vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On Friday XX/XX/year>2025 I sent a {$1500.00} transfer to my mother in law for rent. The memo even stated that. XXXX hours later roughly around XXXX I received an email stating my account was suspended for suspicious activity and to provide them with a photo of my state issued drivers license. I did everything they requested. Afterwards i called venmo customer support. I told them that this is all of my money, {$5500.00} is in my Venmo account and it is frozen. The representative escalated the situation and told me to wait XXXX to XXXX business days. I woke up the next morning Saturday XX/XX/year>2025 with an email from Venmo. The email states that they will be closing my account and can and will hold my funds of {$5500.00} for up to XXXX  days. This is extremely infuriating considering this is all of my family and I 's money and I need to be able to pay my bills and live, especially in this economy. I cant just have my funds locked away for months. So i called Venmo again, this time the person reiterated what the email said, not liking that answer i asked to speak to someone higher up. The " XXXX '' then said he would escalate this with the most urgency. Then he said it would take another XXXX to XXXX business days for them to respond. I asked him to clarify that from what im understanding is my account should be reinstated within XXXX to XXXX business days and i will be able to access the funds. The man said a very clear yes. Now for no reason i have to wait for this company to give me back MY money. I have to fight for what was already mine. I want my account fixed and i want to take my money to another institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
Ok so I met with XXXX Friday before then I was there on Thursday she had me in the office for at least XXXX hours bank manger did nothing but point fingers who did this we dont want to fix the problem till we ask who did it. I didnt get my issue resolve till the next day and she was pulling her hair out resolving it .how unprofessional leaving the room numerous of times calling on cell phones instead of company numbers very rude behavior

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Complaint Against Midland Financial for Harassment and Threatening Behavior Dear Sir/Madam, I am writing to file a formal complaint against Midland Financial , a collection agency that has been harassing and threatening me regarding XXXX alleged debts under their ownership. I am deeply concerned about their conduct and the distress it has caused me. 

Since [ Date ], Midland Financial has repeatedly called me, often multiple times a day, including late calls, and has sent emails to my work email address. Their representatives have been extremely rude on the phone, and they have threatened legal action, including garnishing my wages and bank account. Despite my requests for debt validation, they have failed to provide the required documentation. Instead, they have only sent bills for debts they claim to have purchased from a creditor.

This behavior violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation of debts and prohibits harassment and abusive practices. Specifically, Midland Financial has failed to : Provide validation of the alleged debts, including documentation proving my liability. 

Cease communication after my formal requests for debt validation. 

Refrain from making threats of legal action without proper grounds. 

The ongoing harassment and threatening behavior have caused me significant distress and have negatively impacted my personal and professional life. I request the CFPB to take immediate action to address these violations and to protect my rights as a consumer. 

I respectfully request the following resolution : Immediate cessation of all harassing and threatening communications from Midland Financial.

A formal investigation into Midland Financial 's practices and their compliance with the FDCPA.

The removal of any negative information related to these disputed debts from my credit report.

A formal apology from Midland Financial for the distress and inconvenience caused by their actions. 

Please find attached any relevant documentation, including copies of the bills received from Midland Financial and records of their communication. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TN

Complaint narrative:
Experian- I have asked over 50 Times to remove the accounts thats not mines that reporting as a Closed account- You have FAILED TO DO SO ITS PASSED 30 days and this is very important for me!

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 2025-02-23 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: TN

Complaint narrative:
Experian- I have asked over 50 Times to remove the accounts thats not mines that reporting as a Closed account- You have FAILED TO DO SO ITS PASSED 30 days and this is very important for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
I am filing a formal complaint against **Equifax** for submitting a **dispute without my knowledge or consent** regarding my XXXX XXXX XXXX account**. This dispute was initiated without my authorization, and I believe it may be an act of **retaliation** for me filing previous complaints against Equifax and other credit bureaus.

I did not request, authorize, or initiate any dispute concerning my account, and the unauthorized action taken by Equifax is a **clear violation** of my rights under the **Fair Credit Reporting Act ( FCRA ) **. I have a reason to believe this action is a retaliatory measure against me due to my previous efforts to enforce my consumer rights and report violations.

**Laws Violated** : 1. **Fair Credit Reporting Act ( FCRA ), Section 1681b** ( Permissible Purpose ) : Equifax violated the FCRA by acting on my credit report without my consent. The law allows credit reporting agencies to act only when there is a **permissible purpose**, which was clearly not present in this case. I did not authorize them to initiate a dispute, and as such, this action was **unauthorized** and unlawful.

2. **Fair Credit Reporting Act ( FCRA ), Section 1681i** ( Procedure in Case of Disputed Information ) : Under the FCRA, when a dispute is initiated, it must be handled **according to established procedures**. Equifaxs submission of a dispute without my consent not only violated this process but may also be seen as an **unlawful act of retaliation** for my previous complaints. Retaliation in any form is strictly prohibited under **consumer protection laws**.

3. **Fair Credit Reporting Act ( FCRA ), Section 1681e** ( Duties of Consumer Reporting Agencies ) : Equifax is legally required to ensure that their actions on consumer reports are **accurate** and **authorized**. By submitting a dispute without my permission, they violated this core responsibility and potentially caused harm to my credit profile.

4. **Fair Debt Collection Practices Act ( FDCPA ), Section 807** ( Harassment or Abuse ) : Equifaxs unauthorized action in submitting this dispute could be interpreted as a **harassment or abusive practice**, especially if it stems from retaliatory intent. The FDCPA prohibits actions that are **deceptive**, **coercive**, or **unlawful** in nature, including actions that undermine or interfere with a consumers credit standing.

5. **Retaliation Under Consumer Protection Laws** : It is illegal for any company to retaliate against a consumer for exercising their rights under the **Fair Credit Reporting Act ( FCRA ) **, the **Fair Debt Collection Practices Act ( FDCPA ) **, or any other consumer protection law. I strongly suspect that this unauthorized dispute was initiated in retaliation for my prior reports and complaints, which would be a clear violation of my rights. 

I have also alerted my banking institution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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 BY THE 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Loan Application Discrimination and Defamation Dear Upstart team, I am writing to formally address my concerns regarding the handling of my loan application submitted on XX/XX/year>. At the time of my application, my credit scores were XXXX with XXXX and XXXX with XXXX, and my XXXX report was clear and free of any issues ( attached for your reference ). 

During the application process, I complied with all requested documentation, including my bank statements reflecting XXXX transfers and other deposits. However, I was subsequently asked to provide my tax returns, despite having made it clear in multiple communications ( attached ) that I had not filed taxes for the first time since I recently moved to this country at the end of XXXX I was willing to pursue other venues. 

On XX/XX/XXXX, I received notification that my loan application had been denied due to a claimed failure to provide proof of income, which I contest as I had submitted adequate evidence of my financial standing. It is my belief that my application was dismissed without proper consideration, and I am concerned that there was insufficient attempt to communicate with me regarding any outstanding items. 

Furthermore, I informed your team of my bilingual capacity, specifically my proficiency in XXXX, and I was met with a lack of support, as I was told that a translator was unavailable. This raises additional concerns regarding the company 's commitment to effective communication and equitable treatment of all applicants. 

Given these circumstances, I am seeking appropriate compensation for the distress caused and am considering legal avenues with my attorneys in relation to potential discrimination and defamation stemming from the handling of my application. 

I look forward to your prompt attention to this matter and a resolution that acknowledges the concerns outlined herein. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-23 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: OK

Complaint narrative:
This is between my dad and uncle I have never paid the account - Single time and it shows no payments. It has been open XXXX years almost. And its been through bankruptcy not once have I ever signed, received, or paid anything.

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 2025-02-23 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: AZ

Complaint narrative:
XXXX is being inaccurately reported on my credit report by Equifax and Experian and this account was deleted by Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
They lowered the balance, took it off of XXXX account but still show it on another. When it was on them for the absurd balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly 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. 

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  XXXX which has been assigned to XXXX XXXX XXXX XXXX I am not liable for this debt, and I do not have a contractual agreement with XXXX XXXX XXXX authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation XXXX XXXX XXXX must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX lawfully transferred or sold this debt to XXXX XXXX XXXX. 
Credit Reporting Correction If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated.

Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report by Equifax, Experian and Transunion. This is account is not in compliance with FCRA laws and IRS regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
My loans are in forbearance and are not supposed to be accruing interest, but interest has continued to accrue during this time. 

Student loans and college have been nothing but deceiving since I originally decided that it may be an option for me with XXXX XXXX. I did not understand what interest rate accrual was when I signed up for the loans and that each month I would be spending as much as a car payment and still be falling further into debt month to month. My IDR plan has been messy and I do not know how many payments made qualify toward forgiveness. I was told that these payments would be transferred to the XXXX plan when I signed up but I do not know if this is the case ( as well as the non interest accruing months during COVID furlough ). I put off having kids until my late XXXX 's and finally decided to buy a house because it was now or never. The student loans have placed a burden on my life and slowed me from advancing through my personal life and starting a family. After graduating I was unable to find a job in my field and the ones available were nowhere near a salary that would allow me to pay off my loans.

Company response to consumer: Closed with explanation