vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I already disputed this account, yet it still appears on my credit report with inaccurate and incomplete details. XXXX now making a formal request for the description of your investigation process. You are required to provide this within XXXX days of receiving this notice. If you cant verify the information or fail to reply on time, you must remove the account. Please see the attached letter from my previous dispute for reference. I expect your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX. Misrepresentation of Network Status : - On XX/XX/XXXX, the providers office * * verified * * that they were in-network with my insurance before providing services. - After the visit, I received unexpected bills for {$550.00} and {$630.00} dated 3 months later claiming I was out-of-network. - Despite ongoing appeals ( since XX/XX/XXXX ), the issue remains unresolved. 
XXXX. Unjust Billing Practices : the provider failed to check network status for lab services, resulting in an additional {$660.00} bill from their XXXX. On XXXX XXXX, I received another bill ( {$270.00} ) for a XX/XX/XXXX XXXX months later again citing " out-of-network '' status. This is unfair and deceptive, as they confirmed coverage beforehand. 
3. Harassment & Lack of Resolution : I have been bombarded with emails, texts, and bills despite the appeals process.

The office refuses responsibility, blaming insurance, even though they misled me about network participation.

4. Pattern of Unethical Conduct : I previously filed a complaint against this provider for * * pressuring my daughter into unnecessary XXXX  visits * * to maximize billing. This demonstrates a consistent pattern of exploitative practices. 

I also contacted my insurance company again on XXXX XXXX. They decided they will retro back date to when it showed in network even though this was the doctor and hospital fault, they contacted to put account on hold for 45 days until they process it the XXXX XXXX XXXX XXXX reference number to verify is XXXX. Now while its still being processed by XXXX of IL, I received a notice via email ( XX/XX/XXXX ) they sent it to collections. 
This has been going on since XXXX of XXXX. I have several reference number m. 
I am a XXXX veteran please help me. 
This has taken an emotional toll on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : XXXX XXXX XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute unauthorized accounts reflected on my credit profile. I did not apply for, approve, or use these accounts. As such, I request their removal within 15 days under 15 U.S.C. 1681g. Supporting materials are included.

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 2025-06-14 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 am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information inquiry listed below, which appears on my Equifax credit report, does not relate to any inquires that I have ever made. It is the result of identity theft. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-13 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am a Victim of Identity Theft, I received a letter from Caine & Weiner collection agency. Account # XXXX Reference # XXXX. This is an official notice that I am a victim of Id Theft and I have provided you a copy of the FTC Federal Trade Commission Report to support my claim. Please delete and do not try to add this account I did not open or was opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On or about sometime in the end of XXXX XXXX of XXXX. I made a purchase and use affirm pay by monthly to pay for the item with pop on veneers. I have several other accounts open with affirm and never had a problem with receiving my items of purchase from any other merchant. Until I made this decision to make the purchase, I never received the start up kit to make the veneers, I checked with my neighbors, checked my mailbox and still no package from the company. I reported to affirm that I did not receive my item even though pop on veneers states that it was, fact of the molded kit for my teeth was sent to me I would have sent it in to the company to start the process in making my veneers. 
In this case I did not receive anything and from the time I report this action to affirm they did not respond back to me in over a week and within a few hours of initially responding the come back within a hour and say that XXXX still reliable for this debt even though according to their website that if you dont receive something that XXXX ordered then report it immediately and Ive XXXX just that and still no resolve. 
When everyone knows that packages goes out every day and every day someone on the receiving end never receives it for whatever the reason is and in my case this is exactly what has happened to me in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute a fraudulent account that appeared on my credit report. I did not open this account, I have no knowledge of it, and I never authorized it in any form. 

I am a victim of identity theft, and this account was opened without my consent. I have already filed an identity theft report with the FTC and notified the credit bureaus. 

Despite my efforts to resolve this, the fraudulent account still appears on my credit file. I am requesting the removal of this account from my credit report and a thorough investigation into how it was opened. 

Details of the fraudulent account : JPMCB CARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$54000.00} - Flexible spending credit card I have also contacted the creditor and asked for supporting documentation, including any applications or contracts allegedly signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2025-06-13 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate, derogatory, and unverified information currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is incorrect or unsubstantiated. 

