vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent XXXX international wire transfers from my Bank of America account to XXXX in the XXXX, each in the amount of {$40000.00}, totaling {$80000.00}. Both transactions were rejected by the recipient bank due to a misspelling of recipient business name, and XXXX has provided documentation showing that the funds were returned via XXXX and routed through Bank of America XXXX. 

It has now been XXXX weeks since the funds were rejected, and Bank of America has not returned the money to my XXXX account. Despite my repeated inquiries and a formal request for a trace, I have received no clear update, timeline, or resolution. This amount is significant, and the delay is unacceptable. I am requesting the CFPBs assistance to ensure the funds are located and returned immediately. 

I made the transfer on XX/XX/XXXX. I requested the trace on XX/XX/XXXX. On XX/XX/XXXX they tell me they didn't assign a team to the trace.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and I believe is harmful to my well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by law. 

A certified letter was sent XX/XX/year>, requesting a 1099 ( for tax records ) related to a charged off amount of {$12000.00}. 

As of today, no response noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-18 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: CA

Complaint narrative:
Submitted a dispute as my name is XXXX XXXX and not XXXX XXXX, asked Transunion to remove XXXX fort from my credit report. Transunion stated they verified the information, and they did not send me anything on how they verified the information. I also disputed all accounted that are associated with the name XXXX XXXX and Transunion and XXXX stated they verified the information. I have not received any documents.

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 2025-03-18 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: CA

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX  ) to gain access to multiple internal systems within the XXXX XXXX XXXX, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. 
To Whom It May Concern, I am formally disputing the reporting of my student loan debt on my credit report due to the unauthorized compromise of my personal and financial data. The mishandling of my sensitive information constitutes violations of multiple federal laws, including : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which protects student education records and prohibits unauthorized disclosures.

The Higher Education Act of XXXX ( as amended ), which mandates institutional compliance with federal privacy protections for student borrowers. 
The Privacy Act of XXXX ( 5 U.S.C. 552a ), which governs the collection, maintenance, and security of personal data by federal agencies and entities handling student loan information. 
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. 

The unauthorized exposure of my private financial and educational data has caused significant harm, and I did not consent to any actions that would allow this student loan to be reported on my credit file. The compromised handling of my personal information nullifies the validity of these student loans being enforced against me. 

Additionally, under the XXXX XXXX to XXXX XXXX ( XXXX XXXX XXXX, XXXX ), loans may be discharged when an institutions misconduct causes harm to a borrower. Given the legal violations involved, I demand the immediate removal of these loans from my credit report. 

In accordance with the Fair Credit Reporting Act, I request an investigation into this matter and a complete deletion of the disputed accounts from my credit history. Please provide me with written confirmation once this request has been processed. 

If additional documentation is required, I am prepared to provide further details. I expect a timely response in accordance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: KS

Complaint narrative:
The companies charged a fee for a purchase now it says I owe triple the amount. Which was not stated as well as using their website you can make payments on it and it wont even allow me to log in but they want to charge me. This doesnt make sense I feel scammed being this was not stated anywhere and was said to be a secure lender. Than to find out they scam customers and charge them money triple of what they owe, with no way to repay the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROM 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 non-monetary relief
Consumer complaint received 2025-03-18 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Looks like an error happened when booking an airline ticket. Looks like a airline credit card was applied for by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
I am writing to formally request verification of the following account ( s ) listed on my credit report under my rights established by Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Please provide documentation proving that I have a legal obligation to pay this debt and that you have verified the account with the original creditor.

The account ( s ) in question : Creditor Name : [ Name of the Creditor ] Account Number : [ Last four digits of the account ] Amount : [ Amount Listed on Report ] Under Section 609, I request the following : 1. A copy of the original contract or agreement with my signature proving my responsibility for the debt.

2. The name and address of the original creditor if different from the one listed.

3. All relevant records used to verify the accuracy of this account.

If you can not verify this account with documented proof, you are required to remove it from my credit report immediately under 15 U.S.C. 1681i ( a ) ( 5 ).

Please consider this letter as a formal dispute. If you fail to provide proper verification within 30 days, I expect this account to be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
RECENTLY, I DID AN INVESTAGTION ON MY CREDIT REPORT AND FOUND SEVERAL ITEMS ON THERE TO BE INACURATE.

UNDER 15 U.S. CODE 1681 E ( B ) ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT. IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROMXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
RECENTLY, I DID AN INVESTAGTION ON MY CREDIT REPORT AND FOUND SEVERAL ITEMS ON THERE TO BE INACURATE.

UNDER 15 U.S. CODE 1681 E ( B ) ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT. IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROMXX/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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: VI

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the collection placed on my account for {$1900.00} related to tuition and fees at XXXX XXXX XXXX. I believe this charge is in error as I did not attend or register for any courses at your institution during the period in question. Ive reached out to the school as well as to transunion but it was denied. 

Here are the details of the charge in question : Name : XXXX XXXX XXXX ID : XXXX Term/Year of the charge : XXXX Amount in collections : {$1900.00} Collection Agency : Conservet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Failure to Validate Debt I previously requested debt validation from Portfolio Recovery Associates , LLC in accordance with 15 U.S.C. 1692g ( Fair Debt Collection Practices Act - FDCPA ). However, they have failed to provide sufficient documentation proving : Full details list of payment history on this account.

Assignment contract ( Verification that this debt was assigned or sold to collector. ) The original signature that i agreed to on contract to pay this creditor That I am legally obligated to pay this alleged debt.

That they have the legal right to collect on this debt. 
That the amount reported is accurate and owed by me.

Company response to consumer: Closed with non-monetary relief