vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: RI

Complaint narrative:
these accounts were found as fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to the Bank of America ATM in XXXX XXXX on XX/XX/year> after XXXX. I attempted to pull out {$1000.00} from the ATM. The ATM screen asked if I wanted a receipt. Every time I tried to press on the screen to pick it would not let me proceed. I finally canceled the transaction and took my ATM card out. I went in the bank and withdrew {$1000.00} and told the teller my issue. Its XX/XX/year> and still no resolve.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my XX/XX/XXXX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
On XX/XX/XXXX I viewed and saw some inaccurate items on my credit report. 
On XX/XX/XXXX I sent a letter requesting any incorrect information to be removed. According to the Fair Credit Reporting Act 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Equifax and Experian has several items on my report that are inaccurate including a bankruptcy that was NEVER reported by the courts. They claim that my inaccuracies are verified through XXXX, but since XX/XX/XXXX, all inaccuracies on my XXXX account have been located and removed that includes addresses, names and bankruptcy information. I also have another account since XX/XX/XXXX have been charged off, but to this day charges are being added to my credit report, which is also inaccurate. Can you please look into this???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
My credit report is listing outdated and incorrect personal information, including previous addresses and old employers. These addresses and employers are no longer associated with me and have not been for several years. I have previously requested that these be removed, but they remain on my credit report. 

This incorrect personal information poses a risk of mixed files and may link me to accounts or records that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ). I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof. I demand that these payments be promotiv updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Upon receiving a letter in the mail on XX/XX/XXXX, for a collection. 
I sent an email on XX/XX/XXXX with proof the court letter, that validated the correct debt that was owed to the original creditor. I did not receive a response. I called on XX/XX/XXXX, the first time I was put on hold for about 20 minutes before they hung up on me. The 2nd attempt was through a chat online, that prompted me to call. The representative that I spoke with was rude and short with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
So i had this guy he was a mobile mechanic come and fix my car. And actually he made it worse so i asked for a refund. He declined it. I then filed a dispute through CashApp and showed them multiple evidence and they keep declining it. unfortunately i wasted over {$2000.00} to fix my car that the mobile mechanic ruined and he actually has a business where he goes around and fixes people cars. I am trying to have people save their time and not have more problems. But CashApp keeps declining my dispute and saying that it doesnt look like a scam where there is evidence and even when i went to a repair shop they said how the guy messed up the car and how he should be charged but unfortunately not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my XXXX account was compromised, and XXXX unauthorized orders were placed. While some charges to my Chase credit cards ( ending in XXXX and XXXX ) were refunded, XXXX orders paid using Chase XXXX  Rewards points were not refunded. I did not authorize these redemptions. 
The following XXXX unauthorized orders were paid with Chase points ending XXXX from XXXX : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX I believe someone gained access to my XXXX account and placed these orders fraudulently using my Chase XXXX Rewards points. 
I have contacted Chase customer service and Chase Rewards daily since XX/XX/XXXX, but I have yet to receive a resolution or reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against a collection agency that is attempting to collect a debt that I have no knowledge of and do not owe. 

The agency identified as I.C System Inc, contacted me on XX/XX/year>, claiming I owe a debt in the amount of {$340.00}. I have no recollection of this debt and was not provided with proper documentation to verify the claim, despite requesting validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt. However, the agency has continued their collection efforts without proper verification or has failed to respond entirely. I believe this is a violation of my consumer rights. 

Please investigate this matter, as I am concerned about the potential impact this may have on my credit report and overall financial standing. I request that this debt be thoroughly reviewed and that any unverified claims be removed and cease immediately. 

Thank you for your time and assistance in protecting consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach. Because of which there is a debt collection from XXXX  XXXX XXXX on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
On XX/XX/XXXX I viewed and saw some inaccurate items on my credit report. 
On XX/XX/XXXX I sent a letter requesting any incorrect information to be removed. According to the Fair Credit Reporting Act 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Equifax and Experian has several items on my report that are inaccurate including a bankruptcy that was NEVER reported by the courts. They claim that my inaccuracies are verified through XXXX, but since XX/XX/XXXX, all inaccuracies on my XXXX account have been located and removed that includes addresses, names and bankruptcy information. I also have another account since XX/XX/XXXX have been charged off, but to this day charges are being added to my credit report, which is also inaccurate. Can you please look into this???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting a collection account on my credit report that I dispute as inaccurate and not fully validated. I previously submitted a dispute, and PRA responded with a form letter repeating basic account details but failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 



Their response did not include a signed contract, itemized statements from the original creditor ( XXXX ), or any chain of title proving legal ownership of the debt. PRA simply restated the balance and date of purchase, which is not sufficient under FDCPA 15 U.S.C. 1692g ( b ) and FCRA 15 U.S.C. 1681s-2 ( b ).

Under New York State law ( CPLR 214 ), the statute of limitations for consumer debt is three ( 3 ) years. PRA did not provide any documentation to show this debt is still legally enforceable or reportable.

Because PRA failed to properly validate the debt and continues to report it to the credit bureaus, I believe they are violating federal and state law. I am now requesting the complete removal of this collection account from all credit reporting agencies ( Experian, Equifax, and TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Originally my FHA mortgage was with XXXX XXXX XXXX. I took my mortgage out on XX/XX/XXXX. At that time my down payment was 30 % on my mortgage when i closed. I had a conversation with the XXXX XXXX customer service rep in XXXX of XXXX and discussed how the Mortgage insurnace ( MIP ) will be removed. XXXX XXXX stated that since my loan was taken out after XXXX of XXXX and that my down payment was more than 10 % that after 11 years the MIP would automatically come off my loan. They said that my XX/XX/XXXX payment would not include MIP. But then on XX/XX/XXXX XXXX XXXX sold my mortgage to Freedom Mortgage. I then called Freedom mortgage on XX/XX/XXXX and explained again what XXXX XXXX stated to me about how my loan was taken out after XXXX of XXXX and that my down payment was more than 10 % that after 11 years the MIP would automatically come off my loan. I spoke to XXXX different people at Freedom Mortgage who told me I was wrong that the MIP  stays with the life of the loan. I explained to Freedom Mortgage that even their website states that any FHA loan taken out after XXXX of XXXX with a down payment more than 10 % that after 11 years the XXXX would automatically come off my loan. Again Freedom Mortgage said they could not help me I had to contact XXXX XXXX and get this in writing. I then called XXXX XXXX back and they stated they would look into it and send me a letter. Well today I received a letter from XXXX XXXX stating that my mortgage was transferred to freedom Mortgage and I would have to discuss the MIP escrow with Freedom mortgage because they no longer own my loan. Please help because the MIP should no longer be a charge on my loan and neither XXXX XXXX or Freedom Mortgage will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
In XX/XX/XXXX, I received medical services at XXXX XXXX XXXX. Prior to the service, I was provided a Patient Liability Estimate Agreement indicating my total out-of-pocket responsibility would be {$2800.00}, with an option to pay {$2200.00} upfront to receive a 20 % prompt pay discount. I accepted this offer and paid {$780.00} via credit card on XX/XX/XXXX, and {$1500.00} via bank transfer on XX/XX/XXXX, totaling {$2200.00}. This amount should have fulfilled my financial obligation. 

However, on XX/XX/XXXX, I received a billing statement from XXXX XXXX XXXX indicating a remaining balance of {$480.00}. I contacted their billing department multiple times to dispute this charge, as I had paid in full according to the agreement. During one of these calls, a billing representative acknowledged that my Account Activity Summary ( I have that document as well ) reflected only {$1600.00} of payments, despite me having paid {$2200.00}. The representative confirmed there was a discrepancy and assured me the account would be placed under internal review, which would take approximately 30 days. 

Before receiving any response or resolution from XXXX XXXX XXXX, the account was transferred to XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX a collection notice seeking to collect a {$900.00} balance now, even though I never received any billing from XXXX XXXX XXXX reflecting this higher amount. This resulted in both XXXX and XXXX claiming different balances, with no explanation for how the amounts were calculated. 

I disputed the debt with XXXX, and on XX/XX/XXXX, they responded by sending an itemization of hospital services totaling {$36000.00}. However, this document failed to show : How much had been paid by my insurance. 

How much I had paid directly. 

How the disputed balances of {$480.00} and {$900.00} were determined. 
It did not serve as a valid debt verification under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, XXXX sent another letter stating they had completed an investigation and determined the balance to be accurate and my responsibility. However, their response failed to address the fundamental discrepancies : How did a balance of {$480.00} suddenly escalate to {$900.00}? 

Why are payments totaling {$2200.00} not accurately reflected? 

Why did the account get sent to collections while it was under an internal review with XXXX XXXX XXXX? 

XXXX has not provided a proper debt validation as required under FDCPA 809 ( b ). XXXX XXXX XXXX has also failed to provide a clear account reconciliation, leaving me with conflicting amounts and no transparent resolution. Their actions have resulted in billing confusion, misrepresentation of amounts owed, and improper collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief