vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
I applied to work for XXXX XXXX  and submitted my background check through Checkr on XX/XX/year>. I provided my full legal name, date of birth, and Social Security Number ( SSN ), exactly as shown on my government-issued ID and SSN card. However, the background check failed with a message stating that my personal information could not be verified.

I contacted Checkr support to ask if they had correctly matched my name, date of birth, and SSN with the Social Security Administrations records, and to request further explanation about the failure. So far, I have not received a clear response or a solution. 

This has been extremely frustrating. I had waited a long time to receive my SSN so I could start working legally. Once I finally received the physical SSN card and tried to sign up for XXXX XXXX, I was denied due to this verification issue. I am now nearly out of money, but I still have many living expenses to cover including housing, food, and transportation and I have a XXXX XXXX  to take care of. 

I believe the background check failure may be due to Checkrs system not being updated with recent SSN records, even though I provided 100 % accurate information. I am requesting that Checkr urgently re-review my case and provide a specific explanation as to why my identity could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: WV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heath. 
List : XXXX. XXXX : Date Opened : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX Reported : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX. XXXX  Date Opened : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX Last Active : TRANSUNION XX/XX/XXXX EXPERIAN XX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Entrata Inc.
State: FL

Complaint narrative:
Information is inaccurate and I did not give consent to report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Disputed Medical Bill and Collection Practices Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint to report a disputed medical bill that has been placed in collections, which I believe to be erroneous and potentially in violation of consumer protection laws. 

The bill in question is associated with Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and references a date of service on or around XX/XX/year>XXXX  for the amount of {$730.00}. I have no recollection of receiving any medical services on that date, nor have I ever received an itemized bill, statement of charges, or explanation of benefits related to this claim. 

At the time of the alleged service, I had active health insurance coverage through XXXX XXXX XXXX XXXX. I suspect this bill may not have been properly submitted or processed through my insurance provider. Furthermore, I have not received any documentation showing that I authorized or received the medical services in question. 

Despite the lack of information or supporting evidence, this account was turned over to a collection agency, Specialized Collection Services, without proper notice or opportunity for resolution. I find this both distressing and potentially damaging to my credit and financial reputation. 

I am requesting that the Consumer Financial Protection Bureau investigate the following : Whether the debt was valid and properly substantiated before being placed in collections If the collection agency is in compliance with the Fair Debt Collection Practices Act ( FDCPA ) Whether the provider made a good-faith effort to notify me and submit the claim to my insurance That the account be placed on hold and not reported to credit agencies while under dispute I am prepared to provide proof of insurance coverage for the date in question and will cooperate fully with any further requests for documentation. 

Thank you for your time and attention to this matter. I respectfully request your assistance in resolving this complaint and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts 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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered XXXX XXXX  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!

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 2025-07-01 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: NJ

Complaint narrative:
I am filing this formal complaint against Experian for reporting a Child Support account on my credit file that I never authorized or consented to. 

Account details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported by : Experian This account is not a credit obligation, loan, or financial tradeline. It is a government-related matter, and I have never signed any agreement, credit application, or document permitting this information to be disclosed or reported by Experian. 

I previously submitted a written dispute by mail requesting proper verification and a copy of any signed agreement that justifies the reporting of this account. I did not receive any contract or valid documentation from Experian in response. Therefore, the continued reporting of this account constitutes a violation of my rights under the following laws : FCRA 604 ( a ) ( 3 ) : Requires a permissible purpose to include any item in a credit report. No such purpose applies to this case.

FCRA 609 ( a ) ( 1 ) ( A ) : Grants me the right to request and obtain all sources and documentation related to items on my report. Experian has not complied.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires that any unverified or inaccurate information be removed. This obligation has not been met.

FCRA 602A ( 4 ) : Protects my right to privacy and restricts disclosure of personal data without consent.

Privacy Act of 1974 ( 5 U.S.C. 552a ) : Prohibits government agencies from disclosing personal information to private companies like Experian without written authorization.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Requires proper protection and lawful handling of personal and non-public information. 

I have already reported this matter to the Federal Trade Commission under case number XXXX for the unauthorized use and reporting of my personal information. 

I request a full investigation and the immediate and permanent removal of this account from my Experian credit file, as required by federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-07-01 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I submitted a formal debt verification request to Comenity Bank regarding my Victorias Secret account ( ending in XXXX ). They responded with a generic agreement and billing statements but failed to provide a signed contract, detailed accounting records, or proof that proper notifications were sent prior to derogatory reporting.

Despite disputing the account, Comenity continues to report negative information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ( b ) ). This has caused significant damage to my creditworthiness.

