vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: CA

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 2025-05-13 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: CA

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 non-monetary relief
Consumer complaint received 2025-05-13 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:
On XX/XX/XXXX I have become a victim of identity theft. Accounts have been opened without my knowledge and are currently damaging my reputation and making me feel devastated, not only emotionally, but also financially. It is clear that I have been the target of a fraud that has damaged my credit history and jeopardized my financial stability. I urge you to immediately BLOCK and DELETE all fraudulent accounts related to this identity theft, including the following unauthorized accounts AFFIRM XXXX Unsecured Loan - opened on XXXX XXXX credit card - opened on XXXX XXXX  XXXX XXXX Account # : XXXX - opened on XXXX XXXX  XXXX XXXX Account # : XXXX - opened on XXXX XXXX  XXXX XXXX Account # : XXXX - opened on XXXX Additionally, I request the removal of the following unauthorized credit inquiries that were also part of this fraud in which I had absolutely no involvement. : XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX  Inquiried on XX/XX/XXXX XXXX XXXX I Inquiried on XX/XX/XXXX XXXX  Inquiried on XX/XX/XXXX XXXX XXXX Inquiried on XX/XX/XXXX XXXX  XXXX  Inquiried on XX/XX/XXXX XXXX XXXX  Inquiried on XX/XX/XXXX XXXX XXXX  Inquiried on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: CO

Complaint narrative:
Please provide the balance sheet that reflects the XXXX was credited to account the balance is still showing XXXX my client immediately vacated the premises after the XXXXwas paid and the balance does not show that There has been a lien placed on the property @ XXXX a month as long as you guys willing AND willfully furnish false information b If this. Issue is not in the remediation phase by XX/XX/year> I will forclose. On this property and any PERSONS involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AR

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 2025-05-13 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: GA

Complaint narrative:
I am filing this complaint because Experian violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I submitted a written dispute to Experian on XX/XX/year> regarding inaccurate information on my credit report XXXX XXXX XXXX. Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable investigation and respond within 30 days of receiving a consumers dispute.

Experian failed to meet this obligation. They did not complete their investigation or provide me with the results of their investigation within the 30-day period as mandated by law. The FCRA is very clear that if information in a consumers credit report is disputed, the credit reporting agency must investigate and report the results back to the consumer within 30 days ( with a limited extension to 45 days only if the consumer supplies additional information during the 30 days, which I did not ).

By exceeding the 30-day timeframe, Experian violated my rights under the FCRA. Their delay caused me undue stress and potential harm to my financial standing. I respectfully request that the CFPB investigate Experians failure to comply with FCRA guidelines, hold them accountable for this violation, and require them to take corrective action to ensure timely responses to consumer disputes in the future.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I opened a credit card with XXXX  XXXX bank in XXXX. At some point the loan was sold to XXXX. 
I have asked for Debt Validation Letter which i send certified letter. I have also contacted them via phone all this was when they bought my file. Which was approx XXXX? I never recieved any letter from them showing any information that they owned the debt or had any right to collect debt. I also called and disputed this fact along with the amount of the debt. They very rude and threating on the phone. I did dispute on all 3 credit reports. Only 1 credit report now shows this account in collections and being disputed. On XX/XX/XXXX XXXX sold this debt to XXXX. I disputed with XXXX with both a certified letter and online. After filing with CFPB XXXX stated they were unable to collect and sent this debt back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Block, Inc.
State: NY

Complaint narrative:
I used my cash app card to make a purchase in XXXX and there was card glitch with the reader the transaction cancelled but cash app completed the purchase and has denied over XXXX of my disputes saying XXXX got the money and XXXX claims they didnt. Mind you this transaction was made like to the XXXX XXXX mall. Cash is just robbing me for {$470.00} and not trying to give it back with no real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
As of XX/XX/year> medical debt is prohibited from being reported individual credit report. I have disputed to equifax and XXXX  the reporting of two medical debts from XXXX XXXX XXXX These are XXXX separate medical bills in the amount of XXXX each. 
Not only are they refusing to remove the debt from my credit report and in violation the ruling of medical debt prohibited from being reported. They also, prior refused to provide verification that they have authorization to collect the debt and proof that I have signed and actually owe the debt. I appealed several times, they reported it was verified but did not provide any documents that they used to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: RI

Complaint narrative:
In the previous questions, I tried to select the answers that closely related to my situation. However, my situation is a bit different than what I selected. My son had a XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXXXXXX. At the time, he had XXXX forms of health insurance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I received the XXXX  from the insurances over the following XXXX to XXXX months, which were clearly labeled, " THIS IS NOT A BILL. '' I never received any bill from RXXXX XXXX XXXXXXXX. Just recently, I was out of state for a little over XXXX weeks at the end of XXXX into XXXX, when I returned, I had XXXX notices from Frost-Arnett XXXX XXXX debt collection agency ). XXXX notice stated I had until XX/XX/XXXX to dispute ( I had not received the notice until after this point ) and the following notice was on XX/XX/XXXX which said I did not dispute it, so it was owed it full. I contacted the consumer resource for " no surprise billing '' and they advised I file a complaint, which I have done. In the interim, they also recommended that I file a complaint here regarding the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Ive disputed with all XXXX credit bureaus about XXXX accounts that arent mine and they keep sending me a notice saying debt is valid. These are the companies, XXXX XXXX and southwest credit systems, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my payment to this complaint on the following dates ( XXXX XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent In Dispute Letters to Experian XXXX  and XXXX to show proof that the debt that was said to be verified belonged to me and I did not receive any documentation or a debt Validation letter proving that this debt indeed belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I paid this debt in full, as confirmed by a letter from XXXX XXXX XXXX XXXX dated XX/XX/year> ( attached ). Despite providing this to Experian in a formal dispute, the credit bureau failed to update the balance or payment status. XXXX XXXX  continues to report a balance of {$5200.00}, which is false and damaging to my credit profile. This is a violation of the Fair Credit Reporting Act ( FCRA ), as creditors are required to report accurate and current information. I request that the credit report be updated to reflect a {$0.00} balance and the paid status.

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 2025-05-13 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 16081 e ( b ) Accuracy of credit whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverified information in general, if after any re-investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information has appropriate based on the results of the re-investigation, 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. Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation