vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
I have reached out on numerous occasions in the prior years disputing falsely verified information. In the years XXXX & XXXX, my personal information was exposed in numerous data breaches including but not limited to Equifax Data Breach & XXXX XXXX XXXX XXXX XXXX  data breach . I have not received any of the false reporting evidence removed instead verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MS

Complaint narrative:
I have been repeatedly denied personal loans from companies such as XXXX XXXX and XXXX based on information provided by XXXX XXXX and other specialty consumer reporting agencies including XXXX, XXXX, and XXXX. My XXXX  score was reported as XXXX on XX/XX/year>. Adverse action letters list vague or inconsistent reasons such as repayment method deemed high risk, number of bank accounts, and number of employers or inquiries, which I believe are inaccurate or unfairly impacting my ability to obtain credit. 

I submitted a dispute to XXXX, and after being told they could not proceed without my SSN, I reluctantly remailed my dispute including it. However, the inaccurate or negative information remains on file, and I continue to experience adverse credit decisions because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MicroBilt / PRBC (formerly CL Verify)
State: MS

Complaint narrative:
I have been repeatedly denied personal loans from companies such as XXXX XXXX and XXXX based on information provided by XXXX XXXX and other specialty consumer reporting agencies including XXXX, Microbilt, and XXXXXXXX XXXX XXXX score was reported as XXXX on XX/XX/scrub>, 2025. Adverse action letters list vague or inconsistent reasons such as repayment method deemed high risk, number of bank accounts, and number of employers or inquiries, which I believe are inaccurate or unfairly impacting my ability to obtain credit. 

I submitted a dispute to XXXX, and after being told they could not proceed without my SSN, I reluctantly remailed my dispute including it. However, the inaccurate or negative information remains on file, and I continue to experience adverse credit decisions because of it.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint in reference to an account reported on my consumer credit reports by XXXX XXXX XXXX, referencing an original creditor named XXXX on University. This account, opened on XX/XX/scrub> 2023, is listed as a collection account in the amount of {$3500.00}. 

Despite initiating a formal dispute through Experian, the item remains on my credit report without correction. Experians final status update stated the dispute was processed and the item was verified. However, the furnisher failed to provide meaningful verification or itemization of the debt, which is required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 3 ), XXXX XXXX XXXX XXXX XXXX to mark this debt as disputed to the credit bureau while the matter was under review. At no point during this process was the disputed notation maintained appropriately in subsequent reports, which is a violation supported by XXXX XXXX XXXX XXXX and XXXX XXXX 

Additionally, the lack of response to my validation request from XXXX XXXX XXXX violates 15 U.S.C. 1692g ( b ) of the FDCPA, which mandates a cease in collection efforts until debt validation is provided. 

This inaccurate, incomplete, and unverifiable reporting has caused me credit denials and emotional distress. I request the immediate deletion of this item from all consumer reporting agencies and corrective action against the furnisher and bureau involved. 

This complaint concerns a collection account reported by XXXX XXXX XXXX XXXX on my TransUnion credit file, referencing the original creditor as XXXX on University. The account was opened on XX/XX/scrub> 2023, with a balance of {$3500.00}. 

I submitted a formal dispute to TransUnion concerning this item, citing that the account was inaccurate, unverifiable, and not properly validated. However, the account remains unchanged, and TransUnion failed to provide me with the method of verification or supporting documents, contrary to the requirements under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) and XXXX v. Trans Union Corp. 

Moreover, XXXX XXXX XXXX failed to comply with 15 U.S.C. 1681s-2 ( a ) ( 3 ) by not reporting the item as disputed after receiving my challenge. The reinstatement of the account without dispute status and without resolution is unlawful and misrepresents the status of the debt.

The furnisher also failed to comply with the validation procedures under 15 U.S.C. 1692g by not producing the requested documentation substantiating the debt. This constitutes a continued collection effort on a disputed debt, which is prohibited under the FDCPA.

This inaccurate item has negatively impacted my credit score and ability to secure housing and credit. I request immediate deletion and regulatory review of both the data furnisher and the credit bureau for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX chase bank and my XXXX  card have been hacked and money stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : 1. ACIMA DIGITAL FKA SIMP Account # : XXXX Amount {$1400.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim my social, and address verification Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Dear CFPB Representative, I am filing a formal complaint against TransUnion for reporting inaccurate and unverifiable public record information on my credit report. TransUnion is currently reporting a XXXX  XXXX Bankruptcy Dismissed dated XX/XX/XXXX, listed under case number XXXX, originally filed in the U.S. Bankruptcy Court Northern District of Georgia ( XXXX XXXX  ). 

