vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: TX

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 2025-04-16 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:
I am filing a complaint against Transunion Equifax and Experian for failing to properly investigate and correct unauthorized student loan accounts on my credit report. I discovered that XXXX in the XXXX account had been reported student loan accounts to Transunion, Equifax and Experian without permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b. The U.S Department of Education can not assign permissible purpose to a XXXX  party, making this an unlawful disclosure of my personally identifiable financial information. I sent formal disputes disputes to Transunion, Equifax and Experian requesting the removal of these unauthorized accounts and documentation verifying that I had consented to this reporting. I also citied 18 U.C.S.C. 1028A ( aggravated Identity Theft ) due to the unauthorized use of my private information. Transunion, Equifax and Experian failure to Comply : Failure to verify Authorization : Either XXXX of the credit bureaus has not provided any documentation proving I signed a contract permitting either credit bureau to report these accounts, damaging my credit. Noncompliance with the FCRA ( 15 U.S.C. 1681i ) : Transunion, Equifax and Experian has failed to conduct a proper investigation and correct this error within the legally required XXXX timeframe. If this issue is not resolved promptly, I am prepared to take further action, including filing a complaint with my state attorney general 's office and pursuing legal action.

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 2025-04-16 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:
I am filing a complaint against Transunion Equifax and Experian for failing to properly investigate and correct unauthorized student loan accounts on my credit report. I discovered that XXXX in the XXXX account had been reported student loan accounts to Transunion, Equifax and Experian without permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b. The U.S Department of Education can not assign permissible purpose to a XXXX  party, making this an unlawful disclosure of my personally identifiable financial information. I sent formal disputes disputes to Transunion, Equifax and Experian requesting the removal of these unauthorized accounts and documentation verifying that I had consented to this reporting. I also citied 18 U.C.S.C. 1028A ( aggravated Identity Theft ) due to the unauthorized use of my private information. Transunion, Equifax and Experian failure to Comply : Failure to verify Authorization : Either XXXX of the credit bureaus has not provided any documentation proving I signed a contract permitting either credit bureau to report these accounts, damaging my credit. Noncompliance with the FCRA ( 15 U.S.C. 1681i ) : Transunion, Equifax and Experian has failed to conduct a proper investigation and correct this error within the legally required XXXX timeframe. If this issue is not resolved promptly, I am prepared to take further action, including filing a complaint with my state attorney general 's office and pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: NJ

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 2025-04-16 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Regarding Original Complaint ID : XXXX Collection Agency : Portfolio Recovery Associates , LLC ( XXXX ) Original Creditor : XXXX/ XXXX XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to follow up on a previous complaint submitted against Portfolio Recovery Associates , LLC ( PRA ) regarding a collection account being reported on my credit file. I respectfully request that this complaint be reopened or escalated based on PRA 's non-compliance with the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and Fair Credit Reporting Act ( FCRA, 15 USC 1681 et seq. ).

I originally requested proper validation of the debt, as required under FDCPA 809 ( b ). In response, PRA failed to provide any of the following critical documentation : A copy of the signed original contract or agreement bearing my signature A full account history showing the charges and payments A bill of sale or chain of title demonstrating PRAs legal right to collect Any documentation clearly tying me to the alleged debt beyond basic identifiers Despite this, PRA continues to report this unvalidated debt to the credit reporting agencies, which is a violation of FCRA 623 ( b ) and FDCPA. The continued reporting of this unverifiable account is damaging my credit and constitutes a failure to perform a reasonable investigation and verification.

I am requesting that the CFPB require PRA to : Cease all reporting of the unverifiable account to the consumer reporting agencies ( CRAs ) Delete the account from all CRAs ( XXXX XXXX XXXX XXXX XXXX Provide written confirmation of deletion and cessation of collection activity Face appropriate corrective or enforcement action if found in violation I am attaching a copy of PRAs response and my original dispute for reference. Please let me know if additional documents or information are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. violation of 15 USC 1692g. Validate this account. You have XXXX  days to verify if you fail to this must be deleted.

XXXX Account XXXX : XXXX * * * * * Please remove this inaccurate information from my credit report. 

5. violation of 15 USC 1692g. Validate this account. You have XXXX days to verify if you fail to this must be deleted.

XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

6. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately.

XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account XXXX : XXXX * * * * * * * * * Please remove this inaccurate information from my credit report. 

11. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately.

XXXX XXXX Account XXXX : XXXX * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from 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 non-monetary relief
Consumer complaint received 2025-04-16 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: MD

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 2025-04-16 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was first contacted by Harris & Harris debt collection agency via text regarding a medical debt allegedly owed to XXXX for a procedure performed on XX/XX/XXXX. At the time of the procedure, I had active insurance coverage that should have been applied to the charges. However, XXXX claims they sent me a bill, yet I never received any such communication. This lack of transparency is troubling, especially since XXXX has been previously reported by multiple individuals for shady billing practices ( see reports on XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). 

In XX/XX/XXXX, I reached out to both Harris & Harris and XXXX, requesting that collections activity be paused until I could resolve the issue. I provided proof of insurance from the time of the procedure and requested an itemized bill and documentation confirming the debt. Despite these clear requests, I have been completely ignored by both parties. No response has been provided, and no resolution has been offered, leaving me in a state of uncertainty and frustration. 

The failure of both XXXX and Harris & Harris to provide me with the requested documentation, alongside the conflicting amounts quoted for the debt, raises serious concerns. I am being asked to pay for a charge that XXXX unsure is even accurate, with no clarity on how the amount was calculated or whether it was properly processed through my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
I spoke with someone in XX/XX/2025 to set up payments to my off the loans. The young lady took my information and said that everything was set up properly. We confirmed the payment dates for both loans. She called me back a week later and said that she had set it up incorrectly. Also, she stated that my payments were terminated, and I had to start over. I requested to escalate because I thought the matter was resolved. 

In XXXX, I spoke with a man from Mohela. He stated that my files were submitted for collections dept. In reviewing my files, he did not that there were some issues. He stated that he was going to have to review my file and get back with me. 

I have not heard back from him. Each time you speak with someone the information changes. 

Mohela Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Synovus Bank
State: NM

Complaint narrative:
I have called the company on multiple occasions and i can't get any information from them about what purchases were made. They have reported me for not paying when the account was closed in XXXX because the card was stolen and they confirmed and adjusted the report then. I called on XXXX and some time i believe in XXXX I was told a manger would call me back but never heard anything from them. Today my credit report is even lower and i can not get to the bottom of what is happening. I hadn't used the card in months prior to it being stolen and i always paid it before that. I closed my account because the company has no fraud protection and didnt freeze the card or even have a way i could freeze it. This company has wrecked my credit from the beginning of opening an account. I get the run around everytime with this company and they are always saying something different. They never refunded my deposit and keep lying about an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
Cash App seems to have several issues and I reported it to you previously they have on their application toggle switch to have your name or your cash app tag displayed on the web so anybody that wants to send you a present can you dont have to know who its from and you dont have to know theyre sending it Now being that theyre not in my contacts and they send me money. Cash App feels when I ask them where my money is at that if I can not tell them who sent it or how much they shouldnt have to pay me Ive previously filed with you about this and their responses. Its not on her transactions but every time I ask them my account balance theres more money in there Than whats showing up on my balance on my phone. I would like to know how you continuously let them keep money and not deposited into peoples accounts. I had a XXXX Cent balance this time. I asked him how much money was in there and they said {$50.00} but it doesnt show up on my account. They then asked me who sent it and how much was it for? I dont know why you let them steal other peoples money that theyre sending when it plainly says on their application that anyone in the world can look you up and send you money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I deposited a check for XXXX around XX/XX/year> and was told by the bank the check was to be put on 7 day hold before clearing. After the XXXX business day the check cleared and chase then closed my account without my knowledge. I called on XX/XX/XXXX and was told my account was closed and I was to receive my remaining funds in XXXX business days. Today is XX/XX/XXXX which is XXXX business days and I have received no funds after calling numerous times and being told check is the way. today XXXX being told there are still checks they can not verify but yet have been cleared in my account for months. And they are not releasing my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
United Collection Bureau , Inc . 

Subject : Request for Debt Validation under 15 U.S. Code 1692g Dear United Collection Bureau, I am writing regarding the alleged debt associated with XXXX account ending in XXXX, now showing a balance of {$370.00}. This account has been reported to the credit bureaus and I formally request full validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g.

Company response to consumer: Closed with explanation