vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: LA

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 2025-04-29 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: LA

Complaint narrative:
Experian is currently reporting two charge-offs : one from XXXX  XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$1100.00}, and another from XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} balance. First, the XXXX XXXX charge-off is unsubstantiated. I dispute the accuracy and validity of this entry as I have not received verifiable documentation to confirm this charge-off is legitimate or accurately reflects the account 's final status. Secondly, the XXXX XXXX XXXX  charge-off shows a balance of {$0.00}, which raises questions about why it is reported as a charge-off in the first place. A {$0.00} balance indicates no financial obligation, yet Experian continues to display this derogatory mark, suggesting either negligence in their procedures or inclusion of obsolete data. Given the sensitive nature of consumer credit data, and the sharp increase in data breaches in recent years, it is very likely that both entries may stem from compromised or incorrectly matched information. 

According to 15 U.S. Code 1681e ( b ), Experian has a non-negotiable legal responsibility to report only verified and accurate information. The presence of these faulty charge-offsespecially one reflecting no outstanding balancedemonstrates a failure to comply with this federal mandate.

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 2025-04-29 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: MN

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a {$9200.00} check into my Bank of America account on XX/XX/2025. 
The app originally showed the funds would be available XX/XX/XXXX or XX/XX/XXXX. That date has now been changed to XX/XX/XXXX, without clear explanation or evidence of an issue with the deposit. 

This has caused financial hardship. I attempted to resolve it through live chat. I was told escalation would take up to 24 business hours and then the chat was ended before I could respond. No supervisor has followed up. 

Im requesting either the original hold release date be honored or that at least a portion of the funds be released immediately. I have screenshots of all changes and the chat logs.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westcreek Financial
State: NY

Complaint narrative:
I have called the debt collector asking for a 1099c form since this account has been charged off. I never received this form and when I asked about it, they hung up the phone. 

any account that had been charge off must provide 1099c form which I was not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: AR

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report by BMG Money Inc. The account in question is being reported as charged off in both XX/XX/XXXXXXXX  and again in XX/XX/XXXX. 

This is inaccurate and misleading, as an account can not be charged off twice. Reporting two separate charge-off dates for the same account misrepresents the true status and history, negatively impacting my credit standing. 

This reporting practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], which requires that furnishers of information to consumer reporting agencies ensure the " maximum possible accuracy '' of the data they report. BMG Money Inc. has failed to comply with this requirement. 

I am requesting that this erroneous entry be corrected immediately by removing the inaccurate reporting from my credit file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I disputed for accounts with Experian and apparently they came back verified. I asked for further information on how they came to that conclusion who they talk to etc. and have yet to get that information. 
Date : [ Insert Date ] To : Experience XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Description of Dispute Verification Procedure under 15 U.S.C. 1681i ( a ) ( 7 ) Dear [ Experian ], I am writing in reference to a recent dispute I submitted regarding information contained in my credit report. The disputed item was verified as accurate by your agency, and I am now exercising my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 7 ). 

I hereby formally request a description of the procedure used to determine the accuracy and completeness of the information in question. Additionally, please provide : The name, address, and, if reasonably available, the telephone number of the furnisher of the information that was contacted during your investigation. 

Below are the details of the disputed item : Account Name : [ Name of Creditor or Furnisher ] Account Number : [ Full or Partial Account Number ] Date of Dispute Submission : [ Date ] Confirmation/Case Number : [ If applicable ] Please send your response to the mailing address listed above. I expect your response within the time required by law. 

Sincerely, [ my Signature ] [ myPrinted Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: RI

Complaint narrative:
I disputed for accounts with Experian and apparently they came back verified. I asked for further information on how they came to that conclusion who they talk to etc. and have yet to get that information. 
Date : [ Insert Date ] To : Experience XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Description of Dispute Verification Procedure under 15 U.S.C. 1681i ( a ) ( 7 ) Dear [ Experian ], I am writing in reference to a recent dispute I submitted regarding information contained in my credit report. The disputed item was verified as accurate by your agency, and I am now exercising my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 7 ). 

I hereby formally request a description of the procedure used to determine the accuracy and completeness of the information in question. Additionally, please provide : The name, address, and, if reasonably available, the telephone number of the furnisher of the information that was contacted during your investigation. 

Below are the details of the disputed item : Account Name : [ Name of Creditor or Furnisher ] Account Number : [ Full or Partial Account Number ] Date of Dispute Submission : [ Date ] Confirmation/Case Number : [ If applicable ] Please send your response to the mailing address listed above. I expect your response within the time required by law. 

Sincerely, [ my Signature ] [ myPrinted Name ]

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 2025-04-29 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:
XXXX XXXX has continued to state that I owe an amount that they can not verify. This has already been removed from XXXX CBRAs and is being processed by others. I have been forced to complain multiple times, and they continue to miscommunicate and attempt to dodge their responsibilities. Once it was clear that they could not verify that the account/loan in question was mine, they stated that they needed a police report and an ID theft report. Once receiving the requested reports, they then attempted to ignore their response and try to state that this was not the information they requested and that they were not obligated to remove the information. They are absolutely required to remove all information. This is a continued illegal tactic by an unethical debt collector who purchased a debt they can not verify and tries to collect an amount not owed. The XXXX address they are referring to does not belong to my XXXX, nor is it anywhere near the region I live in. This is absolutely illegal, and they seem to need this to move to litigation I need this to be removed from Trans Union report and all records blocked and deleted.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is violation of code 5 U.S.C. 552a ( b ) my information has been given out without my consent please remove immediately.

