vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Credit Card Account XXXX XXXX I am formally disputing the reporting practices of Bank of America regarding my credit account and to request a copy of IRS Form 1099-C related to the alleged charge-off or debt cancellation. Bank of America has been reporting a " Charged-Off/Written-Off '' status on my credit report since XX/XX/year>. However, despite this classification, Bank of America continues to report a balance on my credit report. This raises concerns that Bank of America may be simultaneously benefiting from tax deductions by claiming the debt as a profit and loss on their end while continuing to hold me liable for the balance. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request accurate and complete information regarding the status of my account. Therefore, I am formally requesting a copy of the 1099-C that Bank of America allegedly filed with the IRS, indicating that the debt was canceled or written off. I have contacted Bank of America several times regarding this matter, and they have informed me that they have not filed such a form. If this is the case, I will report this fraudulent activity to the IRS and the Federal Trade Commission. Additionally, I will pursue legal action against Bank of America for statutory damages under the FCRA. If Bank of America has written off the debt and claimed tax benefits, the continued reporting of a balance on my credit report is both inaccurate and misleading. I kindly request the CFPB to investigate this matter to ensure compliance with all applicable federal laws and to take appropriate action if Bank of America is found to be engaging in unfair or deceptive practices.

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 2025-03-26 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: NJ

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX, XXXX XXXX  XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$85.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$7300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} XXXX. Account name : XXXX XXXX Account opened : {$6300.00} XXXX owed : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$17000.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3400.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$570.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$440.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$1700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} XXXX. Account name : XXXX XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$150.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$290.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$440.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$250.00} XXXX. Account name : XXXX XXXX SYS Account opened : XX/XX/XXXX Amount owed : {$260.00} Inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX, XXXX XXXX  XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$85.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$7300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} XXXX. Account name : XXXX XXXX Account opened : {$6300.00} XXXX owed : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$17000.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3400.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$570.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$440.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$1700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} XXXX. Account name : XXXX XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$150.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$290.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$440.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$250.00} XXXX. Account name : XXXX XXXX SYS Account opened : XX/XX/XXXX Amount owed : {$260.00} Inquiries

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 2025-03-26 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : Name : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request the removal of outdated or unnecessary personal information from my credit report. Upon reviewing my report, I noticed that it includes old personal details that are no longer accurate or relevant. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. I kindly request that this outdated information be removed to ensure my report reflects only current and necessary personal details. 

Please let me know if you require any additional information to process this request. I appreciate your attention to this matter. 

Sincerely, 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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DRB-40, LLC
State: TX

Complaint narrative:
Today, I received a phone call from a debt collection company named DRB LLC. I informed the representative that I was at work and unable to speak at the time. Despite this, they have continued to call me repeatedly, and also send text messages and emails. 

I have explicitly requested that they send all documentation regarding the alleged debt to my mailing address via XXXX. Postal Service. I even have a recorded phone call in which I ask for written documentation by mail, and the representative clearly states they will not send any written mail, only email. 

This refusal to provide written notice by mail appears to be a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send a written validation notice within 5 days of initial contact.

Additionally, their continued contact during work hours after being told Im not available is unprofessional and distressing. 

I am requesting that the CFPB investigate this matter and ensure that DRB LLC complies with all applicable federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-03-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
On Wednesday XX/XX/XXXX I transferred {$3000.00} to my Robinhood account. I then tried to transfer the amount back due to me transferring the wrong amount. My account was locked after with no information or resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2025, Discover withdrew {$500.00} from my account for a secured credit card. After I activated the card, Discover requested additional IRS tax documentation for verification, which I provided. However, I was never granted access to the funds or able to use the card. Despite this, Discover reported the account as opened, then later closed, which caused my credit score to drop significantly ( by approximately XXXX points ). 

This reporting is inaccurate and unfair, as I never had the ability to use the credit line. Discover ultimately refunded my {$500.00} but still reported the account as if it was fully active before closing it. This has severely impacted my credit profile, even though I was never given access to the funds or the credit line itself. 

I am requesting that Discover remove this account from my credit report entirely or correct the reporting to reflect that the account was never actually opened in a functional capacity. Their handling of this matter has unjustly harmed my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NE

Complaint narrative:
These companies I never did business with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and TrueSccord Corporation. I was robbed of my purse for cash and my identification and ssn and various other items. After recently checking my credit report I noticed unauthorized and fraudulent activity on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-03-26 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FCI Lender Services Inc.
State: GA

Complaint narrative:
I received at statement from FCI Lender requesting a payment. I contacted my mortgage company to see if they sold my mortgage and I was informed no and not to send payments to this company because it's a scam. I requested a debt validation of debt and upon receipt of documents from FCI Lender Services the information on their documents is invalid/incorrect, document has been white out/covered with missing information, all signatures are different. I contacted my local tax assessors for a copy of deed. The information on original deed does not match what was sent to me as debt validation from FCI Lender Services.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: TX

Complaint narrative:
I am filing this complaint against Vance Huffman due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) related to the reporting of account XXXX on my credit report. I was never notified by either Vance Huffman or the original creditor regarding the purchase or transfer of this debt. Under the FDCPA, debt collectors are required to provide written notice within five days of their first communication with a consumer, informing them of their rights to dispute the debt. This was never done. My credit report still shows the original charged off account from XXXX XXXX stating that the debt was sold to XXXX  XXXX XXXXnot Vance Huffman. This discrepancy calls into question the legitimacy of Vance Huffmans claim to the debt and its authority to collect or report it. The amount Vance Huffman is reporting does not match the original charged-off amount listed by the original creditor. This inconsistency raises concerns about inaccurate reporting and potential unlawful fee inflation. Per the FCRA and FDCPA, I should have been given the chance to dispute the debt before it was placed on my credit report. Vance Huffmans failure to notify me deprived me of my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood placed a restriction on my account on XX/XX/year>, and informed me that they would get back to me by XX/XX/year>. On XX/XX/XXXX, Robinhood informed me they would get back to me on XX/XX/year>. On XX/XX/XXXX, Robinhood requested my bank statements, which I provided. They then stated that their review of the documents and account would be completed by XX/XX/year>. They then proceeded to move their responses date each day following XX/XX/year>. Then, on XX/XX/year>, they requested that I upload a selfie and photographs of my California I.D . -despite my multiple requests between XX/XX/year>, and XX/XX/year>, asking if they need any additional information, including my inquiry as to whether they needed a copy of my I.D., which they responded by stating that they had all the required information. Now, Robinhood is stating they will get back to me by XX/XX/year>. During this time, I have had no money for food and gas to go to work. This has detrimentally affected my life. I need to be able to transfer my {$490.00} out of Robinhood.

Company response to consumer: Closed with explanation