vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to report that my credit file contains inaccurate, outdated, and unverifiable personal information that does not comply with the standards set forth under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ).

I am formally requesting a review and correction of my credit report to ensure it reflects only verified, complete, and up-to-date identifying information. Inaccurate personal data can lead to misidentification and negatively impact my creditworthiness. 

The following is my verified and accurate personal information that should appear on my credit report : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX of Birth :XX/XX/XXXX Last Four of SSN : XXXX Under the FCRA and Metro 2 guidelines, any outdated, duplicate, or unverifiable identifiersincluding incorrect name variations, previous addresses, and employer datashould be promptly removed if they can not be verified or are no longer relevant. 

I have attached the following documentation to support this dispute : A copy of my government-issued identification A recent utility bill showing my current address I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies correct my file to reflect only the verified information provided. Please provide written confirmation once the corrections have been made. 

Thank you for your assistance. 

Sincerely, 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 2025-05-30 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal supplement to my active complaint against Experian regarding inaccurate tradelines and failure to comply with the Fair Credit Reporting Act ( FCRA ). On [ insert todays date or date of the message ], I received a system-generated email from Experian stating that a recent dispute request " does not appear to have been sent directly by you or to be authorized by you. '' As a result, they claimed no action was taken. 

This response is unacceptable and appears to be a bad-faith attempt to delay or dismiss a valid consumer dispute. I personally submitted all relevant disputes and notices, both directly via certified mail and through the CFPB complaint system, and I fully authorized all communications. 

Under FCRA 1681i ( a ), Experian is obligated to conduct a reinvestigation when a consumer directly notifies the agency of a dispute. Their refusal to do so or to even acknowledge the legitimacy of my correspondence violates both the letter and intent of the 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 explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX * * * * Balance Owed : {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I filed for bankruptcy on XX/XX/year>, and I was under the automatic stay during the proceedings. On XX/XX/XXXX, I paid a deposit, and I was told that if any access were to be paid, it would be refunded to me. The deposit amount was {$1500.00} for an upcoming procedure I was undergoing at the time. The amount billed to me was {$1100.00}, which left an overpayment of {$450.00}. When I contacted the hospital about this overpayment, they stated it was transferred to an old collections account. Then, when I mentioned that it should be on hold because of the bankruptcy, they said they have no knowledge of that and there is nothing else they could do because the funds have already been sent to a third-party collections agency. Then I got two printouts with the amount transferred to the other account number. I also tried calling a 3rd party collections agency named M.D.S. Medical Data System Inc., and they stated they no longer had my account. So in the end, the overpayment was collected and never refunded to me, and I have since been discharged of this debt in my bankruptcy case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TSI regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TSI buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal statement to report inaccurate and conflicting information related specifically to charge-off accounts listed on my credit reports with XXXX XXXX, and TransUnion. Upon review, I have found that the same charge-off accounts are being reported with inconsistent details across the three agencies. These discrepancies include : Different account balances Conflicting original charge-off amounts Mismatched open and close dates Inconsistent account statuses These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate, complete, and verifiable. When the same charge-off account reflects different data on each report, it becomes clear that at least two out of three agencies are reporting false or misleading information. I have attempted to resolve this matter by disputing the inaccuracies directly with each credit bureau, but no consistent or corrective action has been taken. As a result, I am now requesting the Consumer Financial Protection Bureau to review this issue and ensure that the reporting agencies validate the accuracy of these charge-off entries or remove them entirely if they can not be properly verified.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , 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 2025-05-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MS

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

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 2025-05-30 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: MOHELA
State: NJ

Complaint narrative:
Opening and closing already closed accounts on a daily basis. Falsifying the amount that is owed on each of my student loans. Mohela is currently being sued for falsifying accounts and requesting money that is not owed. All three credit bureaus allow closed or charged off accounts to be reopened and closed and reopened on a monthly basis. These actions date back since 2024. My credit is currently frozen because of stolen identity in which the three credit bureaus still allow these creditors to negatively affect my accounts.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Filed this fraudulent complaint since last year with this company no help trying to get a mortgage loan but this account is stopping everything I do not own this account and was open due to identity theft Ive filed with all XXXX credit bureau the account was deleted but this company is still showing that the own the debit I would like for this account to be deleted Ive asked for the fraudulent package from company but they have yet to send it the amount of the debit is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Mercedes Benz Financial Services
State: LA

Complaint narrative:
Hello, I paid {$1300.00} as of XX/XX/XXXX towards my XXXX XXXX car note associated with account # XXXX. Today, XX/XX/XXXX, a XXXX XXXX male called me around XXXX central, being very aggressive about my payment plan & my payments towards my car note. I asked to speak with a supervisor because he became angry when I mentioned I paid almost {$1200.00} this month, XX/XX/XXXX, towards my car note. XXXX went & sought after a XXXX XXXX male of his community to upheld his hostility towards an XXXX XXXX female XXXX woman. I told the very rude, mean, XXXX XXXX male, ( which his behavior & attitude are stereotypical very common in the XXXXXXXX XXXX ) towards XXXX women, that I paid almost {$1300.00} this month alone towards my car note ; & I will pay XXXX {$300.00} on XXXX XXXX to bring my car note or payment current. Since the XXXX XXXX male supervisor was being very very mean, feisty, aggressive, & hostile towards me, he stated he was unable to setup a payment plan or unwilling to accept my payment to bring my account current for Friday, XX/XX/XXXX XXXX would have been a couple hours after our phone conversation occurred. Today, XX/XX/XXXX, a few hours after the distasteful encounters with XXXX XXXX XXXX workers, my XXXX XXXX XXXX was illegally repod at XXXX XXXX XXXX oclock XXXX in XXXX, Mississippi by XXXX XXXX based upon their workers XXXX desires/preferences. It was very illegal & immoral to break the law & have my car repod because of whom XXXX XXXX choose to hirer based upon Tonys lustful & XXXX XXXX/preference & his Supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. my data and information was compromised with experian data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MI

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have 3 credit card accounts with Bank of America and my wife has 2. We recently paid our entire balance on all 5 cards prior to their due date but were still charged interest on these accounts. The balances on these accounts were from balance transfers. Bank of America has recently implemented a policy wherein if a customer does not pay their entire balance from purchases for two consecutive months they will be charged interest. However, this does not apply to balance transfers. My wife contacted Bank of America on two separate occasions and received conflicting information from the representatives. She was told by one representative the interest did apply to balance transfers and by another representative that it did not. Whichever the case, I feel Bank of Americas policy of charging interest to a consumers account if they have not paid the balance in full for two consecutive months, whether on purchases or balance transfers, is a violation of consumer rights and should be addressed. My wife and I also paid off balances of other cards at the same time as our Bank of America accounts and were not charged interest because we paid the entire balance before their due date. If Bank of America is allowed to continue to over charge consumers I fear other banks will begin to do the same thing.

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 2025-05-30 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: MD

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