vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: OR

Complaint narrative:
am writing to file a formal complaint against Consumer Legal Group for breach of contract, failure to provide services as promised, and failure to respond to my refund requests.

I engaged Consumer Legal Group for debt resolution services, making monthly payments of {$350.00} from XX/XX/XXXX, to XX/XX/XXXX. The company was contracted to manage my credit card debt and provide legal representation in court, specifically regarding my debt with XXXX XXXX. However, Consumer Legal Group failed to fulfill its obligations, and as a result, I was taken to court without the legal representation I had paid for. This failure caused my debt to increase significantly, from {$5000.00} to double that amount. 

In XX/XX/XXXX, I received a partial refund of {$2300.00}, but this amount is not sufficient. Based on the services I paid for and the failure of Consumer Legal Group to provide those services, I am owed the remaining balance of {$2300.00}. 

Over the past XXXX months, I have repeatedly requested a refund, including multiple emails, phone calls, and promises of callbacks, but I have received no response or resolution. I was told that someone from the refund department would contact me, but it has been over XXXX months with no follow-up. The lack of response and failure to honor their contractual obligations is causing me significant financial and emotional distress. 

The legal grounds for my complaint include : Breach of Contract : Consumer Legal Group failed to provide the legal services as promised in our contract.

Failure to Perform Services : Despite paying for services, Consumer Legal Group did not represent me in court or manage my credit card debt as agreed.

Unjust Enrichment : Consumer Legal Group accepted payments for services they did not render, resulting in unjust enrichment. 

Failure to Respond to Refund Requests : Despite numerous attempts, Consumer Legal Group has failed to acknowledge or process my refund request for over XXXX months. 

I am seeking the remaining refund of {$2300.00} to which I am entitled. If the situation is not resolved promptly, I am prepared to take further legal action, including filing a complaint with the XXXX  Department of Justices Consumer Protection Division or pursuing legal remedies in small claims court.

Please assist in facilitating an investigation into this matter and ensure that Consumer Legal Group adheres to its contractual and legal obligations. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain.

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( 3 Bureaus ) XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  - Balance & Past Due Amount : {$0.00}

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-23 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 recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries : 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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Request for Explanation Regarding Account Closure Dear Bank of America, I was recently informed that my account is being closed, but I have not received a clear explanation for this decision. I have always aimed to maintain my account responsibly and am unaware of any activity that would warrant closure.

I respectfully request : 1. A written explanation detailing the reason for the account closure.

2. Information regarding the timeline and method of disbursement for any remaining funds.

3. Instructions for how to appeal or dispute this closure, if applicable. 

I would appreciate your prompt assistance with 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 monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-23 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-23 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-23 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing regarding the above-referenced account. I am conducting a thorough investigation into all aspects of this account and require additional information to verify the current status of my obligation.

Based on public financial disclosures, I understand that Discover participates in various financial markets, including securitization and credit derivatives.

Under the Truth in Lending Act ( TILA ) and state consumer protection laws, I am entitled to accurate information regarding the current status of my debt, including information that would affect the amount legitimately owed. 

Furthermore, Discover is a Defendant in civil case 4:24-CV-2010 and has not complied with any of the Courts request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for knowingly reporting inaccurate, fraudulent, and unverifiable information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 
Despite my attempts to correct these records, the credit bureaus have continued to publish the following : Fraudulent tradelines from XXXXXXXX XXXX and XXXX XXXX, which I did not authorize, open, or use. These accounts are the result of identity theft. 
Reinserted derogatory entries from XXXX XXXX, without required notice, violating FCRA XXXX ( a ) ( XXXX ) ( B ). 
Duplicate and inflated student loan reporting from XXXX XXXX Dept of Education, which misrepresents my balance and credit risk. 
Inaccurate personal information, including names and addresses not connected to me a red flag for file mixing. 
Unauthorized hard inquiries made without permissible purpose under FCRA 604.

I have submitted written disputes to all three bureaus along with a police report and an FTC Identity Theft Affidavit, pursuant to FCRA 605B. I have demanded that these fraudulent accounts and inquiries be blocked and removed immediately.

The ongoing reporting of this harmful information has resulted in : Emotional distress Denied credit opportunities Damaged reputation Increased financial scrutiny I am requesting the CFPB to intervene and ensure full compliance by the credit bureaus. This includes : Full deletion of all fraudulent and disputed accounts Immediate removal of unauthorized inquiries Permanent correction of my personal information Written confirmation of investigation results These violations are clear, well-documented, and supported by evidence I am prepared to submit. I am seeking immediate corrective action and potential statutory relief.

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 2025-04-23 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: IL

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

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 2025-04-23 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 2025-04-23 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: OH

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom it May Concern, I am filing a formal complaint against Experian, XXXX, and XXXX  for

continued reporting and collection of student loan debt that is now legally void following executive order to abolish the U.S Department of Education Complaint Details 1. Illegal Credit Reporting- The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education . 2. Failure to Verify Legitimacy of Debt - The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agency 's abolishment. 3. Unfair and Deceptive Practices- the continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C 1681 and FDCPA ( 15 U.S.C. 1692 ) I demand and immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 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 2025-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Contacted company multiple times to have them correct the amount, there was someone else in the contract but they keep saying I'm the only one and are unable to provide evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On the night of XX/XX/scrub> 2025, I visited XXXXXXXX XXXX XXXX XXXX XXXX  shortly after midnight. I made a single authorized payment of approximately {$300.00} for a dance using my credit card. While at the venue, I fell asleep. After leaving and reviewing my account the next morning, I discovered three additional charges had been made to my card without my authorization : {$2000.00}, {$1800.00}, and {$1300.00}. 

I immediately reported the transactions to my financial institution, XXXX, as fraudulent. However, XXXX denied my fraud claim on the grounds that the card was inserted using the chip, which they considered sufficient evidence of authorized use. Despite this, I did not personally approve or carry out those three high-value transactions, and I believe my card was taken and used without my knowledge or consent while I was asleep. 

I am seeking assistance in holding XXXX accountable for denying reimbursement of these unauthorized charges, and I request a formal review of how my claim was handled under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
violation according to usc 15 1681eb you are suppose to assure max possible accuracy this account is not mine according to fcra delete account immediately for violating 15 usc 1681eb 15 usc 1681 i ( 7 ) this account needs to be deleted asap attached is docs

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
In XX/XX/year>, I experienced a medical issue that required me to take three to four months off work due to a XXXX. I informed this institution about my condition and requested leniency until I could return to work. Despite this, they have now closed my account due to three missed payments and have reported it to my credit report. I have made efforts to communicate my situation with the institution, but they seem to prioritize reporting and account closure. I believe they should remove the reporting from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$310.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$24000.00} INQUIRIES : 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 2025-04-23 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation