vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I checked my latest credit reports and noticed multiple inaccurate accounts reporting that do not belong to me harming my file. These accounts are not mine and there fir should 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 non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I checked my latest credit reports and noticed multiple inaccurate accounts reporting that do not belong to me harming my file. These accounts are not mine and there fir should 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 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Today XX/XX/year> at XXXX I called Pro Collect at XXXX and spoke to XXXX XXXX XXXX XXXX XXXX to pay a settlement for an apartment collection debt. I asked to speak to a supervisor and she refused to let me. She insisted that I did not have a supervisor issue even though I wanted to let the supervisor know that she was being rude and offensive towards me for trying to get this debt taken care of. I asked repeatedly to please speak to a supervisor and she still refused. She then told me that as of today I would no longer have the option to settle this debt. I was ready to pay them today and she was disrespectful and pushy and wouldnt negotiate with me to let me settle it. I have not received any letters for this debt either so I dont even have this debt validated and am still deciding to just get it settled instead.

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 2025-11-03 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: MS

Complaint narrative:
I am disputing the following accounts, as they do not accurately reflect my credit history : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I never recieved and information from anyone about this account that they say I owe.i dont know what it is, when it is for. 
The account is reference number XXXX. Says I owe {$410.00} This paper is from the Ability recovery services LLC Says my account is with With XXXX XXXX XXXX XXXX XXXXXXXX NEVER HAVE I EVER HEARD OF THIS PLACE.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Robinhood mastercard banking account access restricted. Because of this i could not able to access my money.

Robinhood did not provided any information why they restricted Robinhood customer care also not there, if we try only unique mobile number they say raise request from mobile app, they restricted access to login to account, there is no chance of reaching them After sending multiple emails to only single generic support mail they are not giving why they restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Skopos Financial, LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2.it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Prince Parker & Associates. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Prince Parker & Associates is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Prince Parker & Associates.

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 2025-11-03 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: FL

Complaint narrative:
I have a XXXX XXXX XXXX account that is closed and settled in full. The settlement payment was made on XX/XX/year>. A letter was received on XX/XX/year>, confirming that it was settled IN FULL for less than full balance. 

With them, I also had an XXXX XXXXXXXX. The last statement was on XX/XX/XXXX and I paid the remaining balance on XX/XX/XXXX. 

I have now had XXXX different calls with XXXX and spent over an hour each time on the phone with them. They confirmed that they are closed and that I don't owe anything but refuse to show a XXXX balance saying that's how they keep their records. Yet I am still receiving information from them saying that I either owe a balance or a payment. I told them that continuing to report on a settled account is illegal and they said well it's their records. But it's not their records because it's still showing on my end that I have both a balance and or owe money. 

I understand that the XXXX account for XXXX will likely showed us settled for less than full balance, but settled in full on my credit. But the XXXX should be closed and paid in full. They are refusing to show that there is a XXXX balance owed.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX  - call to collect a secured credit card debit. Requested this debt collector to provide information about the secured credit card in which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TN

Complaint narrative:
I respectfully request that TransUnion review and correct the following items in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My ATM card did not work at XXXX different ATMs. XXXX different locations. I contacted customer service via the live chat option and basically was told by the representative that my card was fine that it had to have been the ATM that was defective. There's no way that XXXX ATMs in XXXX different locations in XXXX different cities can all be defective on my card only. I then contacted phone support and was put on hold for XXXX minutes. When a representative answered she transferred me to fraud and I was put on hold again and waited over XXXX minutes, but I don't have another hour to wait for someone to respond. I ended up just hanging up. It is ridiculous how long you must wait to contact someone only to be transferred to another department and put on hold. Again. I am absolutely disappointed in the customer service and furious that they wasted so much of my time.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I opened a Self Financial account to build my credit. After several months, I saw no improvement in my credit score and decided to cancel the account. I contacted Self Financial around XX/XX/XXXX and asked that my account be closed and late fees be reversed. 

Despite that request, Self Financial continued to attempt automatic withdrawals each month. Because I was no longer using the account, these attempts failed, and I was charged {$60.00} in insufficient fund fees and {$3.00} in late fees. In addition, Self charged me {$67.00} in loan interest and {$0.00} in CD interest, even though the account should have been closed. 

When I called to dispute these charges, I was told there was nothing they could do because the account was already closed. I explained that I had requested cancellation long before, but Self refused to refund any money or correct the situation. 

As a result, not only was I charged unfair fees and interest, but Self also reported the account negatively on my credit report, which caused my credit score to drop.

I am requesting a full refund of all fees and interest, removal of the negative credit reporting, and confirmation that my account is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This letter constitutes XXXX XXXX XXXX ( hereinafter referred to as PWG ) appeal regarding claims submitted to Chase concerning fraudulent activity and unauthorized debits. 

During the period from XX/XX/year> to XX/XX/year> ( Fraud Period ), XXXX incurred substantial financial loss totaling over {$130000.00} ( Loss ) as a result of persistent fraudulent activity impacting both the ACH and checking aspects of our business account with Chase. Upon discovery of the fraudulent activity by our team, we promptly contacted Chase to file the requisite claim ( s ) and establish a new business account to halt the ongoing unauthorized access to our funds and seek reimbursement from Chase for PWGs Loss.

Rather than conducting an investigation into PWGs claims and providing a detailed report on the genesis of such fraud and the preventative measures Chase intended to implement, we were notified by Chase that they would neither investigate nor act upon our claims, citing their submission outside the XXXX window from the occurrence of the fraud. We were not provided with any documentation regarding this XXXX policy at the time we initiated our relationship with XXXX. 

We express profound disappointment with Chases response and lack of action in this matter. The absence of transparency and communication from Chase raises grave concerns regarding their security protocols. The implementation of a robust security program, adhering to the highest industry standards, is not merely sound business practice but a legal mandate for financial institutions such as Chase. For instance, at no point during the Fraud Period did Chase issue any alerts to XXXX regarding suspicious or unusual activity. 

Furthermore, it is concerning that fraudulent activity has been identified in relation to PWGs new business account, in addition to the initially compromised account. This circumstance erodes trust in Chases infrastructure and its adherence to regulatory requirements for privacy and security compliance. 

Given Chases refusal to cooperate with XXXX in this matter, we are seeking assistance from regulatory agencies such as the FDIC and CFPB to achieve an equitable resolution for XXXX, specifically, full reimbursement for the Loss and assurance from Chase that all necessary measures have been implemented to prevent such fraud from occurring in the future. As a small business, any financial loss is devastating, and in our particular case, the significant amount jeopardizes our commercial viability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : FDIC CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # xxxx, XXXX XXXX XXXX # XXXX XXXX XXXX # xxxx, XXXX XXXX # XXXXXXXX XXXX XXXX # xxxx, XXXX XXXX XXXX # XXXX, Bankruptcy case # XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptiy notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-03 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: AL

Complaint narrative:
I am filing a complaint against Experian for reporting inaccurate and misleading information on my credit file. The XXXX account ( partial # XXXX ) is listed as Repossession/Never Late, which is factually inconsistent and violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681i ( a ). 
The account also continues to show a balance of {$17000.00} after a reported repossession in XX/XX/year> and lists a reporting period until XXXX, which XXXX exceed the XXXX limit under FCRA 605 ( a ). I requested Experian to verify or delete this account since it can not be both never late and repossessed.

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 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I was XXXX by this company of ruin my credit and they did! I dont owe them, they ruined my life with a nervous breakdown!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation