vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute the inclusion of a medical collection account placed by United Collection Bureau on my credit report. 

Per the updated regulation taking effect XX/XX/2025, consumer reporting agencies are prohibited from including medical debt information on credit reports and credit scores used by lenders. This rule is meant to end the coercive practice of using credit reporting to collect medical debts, regardless of their accuracy. 

As this account qualifies as medical debt, I request that it be immediately removed from my credit report. Please confirm compliance with the updated regulation and provide written confirmation once the item has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over 30 days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My case was taken to the XXXX XXXX XXXX XXXX XXXX XXXX and was sent to mediation where an agreement was made, signed and submitted and approved by the court on XX/XX/year>. I agreed to pay {$1000.00}. on the debt which I did on time and way ahead of the schedule time frame. Then a couple of days ago the collection agency Portfolio Recovery Associate reopened the case to collect the rest of the unpaid debt with interest, court fees and attorneys fees. I uphold my obligations as per the stipulations and now I am taken to court once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On Monday XX/XX/XXXX I attempted to transfer {$5000.00} from my bank account to my Venmo  account to pay for the caterer for my sons wedding but it did not go through, I then attempted to transfer only {$2500.00} and it still did not go through. I called venmo and was told the weekly limit for transferring using a debit card is {$2000.00} but {$10000.00} for a verified bank account. I was also told to wait XXXX hours to allow the flag to clear before trying again. I did so and attempted to transfer {$5000.00} using my verified bank account and it did not go through. I called Venmo again and was told it may just need more time. I attempted the transaction again the next day XX/XX/XXXX but encountered the same issue. I even tried to send the money to the other party through Venmo using my bank account rather than transferring the funds but to no avail. I called Venmo again and was told again to give it time to clear their review. I made another attempt to process this on XX/XX/XXXX and XXXX to no avail again. I called venmo again and was told the same thing " just wait '' I made the attempt again this morning Friday XX/XX/XXXX which yielded the same result. I called Venmo and spoke with a supervisor this time and was told that the transaction was flagged because historically over the past 2 years I have never made a transaction of this amount. I asked why nobody has reached out to me to verify the authenticity of the transaction and was told they do not do that and I just have to give it time to drop off the review platform. I explained I have been having this issue all week and have waited several to 24 hours as instructed but it still is not clearing. I was told to try sending it using my bank rather than do a transfer so I did while on the phone and it was still declined. I even asked the other party to send me a request for the amount and tried to pay that was and it was declined. The other party only uses venmo so I really have no other option to get the payment made except in cash but I am not within driving distance to go do this. It is extremely frustrating that a platform like Venmo can flag a transaction without reaching out to the account holder to verify its authenticity and no one at Venmo can provide any information at to how to get this resolved so the transaction can be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Incorporated has continuously called me I requested the invoice/statement from the college that showed the amount owed. I have explained to the company numerous times that I do not owe on the loan, I withdrew from the college and was told everything was settled. I am writing to formally file a complaint against Transworld Systems Incorporated for their repeated and inappropriate collection practices. I have been receiving nonstop calls from the agency regarding a debt, yet despite multiple requests, I have not been provided with any documentation verifying this debt. I planned to attend college at XXXX XXXX  in XXXX XXXX XXXX, XXXX  but withdrew prior to the classes beginning. When I contacted the college regarding the withdraw process, I was told everything would be removed/deducted as I followed the proper withdraw protocol and would have no penalties. This was in XXXX. It is now XXXX and I am being harassed for money/loans that I never used or received. This needs to be corrected and I need to stop being harassed by this company. Most concerningly, the agency somehow obtained and called my place of employment, which is not listed on my file. This is completely inappropriate and unacceptable. When I informed the representative that my workplace should never be contacted, I was assured that the number would be removed, yet they continue to call my cell phone from numerous different numbers all day and night. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Written validation of the alleged debt, including details on its origin and any supporting documentation. Immediate cessation of all calls to my workplace. A written confirmation that my workplace number has been removed from the system. A stop to any further harassing or excessive calls. If these requests are not met promptly, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Purchased a XXXX  thru Carvana on XX/XX/XXXX. XX/XX/XXXX notice some things were in need of repair, XXXX XXXX, caravans XXXX co agreed to fix, then a few days later XXXX problems, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We had to XXXX XXXX when we drove it. Took to shop again, the repairs were to much for the shop to handle it would need body parts taken off, XXXX me guy that he though the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Body shop said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed. After XXXX months of phone calls and aggravation, inconvenience, loss of work. Carvana says well take XXXX back and let you pick another one. We dont want another XXXX from them, we cant trust them. They didnt want to work with us when it was bad electrical. We want our money back the loan paid off and compensation for all they are putting us through. They have XXXX point inspection that passed this XXXX it stated No accidents form Carvana and car fax! How could they sell this to us. They put my husband in my XXXX lives in XXXX when he drove that XXXX  for the first XXXX weeks since then its been sitting deemed unsafe XXXX XXXX the body shop. XXXX even let XXXX XXXX it home.. please help us we have contacted the XXXX states attorney office also. We need to get this resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Request for Removal of Personal Information Under 15 U.S.C. 16811681x ( FCRA ) To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to formally request the removal of specific personal information from my credit report that is inaccurate, outdated, or otherwise unverifiable. 