I respectfully request that the CFPB investigates this matter and ensures that the inaccurate and unverified account is removed from all consumer credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has wrongfully denied multiple fraud claims I filed involving unauthorized transactions processed through XXXX and XXXX. These transactions were not made or authorized by me, and I reported them immediately upon discovery. The claim IDs and amounts are as follows : Claim ID XXXX {$1500.00} Claim ID XXXX {$2300.00} Claim ID XXXX {$810.00} Claim ID XXXX {$770.00} Claim ID XXXX {$770.00} All of these claims were opened on XX/XX/year>, and each one was denied without any proper explanation. Bank of America has provided no documentation or justification only generic denial letters. No investigation findings were shared, no merchant outreach was documented, and no evidence has been presented that I authorized these payments.

This lack of transparency violates Regulation E, which requires financial institutions to conduct a reasonable investigation and resolve errors in favor of the consumer when unauthorized activity is reported. I have received nothing to show that any real investigation took place.

I am asking the CFPB to intervene and hold Bank of America accountable for its failure to properly investigate these fraud claims and its refusal to reimburse me for funds that were clearly taken without my authorization.

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 2025-07-01 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: OH

Complaint narrative:
XX/XX/year> Subject : Formal Dispute of Inaccurate Account Reporting XXXX  ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute an account listed on my credit report under the name XXXX, account number XXXX. This account reflects a balance of {$9200.00}, which is inaccurate and should be removed immediately. 

This debt stems from a rental property I occupied while receiving a Section 8 housing voucher from the XXXX XXXX XXXX XXXX ( XXXX ). During my tenancy, the property failed a XXXX inspection. As a result, rent payments were withheld until the landlord completed the necessary repairs as documented in the inspection report. 

The charges that the landlord is now attempting to collect are directly related to repairs that XXXX had explicitly required the landlord to make. I am attaching the following documentation to support my dispute : 1. A copy of the XXXX failed inspection report outlining the repairs the landlord was required to complete. 
2. A copy of the payment schedule from XXXX, showing withheld payments for XXXX and XXXX due to failed inspections. 
3. A copy of the itemized list of charges from the debt collector.

4. A comparison of this list with the inspection report, clearly showing that the charges are for landlord-responsible repairs.

5. Documentation showing that the landlord also withheld my {$1400.00} security deposit, further calling into question the legitimacy of this claimed debt.

I was not notified by the landlord or any collection agency prior to this account being reported on my credit file. This failure to provide notice may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Given the fraudulent and unjust nature of this claim, and the impact this erroneous information is having on my creditworthiness, I respectfully request that this account be investigated and removed from my credit report immediately.

Please confirm receipt of this dispute and notify me in writing of the outcome of your investigation. If you require any further information, I am happy to cooperate fully. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
XX/XX/year> Subject : Formal Dispute of Inaccurate Account Reporting XXXX  ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute an account listed on my credit report under the name XXXX, account number XXXX. This account reflects a balance of {$9200.00}, which is inaccurate and should be removed immediately. 

This debt stems from a rental property I occupied while receiving a Section 8 housing voucher from the XXXX XXXX XXXX XXXX ( XXXX ). During my tenancy, the property failed a XXXX inspection. As a result, rent payments were withheld until the landlord completed the necessary repairs as documented in the inspection report. 

The charges that the landlord is now attempting to collect are directly related to repairs that XXXX had explicitly required the landlord to make. I am attaching the following documentation to support my dispute : 1. A copy of the XXXX failed inspection report outlining the repairs the landlord was required to complete. 
2. A copy of the payment schedule from XXXX, showing withheld payments for XXXX and XXXX due to failed inspections. 
3. A copy of the itemized list of charges from the debt collector.

4. A comparison of this list with the inspection report, clearly showing that the charges are for landlord-responsible repairs.

5. Documentation showing that the landlord also withheld my {$1400.00} security deposit, further calling into question the legitimacy of this claimed debt.

I was not notified by the landlord or any collection agency prior to this account being reported on my credit file. This failure to provide notice may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Given the fraudulent and unjust nature of this claim, and the impact this erroneous information is having on my creditworthiness, I respectfully request that this account be investigated and removed from my credit report immediately.

Please confirm receipt of this dispute and notify me in writing of the outcome of your investigation. If you require any further information, I am happy to cooperate fully. 

Sincerely, 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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management {$2400.00} I am not sure who this is and there is a constant call and notification starting they will take legal action. I never agreed to anyone purchasing my debt. I called the credit company and they stated they sold to a debt collector. I am unsure who these folks and why they are connecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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