vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Woodstone Ct, XXXX, GA, XXXX XXXX XXXX Ct, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Ct, XXXX, XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$16000.00} Charge Off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX - XXXXXXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$30000.00} Included in XXXX XXXX XXXXXXXX BANK Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in Bankruptcy Bankruptcy 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX all my XXXX  money from XXXX  XXXX  benefits was stolen from my Bank of America account I have filled so many paperwork that the bank send me still nothing since the XXXX  now its XXXX  I still havent received my money they just sending me paperwork after paperwork not my money when I was told my money was FDIC INSURED I need help getting my money back since then I have dealt with many problems such as I became XXXX  for a while moved from XXXX  to XXXX XXXX then to XXXX then XXXX XXXX  now I reside in XXXX  I couldnt access my money my car got repossessed lost a lots of personal items I couldnt carry my whole house with me when I didnt even have no place to go

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
Complaint Summary : Unauthorized XXXX Withdrawals by BHG Financial BHG Financial has been making unauthorized XXXX debits from my personal bank account since XX/XX/year>. These withdrawals were not initiated or authorized by me and have continued for over XXXX consecutive months, totaling in excess of {$2400.00}. 

Upon investigation, it has become evident that my personal banking informationspecifically my routing and account numberwas erroneously applied by BHG Financial to an account that does not belong to me. The funds withdrawn from my account were used to make payments on behalf of another individual with whom I have no personal or financial relationship. I do not know this person, nor have I ever consented to use of my account for their benefit. 

This constitutes a serious breach of fiduciary responsibility and data security, and reflects a failure in BHG Financials internal controls related to payment authorization and identity verification. Despite notifying BHG Financial of this issue, the burden has been placed on me to validate and prove the amount of money taken, rather than the company taking accountability for their error and initiating a proper investigation. 

I am seeking the immediate reimbursement of all unauthorized funds withdrawn from my account, along with a formal acknowledgment of the error, an explanation of how this occurred, and the implementation of corrective measures to prevent future occurrences. I am also consulting legal counsel and have filed formal complaints with the appropriate regulatory and oversight agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Took over XXXX hours to open a checking and savings account on XX/XX/year> at the XXXX XXXX  XXXX in XXXX  XXXX. I had to then go back to complete the XXXX  PIN numbers and the online banking app for checking and savings accounts. Took another XXXX hours to complete. Csr was extremely rude and threatening me. I am a customer I deserve respect. I was chased {$5.00} out of my own bank account around XXXX charges of {$5.00} I wasnt told I would be charged.

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 2025-04-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Address 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  This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Address 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  This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
This creditor, Velocity Investments , LLC, contacted me through email repeatedly less that XXXX  days apart each time. They state the amount owed is over {$1600.00}, but the line of credit they initially bought from the original creditor, XXXX, was only {$1500.00}. They are suing for this amount. Served papers at my home, of which they just left on my front porch. My XXXX, coming in from XXXX, brought the papers in. Initially, when being sued and served, arent these papers supposed to be handed directly to the consumer and not left on their doorstep? Im confused about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX Equifax, and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. 

EQUIFAX AND TRANSUNION HAS YET TO REMOVE XXXX XXXX XXXX FROM MY ACCOUNT BUT XXXX  HAS .. HOW IS SOMETHING STILL BEING REPORTED THATS NOT ME AND HAS BEEN DELETED FROM ANOTHER CREDIT BUREAU?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an email XX/XX/year> to call XXXX option XXXX to speak to someone regarding why my social security check deposited into account is not available. 
When I called the Chase # she informed me my account has been closed and I would be received a check for the balance of my account which is over {$2000.00}. I went to the local branch @ XXXX XXXX XXXX to get my money and they refused. I still as of this day XX/XX/year> have not received a check from Chase Bank. I have called and they state they need to confirm my address and will send the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 2025-04-15 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:
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 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Georgia Student Finance Authority
State: NE

Complaint narrative:
I began attending XXXX  XXXX XXXX  in Fall XXXX with the support of the XXXX scholarship, which covered the majority of my tuition. I successfully maintained this scholarship for my first semester. However, the XXXX pandemic began to escalate in late XXXX and early XXXX, leading the university to close campus housing and shift to online instruction. 

As a result, I had to return to my home, which was approximately XXXX hours away and not an environment conducive to online learning. This transition caused my academic performance to suffer significantly, ultimately resulting in the loss of my XXXX  scholarship. In Fall XXXX, I made the difficult decision to withdraw from the university and later XXXX  in the XXXX  XXXX  XXXX XXXX, officially beginning XXXX XXXX in XX/XX/XXXX. 

At the time, I believed that my student loans would be automatically deferred or canceled due to my XXXX XXXX status. I also understood that, under the XXXX administrations XXXX relief measures, student loans were placed in forbearance or deferment. Unfortunately, I later learned that this only applied to federal student loans and not to state loans like mine. 

Due to this misunderstanding, I did not make payments on my XXXX  XXXX XXXX XXXX, which was eventually sent to a debt collection agency. I later made several payments through the collection agency, but was not clearly informed when the loan servicing returned to the XXXX  XXXX  XXXX  XXXX. I only discovered missed payments through a credit monitoring service. 

Upon reviewing my original loan disclosure, I found that it references a deferment process for XXXX XXXX XXXX  XXXX. However, after visiting the XXXX  XXXX  XXXX  XXXX  website, I was unable to locate any such form or instructions for requesting deferment, leaving me without a clear path to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This complaint is regarding a previous complaint XXXX I am sending the follow-up complaint to assure that the bank can not claim I did not respond to them. 

After my repeated complaints to CFPB I received a voice message from XXXX XXXX XXXX XXXX XXXX XXXX but could only reach a robot that hung up on me without taking a message - called the number but skipped the extension. Got a robot that took a message. I have no confidence in Citi 's robots, so I am leaving this complaint to establish that I tried to communicate The Citi case number for this matter is 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pappas Hayden Westberg & Jackson PC
State: MO

Complaint narrative:
I am submitting this complaint regarding an attempt to revive a judgment that is clearly unenforceable under Missouri law. 

The original judgment against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the plaintiffs attorney, XXXX XXXX XXXX of PAPPAS HAYDEN WESTBERG & JACKSON PC, filed a Motion to Revive Judgmentnearly 19 years after the original judgment. 

Under Missouri law ( 516.350 RSMo ), a judgment must be revived within 10 years of the original entry date or it is presumed paid and no longer enforceable. There is no evidence on the court docket of any prior revival attempt within that 10-year period. 

Despite this, the law firm filed a revival motion which has caused me emotional distress and required legal research, preparation of a response, and a court appearance to defend myself against a time-barred claim. I believe this action may violate the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692e and 1692f, as it attempts to misrepresent the legal status of a debt and initiate legal action that can not lawfully be taken. 

I am requesting that this law firm be investigated and held accountable for pursuing collection through litigation on an expired judgment, and that they cease further attempts to revive or collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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