vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX was declared a total loss after an accident. XXXX XXXX XXXX ( XXXX ) received insurance and XXXX payments toward the loan, which left a remaining balance of {$200.00}. 

According to XXXX  records, the following payments were made toward the account : - XX/XX/XXXX Insurance payment of {$21000.00} - XX/XX/XXXX Ancillary product refund of {$1500.00} - XX/XX/XXXX XXXX  payment of {$790.00} This left a final balance of {$200.00}, which was confirmed in the Total Loss Final Bill issued by XXXX  on XX/XX/XXXX. However, this letter was sent to my old address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), despite my updated address being on file. As a result, I was unaware that a balance remained. 

Upon discovering the issue, I paid the full {$200.00} on XX/XX/XXXX, exactly XXXX  days after the XX/XX/XXXX due date, which aligns with the final XXXX payment posting. XXXX accepted the payment and issued a lien release, confirming the loan was fully satisfied. 

Despite this, XXXX reported the account to all three credit bureaus ( XXXX XXXX, and Equifax ) as : XXXX, XXXX. {$200.00} XXXX XXXX This reporting is false and harmful, because : - The {$200.00} was not written offI paid it in full, voluntarily. 
- The account was only XXXX  days past due, which is well below the XXXX day threshold typically required for charge-off status based on industry guidelines ( e.g., the Credit Reporting Resource Guide ) .

- There was no loss or settlementXXXX received the full balance and issued a lien release. 
- My XX/XX/XXXX statement showed {$0.00} due, reflecting the total loss settlement and prior payments. 

Worse, after I disputed the inaccurate reporting with all three credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ) and submitted a formal dispute letter directly to XXXX under FCRA 623 ( a ) ( 8 ), XXXX failed to conduct a proper reinvestigation. They misinterpreted my dispute as a goodwill/courtesy removal request, not a legal challenge to inaccurate reporting. Then, they added a second charge-off entry, showing the account as charged off in XXXX and XXXX XXXX it had already been paid in full and closed. 

These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 623 ( a ) ( 1 ) ( A ) : Furnishers must report only accurate and complete information.

2. 623 ( b ) : Furnishers must investigate disputes forwarded by credit bureaus.

3. 623 ( a ) ( 8 ) : Furnishers must reasonably investigate direct disputes from consumers. 

I also maintain a separate, current account with XXXX XXXX XXXX that is in good standing, with no missed or late payments. Account # : XXXX I am requesting that XXXX XXXX XXXX remove the inaccurate charge-off reporting entirely and correct the account to reflect Paid in Full or Closed Paid as Agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
I purchased 2 Vanilla Visa gift cards at a XXXX in XXXX XXXX SC, in the amount of {$100.00} each for my daughter to take to XXXX XXXX on a School Choir Trip in XX/XX/XXXX. Upon her return we checked her balance and one card reflected charges she made on the trip. The second card ( XXXX ) reflected {$0.00} so we so looked up the account online as instructed on the card. There were two ( 2 ) identical charges to XXXX made on the account which we did not initiate thus being victims of fraud. I called the number on the card to contest and was directed back to website to file a grievance complaint. On XX/XX/XXXX, I submitted the grievance and received an auto response with claim number # XXXX, indicating they would research and respond correspondence. I have submitted email requests for follow up as to the investigation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without a response. At this point I am requesting the return of my {$100.00} investment in this card that was fraudulently utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
In XX/XX/year>, while traveling internationally in XXXX, XXXX, my wallet and phone were stolen. My debit card from Bank of America was among the stolen items. I took immediate steps to cancel all my cards and believed I had also contacted Bank of America at that time. Upon realizing I had not, I called Bank of America immediately to report the fraud, freeze my account, and cancel the affected debit card. 

Despite my timely efforts, nearly {$3800.00} in unauthorized ATM withdrawals and purchases were made from my accountsome in XXXX and others in XXXX XXXX. I filed a fraud claim ( ID : XXXX ), and while some of the charges were reimbursed, the bank denied reimbursement for the ATM withdrawals, claiming they were made with the correct chip and PIN. 

What Bank of America failed to take into proper consideration is that my PIN was stored on my stolen phone, which also had access to my email and banking apps. This effectively gave the thief access to both my card and my login credentials. In other words, the fact that the chip and PIN were used does not mean the transaction was authorizedit means the thief had access to my phone and compromised credentials. 

Bank of America has further justified their denial by stating that I did not act with " a sense of urgency, '' which is completely inaccurate and unfair. I acted promptly, and any delay in contacting them directly was unintentional and occurred during the chaos of dealing with a theft abroad. I have since filed a police report and am prepared to provide all supporting documentation. 

The stolen funds were federal student loan disbursements intended for my education and basic living expenses. I am a graduate student, and the denial of my claim has caused serious financial hardship. I believe Bank of America has mishandled this case and failed to consider the realities of modern digital 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 2025-06-11 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On the XX/XX/XXXX noon time in XXXX, without notification, Robinhood restricted my brokerage account and checking account. I tried to contact them and they called me that my account is under review and I would get back notification within the next 3 business days. On the next day, Robinhood emailed me that my accounts are going to be closed. 
Right now, I have over $ XXXX funds/assets lock in the Robinhood account and I don't know what I can do. 
I can't transfer out/move my asset to another brokerage account.

I need Robinhood to tell me how I can appeal to unlock my account first. If that doesn't work, I need them to provide me solution to move my asset to other brokerage account/my other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my card statement it shows I have purchased something for XXXX and I did try to purchase an XXXX cell phone but the purchase didnt go through online at bestbuy.com. A month later it shows up on my bill. On recent purchases nothing shows up that I received any item at all. There is no trace that I received this item. They removed it off of my card and opened an investigation. Early XXXX they reached a decision saying I made the purchase, I had to pay for the item I never received. I called back and made another claim telling them that I never received the item because it exceeded my available balance and the woman seen that nothing had been purchased and open another claim. Bestbuy customer service agents for the credit card company are saying they see an XXXX was delivered but it doesnt show on my recent transactions.

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 2025-06-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was sent a Wells Fargo Bank Cedit Card and A Free Checking Account Card that I never applied for. In XXXX XXXX I started going through a long drawn out - and ongoing way to Stop the Fraud. And made several disputes which ended up never stopping the Fraud Accounts to stop. In that I mean- XXXX account was closed while almost the next week another account was opened- I had a total of XXXX Wells Fargo Banking Cards sent to me with the last one being Open and Good to Go. After spending countless hours on the phone with Wells Fargo and making an appointment to speak to a local Wells Fargo Agent- is was rediculous and another complete waste of time! After making a Police Report- on the very same day after I got home - there was yet another Well Fargo Banking card in the mail box. I need Help stopping this Once and For All! After making Freeze- Fraud Alerts and Disputes on the XXXX Credit Report Sites -- spending a long time being sent codes - twice having to make new passwords and such .. Wells Fargo had already landed back on those XXXX Credit Report Sites XXXX And as of XXXX Was sent a letter from Wells Fargo that said I was could to go! on another card they sent. 
SOME XXXX NEEDS to STOP - Wells Fargo! -

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
The bank refused to refund my money that was never used in an unauthorized transaction. I re open the case 3 times and they declined after showing the little documents had. I expressed to them deeply about not having my physical card. It took them 2 months to investigate and deny my claim. During this time I was struggling financially. They promised provisional credit that I never received. My bank was in the negative and I was scraping up what I had my check to survive during this time. Because of this it has cause my bills to pile up and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC keep saying I owe a bill from 2012 for XXXX They have said it for a Address in Texas for XXXXXXXX XXXX 

I have told them I live in South Carolina and I currently have XXXX  and have had them for years. 

I have contacted XXXX  about this matter. They say I dont have another account or owe any money to them. Also XXXX doesnt and has never had service for that area of Texas LVNV is aware of this and have told me that the cease and desist is only for 30 days and they will resume after 30 days to get the debt paid? 

It's been proven I never had any debt by XXXX  themselves yet LVNV keeps saying its owed. 

Always asking me for my SS number and current mailing address, which I refuse to give due to nothing being owed.

Company response to consumer: Closed with non-monetary relief