vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-11-09 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
While looking for my Fathers Deed of Trust that I found out he had XX/XX/XXXX along with other paper work they did with XXXX XXXX XXXX XXXX in XXXX  one year before my fathers death XX/XX/XXXX. Fathers name XXXX XXXX XXXX and XXXX XXXX XXXX. After my fathers death his Deed of trust was irrevocable and no one knew that till XXXX when I reached out to XXXX XXXX and was sent my mothers trust and trust certificate along with an enhanced life estate quit claim and county clerk records acknowledging what all had been recorded in XXXX XXXX XXXX XXXX XXXX XXXX they lived at XXXX XXXX XXXX XXXX XXXX. My mother sold house in XXXX moved back up to XXXX. Since XX/XX/XXXXXXXX  XXXX XXXX records have been changed And paper work at XXXX XXXX has been changed or they have declined and denied to having anything to do with my fathers Trust and the sale of my partners home in XXXX has all been changed. Changed so much that it involves two pieces of property saying that she sold the other being XXXX XXXXXXXX XXXX XXXX XXXX leaving my mother with a loan for XXXX when her home was a cash deal and she was mortgage free

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
XXXX dates are different and I have no knowledge of this account. when I asked for the proof they refused to provide. I have also sent certified letter If this account can not be fully verified, corrected, or substantiated with complete documentation, I am formally requesting deletion of all negative information related to this tradeline from my credit file. Should your reinvestigation fail to meet the requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and include copies of this correspondence and any supporting documentation.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank of Bank of America We have been customers for 28 years. In XXXX of this year we noticed check fraud on our account for around $ XXXX dollars. They let someone cash checks on our account for what we had available and then go over into there money. So now the account sets at $ XXXX in the negative for several months. We have been working with them since that time for a resolution and still nothing. They havent been very good at communicating with us about any of it. The only way we get information is to call in and that is a process. Usually an hour or so to do that. They keep giving us the run around on a resolution and yet still no answer. We have given them all paperwork they have requested but that doesnt seem to make the process move along. At this point we do not know when we will get our money back. This needs to be brought to the attention of other customers that deal with B of A so they know what can happen to their money.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an alleged debt that appears on my credit report. This letter serves as a request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and notice to cease collection activity under 15 U.S.C. 1692c ( c ) until such validation is provided. 
Please note : I do not acknowledge this debt as valid. 
Under 1692g ( b ), a debt collector must cease collection activities until verification of the debt is provided.

If this account was furnished to your bureau by a third-party collector or creditor, I request that you investigate and remove this item from my credit file unless full validation is received and verified with In 5 business days.

For proper validation, please provide the following : The original creditors name, address, and account number. 
A complete accounting of the alleged debt, including itemization of principal, interest, fees, and payments. 
Documentation bearing my signature that verifies I am legally obligated for this debt. 
Proof of assignment or ownership of the debt, showing the collectors legal right to collect.

Until these documents are furnished, any continued reporting or collection activity on this account constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If the debt can not be validated, I request that you immediately delete the account from my credit report and provide written confirmation of its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: OK

Complaint narrative:
On XX/XX/year> a rep from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX falsely inflated my income on on XXXX credit applications one to XXXX  XXXX XXXX and the other to PRESTIGE FINANCIAL, to achieve a successful credit application and loan approval by means of fraud. I contacted one of the owners of this business to report the issue and request the applications to be receded and the hard pulls off my credit to be removed to no avail. 
I have recorded calls and text messages to prove that the sales rep XXXX falsely and fraudulently reported my income to these lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I have called PayPal multiple times and provided proof that this transaction was not initiated by me. My last XXXX XXXX purchases since XX/XX/XXXX were in the amounts of {$56.00}, {$80.00}, {$75.00}, and {$160.00} respectively. None of them were for the amount of {$140.00}. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
i have tried to contact this provider and still no response

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 2025-11-09 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
GS Bank ( Apple Card ) This account was previously reported as paid and closed. It has now been reinserted without required certification or notice under FCRA. This constitutes unlawful reinsertion of deleted information. I request immediate deletion and full restoration of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, Cash App placed a hold on {$1200.00} that I transferred into my Cash App account. Since that date, I have made multiple attempts to contact Cash App customer service, but I have only received generic and automated responses with no explanation for the continued hold.

I have not been served with any legal documents related to a garnishment, levy, or court order that would justify restricting access to my funds. To date, no funds have been deducted from my account, and Cash App has failed to release or provide a lawful reason for retaining my money.

This hold has persisted for over five months, which I believe is unlawful and unreasonable, especially without formal notice or due process. I am requesting the Consumer Financial Protection Bureaus assistance in compelling Cash App to either release my funds immediately or provide a legal basis for the continued hold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting and verifying a collection account from a purported debt collector that can not be contacted at the address it provides. 
All correspondence I've mailed to the collector 's address ( as listed on my Equifax credit file ) has been returned by the XXXX. XXXX XXXX as undeliverable. This shows the collector can not receive mail and therefore can not verify or validate the debt. 
Despite being notified and provided proof that the mail was returned undeliverable, Equifax marked the account " verified as accurate ''. This is unreasonable and violates the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) - failure to conduct a reasonable reinvestigation after receiving my dispute 15 U.S.C. 1681e ( b ) - failure to follow reasonable procedures to assure maximum possible accuracy of information. 
If the furnisher can not be contacted or located, Equifax can not reasonably verify the information it continues to report. 
Additionally, a collector using a nonfunctional address can not comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires a collector to provide a written validation notice and respond to consumer disputes. 
Equifax 's continued reporting of this unverifiable debt has caused me reputational and credit harm.

What I Want Done : I request that the CFPB : 1. Investigate Equifax 's reinvestigation process in this matter ; 2. Require Equifax to delete the unverifiable collection account from my credit file ; 3. Require Equifax to provide documentation showing how it verified the account given that the furnisher 's address undeliverable ; and 4. Review the furnisher 's legitimacy and compliance with federal law. 
Supporting Evidence : XXXX return envelopes or tracking showing mail " undeliverable '' Equifax 's verification response letter Copy of my credit report showing the disputed collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: DISCOVER BANK
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this complaint regarding multiple fraudulent credit accounts that were opened in my name without authorization and continue to appear on my credit reports. 

I have submitted disputes to the credit bureaus and contacted the creditors directly, clearly stating that these accounts are the result of identity theft. Despite providing documentation and evidence, the furnishers and bureaus have failed to conduct a reasonable investigation or remove the fraudulent information as required under the Fair Credit Reporting Act ( FCRA ). 

The continued reporting of these fraudulent accounts has caused severe credit damage and financial hardship, ultimately contributing to my need to file for bankruptcy protection. 

I respectfully request that the CFPB ensure full compliance with FCRA obligations, compel a proper investigation, and require immediate deletion of all fraudulent accounts and related negative information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am writing to bring to your attention an issue with my account ending in XXXX related to my recent credit card payment. 

It appears that a recurring payment was scheduled outside of my due date, which prevented me from making my payment manually. Each time I attempted to make the payment, I received an error message indicating that another payment had already been scheduled. Upon contacting your customer service via the recorded line, I was informed that this recurring payment was system-generated and not scheduled by me. 

I am confused as to how this occurred, as I have never set up such a recurring payment. The customer service representative I spoke with confirmed that this was a system-generated issue. 
Given that this is the first time I have ever been late on a payment, I kindly request : 1. A review of my payment history to confirm that this situation was not caused by any fault of my own.

2. Assistance in correcting any late fees or negative reporting associated with this incident. 

I appreciate your prompt attention to this matter and look forward to your guidance on how this can be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is improperly withholding my available credit after receiving a large payment. I made a payment on XXXX, and the funds cleared my bank, but Amex has refused to restore my available credit. Their account specialist admitted they are holding it hostage for 8 days. This is unreasonable and punitive behavior. 

Under the Truth in Lending Act ( TILA ) and Regulation Z ( 12 CFR 1026.10 ), card issuers must credit payments as of the day received. My payment was made on time and confirmed, yet Amex is intentionally delaying release of my credit, preventing me from using the account despite having paid the balance down. 

This payment was significant, and I relied on access to that credit. Amexs wrongful hold has interfered with my ability to use my card, harmed my financial planning, and feels like an abusive retention tactic. If the payment posted and cleared, withholding available credit for more than a reasonable bank processing time is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
b'Remitly is not refunding my transfer that i disputed due to money not reaching my Aunty .i have made more than 30 call and all i get from remitly agents is that we apologize on behalf of the company.\nTransfer #XXXX XXXX XXXX XXXXnAmt USDXXXXi have email that was sent by remitly saying that my money was refunded on XXXX XXXX  to my bank account but nothing to date as of XXXX

Company response to consumer: Closed with explanation