vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft The fraudulent accounts include : XXXX Bank Credit Card Opened on XX/XX/XXXX XXXX Bank Credit Card Opened on XX/XX/XXXXXXXX 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 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery won't send me information regarding matter and threatened me with jail time if I didn't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: LA

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. I told Experian, Transunion, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX XXXX XXXX Account Restrictions and Lack of Communication Your Information : Your Full Name : Your Current Address : Your Phone Number : Your Email Address : Financial Institution Information : Wells Fargo, XXXX XXXX Name of Financial Institution : XXXX XXXX XXXX XXXX Card Number ( Last XXXX Digits ) : XXXX Date of Incident ( XXXX ) : Starting XX/XX/XXXX and ongoing. Description of the Issue : I am writing to file a formal complaint regarding the restrictive actions taken on my Wells Fargo XXXX XXXX XXXX XXXX, account number ending in XXXX. Since approximately XXXX XXXX, all transaction attempts with this card have been declined. I have contacted XXXX customer service on XX/XX/XXXX, Called XXXX around XXXX talked with several XXXX for XXXX mins XX/XX/XXXX, Called XXXX XXXX, and Conflict Resolution : XXXX : XXXX in an attempt to understand the reason for these declines and to have the restrictions lifted. However, I was informed that they are unable to provide a specific reason for the decline and have refused to reinstate my card services. This lack of explanation and the inability to use my credit card are causing significant inconvenience and disruption to my financial activities. Despite my attempts to resolve this issue directly with XXXX, I have not received a satisfactory response or any clear path to restoring my card 's functionality. While this pertains to my credit card, I am concerned about the lack of transparency and communication from this financial institution, which raises concerns about their overall 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 non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Ongoing FCRA Violations by TransUnion Complaint : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I am submitting this formal complaint against TransUnion for materially inaccurate, misleading, and unverified credit reporting practices.

Specifically : 1. Re-aging of charged-off accounts ( FCRA 1681c ( a ) ( 4 ) ) : Accounts from XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX closed and charged off in XXXX, continue to report monthly charge-off statuses through XXXXfalsely extending the reporting period. 
XXXX. Post-closure delinquency reporting : The account from XXXX XXXXXXXX XXXX XXXX closed in XXXX, continues to report late payments ( including 120-day delinquencies ) well after closure, in violation of FCRA 1681i ( a ). 
XXXX. Unverified collection accounts : Debts reported by XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX remain on file despite disputes, with no documented validation, contrary to FCRA 1681s-2 ( b ) and FDCPA 809 ( b ). 
XXXX. Duplicate reporting of a single debt : A XXXX XXXX account is reported both as a charge-off and separately as a collection by XXXX XXXXresulting in misleading duplication of derogatory data. 
XXXX. Improper dispute remarks : Dispute notations remain unresolved or misleading without reflecting accurate investigative outcomes, in breach of FCRA 1681i ( a ) ( 5 ) A

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 2025-05-03 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: CA

Complaint narrative:
I do not recognize these hard inquiries on my credit report, please remove these items from my credit profile. 

EQUIFAX : XXXX XXXX - XX/XX/year> TRANSUNION : XXXX XXXX - XX/XX/year> XXXX - XX/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 2025-05-03 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: KY

Complaint narrative:
Re : Formal Dispute and Debt Validation Request under the FCRA and FDCPA To Whom It May Concern : This letter serves as a formal dispute and request for debt validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am writing to dispute an account listed on my credit report under the name XXXX XXXX XXXXXXXX with account number XXXX. 

I am requesting that you investigate and validate this account, and provide all documentation used to verify its accuracy. In accordance with the FCRA, please complete this investigation within 30 days. 

Please request the following information from the furnisher of this account : XXXX. A full payment history and breakdown of the alleged debt.

2. The name and address of the original creditor.

3. A copy of the original signed agreement.

4. Proof that the debt is within the statute of limitations for legal collection.

5. Documentation verifying the accuracy and legitimacy of the account.

6. Chain of title proving the debt was legally transferred to the current holder.

If the furnisher of this information can not provide full verification, I request that this account be removed from my credit report entirely and that you provide confirmation of its deletion in writing. 

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX : At approximately XXXX, I received emails from XXXX XXXX notifying me that my shipping address had been changed to XXXX in XXXX ( I live in XXXX ), and that an order for a bag had been placed. I immediately called Bank of America ( my credit card issuer ) to notify them of this fraud. I was instructed by Bank of America to request the order be cancelled by XXXXXXXX XXXX. 
At XXXX ( when XXXXXXXX XXXX customer service phone lines opened ), I called XXXXXXXX XXXX at XXXX. The customer service representative I spoke to, as well as her manager, stated that XXXXXXXX XXXX  did not have the ability to cancel an order once it was placed. They advised me to contact Bank of America to file a chargeback. 
After getting off the phone with XXXXXXXX XXXX  customer service, I immediately called Bank of America again. They said that they would open a dispute and follow up with me within XXXX XXXX 

XX/XX/XXXX : At XXXX, I called Bank of America as I had not heard back. The agent I spoke to requested all of the same information again and said they would be contacting me within " a few months. '' XX/XX/XXXX : Despite XXXX months passing, I had not received any contact from Bank of America. I called customer service again, and there was no record of my initial calls. I had to explain the situation a XXXX time. The agent told me again they would investigate, and would be contacting me within " a few months. '' XX/XX/XXXX : I still had not received contact from Bank of America and called again. I was told there was still no record of my ever having called in previously about the issue, and they asked for the same information a fourth time. Time time I received an email confirmation afterwards, with a temporary account credit. 

XX/XX/XXXX : I received an email from Bank of America stating that this fraud claim was denied because " statements were mailed to the address you provided for this claim and payments have been made to the account. '' At this point I have given up trying to reason with Bank of America because statements were NEVER mailed to the address in XXXX where the XXXXXXXX XXXX order was shipped to, and payments were made to my account because I did not want Bank of America to send my account to collections for not paying my balance. 

The claim ID at Bank of America is : XXXX The claim amount is : {$180.00} I have never been late on a single payment, and not previously ever filed a fraud dispute.

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 2025-05-03 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: GA

Complaint narrative:
I noticed a collection account from XXXX on my credit report, which I do not recognize and have never had any relationship with the original creditor. After researching, I found that XXXX is not licensed to collect debt in the state of XXXX where I live. Despite this, they are still reporting the collection on all three credit bureaus. 

Additionally, XXXX and XXXX are reporting as authorized user accounts on my credit report, but these accounts should not be reported. These accounts were removed from Experian, but are still showing up on Equifax and TransUnion. XXXX XXXX sent me a letter saying that the account would be removed because I am not responsible. Furthermore, XXXX is reporting as if Im an authorized user, but I never opened an account with them. 

I have also sent multiple dispute letters to both the credit bureaus and XXXX, requesting debt validation and verification of these accounts. Despite these requests, they have ignored my disputes and continue to report the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
XXXX. I received a response here in attachment from XXXX about XXXXAmerican Financial Network deleting all late payments. I have enclosed that response to Consumer Finance Protection Bureau ( CFPB ) in attachments herein. 

XXXX. I have additionally enclosed a fully executed Loan Modification with XXXXAmerican Financial Network which without any debate shows that all prior late payments prior to this XX/XX/year> Loan Modification which shows all prior late payments were done incorrectly and need to be removed from credit report which hasn't even happened yet. The XXXX modification is enclosed herein as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
XXXX. I received a response here in attachment from Equifax about XXXX XXXX XXXX XXXX XXXX late payments. I have enclosed that response to Consumer Finance Protection Bureau ( CFPB ) in attachments herein. 

XXXX. I have additionally enclosed a fully executed Loan Modification with XXXX XXXX XXXX which XXXX any debate shows that all prior late payments prior to this XX/XX/year> Loan Modification which shows all prior late payments were done incorrectly and need to be removed from credit report which hasn't even happened yet. The XXXX modification is enclosed herein as well.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the repeated and blatant inaccuracies in the reporting of late payments on my credit report by TransUnion. These errors stem from billing mistakes made by creditors, which have unfairly and inaccurately affected my credit score. Nature of the Complaint : I have numerous accounts on my credit report that reflect " Late Payment '' statuses due to billing errors beyond my control. Despite my consistent efforts to resolve these issues directly with the creditors, TransUnion have continued to report these false late payments, causing unjust harm to my creditworthiness. Timeline of Events : 1. Billing Errors : These late payments were caused by errors in billing from the creditors, which I attempted to resolve in good faith by contacting the creditors and disputing the charges. 2. Failure to Correct : Despite the billing errors being rectified directly with the creditor, the bureaus have continued to report incorrect late payment statuses, which do not reflect the true nature of the account history. 3. Inaccurate Reporting : These errors have persisted despite my efforts to dispute the inaccurate information directly with the bureaus, leaving me with false derogatory marks on my credit report that are causing significant financial harm. Specific Violations : Failure to remove late payments caused by billing errors despite the issue being resolved with the creditors. Continued misreporting of late payments that inaccurately reflect my payment history. Inability to correct billing discrepancies or properly handle disputes within the required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Damage to my credit score and financial opportunities due to faulty reporting practices that have not been rectified by the bureaus.

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood 's computer system put an unauthorized, no notice to me at all freeze on my funds at Robinhood. I have tried for over 10 business days to get them to release my money. They will not do it. They keep having a computer issue and this is XXXX XXXX. I need my money ASAP. XXXX XXXX, pay my mortgage, buy groceries this the only money I have to live on and they will not release my money due to their computer. NO fraud on my part and NO Fraud on my account. Only Robinhood committing internal FRAUD and withholding my money. I need it asap. I give them everything they ask for and the several times and they still stonewall me saying it is their computer error and will not release my money. This is costing me a lot of financial damage, fees, loss revenue, XXXX XXXX not being paid and more. I am XXXX XXXX, broke and need my money they I did not nothing wrong. They admit it is their computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my 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 explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MA

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. 

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 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 supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 supposed 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 response to consumer: Closed with non-monetary relief