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 2025-04-29 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: NC

Complaint narrative:
Subject : Inaccurate and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC TransUnion , LLC Experian Information Solutions , Inc . 

Product : Credit Reporting Sub-product : Credit report Issue : Incorrect information on credit report Sub-issue : Inconsistent account details across credit bureaus Complaint Details : This complaint concerns the XXXX credit card account ( Account ending in XXXX ) appearing on all three of my credit reports. The reporting is materially inconsistent, and the errors reflect neglect or failure to follow the Fair Credit Reporting Act ( FCRA ) by all three credit bureaus and possibly the data furnisher ( XXXX ). 

Key Issues : Balance : All bureaus report a balance of {$1700.00}. 

XXXX XXXX : Equifax/TransUnion XXXX {$1700.00} ( 99 % utilization ) Experian : {$1000.00} ( 172 % utilization ) This is impossible and severely impacts my credit score. 

Worst Delinquency : Equifax : XXXX days past due TransUnion : XXXX days past due Experian : XXXX days delinquent These discrepancies show an egregious lack of consistency in the reporting of derogatory credit data. They are not due to timing ; the same periods reflect materially different derogatory statuses. 

The account is closed, yet it remains highly derogatory and inaccurately reported across agencies, with no cohesive resolution. 

Violations : FCRA 1681e ( b ) The CRAs have failed to ensure maximum possible accuracy in credit reporting.

FCRA 1681i ( a ) If this account was previously disputed ( as were others ), the bureaus failed to correct or remove unverifiable/inaccurate information.

FCRA 1681s-2 ( b ) The furnisher ( XXXX ) may be continuing to furnish inconsistent or inaccurate data.

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 2025-04-29 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: WV

Complaint narrative:
Have requested many many times for Experian and Equifax to investigate and correct errored information. Have many times given them docs, screenshots and other forms of contributing data. Have been hung up on by both companies customer service people, and ignored. It has resulted in suffering and hardship by their failures. Yet still i am getting XXXX on by the flawed fico equation that the credit agencies use. I paid off debts, have no real debt, increased my net worth to over XXXX XXXXXXXX. I have drastically improved my credit to debt ratio. Now my score is penalized because i dont carry much debt... the debt i carry has been by choice trying to improve my score. Yet Equifax and Experian continue to reduce my score and continual harm to me and my family

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 2025-04-29 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: WY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XX/XX/XXXX ss # XXXX and live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am filling this complaint because the following account is reporting as collection/charge off on my credit report la : XXXX XXXX XXXX account number XXXX with a balance of {$1400.00} is reporting as collection/charge off on Experian TransUnion and Equifax and I have disputed this account 4times with each bureau and asked them to delete it because I used this card to pay my medical bills and for medication.i was diagnosed with XXXX XXXX XXXX  in XXXX of XXXX and had to use this card to pay medical bills.i am aware that medical expenses and bills are not supposed to be reported on my credit profile.please delete this account from Experian TransUnion and Equifax as soon as possible because I am trying to buy a car to get back and fourth to XXXX and this negative account is stopping me from obtaining new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian Equifax XXXX XXXXXXXX XX/XX/year> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: TX

Complaint narrative:
FROST are charging an extremely high and unjustified amount, debit not owned. Incorrect Did not use my insurance cards over the years and is now charging an absurd and unacceptable amount. They refuse to correct the charges and are now coming after me with collection calls. They failed to apply my international student insurance for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX XX/XX/2025 To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Portfolio Recovery Associates : Unverified Debt Reporting and Harassing Phone Calls Dear CFPB Representative, I am submitting a formal complaint against Portfolio Recovery Associates, located in XXXX, VA XXXX, for unlawful debt collection practices, including the reporting of an unverified debt to Experian and persistent, harassing phone calls, in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). 
Portfolio Recovery Associates is reporting a collection account to my credit report. I do not recognize this account, nor have I ever entered into a contract or agreement with this company. I formally requested validation of this debt under FDCPA 809 ( 15 U.S.C.

1692g ), and they have failed to provide any original documentation proving I owe this alleged debt or that they have a legal right to collect and report it. 

Additional Violation Harassing Phone Calls : Portfolio Recovery Associates has also engaged in repeated and unwanted phone calls attempting to collect on this alleged debt. These calls are frequent, unsolicited, and continue despite a verbal request to cease communication. Their actions constitute : A violation of FDCPA 806 ( 15 U.S.C. 1692d ), which prohibits conduct intended to harass, oppress, or abuse A violation of TCPA ( 47 U.S.C. 227 ), which restricts the use of automated systems to call consumers without express consent A violation of FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ), which gives consumers the right to request debt collectors cease further contact.

These aggressive and intrusive tactics are unacceptable and must be addressed.

I appreciate your assistance in putting a stop to this abusive and unlawful behavior. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: OK

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 2025-04-29 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: CA

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach after reviewing my credit reports I noticed some accounts I am unfamiliar with have asked CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the info I am not familiar with. 



Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data base and a Validationof debt letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

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 response to consumer: Closed with explanation