vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MOHELA
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and for attempting to collect on an alleged debt they have no legal right to pursue. 

XXXX XXXX began contacting me by email, mail and phone in XXXX about an alleged delinquent account with XXXX XXXX from XX/XX/XXXX. In XX/XX/XXXX, I formally requested that they stop contacting me and provide debt verification. They have failed to provide any valid proof or verification, and despite my cease and desist request, they have continued to contact me. 

On XX/XX/XXXX, I recorded a conversation with their manager, XXXX XXXX, who confirmed that : - XXXX XXXX  does not own the alleged debt - The alleged debt is over XXXX XXXX XXXX - The actual company claiming to own the debt is, Absolute Resolutions Investments - XXXX XXXX has no proof, no contract, no account statements, and no documentation linking me to any delinquency I also contacted XXXX XXXX directly. They confirmed : - I have no delinquent accounts with XXXX XXXX - I am a current customer in good standing - The account number XXXX XXXX  references is not tied to any of my XXXX XXXX accounts- If I had a delinquent or collection account, I would not have current active service Despite these facts, XXXX XXXX continues to contact me unlawfully. This violates : - 15 USC 1692g Failure to provide proper debt validation - 15 USC 1692c ( c ) Continued contact after a cease and desist request - 15 USC 1692e Use of false or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
When applying for a house this debt showed on my credit report. When reaching out to the agency they couldn't explain in detail the debt due to they seen on their end I had insurance to cover a good amount of the debt. When giving me the number to the original company who sent the debt over they either could explain the amount.

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 2025-06-17 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 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: DC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I got a new phone about XXXX  days before the incident occurred, I deposited around {$800.00} into my account via an online payment processor, and at around XXXX XXXX  apparently I get a bunch of emails saying my Zelle payment has failed, but somehow it still went through. 
I tried to contact chase my bank, they couldnt help and referred me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy of an account being reported by * * XXXX XXXX XXXX XXXX * * with a reported balance of * * {$3700.00} * *, allegedly opened on * * XX/XX/year> * *. 

According to my records and recent credit file, this account is listed as : - * * '' Placed for collection '' * * - " Dispute resolved reported by grantor '' ( inaccurate and misleading language ) - With no clear proof of debt validation or ownership This reporting directly conflicts with the standards outlined in * * Metro 2 Compliance Format * * and violates * * 15 U.S.C. 1681e ( b ) * * of the * * Fair Credit Reporting Act ( FCRA ) * *, which requires all data furnishers and credit bureaus to maintain * * maximum possible accuracy * * in the reporting of consumer information. 

Furthermore, due to increasing reports of * * data breaches * * within consumer reporting agencies and debt buyers, I have reason to believe this account may be a result of * * inaccurate, outdated, or compromised information * *. 

I am demanding the following actions be taken under Metro 2 and FCRA obligations : 1. * * Immediate investigation * * and reinvestigation of this account, with documentation of the original signed agreement and itemized statement. 
2. * * Suspension of reporting * * while under dispute, as required by law.

3. * * Full deletion of this account * * from my credit profile if it can not be verified with 100 % accuracy and validated documentation.

4. A * * response in writing within 30 days * *, as required under the FCRA.

Please note, failure to remove inaccurate information may result in formal complaints to the * * CFPB * *, * * Attorney General * *, and * * FTC * *, along with legal action under FCRA 1681n and 1681o for willful noncompliance and damages.

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 2025-06-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: DC

Complaint narrative:
US Bank Debit " XXXX XXXX '' does not allow option to transfer funds to an account within another bank. 
To transfer funds, need to do a work around involving connecting card to paypal and then moving funds to preferred bank account. 
In addition, experiencing limits on the amount that can be transferred from US Bank XXXX XXXX to XXXX. 
Despite having a balance exceeding {$4300.00}, I am limited to transactions that are less than ~ {$25.00}. 
I do not have these same limitations when transferring funds from other financial institutions. 

I am able to use the card for purchases greater than {$25.00}, so this restriction appears to be only when trying to transfer funds to another financial institution.

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 2025-06-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The debt collector has reported inaccurate information on multiple occasions that are from various companies. This violates multiple laws and regulations according to the FCRA. 
-1681i ( a ) -1681e ( b ) -1681c ( a ) I have also submitted hard copy evidence via USPS. With attached exhibits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-17 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
XXXX requesting Experian special handling department be put under investigation for failure to abide by XXXX a rules and for not deleting an accurate information from my credit report I did not open these accounts please Remove account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is a formal and urgent complaint that demands your immediate attention. My credit report contains inaccurate information that clearly violates the standard of maximum possible accuracy required under federal law. These errors are causing significant and ongoing harm to my personal and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX my scheduled bill pay to XXXX in the amount of {$8800.00} was withdrawn from my checking account. XXXX called my wife on XX/XX/XXXX asking where pmt was. We called the XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX. No clarity on where the funds were sent. I went to branch this XXXX XXXX  and still have no clarity on where the funds went. XXXX is still not paid and the money has been withdrawn from my bank account since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Management has not removed itself from my credit report as they said they would in writing. Its still showing as a negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
The inquiry listed is incorrect and was not authorized by me in any form. I request its immediate deletion to prevent any further negative impact on my credit score.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
The account in question is a bank account from Idaho Central Credit Union that is over 7+ years old. The debt is through XXXX XXXX XXXX, according to my credit reports, there is no such debt. Its

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
A few weeks ago, I received a phone call asking if they were speaking to me, but I refused to disclose who I was talking to unless they announced who they were and what company they were calling from. I had asked multiple times until they disclosed that they were from Transworld Systems and insisted if I was the person they were trying to reach. I asked what was the nature of the call because I was unfamiliar with this company, they repeated if I was who they wanted to reach and they did not disclose, so I told them not to call me again for fear of scams. 

Today, I received mail time stamped XX/XX/XXXX from Transworld Systems, stating I owed money ( ~ {$510.00} ) to a hospital for XXXX XXXX visits. However, I checked my credit on XXXX  to confirm neither the hospital, nor their company exists on my credit report because I don't owe any money. Furthermore, I confirmed through the patient billing portal for that hospital and XXXX XXXX  that I had already paid off all my debts through their payment system, so I owe nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
I would like Experian to check my credit report for accuracy

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 2025-06-17 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: FL

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a credit limit increase through capital one and the reason for my denial was There is legal action pending against the applicant. They could not shed any light as to what legal action or what it pertains/stems from. They had no information to give me any direction as to what it could be. I checked all three credit bureaus, and there are no public records, lien 's or judgments listed. If there is litigation ongoing Im involved in and could find out what it pertains with great, but they said they do not have any access to help find out.

Company response to consumer: Closed with explanation