Date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I reserved a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$690.00} with XXXX miles included, plus {$390.00} for XXXX extra miles ( total expected ~ {$1500.00} ). When I arrived, they said the XXXX was unavailable and forced me into a XXXX rental with undisclosed fees. They charged me thousands in add-ons I never agreed to : a luxury fee, loss of use waiver, forced insurance ( despite my existing full coverage ), and extra mileage I did not use ( invoice shows XXXX miles driven, but I was billed for XXXX extra miles ). 

The merchants own website advertises free rides to and from their location, but I was told to pay for XXXX both ways. They also consistently avoided responding in writing and would only call me. 

My Robinhood card was charged about {$4000.00}, and my XXXX XXXX XXXX was charged about {$700.00}. I filed a dispute with Robinhood, but they denied it, saying services rendered because I received a car. This ignores the fact that I was misled, charged for services not provided, and hit with undisclosed junk fees.

I am requesting that Robinhood properly investigate this billing error and reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: LA

Complaint narrative:
My boyfriend has been receiving threatening and harassing phone calls from People that claim to be managers and legal department at this debt collection agency. He told them we were not married but they insisted he could be held financially liable for these debts. He even offered to make a settlement agreement in order to avoid a lawsuit but they kept insisting we pay the full amount or suit would be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a repossession account with XXXX XXXX XXXX on XX/XX/year> that is being reported on my credit file by Experian. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the bureaus and furnishers are required to verify the accuracy of disputed information within 30 days. 

To date, I have not received any documentation or validation supporting the accuracy of this repossession. Continuing to report it without verification is a violation of the FCRA.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the following inaccurate tradelines and inquiries that Experian is reporting. This information is false, unverifiable, and in violation of the Fair Credit Reporting Act. 
Disputed Accounts XXXX. XXXX XXXX Acct XXXX o Conflicting status dates : simultaneously reported as Closed XX/XX/XXXX, In Good Standing XX/XX/XXXX, and Closed XX/XX/XXXX. 
o XXXX history falsely reports 100 % on-time while also showing XXXX / {$620.00} XXXX XXXX. 
o A closed account can not legally carry a past due. 
XXXX. XXXX Acct XXXX o Reported as both Charge-Off and Paid in Full for Less than Full Balance these are contradictory. 
o XXXX percentages ( 60 % on-time ) conflict with late history and misrepresent creditworthiness. 
XXXX. XXXX XXXX  XXXX  Acct XXXX o Shows Charge-Off and Unpaid Balance as Loss while balance and past due are {$0.00}. 
o Impossible payment history : 0 % on-time despite being closed with {$0.00} balance. 
Disputed Inquiries The following inquiries were made without my full, informed, written consent under FCRA 604 and therefore are unauthorized : XXXX XXXX XX/XX/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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: VA

Complaint narrative:
I previously sent a written validation request to First Credit Services regarding the collection account they are reporting on my credit report XXXXXXXX XXXX XXXX XXXX XXXX. In that letter, I requested proof of ownership of the alleged debt and documentation to validate their claims, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
To this day, I have not received any of the documentation outlined in my validation request. I am now submitting this complaint through the CFPB platform to document my efforts and ensure that First Credit Services is held accountable. 
Attached is another copy of my validation request. In addition to the documents already requested, I am asking First Credit Services to provide the following additional and relevant information necessary to verify the accuracy and completeness of the account they are reporting to the credit bureaus : The Date of First Delinquency, The Date the account was charged off, The Date the account was acquired by or assigned to First Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$3200.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$580.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-10-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is a formal dispute submitted through the CFPB concerning unauthorized inquiries that appear on my Equifax credit report. I am attaching my dispute letter with the details. The inquiries in question are : XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XXXX XXXXXX/XX/year>2024, XXXX  XXXX XXXX XXXXXX/XX/year>2024, XXXX XX/XX/year>2024. 
I am using the CFPB process to ensure that Equifax receives this dispute, processes it in accordance with the Fair Credit Reporting Act ( FCRA ), and provides a response within the timeframe required by law. I trust that this complaint, along with my letter, will be forwarded to the credit bureau for proper handling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Dave Operating, LLC
State: TX

Complaint narrative:
This morning my check deposited into my dave checking account and in my current living situation we stay in a room so we went down there to pay it they lady said our total was XXXX but when i checked my account i was charged XXXX and i brought that to their attention and they said i had to use that form to get my money released, the manager refused to sign it so im contacting you guys bc dave giving us a hard time releasing MY money MY MONEY! hoping you guys can contact them and make them release my money i need money to feed my family we are starving because they decided to take my money and then give me the run arounds saying i have to wait for it to post or finalize bc its still pending but i dont give a XXXX i want my XXXX money tf back they owe us XXXX $ dollars and i want my XXXX money

Company response to consumer: Closed with explanation