vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card account with XXXX. 
I used bank of america bill pay to make payment every month. 
Every time I make the payment normally the money go towards my credit card payment. 
On XX/XX/year> I made a payment using bank of america bill pay service to make the payment toward my credit. Bank of america deducted the {$400.00} from my account but XXXX said the never received the money from bank of america and this problem happened for 3 months {$400.00} for the month of XX/XX/year>, {$1000.00} for the month of XXXX, {$800.00} 2024 for the month of XXXX i file a claim twice with bank of america XXXX return the money the claim come back dismissed. 
I file a claim with XXXX to search for the money XXXX said they didn't receive any money from bank of america but the money is taking from my bank account. 
Bank of america can not tell me where the money goes and XXXX said they did not received the money from bank of america. 
Bank of america said they send the money to XXXX using electronic transfer. 
The total amount is {$2400.00}. 
XXXX trying to see how i can get the money back

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested a reinvestigation of my credit profile since the information reported was inaccurate, and therefore violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and the Fair Credit Billing Act, 15 U.S.C. 1666. These errors on my credit profile prevent me from getting funding for my livelihood.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing serious, ongoing harm.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am receiving repeated collection attempts from Portfolio Recovery Associates regarding an alleged debt. 

On XX/XX/year>, I requested that they cease all communications with me, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Despite this, they have continued to contact me by [ phone/mail/email ] on multiple occasions.

Their continued contact after my cease and desist request is a violation of my rights under the FDCPA. This has caused unnecessary stress and disruption.

I am requesting that the CFPB ensure that [ collector name ] immediately cease all communications with me, confirm compliance in writing, and correct any negative credit reporting associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Nav Technologies, Inc.
State: TX

Complaint narrative:
I have been disputing these unauthorized hard inquiries but they have yet to be removed from my XXXX  credit profile which is XXXX. The law ensures that everything reported on my credit profile has to be XXXX XXXX percent accurate or by law it has to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the accuracy of the account reported by LVNV Funding on my TransUnion credit report. Neither LVNV Funding nor TransUnion provided me with the disclosures required under federal law prior to reporting this account.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies must conduct a reasonable investigation of disputed information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing specific information regarding the debt before taking collection action. 

I further note that verification under the FCRA requires attestation or certification of accuracy, as recognized in XXXX XXXX XXXX ( XXXX XXXX. XXXX, XXXX ), and this standard has not been met in this instance. 

I request that TransUnion and LVNV Funding provide proper verification of this debt, including the documentation used to report it, or remove the account from my consumer report.

Please find attached copies of my government-issued identification and proof of residency to verify my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification * NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Thank You, Attached : Copy of my Social Security Card & Drivers License is attached Sent : USPS Certified Mail XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX ( Account # XXXX ) Opened XX/XX/XXXX in the amount of {$12000.00} I have reported this account for false usage back in XXXX of XXXX. I've had a credit block on prior to this account being opened.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX ( Account # XXXX ) Opened XX/XX/XXXX in the amount of {$12000.00} I have reported this account for false usage back in XXXX of XXXX. I've had a credit block on prior to this account being opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CO

Complaint narrative:
Your bank 's failure to accurately report my account activity has damaged my credit. Specific violations of 15 U.S. Code 1666 ( b ) include : the misapplication of payments, calculation errors in reported amounts, and the imposition of late fees without the legally required 21-day notice. 

These reporting inaccuracies constitute a clear breach of 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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am providing additional feedback regarding the companys response. Despite my request for a wet ink signature and full debt validation, the company only resent the same scanned documents. They are now continuing to report the account as valid on my credit report. 

I have also discovered that they are reporting themselves as the original creditor, when the loan documents clearly show that the original creditor was XXXX XXXX XXXXXXXX XXXX XXXX This is a direct violation of the FCRA, 15 U.S.C. 1681s-2 ( a ), as the information furnished is inaccurate.

In addition, per 15 U.S.C. 1692g ( b ) and 1681s-2 ( b ), the company must cease collection/reporting until the debt is fully validated, which has not occurred. 

I am requesting that the CFPB take further action and that this item be removed from my credit report due to failure to comply with federal debt collection and credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am submitting this complaint regarding a debt collection action taken against me that I believe violates my rights under federal and state law. 

Details : On XX/XX/year> I was served at my place of employment with a notice to garnish my wages for an alleged debt. 

The debt in question is debt : XXXX XXXX file number XXXX XXXX XXXX I believe this debt is past the statute of limitations in California meaning it is time-barred and legally unenforceable through collection or wage garnishment. 

I have requested verification of this debt from the creditor/debt collector but have not received sufficient proof of the debt or confirmation that it is within the legal collection period. I've paid more then the owe value of the debt, Violation Concerns : Attempting to garnish wages for a time-barred debt may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I am concerned that my rights under both state statute of limitations laws and federal debt collection protections are being violated. 

