vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The CFPB finalized a rule on XX/XX/year>, to ban medical bills from credit reports. This rule, which amends Regulation V ( implementing the Fair Credit Reporting Act ), prohibits CRAs like Equifax, TransUnion, and Experian from including medical debt in credit reports and bars lenders from using this information when making credit decisions. 
The XXXX XXXXXXXX XXXX XXXX has been knowingly, fraudulently and maliciously misreporting multiple accounts on my behalf for years. 
ACCT # XXXX in the amount of {$2900.00} has not only been charged and written off, via XXXX and the bank has collected " bad-debt '' credits from the Federal Reserve Discount window , theXXXX have also been misreporting a MEDICAL EXPENSE. This account was utilized directly for hospital and doctor appointments. 
The XXXX XXXXXXXX XXXX XXXX has double billed this account, falsely and ILLEGALLY ( if I might add ), reported this account and the credit reporting agencies to which I have also complained and asked for help, have been just as negligent in their reporting and validating of my complaints.

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 2025-05-01 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: NV

Complaint narrative:
The CFPB finalized a rule on XX/XX/year>, to ban medical bills from credit reports. This rule, which amends Regulation V ( implementing the Fair Credit Reporting Act ), prohibits CRAs like Equifax, TransUnion, and Experian from including medical debt in credit reports and bars lenders from using this information when making credit decisions. 
The XXXX XXXXXXXX XXXX XXXX has been knowingly, fraudulently and maliciously misreporting multiple accounts on my behalf for years. 
ACCT # XXXX in the amount of {$2900.00} has not only been charged and written off, via XXXX and the bank has collected " bad-debt '' credits from the Federal Reserve Discount window , theXXXX have also been misreporting a MEDICAL EXPENSE. This account was utilized directly for hospital and doctor appointments. 
The XXXX XXXXXXXX XXXX XXXX has double billed this account, falsely and ILLEGALLY ( if I might add ), reported this account and the credit reporting agencies to which I have also complained and asked for help, have been just as negligent in their reporting and validating of my complaints.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this complaint because my credit report includes inaccurate personal informationspecifically, names, addresses, and phone numbers that are not associated with me. I have disputed this information directly with Equifax, yet the incorrect names, addresses, and phone numbers remain on my report. 

Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report accurate information. Additionally, under 15 U.S.C. 1681i, credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. Equifax has failed to meet these obligations. They have not provided sufficient evidence to justify the continued reporting of this incorrect information. 

It is very important that this matter be thoroughly reviewed and that the inaccurate personal information be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, I am reaching out regarding my credit report, I was a victim of the EQUIFAX DATAT BREACH. And I am requesting that your agency cease and decisitthe reporting of this account.

15 USC 1681c ( 2 ) 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 in an alleged identity theft not later than 4 business days after the date of receipt. That time has passed and you are in fact In violation of my consumer rights.

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 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery Agency ( NRAG ) sent me a Medical Debt Collection letter originating from XXXX XXXX which I have no recollection at all. I dont owe this debt back in XX/XX/XXXX total amount of {$800.00}. In the state of Texas the statute of limitations regarding Medical Debt is 4 years. XXXX is collecting a medical debt that was past the statute of limitations. If this assumed debt is either true or mine, I am not obligated to pay this debt anymore since the statute of limitations have passed. Without no notice from them this assumed debt was reported and damaged my credit score on two of my credit report bureau, XXXX and XXXX on XX/XX/XXXX. They also constantly harassing me by texting me that they reported this debt on credit bureaus. As far as CFPB new rule on XX/XX/XXXX about reporting medical debt in credit bureaus it is now prohibited or against the law to report medical debts in credit bureaus using as a weapon to damage credit scores. People have the rights to receive medical treatment as needed and medical debt is not a guage for creditworthiness. XXXX used unacceptable tactics to damage my Credit Scores. They also reported inaccurate information on my credit report without telling its a medical debt and they did not reported that this debt was back on XX/XX/XXXX past the statute of limitations in Texas. They are collecting debts past the statute of limitations and against CFPB new rule in regards to collecting medical debt. Since XXXX are doing against the CFPB new rule approach and collecting debt past the statute of limitations and reporting inaccurate information on my credit report I am requesting to XXXX to remove this negative impact on my credit report both XXXX  and Transunion immediately.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Deinde Online Services, LLC
State: MN

Complaint narrative:
Complaint Title : Incorrect Information on My Credit Report Regarding Debt Transferred to Another Lender Complaint Description : I am writing to dispute an entry on my credit report regarding a debt originally owed to Integra Credit. The entry shows the account as paid in full with a {$0.00} balance, but it also states that the debt was purchased by another lender. I was not informed who the new creditor is, nor did I receive any notification of the debt being transferred or sold. 

Despite this, there has been no collection activity reported by any collection agency or new lender, and no additional updates have been made to the account. The credit bureau refuses to remove or correct this information, which is causing confusion and potential harm to my credit score. 