Your failure to properly verify and validate data before reporting it to creditors is unacceptable. The negative and derogatory claims against me are false and lack factual basis. Your reporting fails to meet federal and state requirements, as well as Metro 2 compliance standards. Reporting unverifiable and inaccurate information is a direct violation of the FCRA.

I demand that you provide physical documentation to prove : The accuracy of any derogatory accounts listed The permissible purpose for any inquiries or accounts associated with my file Your compliance with FCRA procedures and Metro 2 formatting You have 30 days from the date of receipt of this letter to complete your investigation and provide proof. If you can not verify the accuracy and legality of the disputed items, you must DELETE them from my credit report immediately. 

Personal Information Being Disputed Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, NY XXXX This address is unverified and does not belong to me. I have never resided there. If you can not provide evidence that supports this addresss association with me, DELETE it from my file immediately. 

I expect written confirmation and a copy of my updated credit report reflecting all necessary corrections. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
b"Please remove the following items from my credit report:-\n\nADDRESSES:-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 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  had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-13 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: MD

Complaint narrative:
b"Please remove the following items from my credit report:-\n\nADDRESSES:-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 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  had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX SSN : XXXX Date : XX/XX/XXXX Identity Theft Block Request Under FCRA XXXX ( XXXX U.S.C. XXXX ) To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX To : Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX 


Dear XXXX XXXX XXXX XXXX, I am writing to file a formal identity theft dispute and request under FCRA XXXX that you block all fraudulent, inaccurate, and unauthorized information related to identity theft on my credit report. 

The following account was not opened or authorized by me and is the result of identity theft. 


Consumer Information Full Name : XXXX XXXX XXXX XXXX : Date of Birth : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Account XXXX Be Blocked XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account ) Account XXXX XXXX XXXXXXXX Status : XXXX XXXX  Settled for Less Remarks : Account previously in dispute, now resolved by furnisher This account was not opened by me, and I did not authorize its use. 


Unauthorized XXXX  Inquiries to Be Blocked The following XXXX inquiries were made without my knowledge or consent and must be blocked : XXXX XXXX XX/XX/XXXXXXXX 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  ( And other inquiries as identified in attached reports ) Enclosures FTC Identity Theft Report and Criminal Complaint # Copy of government-issued ID Proof of address List of unauthorized hard inquiries Relief Requested Under FCRA XXXX, I request that each credit reporting agency : Block the XXXX XXXX account listed above from my credit report Block all unauthorized XXXX inquiries listed in this letter. Complete this action within XXXX business days of receipt. Send written confirmation to my email address listed above These actions are required under federal law to protect consumers from the ongoing impact of identity theft. 


Thank you for your urgent attention to this matter. I expect your timely and lawful compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX SSN : XXXX Date : XX/XX/XXXX Identity Theft Block Request Under FCRA XXXX ( XXXX U.S.C. XXXX ) To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX To : Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX 


Dear XXXX XXXX XXXX XXXX, I am writing to file a formal identity theft dispute and request under FCRA XXXX that you block all fraudulent, inaccurate, and unauthorized information related to identity theft on my credit report. 

The following account was not opened or authorized by me and is the result of identity theft. 


Consumer Information Full Name : XXXX XXXX XXXX XXXX : Date of Birth : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Account XXXX Be Blocked XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account ) Account XXXX XXXX XXXXXXXX Status : XXXX XXXX  Settled for Less Remarks : Account previously in dispute, now resolved by furnisher This account was not opened by me, and I did not authorize its use. 


Unauthorized XXXX  Inquiries to Be Blocked The following XXXX inquiries were made without my knowledge or consent and must be blocked : XXXX XXXX XX/XX/XXXXXXXX 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  ( And other inquiries as identified in attached reports ) Enclosures FTC Identity Theft Report and Criminal Complaint # Copy of government-issued ID Proof of address List of unauthorized hard inquiries Relief Requested Under FCRA XXXX, I request that each credit reporting agency : Block the XXXX XXXX account listed above from my credit report Block all unauthorized XXXX inquiries listed in this letter. Complete this action within XXXX business days of receipt. Send written confirmation to my email address listed above These actions are required under federal law to protect consumers from the ongoing impact of identity theft. 


Thank you for your urgent attention to this matter. I expect your timely and lawful compliance. 

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 2025-06-13 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: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXXXXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation