vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ). Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty. I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation. Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified. I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. I have attached my identity theft 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 2025-05-14 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: NJ

Complaint narrative:
I am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ). Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty. I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation. Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified. I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. I have attached my identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: River Financial Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received an email notification stating that my account had been closed. The message read : " After a review of your account, we have determined to discontinue this business relationship. We have closed your account. River reserves the right, in its sole discretion, to limit or terminate a users access to its Services. If you have attempted a recent transaction, we may also exercise our right to cancel or reverse any such transaction. Unfortunately, for security reasons, we can not provide additional details. '' In response, I wrote the following reply : " I am unsure what is happening with my account. I opened it on XX/XX/year>, with an initial purchase of {$2000.00} worth of XXXX. Subsequently, I made XXXX additional purchases : {$250.00} on XX/XX/year>, and {$200.00} on XX/XX/year>. Moreover, there were XXXX unauthorized withdrawals : {$200.00} on XX/XX/year>, and another {$25000.00} on XX/XX/year>, from my XXXX Banking account. These transactions total {$27000.00}. 
On Friday, XX/XX/year>, upon noticing the XXXX withdrawals, I attempted to log into my River account but was unsuccessful. I then called ( XXXX ) XXXX, only to receive a message stating that phone support was unavailable, and I was directed to email XXXX. I contacted XXXX regarding these fraudulent withdrawals. 
Thank you for your prompt email response, which is attached. However, I have several concerns : The amount of {$25000.00} does not match the {$27000.00} I invested, nor does it account for any increase in value. 
Having to wait until XX/XX/year>, for resolution is unacceptable. 
Please review my closed account. I had implemented all recommended security steps to prevent such occurrences. The discovery that my account was closed and unauthorized activity took place necessitates a thorough investigation and explanation. 
I have received a refund from my XXXX Bank covering the {$25000.00}. I have also requested the initial {$200.00}, but that matter is still under review. 
I did not sell any XXXX, and I have adhered to all prescribed security procedures. River Financial processed withdrawals without my authorization. I should be made whole, and the SEC should be notified about these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: NC

Complaint narrative:
it was old secured credit card with {$300.00} credit limit ( which is my money ) after went XXXX XXXX in the end of XXXX and then Covid start git stuck there over 2 years so that's mean i'm struggling and couldn't pay bill this company charged my card off and closed my account which is impacted my credit score f a years!!! after got back from trip i did paid the full balance but they still keep it in my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$3.00}, XXXX written off. 

Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$870.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 

Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$380.00} past due as of 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 2025-05-14 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-14 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: PA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to accurately report the status of a credit account associated with XXXX XXXX XXXX XXXX  account ending in XXXX. 
According to a written confirmation letter from XXXX XXXX dated XX/XX/XXXX, this account was fully settled on XX/XX/XXXX, and has a {$0.00} balance. However, Equifax continues to : Report the account as XXXX XXXXXXXX XXXX XXXX  XXXX ) notations in the monthly payment history through the date of settlement Fail to report the status as Settled or Paid in Full for Less Than Full Balance This inaccurate and misleading reporting violates multiple federal laws and standards, despite clear documentary proof being provided. 

Legal Violations Committed by Equifax : XXXX. FCRA 15 U.S.C. 1681e ( b ) : Equifax is failing to maintain accurate and up-to-date credit information. 
XXXX. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( XXXX ) ( A ) : They have not conducted a reasonable reinvestigation or corrected the disputed errors. 
XXXX. FCRA 15 U.S.C. 1681s-2 ( b ) : The furnisher ( XXXX XXXX ) has already provided updated information, and Equifax has XXXX to reflect it. 
XXXX. FCRA 15 U.S.C. 1681n & 1681o : Their continued failure to correct this issue amounts to willful or negligent noncompliance. 
XXXX. Metro 2 Standards : Equifax is not following the correct coding structure per the XXXX : o Status should be Settled o Balance should reflect {$0.00} XXXX CO notations must cease as of the settlement date XXXX. XXXX 12 U.S.C. 5531 & 5536 : The continued reporting of derogatory data after settlement is deceptive and abusive, harming my creditworthiness. 
Supporting XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX v. Equifax, XXXX. XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX XXXXn, XXXX. XXXX ( XXXX. XXXX. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to use my debit card and was declined so I tried to check the app and a legend was shown saying that my account doesn't exist, I called to BofA and they just said my account was closed and they're on their right on doing that without explanations because of their policy. All this happened on XX/XX/year> between XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2025-05-14 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-05-14 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AL

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 2025-05-14 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: AL

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 2025-05-14 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: GA

Complaint narrative:
We did take this loan out on XX/XX/year>. We have never received a monthly statement, despite the fact we pay via XXXX each month. This is a violation of the EFTA act. Another issue with the XXXX is that our payment is sometimes from BHG and sometimes via XXXX XXXX XXXX. Nowhere in the loan documents does it state any affiliation with XXXX XXXX XXXX. Now my private banking information has been disclosed to a XXXX party without my consent. They did not sell the servicing, because some months it's being drafted by BHG and some months is being drafted by XXXX. 

I inquired about an online portal and was advised there is not one. I inquired about not getting statements and that was not addressed. I did aske for my signed loan documents and received the TIL and Promissory note. I did ask for a payment history and was provided that as well. I did not receive any type of monthly statement.

I feel unauthorized sharing of my banking date is a breach of contract. Failing to send monthly statements is a violation of the EFTA act and BHG should be held responsible for both of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provided Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 am writing to formally dispute the inaccurate reporting of medical debt on my credit report. After reviewing my credit file, I noticed that the following debt ( XXXX ) have been reported in violation of federal consumer protection laws. 

TransUnion Account : XXXX XXXX Amount : $ {$3100.00} Medical Debt As outlined under the Consumer Financial Protection Bureau XXXX CFPB ), Regulation V, XXXX XXXX XXXX Creditors and Consumer Reporting Agencies Concerning Medical Information Rule ( the Medical Debt Rule ), these debt ( XXXX ) must be removed. 
This regulation prohibits the inclusion of certain medical debt on consumer reports and strengthens protections for individuals affected by delayed or disputed medical billing. 
The inclusion of this medical debt has caused unnecessary harm to my credit standing, despite recent federal guidelines specifically designed to prevent such impactsparticularly for debts that may be inaccurate, unverifiable, or currently in dispute with healthcare providers or insurers. 

I respectfully request that you : Immediately investigate and verify the legitimacy and reporting eligibility of the listed medical debt ( XXXX ). 

Remove any debt that does not meet the criteria outlined in the Medical Debt Rule.

Provide written confirmation of the removal and an updated copy of my credit report. 

Please consider this request urgent and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). I have also attached supporting documentation for your review, if applicable. 

Thank you for your attention to this matter and for taking the necessary steps to ensure fair and accurate credit 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 non-monetary relief