I request that the Consumer Financial Protection Bureau investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I never signed up for the Way2Go card. I submitted a XXXX and notarized direct deposit request in 2022 listing XXXX XXXX XXXX XXXX and a voided check. Despite that, funds were routed to a prepaid card I never requested, and the account/card number in XXXX system doesnt even match the card I was issued. 

I am completely locked out of the Way2Go system. Every time I try to access it online or by phone, I get blocked, disconnected, or rerouted. XXXX refuses to help. When I asked for statements or assistance calling Way2Go as a third party, they refused even though the data on file contradicts the card I possess. 

I now have a XXXX-stamped application proving what bank I authorized, and XXXX is denying me all transparency or correction. This is financial obstruction of a federal disbursement program. I am pursuing a federal civil rights lawsuit and request immediate CFPB investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX, XXXX handling of two XXXX  credit card accounts ( ending in XXXX and XXXX ). Despite previously issuing a formal XXXX XXXXXXXX demand letter and electing binding arbitration, XXXX : Acknowledged the accounts were charged off in XX/XX/XXXX. 

Continued to furnish negative credit reporting post-dispute. 

Confirmed receipt of a formal credit bureau dispute on XX/XX/XXXX. 

Refused to delete or correct the account information. 

Referred the account to a third-party collection agency after the arbitration demand was submitted. 

Failed to offer any lawful resolution or acknowledge the binding arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. 

Delete the accounts below : XXXX XXXX XX/XX/year>

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 2025-05-01 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needd to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$25.00}

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: DE

Complaint narrative:
in regard to XXXX XXXX XXXXXXXX  I paid off this vehicle online and have proof of that transaction as well as a letter from Ford motor XXXX that the loan was paid. In addition, I have the release of lien and a clear title for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rogers, Carter & Payne, LLC
State: LA

Complaint narrative:
I was garnished for {$3900.00} by this company, which I paid in full in XX/XX/year>. However, they over garnished my checks for an extra {$1600.00}. The over payments that the XXXX XXXX XXXX XXXX XXXX received beforethey sent them to the garnisher they returned to my employer. Leaving the garnisher with the remainder balance with 4 more overpayment checks for ( {$20.00}, {$200.00}, {$200.00}, and {$320.00} totalling {$760.00} ). Which have not been returned yet. I have been contacting this company for months trying to get my refunds of the overpayments that were made to them. They have been giving me the run around since. My employer asked me to get the tracking information from them and that if they sent the overpayment checks back, then they shouldn't have any problem giving me the tracking ID and information, so HR department of my employer can track the checks down. But I have not been able to get in touch with XXXX, who is the person that handles refund overpayments for them. I have called and she is never there and sent emails requesting the tracking info with no return response. Since XXXX XXXX  when I contacted them to see why they havent sent them yet, they said they send funds at the end of the month which I found odd, but I said ok. Due to no confirmation at the end of XXXX of any refund, I contacted them again on XX/XX/year>. XXXX finally sent an email saying they completed them XX/XX/year> and we're mailing them that day, No checks have been received by my employer yet. I have reached out for the tracking info and no response or never there when I call according to the receptionist. If it wasn't for the XXXX office calling them on XX/XX/year> about why they haven't returned the overpayments I doubt they would have given me that response. Now my job is telling me to get the tracking info so the can track the money but no response from them.

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 explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
This account is currently in litigation through federal court due to XXXX reporting numerous false things on my credit report and breaking several consumer laws, please see attached documents as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was sent an EDD debit card from Bank of America card services to receive unemployment benefits. EDD discontinued using Bank of America Card services ( last 4 of card:XXXX ). I had a balance of {$270.00} on my Bank of America card from my account when the account was closed by Bank of America Card Services. When I called the Bank of America Card Services I was advised that if I completed a motorized affidavit of my ID or visit a local branch to show my State ID that I would receive a check in the mail. However, after completing a notarized affidavit by mail and visiting a local branch where the branch manager called the card services and verified my ID. I never received the account balance in the mail. Therefore, after several calls to the Bank of America card services, I have been advised to repeat the same process again and again with no resolution.

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 2025-05-01 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needd to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$25.00}

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 2025-05-01 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needd to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$25.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding has a collection account on my credit and tried to sue me over this debt. 
In court this debt was found to be not accurate and the judge dismissed the case. 
I have filed multiple disputes and submitted the judges order verifying this information and yet the debt is active on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received statements and a credit card from Delta SkyMiles XXXX XXXX XXXX. I called the number on the statement. They asked for more information and stated they were sending to fraud department. They had most of my information. When I said no to giving my address they just said I wouldnt get any notifications. Then they said it should be resolves in 30 days and they hung up. 
I checked my credit history on XXXX and no account had been opened. I have a feeling they plan on using my info. 
The statement already says I have {$4500.00} in charges.

Company response to consumer: Closed with non-monetary relief