vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account XXXX Date opened XXXX XXXX balance {$6500.00}. 
XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$660.00}. 
XXXX XXXX XXXXXXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$1100.00}. 
XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account XXXX Date opened XXXX XXXX balance {$6500.00}. 
Portfolio Recovery Services Account XXXX Date Opened XXXX XXXX balance {$660.00}. 
XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$1100.00}. 
XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MN

Complaint narrative:
XXXX XXXXXXXX Dear Consumer Financial Protection Bureau , I am submitting a formal dispute regarding inaccurate reporting on my credit file by XXXX  ( account ending in XXXX ). Upon reviewing my credit report, I found several more inaccuracies especially in regard to the payment history. The reported payment terms state : {$0.00} per month, paid monthly for XXXX  months. This is inconsistent with the nature of an installment account and does not accurately reflect the original agreement. If payments were expected or recorded, the terms should specify the correct monthly obligation rather than stating {$0.00} per month, which is misleading and incomplete. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies and furnishers are required to ensure maximum possible accuracy in consumer reports. The reporting of this account with inaccurate and incomplete terms does not meet this legal standard. 
I expect this matter to be investigated and corrected promptly. Please confirm receipt of this dispute and provide an update on the resolution process.

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 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I got a derogatory hit to my credit for {$2000.00} from a company named TEK Collect. My information was sold to them by XXXX XXXX XXXX who went bankrupt and out of business at the end of XXXX My services from XXXX XXXX XXXX were never fully fulfilled by them and once they went bankrupt and went out of business, they still expected payment every month for an incomplete service. XXXX XXXX XXXX has no direct line of contact and has not had a customer service line since XXXX in order for me or their customers to contact them. There have been multiple articles posted and class action lawsuits about the company and refunds that are owed to their customers. This derogatory hit to my credit needs to be removed immediately. I have had a perfect credit score up until this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
CFPB Complaint : XXXX XXXX Comenity Bank Failed to Fix Disputed Errors Request for Removal XXXX. What is this complaint about? 
Credit reporting issues Failure to fix errors after dispute & failure to mark the account as disputed** XXXX Who is responsible? 
XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank ( Creditor/Furnisher ) XXXX. What happened? 

I disputed inaccurate and outdated information on my credit report with XXXX and Comenity Bank, but they **failed to correct or remove the errors. They also violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to mark the account as disputed** during the investigation process. Since they did not properly verify the accuracy of this information, I am requesting the immediate removal of this account from my credit file.

The errors that remain on my credit report despite my dispute : - Creditor : Comenity BankXXXX XXXX Account Status : ** Still shows **Sold ; was Charged-off** even after my dispute - Payment History : Incorrectly reports XXXX days late** ( XX/XX/XXXX - XX/XX/XXXX ) - High Balance & Credit Limit : ** Incorrectly listed as {$370.00} balance / {$100.00} credit limit - Estimated Removal Date : Still shows XX/XX/XXXX, which should be corrected, - Failure to Mark Account as Disputed : ** Both XXXX and Comenity Bank failed to mark this account as disputed during the investigation, which is a clear violation of FCRA 611 ( a ) ( 3 ) & 623 ( a ) ( 3 ) Because this information is inaccurate, unverifiable, and was not properly investigated, it must be deleted from my credit file per FCRA 611 ( a ) ( 5 ) ( A ). 


XXXX. How XXXX XXXX Comenity Bank Violated the FCRA XXXX XXXX Credit Bureau ) Violations - FCRA 611 ( 15 U.S.C. 1681i ) Failed to conduct a proper reinvestigation and continued reporting inaccurate information.

- FCRA 611 ( a ) ( 3 ) Did not mark the account as " disputed '' after receiving my dispute.

Comenity Bank ( Creditor/Furnisher ) Violations - FCRA 623 ( 15 U.S.C. 1681s-2 ) Failed to properly investigate my dispute.

- FCRA 623 ( a ) ( 3 ) ** Did not report the account as " disputed '' to the credit bureaus as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) by continuing to contact me after receiving my cease and desist request. 
I sent XXXX XXXX XXXX a written cease and desist letter via certified mail with return receipt, instructing them to stop all phone communications with me regarding an alleged debt. 
Despite receiving my request, they continue to call me. 
I have documented these repeated calls and believe XXXX XXXX XXXX is engaging in harassing and unlawful debt collection practices.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> I noticed when attempting to move XXXX  from my Robinhood account to my XXXX XXXX I did not have the option. My XXXX  account has been restricted and it is not allowing me to send nor receive XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-21 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TN

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-21 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: NC

Complaint narrative:
XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Dear CFPB, I am writing to formally file a complaint against Equifax Information Services LLC for failing to adhere to its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Credit Repair Organizations Act ( CROA ). 

Over the past several months, I have submitted five rounds of written dispute letters ( XX/XX/XXXX XX/XX/XXXX ) to Equifax requesting the validation, correction, or deletion of several accounts that I believe to be inaccurate, unverifiable, or incorrectly reported. 

Despite repeated efforts, Equifax has failed to : Conduct a reasonable reinvestigation under FCRA 611 Validate debts per FDCPA 809, including supplying proof of ownership or signed contractual agreements Remove or correct inaccurate and unverifiable accounts Respond within the required statutory timelines Disputed Accounts That Remain on File XXXX XXXX XXXX XXXX  Account # : XXXX No contract or ownership proof provided after multiple disputes. 

XXXX XXXX XXXX Account # : XXXX Late payments reported, despite repeated requests for correction or proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX/ XXXX  XXXX XXXX XXXX Collection accounts showing on my credit file with no verified link to me. 

DEPT OF EDUCATION / XXXX  Account # : XXXX Reported inaccurately with a late status despite no confirmed delay. 

XXXX XXXX XXXX Account # : XXXX Appears without court documentation or reporting authorization. 

XXXX XXXX XXXX  Account # : XXXX Still shows a negative balance + charge-off without validation of balance accuracy. 

XXXX XXXX XXXX XXXX Account # : XXXX Charged-off account still showing balance. Verification not provided. 

XXXX XXXX XXXX Account # : XXXX " Written off '' yet displaying a balance. Multiple requests for validation ignored. 

XXXX XXXX XXXX  Account # : XXXX No documentation linking me to this debt. Disputed multiple times with no resolution. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX No contracts, no validation, yet still present on report. 

Hard Inquiries ( 2+ Years Old ) Still Unremoved : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Despite being well beyond the standard inquiry window, these remain on file and continue to damage my score. Equifax has failed to act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
I recently sent {$2000.00} to my brother in XXXX through Remitly. At the time of the transfer, I believed his account was still active. However, he later discovered that his account had been deactivated due to insufficient funds. His bank has confirmed that the account no longer exists and can not receive the transfer.

Despite this, Remitly initially stated that the money was successfully delivered. When I followed up, I was given conflicting informationfirst that the funds were delivered, then that they were received, and now that the transfer is on hold. My brothers bank has no record of receiving the funds, and we are stuck in a frustrating cycle without a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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, 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-21 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: FL

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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX 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 2025-03-21 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: DC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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