vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a balance transfer transaction that was initiated from my Bank of America credit card account. The details are as follows : Amount : {$1200.00} Transfer Date : [ XX/XX/year> ] Receiving Bank : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Receiving Credit Card Number ( last 4 digits ) : XXXX Despite multiple communications with Bank of America, XXXXXXXX XXXX XXXXXXXX XXXX, the balance transfer amount has not been credited to my Cardless account. 

Cardless confirmed in writing that they did not receive the funds.

Bank of America has stated that the transfer was successfully processed, but no tracking details were provided. 

XXXX XXXX was unable to locate the transaction. 



Since the intended recipient did not receive the funds, I am formally requesting that Bank of America : 1. Provide a full transaction trace report with details of the receiving account and confirmation of the successful transfer.

2. Reverse the balance transfer fee and ensure I am not held responsible for this amount.

I appreciate your prompt attention and look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I received an asset care debt last year that I disputed wasnt mine. Then this year I received the same debt from a different collections company Lockhart morris and Montgomery for the same debt that was under asset care all relating to XXXX XXXX XXXX XXXX. This is not my debt no bills have been sent to me I have no knowledge of this account and have not been provided any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-03-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX charges from XXXX XXXX  on my account XXXX. {$22.00} on the XXXX, XXXX for {$200.00} on the XXXX, and 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 monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
went to collections on my credit- Midland credit management XX/XX/XXXXXXXX  {$660.00} went to collections on my XXXX XXXX XXXX  XX/XX/XXXX {$520.00} went to collections on my credit- XXXX XXXX XXXX XX/XX/XXXX {$1500.00} went to collections on my creditXXXX XXXX XXXX XXXX  XX/XX/XXXX {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

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 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 2025-03-25 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: TX

Complaint narrative:
I do not recognize nor did I consent to these companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is identity theft.

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 2025-03-25 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: TX

Complaint narrative:
I do not recognize nor did I consent to these companies XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is identity theft.

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 2025-03-25 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:
I do not recognize nor did I consent to these companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-03-25 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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:
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 explanation
Consumer complaint received 2025-03-25 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: NJ

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 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 2025-03-25 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute an unrecognized credit inquiry on my credit report. I believe this inquiry was made in error or without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries must be authorized by the consumer. As I did not provide authorization for this inquiry, I request that it be removed from my credit report.

The details of the unrecognized inquiry are as follows : Date of Inquiry : XX/XX/year> XXXX Name : XXXX XXXX XXXX Finance ) I kindly request that you investigate and remove this unauthorized inquiry from my credit file within 5 business days, as required under the FCRA. If this inquiry can not be verified as authorized, I expect prompt removal, and I appreciate your cooperation in maintaining the accuracy of my credit report. 
If you require any additional information or documentation to process this request, please let me know. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I called XXXX XXXX  and asked them to immediatly remove all of the adverse reporting late payments as they failed to follow 15 U.S.C. 6802B and i never recieved any written corospondance asking my permission for this information to be furnished on my report as the consumer law states. they are directly causing me harn and violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of ac

counts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a co
nsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of ac

counts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a co
nsumer 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against Equifax regarding the continued reporting of an inaccurate and derogatory account from XXXX XXXX on my credit file. This account is not present on either XXXX or XXXX and has been deleted/removed from those bureaus. Despite this, Equifax continues to report the account as revolving and derogatory, which is causing irreparable harm to my creditworthiness and score. 

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681i ( a ) Reinvestigation of Disputed Information : Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of an account.

1681i ( a ) ( 7 ) Disclosure of Reinvestigation Procedure : I formally request a detailed description of the procedures used by Equifax to verify the accuracy of the XXXX XXXX account. 

1681e ( b ) Accuracy of Credit Reports : Equifax must follow reasonable procedures to ensure maximum accuracy.

1681g & 1681h Right to Full Disclosure & Proper Identification : I have not received proper disclosure or investigation documentation regarding this matter.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) The creditor or data furnisher must cease collection activities ( including reporting ) if the debt is disputed until verification is provided. No such verification has been provided.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 Equifax may be improperly sharing or retaining inaccurate data without my consent or proper verification, violating privacy and data protection provisions.

15 U.S.C. 1681b Permissible Purpose Reporting inaccurate or unverified derogatory accounts without proper reinvestigation may be considered an impermissible use of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am being pursued for a debt by Caine & Weiner ( on behalf of XXXX XXXX XXXX for a contract that was renewed without my authorization. I never approved this renewal and did not sign any agreement to continue the policy. 
I respectfully request the removal of this collection account from my credit report, the cancellation of any outstanding balance, and a written confirmation that this account has been closed. I also request that Caine & Weiner cease any further collection activity and that XXXX XXXX confirms in writing that no valid authorization was given for this renewal. 

XXXX XXXX XXXX is reporting a collection account on my credit file related to XXXX XXXX. I do not recall ever receiving a formal notice of this debt, and I have not received any documentation validating the amount or origin of the debt. I am requesting full validation and proof of contract. 

I have disputed this debt previously and still disagree with its validity. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX cease all collection activity until proper validation is provided. 

If they are unable to validate the debt with signed documentation, I request its removal from all credit reporting agencies and a confirmation in writing that the account is closed. 

XXXX XXXX XXXX is reporting three collection accounts on my credit file, all related to XXXX XXXX. I have previously disputed the accuracy of these debts and do not believe they were properly validated. 

The XXXX account is due to fall off soon and should already be removed according to the FCRA XXXX limit. The others do not contain clear proof of authorization, balance breakdown, or signed contracts. 

I respectfully request the immediate removal of all accounts that lack proper validation, and written confirmation that these debts will no longer be pursued. 

XXXX XXXXXXXX XXXX has reported two charged-off credit card accounts on my credit report. I acknowledge the accounts, but I am requesting a full investigation into the accuracy of the balances and reporting. 

I have not received final account statements showing the breakdown of interest, fees, or closing details. I am also requesting a goodwill deletion, as these accounts are closed and fully charged off. 

If XXXX XXXX can not validate these accounts with full documentation, I request that they be removed from my credit report under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
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 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 2025-03-25 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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