vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Reporting Unverified Debt Request for Immediate Deletion from Credit Reports Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for continuing to report an unverified and disputed debt on my credit reports with Experian, TransUnion, and Equifax in the amount of {$20000.00}, listed as a collection or charge-off account. 

On XX/XX/year>, I received a collection letter from XXXX XXXX XXXX XXXX, identifying themselves as an authorized agent of XXXX XXXX XXXX XXXX attempting to collect this alleged debt. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I promptly disputed this debt and requested validation. 

XXXX XXXX XXXX XXXX failed to validate or verify the debt as required under 15 U.S. Code 1692g ( b ) of the FDCPA. They subsequently responded via the CFPB portal, confirming that my account was closed and that no further collection activity would take place. 

Despite this, XXXX XXXX XXXX XXXX continues to report this account to all three major credit bureaus, even though it has not been validated. This is a direct violation of : 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate disputed information and delete unverifiable data.

15 U.S.C. 1681e ( b ) : Obligation to report with maximum possible accuracy.

15 U.S.C. 1692g ( b ) : Requires cessation of collection until debt validation is provided. 

Continued reporting of this disputed and unverified account is inaccurate, misleading, and damaging to my creditworthiness. It is unlawful under both the FCRA and FDCPA, and XXXX XXXX XXXX XXXX XXXX be subject to civil liability under 15 U.S.C. 1681n and 1681o, including actual and statutory damages, attorneys fees, and punitive damages. 

Requested Resolution : I am requesting that the XXXX XXXX XXXX XXXX account for {$20000.00} be immediately deleted from my credit reports with : Experian TransUnion Equifax I also request that the CFPB ensure this account is not sold, reassigned, or transferred to any third-party collectors, and that XXXX XXXXl is held accountable for reporting unverified information in violation of federal law. 

Attachments : CFPB response from XXXX XXXX confirming account closure

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Reporting Unverified Debt Request for Immediate Deletion from Credit Reports Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for continuing to report an unverified and disputed debt on my credit reports with Experian, TransUnion, and Equifax in the amount of {$20000.00}, listed as a collection or charge-off account. 

On XX/XX/year>, I received a collection letter from XXXX XXXX XXXX XXXX, identifying themselves as an authorized agent of XXXX XXXX XXXX XXXX attempting to collect this alleged debt. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I promptly disputed this debt and requested validation. 

XXXX XXXX XXXX XXXX failed to validate or verify the debt as required under 15 U.S. Code 1692g ( b ) of the FDCPA. They subsequently responded via the CFPB portal, confirming that my account was closed and that no further collection activity would take place. 

Despite this, XXXX XXXX XXXX XXXX continues to report this account to all three major credit bureaus, even though it has not been validated. This is a direct violation of : 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate disputed information and delete unverifiable data.

15 U.S.C. 1681e ( b ) : Obligation to report with maximum possible accuracy.

15 U.S.C. 1692g ( b ) : Requires cessation of collection until debt validation is provided. 

Continued reporting of this disputed and unverified account is inaccurate, misleading, and damaging to my creditworthiness. It is unlawful under both the FCRA and FDCPA, and XXXX XXXX XXXX XXXX XXXX be subject to civil liability under 15 U.S.C. 1681n and 1681o, including actual and statutory damages, attorneys fees, and punitive damages. 

Requested Resolution : I am requesting that the XXXX XXXX XXXX XXXX account for {$20000.00} be immediately deleted from my credit reports with : Experian TransUnion Equifax I also request that the CFPB ensure this account is not sold, reassigned, or transferred to any third-party collectors, and that XXXX XXXXl is held accountable for reporting unverified information in violation of federal law. 

Attachments : CFPB response from XXXX XXXX confirming account closure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
The CFPB finalized a rule in 2025 to prohibit the reporting of medical debt on credit reports and to prohibit lenders from considering medical information in credit decisions. This rule, which went into effect on XX/XX/year>, aims to alleviate the financial burden on consumers with medical debt and improve their credit scores.

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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Absolute Resolutions Inv Orignal Creditor : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Collection Account : {$2700.00} Past due as of XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX, XXXX, & XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXollections Account : {$1600.00} past due as of XX/XX/XXXX Account : Not mine never had an account with them at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Account {$320.00} Account : This is not my account my Identity was stolen during a data breech XXXX XXXX XXXX XXXX XXXX XXXX  Account {$190.00} Date : XX/XX/XXXX Account : This is not my account my Identity was stolen during a data breech

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested several times for Experian to prove proof of the opening of the credit card account with XXXX XXXX  Credit card. I have disputed the account off my credit several times and they still have yet to provide the proof of the fraudulent account. The account is still on my credit report as a negative item. Despite them not providing the proof that I opened the account. I'm being denied credit and etc. due to this negative item on my account that was opened Fraudulently. I did not open up a credit card account at all and especially Not with XXXX XXXX. This needs to be removed immediately. I have been asking for XXXX now.

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 — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Violations of Bill 5480 and Regulation V ( 12 CFR Part 1022 Fair Credit Reporting Act Implementation ) The reporting and furnishing of the above accounts violate Bill H.R. 5480, also known as the Medical Debt Relief Act and Consumer Financial Protection Enhancement Bill, which imposes strict limits on how any financial product linked to XXXX XXXX, XXXX XXXX arrangements, or self-lending programs derived from therapeutic care may be handled, disclosed, or reported to credit bureaus.