Requested Action : Please investigate this matter and ensure that the collector ceases all collection activity on this time-barred debt. 

Provide guidance on my legal rights and remedies in this situation. 

Attached are copies of : The wage garnishment notice served at my workplace Correspondence with the creditor or debt collector Any supporting documentation regarding the alleged debt and timeline Thank you for your prompt attention to this matter. I look forward to your guidance and resolution of this complaint.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received written confirmation from XXXX XXXX XXXX regarding two medical collection accounts originally tied to XXXX XXXX XXXX 

File # XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 

File # XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 

The collector confirmed that : Both accounts were settled in full and the balances are now XXXX. 

All collection activity has ceased and their files are closed. 

They have already submitted deletion requests to Experian, Equifax, and TransUnion, advising that it may take 3060 days for the updates to appear. 

Despite this, these accounts remain listed on my credit report as active derogatory collections. This makes the reporting inaccurate, incomplete, and misleading, violating FCRA 607 ( b ) ( accuracy ) and FCRA 611 ( a ) ( reasonable reinvestigation ). 

I am requesting that the credit reporting companies honor the furnishers deletion request, correct my file immediately, and confirm deletion in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account details XXXX File Number : XXXX Current Creditor : XXXX XXXX XXXX XXXX Current Creditor Account : XXXX Original Creditor XXXX XXXX XXXX XXXX Creditor Account : XXXX Dear Sir/Madam, Please be advised that the above account has been settle in full with this office. We have closed our files and ceased all collection activity, and the account balance is XXXX. If you have any questions, please feel free to contact this office. 
* Please be advised that we have submitted a request to delete this account from your credit report. Please allow 30 to 60 days for the bureaus to update their records. 

This Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Sincerely, XXXX XXXX XXXX ( 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 2025-09-02 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: TX

Complaint narrative:
On XX/XX/year>, I received written confirmation from XXXX XXXX XXXX regarding two medical collection accounts originally tied to XXXX XXXX XXXX 

File # XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 

File # XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 

The collector confirmed that : Both accounts were settled in full and the balances are now XXXX. 

All collection activity has ceased and their files are closed. 

They have already submitted deletion requests to Experian, Equifax, and TransUnion, advising that it may take 3060 days for the updates to appear. 

Despite this, these accounts remain listed on my credit report as active derogatory collections. This makes the reporting inaccurate, incomplete, and misleading, violating FCRA 607 ( b ) ( accuracy ) and FCRA 611 ( a ) ( reasonable reinvestigation ). 

I am requesting that the credit reporting companies honor the furnishers deletion request, correct my file immediately, and confirm deletion in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account details XXXX File Number : XXXX Current Creditor : XXXX XXXX XXXX XXXX Current Creditor Account : XXXX Original Creditor XXXX XXXX XXXX XXXX Creditor Account : XXXX Dear Sir/Madam, Please be advised that the above account has been settle in full with this office. We have closed our files and ceased all collection activity, and the account balance is XXXX. If you have any questions, please feel free to contact this office. 
* Please be advised that we have submitted a request to delete this account from your credit report. Please allow 30 to 60 days for the bureaus to update their records. 

This Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Sincerely, XXXX XXXX XXXX ( 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 2025-09-03 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:
Formal Dispute of Inaccurate and Unverified Information on Credit Report To Whom It May Concern, I am writing to dispute several inaccurate and unverifiable entries on my Experian credit report. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( 15 U.S.C. 1666b ) regarding the duty to provide timely and accurate notice of delinquencies and account closures. 

The following items are disputed as inaccurate, incomplete, or unverified : 1. XXXX XXXX XXXX XXXX reported late payments ( 30120 days ). Please provide proper verification, including account statements and notices required by law, or delete this entry. 
2. XXXX ( Collections ) reported collection account. Provide complete documentation, including original creditor agreement, payment history, and proof of compliance with 15 U.S.C. 1692g ( validation of debts ), or remove. 
3. XXXX XXXX XXXX XXXX XXXX Charge-Off reported charge-off status. Please provide original notices of delinquency and charge-off, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( duty to notify consumer of negative credit reporting ). If such documentation can not be furnished, this account must be deleted. 
4. Closed Accounts with Negative History multiple closed accounts continue to reflect derogatory remarks. Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers must ensure that information is complete and updated. A closed account should not report new delinquencies or incomplete status codes. 

My rights under the law require the following : A reasonable reinvestigation of each disputed item ( 15 U.S.C. 1681i ). 
Removal of all information that can not be verified within 30 days. 
Written notice of investigation results and the updated credit file provided to me. 

If Credit reporting agency and the furnishers can not substantiate these items with full and proper documentation, they must be immediately deleted from my report. 

Enclosed are copies of my government-issued ID and utility bill for identity verification.

Company response to consumer: Closed with non-monetary relief