vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Without any notification, a third party deck collector purchased my debt and the amount of XXXX XXXX dollars from what I believe to be a hospital. According to the consumer financial protection bureau 's new role as of XXXX XXXX  of XXXX XXXX XXXX, the no more medical surprise bill went into effect. I quoted and specifically copy and pasted the exact rule and information. And disputed this on my XXXX XXXX, and experient accounts as well as XXXX, i received confirmation that there would be no action taken and that the XXXX XXXX dollar surprise medical bill would remain on my account. This significantly and dramatically lowered my score. 

According to CFPB own roles, this should not be showing up on any of my credit report as it is a medical bill i was unable to make arrangements prior to this popping, up and dropping my credit score between XXXX and XXXX points. This greatly reduces my ability to make financial Steps towards refinancing my personal debt with a lower rate. 

I ask kindly if you would. Please investigate and update the credit bureaus. As to the rules, according to surprise, medical bills, appearing on people 's credit reports.

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Without any notification, a third party deck collector purchased my debt and the amount of XXXX XXXX dollars from what I believe to be a hospital. According to the consumer financial protection bureau 's new role as of XXXX XXXX  of XXXX XXXX XXXX, the no more medical surprise bill went into effect. I quoted and specifically copy and pasted the exact rule and information. And disputed this on my XXXX XXXX, and XXXX  accounts as well as transunion, i received confirmation that there would be no action taken and that the XXXX XXXX dollar surprise medical bill would remain on my account. This significantly and dramatically lowered my score. 

According to CFPB own roles, this should not be showing up on any of my credit report as it is a medical bill i was unable to make arrangements prior to this popping, up and dropping my credit score between XXXX and XXXX points. This greatly reduces my ability to make financial Steps towards refinancing my personal debt with a lower rate. 

I ask kindly if you would. Please investigate and update the credit bureaus. As to the rules, according to surprise, medical bills, appearing on people 's credit reports.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Rent Bureau has wrong address on my credit report. I want it to be removed 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 2025-06-10 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX * Balance : {$770.00}

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 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX separate credit cards were opened without my consent within a months span. 
First, a Target credit card was opened on XX/XX/year>. The card was charged for {$200.00}. I contacted Target as soon as I saw the credit cards opened under my account. I believe this is still under investigation and is in dispute. XXXX was a XXXX XXXX credit card opened sometime mid XX/XX/year>. XXXX XXXX completed their investigation of the fraud claim and determined that I was not responsible for this account. There was nothing charged under the account which I also find strange. When I realized both credit cards were opened under my account, I contacted XXXX  immediately and talked to an automated service for a dispute and credit monitoring/alerts. The next day during business hours I called both companies to file a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ava Finance, Inc
State: TX

Complaint narrative:
My {$2500.00} credit limit is not showing on my transunion also they are not reporting my good payment history every XXXX  days to all XXXX bureaus it says that my credit limit is XXXX and that is false. They are in violation and they should do what they are saying they will do report properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act. A repossession account reported by XXXX XXXX XXXX is still being reported after 7 years from the original date of first delinquency, in violation of FCRA 605 ( a ) ( 4 ). After disputing it, the furnisher updated the balance and date, which appears to be an illegal attempt to re-age the account, a violation of FCRA 605 ( c ). I am requesting immediate removal of this account and a full investigation into this practice. 

I NEVER PAID {$1300.00} on XX/XX/year>, XXXX XXXX is doing whatever they can to keep this on my credit profile by lying and changing the dates and amounts every time I ask for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act. A repossession account reported by XXXX XXXX XXXX is still being reported after 7 years from the original date of first delinquency, in violation of FCRA 605 ( a ) ( 4 ). After disputing it, the furnisher updated the balance and date, which appears to be an illegal attempt to re-age the account, a violation of FCRA 605 ( c ). I am requesting immediate removal of this account and a full investigation into this practice. 

I NEVER PAID {$1300.00} on XX/XX/year>, XXXX XXXX is doing whatever they can to keep this on my credit profile by lying and changing the dates and amounts every time I ask for verification.

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 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Radius Global Solutions LLC for an alleged T-Mobile debt of {$550.00}. I do not believe this debt is valid. I contacted the collection agency on XX/XX/year> and requested an itemized bill or proof of the debt. The representative admitted they were unable to provide documentation validating the debt. 

Following this, I sent a written debt validation request via certified mail on XX/XX/year>, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, I have not received a proper response or sufficient documentation validating the debt.

Despite this, the collection agency continues to report this unverifiable debt to the credit reporting agencies, negatively impacting my credit score. This is a violation of the FDCPA, as well as the Fair Credit Reporting Act ( FCRA ), which requires only accurate and verified information be reported. 

I am requesting that the CFPB investigate this matter and compel the collection agency to either validate the debt with proper documentation or delete it from all consumer reporting agencies.

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 2025-06-10 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: Experian Information Solutions Inc.
State: NY

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 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 2025-06-10 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/year> ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/year>. 
Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Request for Immediate Deletion of Inaccurate Personal Information from My Credit File Dear [ TransUnion/Experian/Equifax ] , I am writing to formally dispute and request the immediate deletion of incorrect personal information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to maintain only accurate and verifiable information in a consumers credit file.

The only accurate personal information that should appear on my credit report is : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX However, my credit report contains several inaccurate aliases and outdated or incorrect addresses. Please REMOVE the following erroneous names and addresses from my file immediately : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information is not associated with me and may negatively impact my creditworthiness. Please conduct the necessary investigation and confirm the removal of these items from my credit report. I request written confirmation once the deletions have been made. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-06-10 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 recently viewed my consumer report and noticed several Unauthorized Inquiries, Wrong addresses being reported. Inaccurate, Duplicate and Triple reporting of the same account. Inaccurate addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INACCURATE ACCOUNTS : XXXX XXXX ACCT # XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX, ( XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX ( XXXX XXXX XXXX  ) XXXX XXXX ACCT # XXXX ( XXXX  ) XXXX XXXX XXXX  ACCT # XXXX ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX, ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX  XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX ( XXXX XXXX ) XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX LLC ACCT # 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 2025-06-10 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:
I recently viewed my consumer report and noticed several Unauthorized Inquiries, Wrong addresses being reported. Inaccurate, Duplicate and Triple reporting of the same account. Inaccurate addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INACCURATE ACCOUNTS : XXXX XXXX ACCT # XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX, ( XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX ( XXXX XXXX XXXX  ) XXXX XXXX ACCT # XXXX ( XXXX  ) XXXX XXXX XXXX  ACCT # XXXX ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX, ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX  XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX ( XXXX XXXX ) XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX LLC ACCT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: DISCOVER BANK
State: IL

Complaint narrative:
NEW CFPB COMPLAINT NARRATIVE XXXX mishandling of my Discover Financial Services dispute ( existing issue ) Prior CFPB case number : XXXX ( Discover Financial Services ) Related XXXX dispute filed : XX/XX/XXXX ( XXXX  closed XX/XX/XXXX with explanation ) What happened I disputed the Discover Card tradeline ( acct ending XXXX ) on my XXXX credit report because I have no contractual relationship with Discover ( see prior CFPB case against Discover ). 
XXXX claimed on XX/XX/XXXX that Discover verified the account, but XXXX did not give me any documentary proofno signed application, no wet-ink note, no XXXX XXXX XXXX. 
The only proof is Discovers conclusory XXXX code. XXXX has refused to delete or suppress the tradeline. 
My FTC Identity-Theft Affidavit ( attached ) indicates the account is fraudulent. Under FCRA 605B XXXX must block identity-theft items within 4 business days. That did not happen. 
Because the Discover tradeline remains, I have been denied a credit card and a business line of credit ( denial letters attached ). 

Why XXXX  response violates the FCRA | FCRA section | Violation | | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | 605B | Failure to block the disputed identity-theft Discover tradeline within four days. | | 611 ( a ) | No reasonable reinvestigation ; XXXX  relied solely on Discovers canned response. | | 611 ( a ) ( 6 ) ( B ) ( iii ) | Did not provide the method of verification or Discover contact information. | | 607 ( b ) | Failed to assure maximum possible accuracy before re-reporting the account. | Case law : Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) CRA must independently investigate, not simply parrot the furnisher ; Dennis v. BEH-1, 520 F.3d 1066 ( 9th Cir. 2008 ) * continuing to report unverified tradeline is willful non-compliance. 

Harm suffered * Credit card denial ( XX/XX/XXXX ) and business LOC denial ( XX/XX/XXXX ). 
* Lost financing opportunities \ {$5000.00} and reputational damage. 
* Emotional distress from repeated rejections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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