vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
I am a victim of identity theft, and Bank of America has failed to properly protect my funds or respond to my fraud claim with appropriate urgency. 

My drivers license was stolen in the mail, and shortly thereafter, XXXX unauthorized withdrawals were made from my checking accounts : XX/XX/year> {$500.00} was withdrawn from my account ending in XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$700.00} was withdrawn from my account ending in XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I reported the fraud immediately. While the XXXX account was eventually frozen, the suspect was still able to access the XXXX account even after it was flagged. This raises serious concerns about Bank of Americas internal fraud controls. 

I visited the XXXX branch and spoke with XXXX XXXX XXXX XXXX, asking how someone could access my funds using only a stolen ID. I requested documentation ( such as a check copy or signature ), but received no clear answers, only a vague statement that a report was filed. I believe the bank tellers involved failed to properly verify the individuals identity. 

To protect myself, I have already : Filed a police report with the XXXX Police Department Submitted an identity theft report through IdentityTheft.gov Placed a credit freeze Despite this, Bank of America told me it may take up to 90 days to resolve my claim. I am now out {$1200.00} through no fault of my own, and this delay is causing immediate and severe financial hardship. 
I have bills that are now due, including rent and utilities, but I can not pay them because the stolen funds have not been returned. I am at risk of missing payment deadlines, which will directly impact my credit score and financial stability. 

I trusted Bank of America to safeguard my accounts, but their response has been slow, unhelpful, and negligent especially considering this involved stolen ID and teller failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
Transunion has violated my rights as a consumer by allegedly doing an " reinvestigation '', but not removing the FRAUDULENT accounts. A proper investigation was never done. I received an Transunion alert a year ago that my SSN was leaked in the t-mobile data breach. Transunion did not receive my written permission to furnish this FRAUDULENT account on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681e ( b ) Transunion is willfully violating the law, and involved in identity theft by furnishing these accounts on my consumer report. Block these accounts immediately that I have identified as identity theft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint against Discover Card for inaccurately reporting and mishandling an account that should no longer be on my credit report. This account was opened in XXXX  and was impacted by XXXX hardship, for which I formally requested assistance under the CARES Act ( Section 4021 ). Instead of honoring my request, Discover closed the account and reported it as settled for less than owed which is misleading and damaging. In addition, my credit report shows payment activity I never made, which is both false and suspicious. When I requested verification and documentation, Discover failed to provide any proof of payments, account closure terms, or the debt status. Under the Fair Credit Reporting Act ( FCRA 602, 609, and 623 ), they are required to report only accurate, verifiable, and timely information. This account is over XXXX XXXX XXXX, has been reported inconsistently, and is causing ongoing negative impact to my credit profile. I am requesting full investigation, permanent removal from my credit report, and a formal explanation from Discover regarding the false reporting and mishandling of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
On XX/XX/XXXX and multiple others times Experian was asked validate the continued reporting and verification of inaccurate " Date Opened '' information on several collection accounts in my credit report. These accounts have been " verified '' multiple times despite clearly violating the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. It is unacceptable for Experian to continue verifying inaccurate data that misrepresents the age of these debts and potentially re-ages accounts illegally.Specifically, collection agencies are reporting the " Date Opened '' as the date they acquired the debt rather than the date the original creditor opened the account or the true Date of First Delinquency ( DOFD ). This practice is misleading, unlawful under FCRA 623 ( a ) ( 5 ), and may extend the reporting period beyond the legal seven-year limit outlined in FCRA 605 ( c ) ._ The following accounts are being reported inaccurately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year>, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
theses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 2025-07-10 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: FL

Complaint narrative:
theses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 2025-07-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has violated my rights as a consumer by allegedly doing an " reinvestigation '', but not removing the FRAUDULENT accounts. A proper investigation was never done. I received an Equifax alert a year ago that my SSN was leaked in the t-mobile data breach. Equifax did not receive my written permission to furnish this FRAUDULENT account on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681e ( b ) Equifax is willfully violating the law, and involved in identity theft by furnishing these accounts on my consumer report. Block these accounts immediately that I have identified as identity theft!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Yes, I sent a debt validation letter to Portfolio Recovery Associates requesting proof of the alleged debt, including documentation of ownership, assignment, and a signed contract. 

They responded with a XXXX packet containing only billing statements and a generic sale letter from XXXX XXXX that lacked identifying information and did not prove they had legal ownership or authority to report or collect on the debt.

Despite my request, they have not provided proper validation, have not shown a contract bearing my signature, and are still reporting this as a valid collection account. The documents they provided do not meet the legal standard for debt validation under FDCPA 15 U.S.C. 1692g, FCRA 1681s-2, and XXXX XXXX XXXX. 

I am requesting that this inaccurate and unverified account be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting associated with my account. I have reviewed the records and have documentation proving that my account was never late. The information currently reported is false and does not reflect my payment history. 

