vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MS

Complaint narrative:
To Whom It May Concern, I am writing regarding the fraudulent tradeline reported under my name by XXXX XXXX, which falsely indicated that I was Not more than XXXX payments past due ( XXXX ) on an account I never had. This item was disputed pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ) and XXXX XXXX Compliance standards. 

I acknowledge that this false tradeline was removed from my Equifax report within XXXX ( XXXX ) days, which I take as an admission that the information was inaccurate, unverifiable, or misattributed to me. 

However, because this tradeline damaged my credit and was completely unauthorized : I now formally request written confirmation from Equifax that the account has been permanently deleted and will not reappear in any future updates. 
I also expect XXXX XXXX  to confirm that no such account exists under my name or Social Security number, and that no future reporting will occur. 
If either party fails to provide this confirmation, I will proceed to file a formal complaint with the FTC and CFPB to preserve my consumer protection rights under FCRA 1681n and 1681o.

This matter is not closed until I receive the required written confirmation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a responsible Capital One credit card customer for the past four years. During that time, Capital One has consistently reported my accounts activity to all three major credit bureaus. Recently, I made significant payments on my account, substantially lowering my balance and improving my credit utilization rate. 

However, despite these payments being posted and cleared weeks ago, Capital One has failed to report the updated balance or utilization rate to any of the credit bureaus. This lack of timely and accurate reporting is negatively affecting my credit score and financial opportunities. 

I find this particularly troubling given that Capital One has regularly reported activity on my account while I carried a high balance. The sudden lapse in reporting after I improved my financial standing raises concerns about fair and accurate credit reporting practices. 

I am requesting that Capital One immediately report the current balance and credit utilization to the credit bureaus to ensure my credit report reflects my actual financial activity. Their failure to do so is causing me harm, and I respectfully request that the CFPB investigate this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZuntaFi Corp
State: IL

Complaint narrative:
The Date I discovered XX/XX/year>, the amount was XXXX, I Sent a letter to the creditor stating this wasn't my account and this account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I submitted multiple disputes to Experian regarding inaccurate reporting on XXXX federal student loan accounts serviced by XXXX XXXX XXXX and XXXX collection account reported by XXXX XXXX XXXX. Despite providing factual evidence, Experian verified the disputed data without correction and is continuing to report materially inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( a ) ( XXXX ) ( A ), and 1681s-2. 

Student Loan Account # XXXX ( XXXX XXXX XXXX ) : Report XXXX XXXXXXXX, generated XX/XX/XXXX Originally showed " Open/Never Late. '' After dispute, Experian updated the file with late payments spanning XXXX to XX/XX/XXXX ( XXXX days ), XXXX XXXX ( XXXX  days ), and XX/XX/XXXX ( XXXX  days past due ). This contradicts prior never late reporting, suggesting Experian or the furnisher added retroactive delinquencies during the reinvestigation process without providing supporting documentation. 

XXXX XXXX Account XXXX  XXXX ( XXXX XXXX XXXX ) : Same report number. 
Originally reported as XXXX XXXX. After dispute, Experian added a XXXX late mark for XX/XX/XXXX. Payment history for XXXX shows mostly ND ( XXXX XXXX ), indicating insufficient basis to add a delinquency in XXXX. No history of progressive delinquency exists to justify this derogatory mark. 

XXXX XXXX XXXX XXXX Account : Account opened XX/XX/XXXX, reporting {$1300.00} balance with Terms XXXX XXXX  month. 
The XXXX is not listed, and On Record Until is reported as XX/XX/XXXX, suggesting improper re-aging. Per 15 U.S.C. 1681c ( a ) ( XXXX ), the XXXX timeline must begin from the original delinquencynot the date XXXX acquired the debt. Additionally, Experian is accepting and displaying misleading and structurally flawed XXXX XXXX data ( e.g., monthly payment field on a collection, re-aged timeline, balance increase post-dispute ), violating their obligations under 1681e ( b ) and 1681i ( a ) ( XXXX ) ( A ).

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Personal Information on Credit Report To whom it may concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute incorrect personal information listed on my TransUnion credit report. After reviewing my report, I noticed that both names listed under my personal information are incorrect and do not belong to me. 

The following names must be removed : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am disputing the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only correct name and address that should be associated with my credit report are : Correct Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), you are required to investigate any disputed information and remove unverifiable or inaccurate data from a consumer 's file within XXXX  days of receipt. 

I have attached a copy of my government-issued ID and a proof of address for your reference. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this incorrect information has been removed from my credit report. 

Sincerely, 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 2025-04-29 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several items listed on my credit report and to bring to your attention multiple violations of my privacy and confidentiality rights as defined by the Fair Credit Reporting Act ( FCRA ) and relevant federal laws.

1. Unauthorized Access to My Credit Report Violation of 15 USC 1681b ( 2 ) Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ). Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA. The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ). Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above-referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 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: Receivables Management Partners, LLC
State: MS

Complaint narrative:
XXXX  added a XXXX collections account to my credit report. The rule by the CFPB states that it, " bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses. 

I am also in dispute of this debt with the medical facility so they should not be allowed to sale the debt and try to collect another way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I recently reviewed my credit reports and noticed two credit reporting companies not reporting my mortgage payments accurately in violation of the FCRA ( Transunion and Experian ). I had five late payments that were paid on time ( please see my XXXX credit report and my bank statements ). The consumer reporting agencies need to report all information with complete accuracy. This account wasnt paid late in XXXX or XX/XX/year> ( see bank statements and XXXX credit report regarding XXXX XXXX payments XXXX. Im requesting that you investigate and provide verifiable proof with records showing I had late payments for each month ( XXXX and XX/XX/year> ). If this information can not be verified with records showing that I had late payments than I demand my credit reports with Experian and Transunion be updated immediately. Thank you for your understanding and prompt response

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
The vehicle was a lease ; it was the end of the lease, and it was turned in XXXX days early. The account is reflecting on my credit report as a repossession ; it was not a repossession. The company needs to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am filinf a complaint to formally dispute certain inaccurate information in my credit report. This letter is a formal request to investigate and remove any unverifiable, incomplete, or inaccurate data from my file under the Fair Credit Reporting Act ( FCRA ). 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am filinf a complaint to formally dispute certain inaccurate information in my credit report. This letter is a formal request to investigate and remove any unverifiable, incomplete, or inaccurate data from my file under the Fair Credit Reporting Act ( FCRA ). 
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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/scrub>, 2025, I accidentally sent a XXXX payment of {$350.00} to the wrong person. The mistake happened because the recipients number in my contact list appeared correct, but I later discovered that three digits in the middle of the number were incorrect. Despite this, the name shown in XXXX matched my intended contact I dont know if this was due to a system glitch or name mapping, but I had no reason to believe the transfer was going to the wrong person at the time. 
After sending the money, I called the recipient to confirm if they received it. They denied receiving anything. The next day, I followed up again, and they again denied it. Eventually, I checked the transaction details and realized the number was off by three digits. Real recipient number : XXXX, WRONG recipient number : XXXX We immediately went to Bank of America , and they told us to contact XXXX. We filed a claim with XXXX, but a few weeks later, they denied the claim, stating that the recipient was not responding to their calls or texts. This was incredibly disheartening. 
We went back to Bank of America hoping for help, but again were told to resolve it directly with the recipient. We reached out to the recipient and on XX/XX/XXXX, she acknowledged in writing that she received the funds and stated : I contacted my bank and they are working on processing the credit back to you. 
Since then, she has stopped responding which she clearly knows were sent in error. Despite being warned that we would take legal action, she continues to withhold the money. 
We now feel completely helpless. XXXX denied our claim, Bank of America offered no help, and the recipient is keeping money that clearly isnt hers. 
We are turning to the CFPB as our last resort in the hope of justice and accountability. We request that you review our case and help push either the bank, XXXX, or the recipients bank to return our funds.

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 2025-04-29 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I previously disputed this debt with Professional Debt Mediation through the CFPB, but their response did not comply with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) or the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). 

They failed to provide a complete debt validation. The documents submitted were from XXXX XXXX XXXX, not Professional Debt Mediation. There was no signed lease, no chain of title proving they own the debt, and no itemized ledger explaining the balance. Their submission also lacked a proper debt validation notice, violating Regulation F ( 12 CFR 1006.34 ) which requires debt collectors to clearly identify themselves and include key account details. 

Because the collector can not verify the debt as required under the law, I am requesting this account be removed from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ) which requires removal of unverifiable items. 

Thank you for your assistance in enforcing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC account XXXX I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. 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