This bankruptcy was dismissed, not discharged. As such, it does not carry the same legal or credit implications and should not remain on my credit report for the same duration as a discharged bankruptcy. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy in the data they report. Furthermore, Section 611 ( a ) ( 1 ) ( A ) requires that disputed information must be verified directly with the original source, which in this case is the bankruptcy court.

I have disputed this entry with TransUnion and requested verification. However, they have not provided any court-verified documentation to justify its continued presence. Their failure to obtain verification directly from the U.S. Bankruptcy Court, while still reporting this entry, is a violation of the FCRA and is damaging my credit profile unfairly. 

This public record is outdated, misleading, and unverifiable, and it must be removed 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 non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a letter around XX/XX/year> that Bank of America made the decision to close my account. Even though I notified XXXX that my account had been closed and provided them with an alternative bank account they still sent the funds to Bank of America. Bank of America never notified me that they had received funds and didnt provide reason for closure. Once I realized something was horribly wrong I reached back out to Bank of America who said my account was closed due to a check deposited that bounced. I then inquired about my funds and they said that my funds were on hold until the account was fully closed. The issue I have is that due to hardship I should have access to my funds. When I stated this to the supervisor they didnt care to acknowledge and proceeded to tell me that the were not releasing any funds. If my account was restricted then why would they accept eft into a closed account? Banks should not be able to get away with not only holding someones money but be able to capitalize off of the money they are holding. Taking advantage of people seems to be a trend with many banks. Banks are doing nothing to help people come out of financial hardships and only add to the problem. By not notifying me of the bounced check I had no opportunity to address the situation at hand as well as confront the person who wrote me out the check. The fact they had no problem with taking and accepting my funds and using them is a problem and I think this should be addressed. Ive been with Bank of America for over XXXX years and I feel as though this was a slap in the face.

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 2025-04-23 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. XXXX and XXXX reports XXXX attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am writing to notify you that I formally dispute the validity and accuracy of the debt you are claiming I owe, as reported to the credit bureaus under account number XXXX, with an alleged balance of {$520.00}, opened on XX/XX/2020. 

This letter is a demand for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are required by law to provide proper documentation that proves : XXXX. That I am legally obligated to pay this debt. 
XXXX. The name and contact information of the original creditor. 
XXXX. A complete and itemized accounting of the full balance, including all fees, interest, and other charges. 
XXXX. Proof that CKS Prime Investments LLC has legal standing and authorization to collect this debt in the state of Texas. 
XXXX. The full chain of assignment showing how the debt was transferred or sold to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-04-23 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:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-23 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: CA

Complaint narrative:
I feel like was extremely negative impacted, hurting my chances of credit after receiving a response to my earlier disputes that the accounts are 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a dispute concerning negative accounts on my credit report that are impacting my credit scores and require proper validation. It has now been nearly 60 days, and the report still reflects outdated and inaccurate personal information. Due to your non-compliance, I am requesting the immediate removal of these accounts from my credit 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Debt Validation Request Acct XXXX XXXX XXXXXXXX To Whom It May Concern, I am contacting you in regard to an alleged debt that has been reported to the credit bureaus by your company, listed as a collection account under account number XXXX, with a balance of {$2100.00}, reportedly opened on XXXXPursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting complete validation and verification of this alleged debt. Specifically, please provide : XXXX. The name and contact details of the original creditor. 
XXXX. Proof that I am legally obligated to pay this debt. 
XXXX. An itemized statement of the balance, including principal, interest, fees, and payments ( if any ). 
XXXX. Documentation showing your legal authority to collect this debt in the state of Texas. 
XXXX. A full copy of any agreement bearing my signature. 

Please be advised that I am disputing the validity of this debt. Until complete validation is received, you must immediately cease all collection activities, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, I discovered a credit card account reported under my name from XXXX XXXX that I did not authorize or open. The account shows a charge-off with a balance of {$1100.00} and was reported as past due as of XX/XX/XXXX. I never applied for or used this credit card. I believe this account was fraudulently opened as a result of identity theft. I requested verification from the company to confirm account ownership but did not receive sufficient documentation to prove the account was legitimately mine. I have since filed a report with the FTC for identity theft and am working to have the account removed from my credit 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 2025-04-23 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: CA

Complaint narrative:
b'Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence.\n\nThe FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian cannot prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights.\n\nThe following dispute items are inaccurate and require urgent correction:\nPersonal Information (Experian)\nPrevious Address(eXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Per 605C- 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from. Please remove it from my credit 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