vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
medical bill from XXXX XXXX XXXX XXXX, tied to an auto accident in XX/XX/XXXX, was sent to XXXX XXXX XXXX in XX/XX/XXXX for the amount for {$3300.00}. The debt was fully paid in XX/XX/XXXX via a check to the hospital, following a settlement finalized in XX/XX/XXXX. 


XXXX XXXX XXXX reported the account as a collection to Experian in XX/XX/XXXX, three months after payment, falsely indicating an unpaid balance. 

I disputed the collection with Experian, providing a cashed check proving payment. Experian denied the dispute, claiming XXXX XXXX XXXX verified the account, without addressing my evidence or the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/XXXX, rule banning medical debt from credit reports. 

I disputed the collection with Experian, providing a cashed check proving payment. Experian denied the dispute, claiming XXXX XXXX XXXX verified the account, without addressing my evidence or the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/XXXX, rule banning medical debt from credit reports. 


Over 30 days ago, I emailed XXXX XXXX XXXX with proof of payment, requesting they update their records and notify Experian to remove the collection. They have not responded, violating their FCRA duty to correct inaccurate data.

Legal Violations : The reporting violates the CFPBs Regulation V amendment, which bans paid medical debt from credit reports, effective XX/XX/XXXX ( despite a legal stay until XX/XX/XXXX, the payment predates reporting ). 

Experian violated FCRA ( 15 U.S.C. 1681i ( a ) ( /statute/united-states-code/title-15-commerce-and-trade/chapter-41-consumer-credit-protection/subchapter-iii-credit-reporting-agencies/section-1681i-procedure-in-case-of-disputed-accuracy ) ) by failing to conduct a reasonable investigation, ignoring my evidence.

United Collection Bureau violated FCRA ( 15 U.S.C. 1681s-2 ( b ) ( /statute/united-states-code/title-15-commerce-and-trade/chapter-41-consumer-credit-protection/subchapter-iii-credit-reporting-agencies/section-1681s-2-responsibilities-of-furnishers-of-information-to-consumer-reporting-agencies ) ) by verifying inaccurate information and not responding to my request to correct it.

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 2025-05-13 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 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
we were approached by XXXX XXXX XXXX  soliciting a donation for a funeral for their brother. my wife authorized a {$20.00} donation. but the fraudsters made 4 consecutive charges of {$20.00}, {$5000.00}, and {$5000.00}, all without authorization. it was billed under XXXXXXXX XXXX XXXX XXXX, Illinois. we live in XXXX tx. we did not receive any goods or services from that company. i even called the construction company and they have no record of doing any business with us teh credit card company alerted me over the text over possible fraudulent activity, asking if i authorized a charge. i texted back saying no and they still let the fraudulent charges go through. Bank of America allowed fraud to happen on our card and is holding us liable when its their responsibility as part of fraud protection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE XXXX XXXX ACCOUNT ON MY CREDIT REPORT NEEDS TO BE DELETED. 
LATE PAYMENTS REPORTED ARE PRIVACY VIOLATION. THE LATE PAYMENT STATUS IS INVALID AND INACCURATE. YOU MUST HAVE MAXIMUM ACCURACY WHEN REPORTING. PLEASE DELETE. 15 USC CODE 1666B.

ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THE INQUIRIES THAT DO NOT BELONG TO ME AND I DO NOT HAVE ANY ACCOUNTS WITH THE COMPANIES LISTED BELOW. FRAUD Inquiries : XXXX XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 2024

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 2025-05-13 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: TN

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 explanation
Consumer complaint received 2025-05-13 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: CA

Complaint narrative:
In XXXX of 2025, I discovered a collection account in the amount of {$12000.00} listed under Oliphant USA LLC on my XXXX credit report. I have never received any prior communication from Oliphant, no bill, letter, phone call, or notice regarding this alleged debt. I have never done business with this company and do not recognize the debt. 

I submitted a formal debt validation request to Oliphant under FDCPA Section 809 requesting proof of the debt, including the name of the original creditor, a full itemization of the balance, and confirmation that the debt is not time-barred under California law . As of today, Oliphant has provided no response or documentation.

