vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
They sent an email to my wife who is not a signer or guarantor on the loan along with the amount owed. I believe this is a violation See following From : XXXX XXXX XXXX Date : XX/XX/year> at XXXX XXXX To : XXXX Subject : XXXX XXXX Regarding your debt from Advance Financial Reply-To : XXXX XXXX  logo Outstanding balance alert Your Line of Credit balance of {$8800.00} with Advance Financial is now being handled by XXXX XXXXreview your available settlement and flexible payment plans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
My personal and financial data were compromised, violating FERPA. I request the full cancellation of my student loan debt. DPT ED/AIDV XXXX Student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Problem with rewards, bonuses, or points/ Failure to honor promotion terms/ Misleading communication. 

I am filing a complaint against XXXX XXXX XXXX / Morgan Stanley Private Bank regarding their refusal to pay a {$250.00} promotional bonus associated with opening a new checking account. Despite fulfilling all written requirements of the promotion and receiving multiple written confirmations from XXXX XXXX XXXX that I had met the qualifications, the bank denied the bonus without providing a valid, written justification based on the offer terms. 

Please find attached all communications with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XX/XX/year>, has violated my rights. 
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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
I am writing to file a formal complaint against Continental Credit Control regarding a medical bill they have placed in collections, which I have already resolved through my health insurance provider. 

On XX/XX/year>, I received a XXXX  XXXX  at XXXX XXXX XXXX XXXX. At that time, I was insured through XXXX XXXX. My insurance provider confirmed that my total responsibility for the service was a {$150.00} co-pay, which I paid. 

Following the service, I began receiving additional billing requests from XXXX XXXX XXXX XXXX for a higher amount. Concerned, I contacted my insurance company, who investigated the matter directly with the provider. After reviewing the claim and speaking with the providers billing department, the insurance company confirmed that my financial responsibility remained only {$150.00}, and no further payment was owed. 

Despite this resolution, I have now received notice from Continental Credit Control, a collection agency, attempting to collect an unjustified additional amount for the same XXXX XXXX  Their letter is threatening in tone, causing undue stress and implying negative credit consequences. This is especially concerning since I have already paid the full amount I owe, and my insurance carrier confirmed the account was resolved. 

I request that : 1. Continental Credit Control immediately cease all collection efforts regarding this invalid debt.

2. The collection entry be removed from any and all credit reporting agencies if it has been reported.

3. A formal apology and written confirmation be provided stating that the account has been closed and no further action will be taken against me. 

This situation has caused unnecessary distress and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) if they continue to pursue a resolved and disputed debt. 

I am prepared to escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office if this issue is not resolved immediately and in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECEIVED XXXX FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON XXXX XXXX REPORT AFTER CHECKING MY MOST UPDATED XXXX  REPORT XXXX STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS XXXX Robinhood is claiming and reporting this balance to a third party even though it has been cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Village Capital & Investment LLC
State: MI

Complaint narrative:
I was looking to have my wife assume the position of my daughter on an fha loan. The loan officer contacted me and I told him that I did not need him to pull my credit because Im already on the loan and the information he needs is only my wifes. He proceeded to tell me that I have to re qualify, I was in the business for XXXX XXXX XXXX this is a flat out lie to have me refinance so that they can make money. He never got an app on me or no consent. He didnt call to inform us that he was pulling credit. He did have consent from my wife for her credit but not mine. This is illegal and since he pulled my credit I have gotten over XXXXXXXX XXXX in just a matter of 6 hours asking me the refinance. Each person that has called said that they got my info from the fact he pulled my credit. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
This company encourages the utilization of transferring funds from your bank to your XXXX balance, and once I successfully transferred funds from my bank to the XXXX account, it triggered the suspension of my account. They responded by noting : to better protect my account I was to send a copy of my photo identification, and my account would be suspended until my photo identification was completed. I complied with sending my photo identification and also called their support number and was told the account suspension would be lifted once I sent my identification photo. A day later I received another email stating that my account is permanently suspended and I will not be able to remove the {$100.00} XXXX of funds that their service encouraged me to transfer to their app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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:
RE : FORMAL DEMAND FOR VALIDATION & REMOVAL UNAUTHORIZED NEGATIVE REPORTING ACCOUNT XXXX XXXX To Whom It May Concern : This letter constitutes a formal dispute and validation demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), as applicable, concerning the inaccurate and unauthorized reporting of the above-referenced revolving account. 

This account is listed under XXXX XXXX XXXX XXXX with a high balance of {$3000.00}, a past due amount of {$240.00}, and multiple late payments. However, I am listed only as an authorized user, not the primary account holder, and therefore can not be legally held responsible for any payment obligation on this account. 

Be advised of the following legal issues with the reporting of this account : XXXX. Misattribution of Liability As an authorized user, I am not contractually liable for this account, and derogatory reporting tied to my name constitutes false and misleading representation under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

2. Violation of Reporting Standards The inclusion of negative payment history on a non-obligated authorized user is inconsistent with XXXX XXXX reporting standards and XXXX agreement formatting. 
XXXX. Failure to Update After Dispute You have failed to either remove or suppress this derogatory information despite a known lack of liability and disputed reporting, in direct violation of 15 U.S.C. 1681i.

4. Furnishing Inaccurate Data to Third Parties Continued furnishing of adverse data without factual or contractual basis constitutes willful noncompliance and opens your institution to statutory liability under 15 U.S.C. 1681n. 

This account is not mine. I have no legal responsibility for it and never agreed to be liable for the charges, delinquencies, or outstanding balance. Reporting me as associated with late payments or a charged-off status is patently false and financially damaging.

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 2025-04-22 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

And according to 15 USC 1681s-2 they are suppose 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.

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 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
I reviewed my credit report on XX/XX/year> and seen that IQ Data International is reporting an alleged debt of {$2100.00} from XXXX XXXX XXXXXXXX that I do not owe. Upon contacting IQ Data International about this debt, XXXX who is the assigned representative for the account, was very nasty, rude, and did not provide me with any information I asked for along with hanging up on me twice. I never received my security deposit from XXXX XXXX XXXX when I moved out which wouldve covered this alleged balance. I was told that in order for me to get my security deposit I need to pay the alleged balance. She has not answered why I would need to pay {$2100.00} that XXXX XXXX XXXX already has possession that I paid in security deposit on my move in date. The security deposit I paid is in the amount of {$2700.00}. Which means I was to receive {$540.00} back for the deposit. I have the documents stating I paid the security deposit will attach it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
hello i found five unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file

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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss and i seek appropriate redress for theses violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
My personal and financial data were compromised, violating FERPA. I request the full cancellation of my XXXX XXXX XXXX 

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 2025-04-22 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: AZ

Complaint narrative:
My personal and financial data were compromised, violating FERPA. I request the full cancellation of my XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief