vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTION SERVICES is reporting a {$9500.00} debt related to an account originally assigned by XXXX XXXX  on or around XX/XX/XXXX. The debt appears on my credit file through XXXX under account ending in XXXX. 

I disputed this debt with XXXX on XXXX separate occasions ( Confirmation # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX ). AMSHER responded by verifying the debt but failed to provide any of the documentation required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested and was not provided with : A copy of the original signed agreement proving I am responsible for this debt. 

An itemized accounting of how the {$9500.00} amount was calculated. 

A complete chain of title showing AMSHER legally owns or has been assigned this debt.

Proof that the debt is still legally enforceable ( not past the statute of limitations ).

Verification that AMSHER is licensed and authorized to collect debt in the state of Florida.

Despite these missing documents, AMSHER continues to report this debt, which is damaging my credit. This reporting is a negative action being taken without validation and in violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

I am requesting that the CFPB require AMSHER to : Provide the requested documentation within 4 business days, or Immediately remove the account from my credit report across all bureaus and cease all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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 : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

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 CFB '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 the federal law and provides consumers with the necessary proof of investiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$370.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$280.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to dispute an account on my credit report that I do not recognize. The following collection account is not mine, and I am requesting its immediate removal from my credit report : Creditor Name : CREDIT COLLECTION SERVIC Account Number : XXXX Account Type : Collection Responsibility : Individual I have never opened or authorized this debt and believe it may be reported in error or as a result of identity theft. I request that you investigate this matter and delete the account from my credit file, as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Account # XXXX HARD INQUIRY : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The accounts have violated my rights under the following provisions : 15 U.S.C. 1681 ( a ) ( 4 ) : I have a right to privacy.

15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency may not furnish a consumer report without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include in a consumer report any adverse information ( other than records of convictions ) that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any consumer information relating to a 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 2025-03-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX account # XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights.15 U.S.C 1681 section 604A section 2.It Also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-03-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Until I receive proper validation, I request that you cease all collection activities and stop reporting this debt to credit bureaus. If you can not provide adequate proof of this debt, please remove any related negative information from my credit report Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Until I receive proper validation, I request that you cease all collection activities and stop reporting this debt to credit bureaus. If you can not provide adequate proof of this debt, please remove any related negative information from my credit report Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX of this year, someone unknown used my card on XXXX I have a debit card from credir karma money ( XXXX XXXX ). First there was an attempt to buy for XXXX XXXX but there was no such amount in the account. Then the hacker bought for XXXX XXXX I did not receive any text message from the bank that it was a suspicious transaction and did i do it? Especially on card was little money and when hacker buying on XXXX $ and then another small amount on the godaddy.com my account went into minus.No reaction from the bank and credit karma, not a call or text message. i blocked my card and account with chat on the same day, XX/XX/XXXX. Today bank informed me that dispute denied. Terrible bank with terrible service and protection. 
XXXX XXXX My routing number XXXX Account number XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX phone XXXX but i have bad Englishe yet, my email XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove or update these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Please promptly eliminate the late payment and UPDATE this account immediately. 
XXXX XXXX XXXX Balance : {$300.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$370.00} Date Opened : XX/XX/XXXX I request that this account be completely removed from my credit report. Please take immediate action to delete it. 
XXXX XXXX XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I am filing a formal complaint against Experian regarding their inaccurate and unfair credit reporting practices. Requested disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now Imunable to dispute. The account in question is XXXX and associate account # XXXXTheir reporting of my account contains errors and potential violations of federal laws designed to protect consumers and I believe it is a violation of FCRA, 15 U.S.C. 1681

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 2025-03-24 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: PA

Complaint narrative:
I am filing a formal complaint against Experian regarding their inaccurate and unfair credit reporting practices. Requested disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now Imunable to dispute. The account in question is XXXX and associate account # XXXXTheir reporting of my account contains errors and potential violations of federal laws designed to protect consumers and I believe it is a violation of FCRA, 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-24 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 Balance {$550.00} Open Date XX/XX/XXXX XXXX Balance {$920.00} XXXX Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Balance {$490.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$460.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$30.00} Open Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Opened new personal account with Bank Of America. Deposited XXXX  XXXX check for {$5400.00} on XX/XX/XXXX in new account. Was told amount would not be held. Bank is refusing to release funds, until XX/XX/XXXX which violates The Expedited Funds Availability Act and is creating additional financial hardship. The check was deposited in person, to my personal account and does not exceed the additional hold amount of {$5500.00} that would require a longer hold time.

I made several phone calls to Bank of America inquiring if a shorter hold time was available. I was given multiple contradictory reasons for the hold from, account being too new, fraud protection, to needing verify the check. The check was also verified through US Treasury Check Verification using symbol and serial numbers. Bank of America still refused to release funds. The check was not damaged in any way, had to been tampere
d nor showed any signs of being fraudulent or counter fit. As previously stated it did not exceed the additional hold amount of {$5500.00} which would trigger an additional five day hold. Bank Of America should be investigated for violations of The Expedited Funds Availability 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 monetary relief
Consumer complaint received 2025-03-24 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:
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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
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 Balance {$550.00} Open Date XX/XX/XXXX XXXX Balance {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$490.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$460.00} Open Date XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-24 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: LA

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 explanation
Consumer complaint received 2025-03-24 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had auto withdraw from XX/XX/XXXX through XXXX, they show a bunch of principle payments less than my payments. I only make large principle payments of {$500.00} or more. When all those showed up to me I had a {$220.00} payment that making That's just one thing, my checking account showing {$3000.00} on my large credit card payment in 1month even though I only have $ XXXX income XXXX. they also show fake charges with people you buy with. I only got {$2.00} of {$3500.00}! 

They were stealing on my large credit account by false charges and showing You didn't make your payment.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
credence resource management collection unknow fraud

Company response to consumer: Closed with non-monetary relief