Additionally, my personal information was part of the widely publicized Equifax data breach in XXXX, which affected over XXXX XXXX individuals. As a result, I have taken extensive steps to monitor and secure my credit ; however, this inaccuracy appears to be a residual effect of that breach. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies and furnishers of information are required to report accurate information. In the case of Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit reporting agencies must go beyond the original source when investigating consumer disputes, especially when presented with evidence that contradicts the reporting.

I am respectfully requesting that this erroneous information be deleted from all credit reporting agencies and that my account be updated to reflect its correct standing. Please be advised that I am prepared to escalate this matter further if the inaccuracies are not corrected in a timely manner. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I first tried adding my VenmoXXXX  debit card to XXXX XXXX on XX/XX/year>, and it failed immediately with the generic message cant finish card setup for tap to payno specific error code. A XXXX credit card on the same device provisioned successfully, showing that XXXX XXXX itself works. 

That same day, I called the number on the back of my Venmo debit card. The agent could not identify or resolve the issue and deferred me back to XXXX. No one provided a reason for the failure or offered any resolution. 

I also emailed Venmo Support on XX/XX/XXXX ( Ticket # XXXX ), requesting the MDES or VTS decline code and asking what steps they could take to clear the provisioning block or reset the token. Venmo replied on XX/XX/XXXX, stating they can only assist by phone for security reasons and would not provide any information in writing. 

After that, I removed every card from XXXX XXXX and waited over XXXX hours. On XX/XX/XXXX, I tried linking my PayPalXXXX debit card. I contacted PayPal, and they were able to reset the token, after which the PayPal card linked successfully. This shows that the issue can be resolved when the bank cooperates. 

However, the Venmo card still can not be added. Despite multiple written and phone attempts, Venmo/XXXX has refused to confirm the decline reason or take any visible steps to resolve the problem in writing. Their support process has been unresponsive and circular, preventing me from accessing my Venmo funds through tap-to-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
My Robinhood brokerage account with more than {$45000.00} amount is restricted since close to week, I have contacted them multiple times but they are asking same information over & over again & not helping with my request. They have also disabled my customer support through app. Following is the detailed email I sent them explaining situation & asking solution. 

Hello There, Regarding Case ID : XXXX, We, ( XXXX XXXX XXXX XXXX, are married, living together and filing tax returns jointly. There is no any unusual activity and this app is within safe hands so 'restrictions ' can be removed. Our both accounts are 'restricted ' now. 

Background : During Covid time, XXXX created the first account on his name /ssn with his data. Last year, in settings he found that there was an " EDIT '' option for name/email id. As he was not active on the Robinhood app, thought to give it to XXXX ( wife ) by editing name and all details, but other data were not editable. After that he was also unable to revert data back to his name and hence this mismatch happened. We tried calling a few times but didn't get a proper response to resolve. 

Later, We created another account with XXXX 's details this year. So we have XXXX accounts in order to keep long term & short term investments separately. 

We were not aware that Robinhood allows only XXXX individual account. Now we are willing to have XXXX account per person by making appropriate changes in mismatch information. Please help to fix this issue. This is really frustrating & causing us a lot of mental stress & inconvenience. Additionally, due to restricted accounts, we are losing opportunities in the market. Hence, looking forward to resolving this issue ASAP. We admit our mistake. We called multiple times to fix it but everytime it was not done. We submitted data/ documents needed/ asked in the app. We can have a video call and show all documents if needed. Please resolve this issue as soon as possible and remove XXXXrestricted ' access on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to formally report that i am a victim of identity theft and credit card fraud. Recently i discovered that someone has used my personal information and credit card without my permission.These unauthorized actions were done without my knowledge or consent and have caused serious concern regarding my financial security and personal information. I am writing to dispute fraudulent information on my credit report as a result of identity theft.XXXX XXXX XXXX XXXX XXXX Limit This account is fraudulent and was opened without my permission and used too!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
Approximately XX/XX/XXXX, my credit reports for Experian, Equifax, and Transunion reported my students loans with the Department of EducationXXXX as XXXX days late. I received credit monitoring alerts from MyFico on XXXX XXXX with notification of my credit scores decreasing XXXX, XXXX and XXXX points. I contacted XXXX, the department of education and was provided a dispute link directly with Experian to dispute how my accounts were current XXXX, XXXX and XXXX, and then receive a XXXX  day late notice. I spoke with XXXX from Customer service at Experian via XXXX ; XXXX Who confirmed my previous credit report current, paid as agreed, XX/XX/XXXX who reached out to her supervisor. I was instructed to complete the dispute process, attaching supporting documentation and uploaded supporting docs to www.experian.com/upload with a confirmation. On XX/XX/XXXX, I also contacted XXXX who confirmed that my account was not 90 days late, they did not report the account as XXXX days late, and I received an email confirmation of it's current status. I contacted the Dept of Education, who also confirmed the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the MULTIPLE loans as I only have XXXX student loans. Again XX/XX/XXXX, I submitted another dispute to Experian, Equifax and Transunion and have received no updates or corrections to my credit report. Today, XX/XX/XXXX, there are almost XXXX late payments for student loans reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation