vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I received a message from my Credit Bureau that there has been a collection account opened on my credit. When I looked into it and called the credit bureau, I realized that this is not me and the address that this is associated with does not belng to me. My credit score has always been in excellent standing and I have never been late on any of bills. I need this to be removed from my credit as it is affecting it significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I am filing a complaint against Equifax 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. 1681i, 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 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 I have marked as 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. 

These are the inquired that I have marked as 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 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 2025-02-07 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: MO

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 XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX 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 generally, 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.

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 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 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Late Payments on a Closed Account ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account is reported as " Paid, Closed '' as of XX/XX/XXXX, meaning no further payments were due after that date. 
However, the report incorrectly shows a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, despite on-time payments being reported for prior months. 
If the account was closed and paid, it is factually inaccurate to report delinquencies during that time, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account.

Failure to Accurately Update Account Closure Status ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance section of the report is blank, yet the payment history reflects a past due status, which is contradictory. 
The reporting does not clarify whether any outstanding balance was due at the time of closure, making it unclear and misleading.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and clear credit reporting to ensure the account details reflect actual payment history.

Failure to Provide Correct Payment History on a Paid Account ( 12 CFR 1002.10 Furnishing of Credit Information ) Since the account is marked as " Paid, Closed, '' it should not continue to reflect missed payments after closure. 
The reporting of late payments on a fully paid and closed account is inaccurate and misleading, which negatively impacts my credit standing. 
This violates 12 CFR 1002.10, which mandates that creditors ensure credit information is furnished accurately and updated properly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that creditors ensure credit information is correct and properly updated. The erroneous delinquency reporting on a paid account violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transaction ( s ) Ive made. They are all a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-02-07 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
These are not my debts. I am a victim of identity theft. 
I did not open, or authorize, these accounts. 
The information listed, regarding these accounts, which also appears on my credit report, are not my own. 
I have never lived in XXXX, GA. 
My name is not spelled XXXX XXXX. 
Someone has stolen my information during a data breach with XXXX, as well as, XXXX ( XXXX ). 
Someone has obtained my photo ID/Drivers License as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
These are not my debts. I am a victim of identity theft. 
I did not open, or authorize, these accounts. 
The information listed, regarding these accounts, which also appears on my credit report, are not my own. 
I have never lived in XXXX, GA. 
My name is not spelled XXXX XXXX. 
Someone has stolen my information during a data breach with XXXX, as well as, XXXX ( XXXX ). 
Someone has obtained my photo ID/Drivers License as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On Friday, XXXX XXXX, 2025 at XXXX Eastern time I contacted Bread Financial and spoke with XXXX for the XX/XX/XXXX . I had {$25.00} inXX/XX/XXXXXX/XX/XXXX rewards that I attempted to use while placing an order. The order did not go through because I entered the CVV incorrectly. However, upon going back to place the order after grabbing my physical card, I notice I was now down {$5.00} and only had {$20.00} inXX/XX/XXXX XX/XX/XXXXrewards. I contacted Bread Financial at the time indicated in my opening statement and I was told I would be credited the {$5.00} within roughly 5 minutes. An hour later the credit was still not in my account so I had to call Bread Financial yet again and spoke with XXXX who stated it could take longer than 5 minutes with no indication of how long. This is an absolutely unacceptable way of conducting business. My order was never placed therefore I should not have lost any of my credit card rewards. Luckily I had screenshot everything showing that I had {$25.00} in credit card rewards before {$5.00} of those credit dollars went mysteriously missing. This is a common complaint if you read the reviews about this card and its rewards. Bread Financial is totally deceptive and never ends up crediting the missing rewards. I am done wasting time trying to solve this via phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am in the process of getting my family our very own home ( 1st time homeowner ) On XXXX XXXX, XX/XX/XXXXI was shocked to recieve alerts of 2 collections accounts from National Recovery Agency in XXXX, PA. I never received a dunning letter from this agency prior to them reporting me to the credit bureaus. I called National Recovery Agency ( NRA ) and advised them this wasnt my debt and asked them for a debt validation letter. I was told this would take 4-6 weeks to send me this letter. NRA also said the original debt is from a hospital in XXXX, 6 years ago. I do not believe I owe this debt and the methods of which I have tried to get validation have not proved I owe this debt. 

I had no warning, no bill from what so ever. I have been working on my credit for the past two years making sure I paid everything off. This was a huge peek-a-boo hit to my credit profile, without ever getting a bill. To make matters worse, NSA reported two separate collections accounts at one time. This has dropped my FICO score by XXXX points. Any help would be greatly appreciated. -Thx XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX Last 4 SSN : 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 2025-02-07 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: MD

Complaint narrative:
Equifax has two hard inquiries on my file that were fraudulent. When disputed, the Equifax response was that the inquiries were factual. This is untrue. A fraudster attempted to open at least 4 accounts in my name in XXXX, and appears to have accessed my XXXX account and added a fraudulent XXXX email address and phone number in my record. 

For the Equifax hard inquiries, the accounts were as follows : XX/XX/2025 XX/XX/XXXX XXXX XXXX XX/XX/ 2025XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reviewing lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
At XXXX on Friday XX/XX/XXXX I called Ability Recovery for a medical collection that is being claimed on my credit. I asked him to please remove that off my credit report and I stated that medical bills are not suppose to be showing on credit reports anymore. He said that it hasn't been passed yet for for that to be able to happen and that he didn't care he wasn't removing the bill from my credit until it was paid. I called back at XXXX, because I had looked it up and it said it started on XX/XX/scrub> 2025 and would he remove it. He said again he would not remove til I paid it and then hung up on 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 2025-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
1. overcharging on Balance of loan in XXXX XXXX, XXXX, XXXX XXXX, {$1000.00} XX/XX/XXXX {$1400.00}. 

2. we made an overpayment of {$3000.00}. in XXXX which the Company should have repayed in the amount of {$2400.00}. 

The Company was checking on this request but never came back with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
Remove accounts reported i was in impacted by covid19 at the time and other accounts i dont recognized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$9600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company 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 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XX/XX/XXXXDear XX/XX/XXXX Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information.

Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information.

Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made.

However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date.

This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

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