Under 15 U.S.C. 1681g ( a ), I have the right to request all the information in my credit file, including the sources of that information. I have reviewed my credit file and identified the following personal information that I believe should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is either outdated , not associated with me, or unverifiable. Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine the accuracy of any disputed information, and delete or correct any information that is found to be inaccurate or can not be verified. 

Additionally, under 15 U.S.C. 1681c ( a ), certain types of information may not be reported beyond a specified period. Although this provision typically applies to adverse information, it reinforces the importance of maintaining accurate and current personal data in a consumers file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my report. Maintaining obsolete or incorrect personal data directly contradicts this statutory obligation.

If the disputed information can not be verified, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). You are also required to notify me of the results of your reinvestigation within 30 days, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ). 

I am requesting the removal of the information listed above from my credit report across all reporting formats. Please send me written confirmation once the removal has been completed or documentation supporting your determination if the information is not removed. 

Thank you for your prompt 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Request for Removal of Personal Information Under 15 U.S.C. 16811681x ( FCRA ) To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to formally request the removal of specific personal information from my credit report that is inaccurate, outdated, or otherwise unverifiable. 

Under 15 U.S.C. 1681g ( a ), I have the right to request all the information in my credit file, including the sources of that information. I have reviewed my credit file and identified the following personal information that I believe should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is either outdated , not associated with me, or unverifiable. Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine the accuracy of any disputed information, and delete or correct any information that is found to be inaccurate or can not be verified. 

Additionally, under 15 U.S.C. 1681c ( a ), certain types of information may not be reported beyond a specified period. Although this provision typically applies to adverse information, it reinforces the importance of maintaining accurate and current personal data in a consumers file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my report. Maintaining obsolete or incorrect personal data directly contradicts this statutory obligation.

If the disputed information can not be verified, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). You are also required to notify me of the results of your reinvestigation within 30 days, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ). 

I am requesting the removal of the information listed above from my credit report across all reporting formats. Please send me written confirmation once the removal has been completed or documentation supporting your determination if the information is not removed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: PA

Complaint narrative:
My loans were and still are in forbearance, but my credit score was still taking impact. It was saying XXXX  days delinquent and my credit score dropped over XXXX points.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
Remove from report immediately or UPDATE to PAID IN FULL / {$0.00} PAST DUE / NEVER LATE Provide copy of the 1099-C, an itemized ledger showing all debits, credits, fees, interest, & payments justifying the {$4600.00} balance, & the full chain of title or assignment history to verify the legitimacy of the debt & your authority to collect & report under FDCPA and FCRA Law ( Experian ) Status - Charge Off Closed - XX/XX/XXXX Past Due - XXXX XXXX Times Late - XXXX ( XXXX  ) Status - Unknown Closed - XX/XX/XXXX Past Due {$4600.00} Times Late - XXXX ( Equifax ) Status - Charge Off Closed - N/A Past Due {$4600.00} Times Late - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-09 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: TX

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Midland Credit Management is calling me before XXXX XXXX. This most recent call was on XX/XX/year> at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Finance LLC
State: MD

Complaint narrative:
My last and final payment was in XXXX for the full amount of {$460.00}. The company American Finance in XXXX  charged interest XXXX  XXXX  after the final payment of the loan, which I was aware that the final payment should have been in XXXX of XXXX. I was informed that there are additional charges for interest that would not be due at the final payment and that the company would charge the interest the following month. The company reported the interest as being XXXX  XXXX  late in XXXX of XXXX. The very last payment was not XXXX  XXXX  last. American Finance is stating that the interest after being charged XXXX  XXXX  later after the final payment was late. I have been with the company for XXXX XXXX and have never been XXXX XXXX late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
I thought medical debt wasn't allowed to be reported on my credit report. I found out if it were XXXX or less. Then I was told outstanding medical shouldn't effect my XXXX XXXX but it did. My score dropped over XXXX points. I have been working hard on my report and was upto XXXX and now that outstanding XXXX XXXXXXXX showed up I dropped down to low XXXX and that is not fair. I would like my XXXX XXXX corrected, if all possible.

Company response to consumer: Closed with explanation