I believe this account is being reported in violation of the FDCPA and may involve re-aged or fraudulent debt that was never properly validated or disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a checking account with Bank of America which promoted {$300.00} when receiving a direct deposit of XXXX which I have completed. Yet I have not received confirmation on eligibility or a confirmation on the bonus as I have had friends/family receive there bonus within XXXX days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXXXXXX 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( s ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I was an XXXX recipient in XXXX and would pay my loans using my service award each month. During COVID-19 shutdown, payments were paused, however my award was getting ready to expire. I submitted the remaining award to XXXX in one lump sum, however this was around the time that they were transferring everything over to Mohela and was instructed to work with them. I contacted support multiple times to track down the check that XXXX had claimed was cashed. Mohlea was incredibly difficult to contact. I could not get anyone live on the phone and it took months to receive a response via their messaging portal. When I did finally receive a response, no support was given. The XXXX money has since disappeared but never registered as a payment with XXXX or Mohela. As of today XX/XX/year>, no record of my correspondence with Mohlea is accessible. All of that has disappeared. XXXX was unable to assist me as they had claimed that it had already been received. Neither party would collaborate with each other and were instead sending me back and forth between the two parties. Due to the number of discrepancies and misconduct in managing my student loans, I am requesting that they be removed from my credit report and that they be forgiven completely, as they have violated my Master Promissory Note. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ) .cash app failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected. Their resolution dispute was very unfair and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-13 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year>

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 2025-05-13 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
1. In XXXX of 2023 I used an ATM for XXXX XXXX but the funds were never dispensed 2. I reported it to XX/XX/XXXX and they said the dispute research is now outsourced to another company 3. I called again in XXXX of this year and they assured me they would credit the account and take it off 4. It was never taken off, the numbers they adjusted make no sense and have nothing to do with the XXXX 5. They took it out of 'suspense ' then sent me notification I am delinquent on my account and reported it to the credit bureau . 
6 I was forced to pay the amount for something I never received because of the lack of follow up investigation by XX/XX/XXXX They never researched ; they only threatened with delinquency and ruining the credit. It should never take over 2 years to investigate a disputed charge, let alone put it back on the account when I was assured it was resolved putting my credit in jeopardy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-13 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:
I believe these accounts are fraudulent and have nothing to do to them. I ask that they be removed from my credit record right away and that a thorough investigation be conducted. Supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: GA

Complaint narrative:
ON FRIDAY XX/XX/year> i RECIEVED ALERT FROM XXXX  ABOUT DISCOVER CARD CHARGING ME LATE CHARGES THAT I WAS NOT AWARE! CARD HAS ALWAYS BEEN ONAUTO PAY FOR YEARS. CARD WAS PAID OFF A FEWW MONTHS AGO AUTO PAY NOT CANCELED. 
I TALKED WITH CUSTOMER SERVICE REP ID XXXX AND SHE TOLD ME WHEN XXXX IS PAID OFF AUTO PAY GET CANCELLED! I ASKED HOW CAN IT BE CACELLED WITHOUT MY AUTORATION? SHE SAID BECAUSE IT WAS PAID OFF AND SHE REFUSES TO CREDIT MY ACCOUNT! 

XXXX i CALLED AGAIN AND TALKED WITH XXXX SHE REFUSED TO CREDIT BACK ACCOUNT ALSO SAID AUTO PAY WAS CANCELLED THRU INTERNET! 
I DID NOT CANCEL SO WHO DID? 
SHE THEN TOLD MEIT WAS NOT REPORTED TO CREDIT AGENCIES WHICH WAS WRONG.

I TOLD HER I FOOUBD OUT ABOUT IT THRU XXXX AND THEN THEY DROPPED MY CREDIT SCORE BY XXXX POINTS!!!!!!!!! CLAIMING I MISSED PAYMENT IN XX/XX/XXXX WHICH I RECIEVED NO ALERT! 
TOLD HER THIS WAS ILLEGAL!!!!!!!! 
i WANT LATE CHARGE REMOVED AND LATE FEE REPORTED TO CREDIT AGECIEA REMOVED. 
tHEY ARE TRYING TO XXXXXXXX XXXX MY CREDIT!!!! IT'S XXXX!!!!!!! 
i WAS TOLD 2 DIFFERENT STORIES BY DISCOVER AND LIED TO BY XXXX ABOUT BEING REPORTED TO CREDIT AGENCIES!!!!!

i HAVE HAD THIS CREIT CARD OVER 10 YEARS NO PROBLEM UNTILL THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with non-monetary relief