vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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:
Subject : XXXX XXXX XXXX XXXX FCRA XXXX FDCPA XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a formal complaint against Celtic Bank XXXX XXXX XXXX for XXXX and unverifiable reporting on my credit reports. 

Account Information : Creditor : XXXX Bank XXXX XXXX XXXX XXXX : Account reported as " Purchased by another lender '' without verification or accurate ownership information Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without proper investigation FCRA 609 ( a ) ( 1 ) : Failure to provide verification and ownership documentation FDCPA 807 : Reporting misleading and unverifiable information This account is being reported as " Purchased by another lender '' without disclosing accurate ownership or proof that the debt is valid and belongs to me. I have requested verification but have not received any supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
Subject : XXXX XXXX XXXX XXXX FCRA XXXX FDCPA XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a formal complaint against Celtic Bank XXXX XXXX XXXX for XXXX and unverifiable reporting on my credit reports. 

Account Information : Creditor : XXXX Bank XXXX XXXX XXXX XXXX : Account reported as " Purchased by another lender '' without verification or accurate ownership information Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without proper investigation FCRA 609 ( a ) ( 1 ) : Failure to provide verification and ownership documentation FDCPA 807 : Reporting misleading and unverifiable information This account is being reported as " Purchased by another lender '' without disclosing accurate ownership or proof that the debt is valid and belongs to me. I have requested verification but have not received any supporting documentation.

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 2025-04-01 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 hard inquirys was not authorized by me and it was made by car dealer without letting me know and without my permission and her is the list included the date please remove them from my report XXXX  XXXX  XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Falsely reporting information to my credit report I am not aware of. I have asked for proof several times and I have not received a response. This is hindering my life.

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 2025-04-01 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:
Falsely reporting information to my credit report I am not aware of. I have asked for proof several times and I have not received a response. This is hindering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Dates are XX/XX/year> Loans were forgiven but still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied to open a new checking account with Capital One in XX/XX/XXXX. I was informed by a representative that my application was denied due to an old XXXX XXXX account that was allegedly sent to collections in XXXX. I was surprised by this because I have no recollection of owing XXXX XXXX  any money or receiving notice of this debt. 

I asked Capital One for documentation or validation of this debt, including the original account details, the amount allegedly owed, and when it went to collections. They were unable or unwilling to provide anything in writingjust a verbal explanation. 

Since XXXX  XXXX  was acquired by Capital One over a decade ago, and this alleged debt is nearly XXXX XXXX XXXX, I believe this decision to deny me service without evidence is unfair. I am requesting validation of the debt, written documentation, and a reconsideration of my application if the debt can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I stayed at XXXX apartments for XXXX  year. When the year was up, they offered XXXX  years lease during XXXX. I did not review lease. I moved to Texas. Company states I stayed there and caused damages. Absolutely not true. I requested proof and they sent a list of erroneous charges that supposedly occurred while I was living in Texas.

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 2025-04-01 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: FL

Complaint narrative:
Date : XX/XX/year> Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ), Dear XXXX XXXX, I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C XXXX 1666b ). 
I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled.

XXXX  - XXXX, [ XXXX was not late, bank errors. ] XXXX  - XXXX, [ XXXX was not late, bank errors. ] XXXX XXXX - XXXX, ( ) [ XXXX was not late, bank errors. ] Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or. 
Thank you for your prompt attention to this matter. 


Sincerely, With regards, __Alain XXXX XXXX XXXX IN WITNESS WHEREOF, I have signed and sealed this affidavit on the day and year first above written. I hereby certify that all statements made above are true, correct, and complete. 

Signed, sealed, and delivered in the presence of : Print Name : 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 2025-04-01 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: PA

Complaint narrative:
hard inquiry due to identity theft 

XXXX  XXXX  XXXX-XXXX  
XXXX  XXXX-XXXX  
XXXX XXXX  XXXX-XXXX  

XXXX  XXXX  XXXX-XXXX  

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 non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer.

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 2025-04-01 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: GA

Complaint narrative:
As per 15 U.S Code 1681b ( a ) ( 2 ) This repo XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX should not be reporting on my credit file. You have violated my consumer rights by reinstating this account on my credit file. The Company have not verified any documentation to me regarding this account. Please remove this item or there will be court proceedings. Your Agency have damaged my credibility. I Have provide proof where account was deleted & then reinstated on my credit profile removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
I have false inquiries with this company that I do not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXX this incident took in XXXX of XXXX  and I have all email and text messages to send back to yall because I file a complaint on alphagame.com they they said they couldn't gather no information from the company for me to resubmit my claim against cashapp XXXX that XXXX can make them refund my money because I showed proof we never received anything and cashapp thought the best action was to victimize the victim even more they did this on about XXXX different times as I fought to get my money back. I need a email so that I can resend you all my evidence against seller and cashapp. As well as the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for unfair billing and debt collection practices, as well as poor communication. 

On XX/XX/year> and XX/XX/year>, I visited XXXX  XXXX  XXXX  only to take a rapid XXXX  XXXX test for international travel. I was not sick and did not seek any medical treatment. Before both visits, I was told the cost was {$75.00} per test, which I paid upfront. 

However, XXXX  months later, I received a bill for an additional {$180.00} ( {$90.00} per visit ) for " urgent care services, '' which were never disclosed to me and which I never agreed to receive. I only needed the test to meet airline travel requirements. 

I disputed the charges with their billing department multiple times, but their communication has been extremely poor and inconsistent : They gave contradictory billing statements, with some showing {$180.00}, others {$90.00}, and XXXX even $ XXXX of which match. 

They ignored my dispute for weeks at a time and failed to follow up as promised. 

Instead of addressing my concerns, they sent my account to a debt collector ( MCG ) without notifying me, even though I was actively disputing the charges. 

I never requested my debt to be " removed from collections '' I asked for the incorrect charges to be removed entirely. 

XXXX XXXX : Surprise Billing : I was never informed of an additional {$90.00} per visit charge before or during my visits. 

Unnecessary Medical Charges : I was not sick and only needed a rapid XXXX test for travel, not an urgent care consultation. 

Billing Inconsistencies : Their statements have been inconsistentone bill shows a balance of {$180.00}, another {$15.00}, another {$90.00}. 

Unfair XXXX XXXX : They referred my account to collections without resolving my dispute or notifying me. 

Poor Communication : They failed to provide clear, consistent information or follow up on my concerns. 

I have made multiple attempts to resolve this issue directly with the company, but they have refused to provide a valid explanation for the charges

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-01 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: CT

Complaint narrative:
I previously disputed XXXX account with Trans Union, Experian and Equifax regarding incorrect dates being reported. Account number XXXX. Each bureaus noted that the dispute is resolved. I still disagree and their still reporting inconsistent and incorrect information.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-01 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:
Subject : Complaint Against XXXX XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX XXXX for unlawful debt collection practices and inaccurate reporting of a collection account on my credit reports. 

Account Information : Debt Collector : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : # XXXX Balance : {$1000.00} Violations : FDCPA 805 ( c ) : Failure to cease communication upon written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX XXXX is reporting this collection account without furnishing proof of the debt. I have requested validation of this account, and they have failed to provide signed documentation or a full account statement confirming its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
Subject : Complaint Against XXXX XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX XXXX for unlawful debt collection practices and inaccurate reporting of a collection account on my credit reports. 

Account Information : Debt Collector : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : # XXXX Balance : {$1000.00} Violations : FDCPA 805 ( c ) : Failure to cease communication upon written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX XXXX is reporting this collection account without furnishing proof of the debt. I have requested validation of this account, and they have failed to provide signed documentation or a full account statement confirming its accuracy.

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