vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: IL

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 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 explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I WANT MY MONEY BACK! Money missing from my account FOR THE LAST 2 MONTHS! Chime have given me 2 different accounts and routing statements, why? One statement has an amount i have never gotten {$1300.00} and has no amount of my SSD and no balance for my statements, why? I have had to pay my bills twice and my credit card twice for the last 2 months. My money amount isn't on either statement. I have an email where my payment was successful. I have called them and emailed them several times. They have been rude, hung up on me today they won't email my ( 2 ) statements or call me back! I even sent an email to their XXXX department and still no response. MONEY BACK NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
Reason for Complaint : Equifax has failed to fulfill its obligation to respond to or investigate my dispute within a reasonable timeframe, as required by the Fair Credit Reporting Act ( FCRA ). 

Summary of Events : XXXX XXXX, 2024 : I downloaded my credit report and sent a debt validation letter to the creditor via certified mail. I am attaching proof of delivery. 
XXXX XXXX, 2024 : I submitted a formal dispute to Equifax , requesting verification of a specific collection listed on my credit report. 
XXXX XXXX, 2024 : As Equifax failed to respond to my initial dispute, I sent a follow-up letter via certified mail. Proof of delivery is also attached. 
XXXX XXXX, 2024 : XXXX notified me that the collection was removed from my credit report after completing their investigation of the same dispute. 
To Date : Equifax has neither responded to my dispute nor removed the collection from my credit report.

Violations of the Law : Failure to investigate within 30 days : Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to complete a dispute investigation within 30 days of receiving the dispute. Equifax has far exceeded this timeframe without any communication or resolution.

Lack of notification : Equifax has failed to notify me about the status of my dispute or provide evidence that a proper investigation was conducted, also in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I have a small amount of crypto currency ( ETH ) in a Robinhood portfolio. 

I have attempted to sell or get rid of this currency for a LONG time however I can not as the company has restricted my account. 

Earlier today XX/XX/XXXX/2025 ( Approx 30 Min ) ago, I spoke to a Live Agent in a chat with the company to try and get this resolved. I was told my account is suspended permanently for Violating their agreement and the Decision was final with no explanation. 

Although the amount of money I have in this account is incredibly small I would like it sold or removed, and to either have my account restored or closed so I can move on. Right now I am stuck since my account is Restricted for completely unknown reasons. In addition to this, the Amount is too small to sell per Robinhood even if my account was active thereby forcing me to buy more to be able to sell what I have. 

In addition to this on XX/XX/XXXX25 I requested a support call also approximately 30 min ago which was roughly XXXXXX/XX/XXXX. Robinhood stated their wait time was 9 minutes. I have never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
For the past 10 years my only 2 phone numbers have been XXXX which I haven't had for over 2 years. Now it's XXXX. Also, some addresses have never been mine like country club. And employers. I never worked at XXXXXX/XX/XXXX XXXX. I don't even go to church. I've only had 2 jobs, XXXX XXXX and the XXXX. Trans union does not even allow me to dispute that. So, it gets corrected. Since last year every dispute attempt to fix that and many other erroneous information. They just message back it has been verified. And nothing happens at all. They just give a bogus answer. Like if I had no right to receive proof of many things. I need to get many things fixed properly and promptly before I can purchase a home.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOVERY HAS AN ACCOUNT REPORTING A BALANCE OF {$770.00} ON MY CONSUMER REPORT. THIS ITEM IS UNVERIFIED AND INACCURATE AND MUST BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. IF THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT AFTER 7 DAYS FROM NOW ( XXXX25 ) I WILL SEEK REMEDY FOR DAMAGES UNDER THE FCRA AND FDCPA FOR EVERY MONTH THE ACCOUNT HAS BEEN REPORTING UP TO {$1000.00} PER VIOLATION AND STATUTORY, PUNITIVE DAMAGES AS WELL. AGAIN YOU HAVE 7 DAYS FROM NOW.OR I WILL TAKE THIS ACTION AGAIST PORTFOLIO RECOVERY BECAUSE YOUR ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was charged multiple times for late fees that were either covered within 24hrs or never shouldve been applied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
a large number of accounts are fraudulently posting on my credit, which i proved to be fraudulent resulting in other bureaus deleting the information. my information was exposed in a data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
a large number of accounts are fraudulently posting on my credit, which i proved to be fraudulent resulting in other bureaus deleting the information. my information was exposed in a data breach

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 2025-01-28 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: IN

Complaint narrative:
Subject : Credit Report Violations by TransUnion, XXXX, and XXXXXX/XX/XXXX Details of the Complaint : I am filing this complaint against TransUnion, XXXX, and XXXX XX/XX/XXXXdue to inaccurate reporting, Metro 2 compliance failures, and violations of the Fair Credit Reporting Act ( FCRA ). 

The following account is being reported incorrectly on my credit file : Creditor : XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX ) Balance : {$160.00} Account Status : ConflictingReported as Open & Charge-Off Bureaus Reporting : TransUnion & XXXX Violations Found : Duplicate Account Reporting ( Metro 2 Violation ) This account appears twice under different names, falsely inflating my debt.

Metro 2 requires only the current debt owner ( XXXX XXXX ) to report. 
Re-aging of Debt ( FCRA 605 ( c ) Violation ) The last activity date is manipulated to extend the time the account remains on my report.

Re-aging is illegal and harms my credit unfairly.

Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is labeled as " Open '' while also being marked as " Charge-Off. '' Charge-off accounts must be marked as closed.

Contradictory Payment History ( Metro 2 Violation ) The account reports 98 % on-time payments, which is inconsistent with a charge-off.

This creates a data accuracy issue that violates Metro 2 reporting standards. 
Failure to Validate Debt ( FDCPA Violation - FCRA XXXX ) XXXX XXXX has not provided any validation that the debt belongs to me. 
Under the Fair Debt Collection Practices Act ( FDCPA ), if they can not provide documentation, this debt must be removed. 
Requested Resolution : I request that TransUnion and XXXX immediately remove this inaccurate account from my credit report due to these violations. If the bureaus and XXXX XXXX fail to comply, I will pursue legal action under : FCRA 616 ( Civil Liability for Willful Noncompliance ) FCRA 617 ( Civil Liability for Negligence ) I request a formal investigation and written confirmation of the accounts deletion.

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 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandated a reasonable investigation of disputes/ Furthermore, Equifax 's actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXXXXXX {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Unauthorized items have appeared on my credit report due to the fraudulent use of my personal information, and I have not benefited from these transactions in any way. Taking this matter seriously, I filed a report with the Federal Trade Commission, expecting a resolution. However, despite following the proper steps and reporting this fraud, these items remain on my credit report. This situation is extremely frustrating and stressful, as I am left dealing with the consequences of someone else 's misuse of my identity.

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 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has been harassing me for the past few months. They call at inconvenient times and call about 10 times a day regarding two cards- Express and XXXX XXXX XXXX. They have left threatening voice mails and even contacted someone they believe I know and left a voicemail, which totally violated my privacy. 
As previously stated, they call at least 10 times a day between the hours of XXXX XXXX XXXX XXXX XXXX I have emailed them to let them know that they are calling at inconvenient times and they continue to do so ; and I am in the process of disputing the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase refused to dispute the fraud charge. 

On XX/XX/year> for {$2300.00} from owners rental program ces. Points unlimited guaranteed over the recorded line they would rent out my 6 weeks for at a minimum of {$1800.00} per week. Totaling over $ XXXX, However I had to pay the {$290.00} up front per week. At 6 weeks that came to {$2300.00}. I was advised I would receive offers and to call and see if the dates were available from XXXX XXXX Vacations. I got an email, called and checked and every time it wasn't available. I received an estimate of 5-7 offers in the 7-8 months. I did receive one offer that the property was available only to get a, " Sorry the client changed their mind but we will send you more offers. '' I responded by asking for my money back that they did not do what they said they were going to do and it is over 6 months and I had not received a single valid offer. They replied with were sorry, we will send you more offers. I was guaranteed over a recorded line if they didn't rent them out I would receive a full refund of the {$2300.00}. After asking for my money back since they didn't do what they guaranteed me they would do, I reached out to Chase and asked them to dispute it, only to be told its past the deadline. This is fraud and theft. They are taking money without providing a valid offer. I would like a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I would like for these collections of student loans to be removed from credit report XXXX, XXXX, and XXXX XXXX according to law FCRA section XXXX states its illegal to report information on my credit without my permission and also love 15 USC 1692C the law clearly states if a consumer notifies that the consumer refuse to pay a debt collector must see all communications. It is also illegal to upload my personal information through different third parties without my consent. The account numbers for the XXXX XXXX XXXX XXXX XXXX and XXXX. The bill amounts are ( XXXX ), {$2500.00}, {$820.00}, {$3500.00}, {$3500.00}, {$1000.00}, {$4600.00}, {$110.00}, $ {$3000.00}, {$3000.00}, {$2800.00}, {$2700.00}, {$110.00}, {$1400.00}, {$14000.00}, {$2500.00}, {$1400.00}, {$3500.00}, {$820.00}, {$3000.00}, {$2700.00}, {$110.00}, {$810.00}, {$110.00}, {$3000.00}, {$3000.00}, {$1000.00}, {$2500.00}, {$14000.00}, this is a total of XXXX collections

Company response to consumer: Untimely response
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My Company was closed due to XXXX XXXX and we never reopened so in XXXX and XXXX the 5 companies wrote off the amount owed and never sent a 1099c so I could claim it as income on my Taxes this is considered IRS Fraud since it has been 3-4 years the accounts should be removed the information listed for the last 3-4 years is false and has had a bad effect on my personal credit the information is considered income not debt after it is written off

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 2025-01-28 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: PA

Complaint narrative:
They violated mt rights as a consumer under 15USC1681B

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 2025-01-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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