Under Bill 5480 : Furnishers are prohibited from reporting any account or tradeline derived from or tied to medical, therapeutic, or wellness-related services unless full informed consent and opt-in disclosures are provided at the point of origination.

Any medical-linked financial productsuch as secured credit lines, self-lender instruments, or care-related credit productsrequires heightened compliance protocols, including proof that the consumer knowingly authorized the reporting and was not misled into commercial credit classification.

The bill enhances consumer identity protection, making it a federal violation to use or report any data point connected to XXXX XXXX without a HIPAA-compliant release and full verification of accuracy.

In parallel, Regulation V ( 12 CFR Part 1022 ) which implements the Fair Credit Reporting Actrequires that : Furnishers and consumer reporting agencies must ensure the accuracy and integrity of the information they report ( 1022.42 ).

Consumers must be given a clear and conspicuous notice regarding any adverse action or negative reporting, especially when involving sensitive or health-derived financial data.

Data obtained or used without a legitimate purpose or permissible use under FCRA or Regulation V constitutes a furnishing violation and triggers the right to deletion, investigation, and civil liability.

The accounts listed are suspected to be derived from or influenced by health-related financing activity and were reported without required disclosures, consents, or accurate identity validation, in direct breach of both Bill 5480 and Regulation V.

As such, these violations form a strong basis for immediate deletion, enforcement complaints, and potential legal relief under civil and criminal statutes

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In XXXX, I got a heloc from BMO Harris for $ XXXX. The monthly premium was autopay as XXXX of the terms of the loan agreement. After a year and few months, the loan was outsourced to be serviced by XXXX ( XXXX XXXX ). When my loan was transferred to XXXX, I would get a phone message from them that they were BMO Harris calling to remind me of my upcoming payments. When I would call back, the answering would say XXXX. I got confused and felt this was a scam. So, I began going to the local BMO Harris Bank in my area to pay my mortgage there. XXXX was sued in a class-action lawsuit few months from there. I received a settlement check from the law firm. In the same XXXX, BMO Harris recalled my loan account from XXXX. When the loan was recalled, BMO Harris did not consolidate all the accounts associated with my loan. They only looked at what they got back from XXXX. Instead of looking at all accounts associated with the loan. With that, BMO Harris Bank charge-off my account. I have told them of their decision to charge-off my account was an error on their part. I have sent them all the proof documents to support my claim that they need to reverse the charge-off to no avail. 

I was forced to sell my house because I could not refinance my home. When I some my home last XXXX, BMO Harris had a financial interest in my home. I had to send them XXXX XXXX XXXXhe initial amount I had borrowed from them. I have paid more than 2 years of premium to them.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
Originally, XXXX XXXX XXXX said my bill/loan was on hold because XXXX failed to fulfill services. They said after XXXX  days that my account was taken off hold and sent to a debt collector. I never received my ending retainers or my XXXX  dental check-up. Now I am getting calls, letters, and emails from a debt collector XXXX, saying I owe {$1300.00}, but I never even received most of the services, nor finished my dental plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Commercial Services, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX California XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, claiming I owed Nationwide Mutual XXXX XXXX {$6500.00} for Client Ref No. XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, related to a XX/XX/XXXX vehicle accident. I emailed XXXX requesting verification, but their response included only an ACH payment form lacking essential details. Despite five emails, XXXX failed to provide adequate verification. Given my circumstances- being 10 months pregnant at the time and not owning a vehicle or having car insurance - this claim appears to be potential identity theft or a scam. I request a thorough investigation, verification of the claim, and confirmation of XXXX 's authority to collect it. I also request protection from further harassment and potential identity theft. Thank you for your attention to this matter and assistance in holding XXXX accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXXXXXX XXXX - XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXXXXXX, I submitted a dispute to have inaccurate late payment entries removed from my credit report concerning a loan that has since been paid in full. Following the investigation, I received an updated credit report in early XXXX. I was pleased to see that the 60-day late payment was removed ; however, the 30-day late payment still remains, despite evidence indicating it is incorrect.

The credit report itself confirms a consistent payment history with no missed payments from the inception of the loan through its payoff in XX/XX/XXXX. Specifically : A payment of {$23000.00} was made on XX/XX/XXXX. 

A payment of {$12000.00} was made on XX/XX/XXXX. 

A payment of {$4100.00} was made on XX/XX/XXXX. 

A final payment of {$180.00} was made in XX/XX/XXXX to close the loan. 

Despite these payments being clearly reflected in both my bank statements and the credit report, a 30-day late payment was still reported for XX/XX/XXXX, and another late payment appears in XX/XX/XXXX. This does not align with the documented payment activity. 

I submitted all relevant bank statements to Experian as part of my dispute to support the accuracy of this timeline. It is unclear why the 60-day late mark was removed while the 30-day remains, especially when both are contradicted by the same payment evidence.

I respectfully request a further review of this matter and the removal of the remaining 30-day late payment entry to accurately reflect my payment history and clear this negative mark from my credit report. 

Thank you for your time and attention to 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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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