vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I went to XXXX XXXX on XX/XX/XXXX, because I had a very XXXX XXXX which needed to be taken out. The dentist examined me and then gave me a complete plan to work on my teeth. I told the dentist that I didn't have a lot of money to pay for an expensive dental work on my mouth and that is the reason I have not been to the dentist in a few years, and the only reason I came today was due to my tooth needed to be pulled out. The dentist told me that I can talk with the financial person and we can work out something for now and talk about where we would go after we get started today and I agreed to talk to the financial person. I was told that I could fill out an application for a XXXX XXXX XXXX for payment on that day and we will work on the next phase after that. I agreed and applied for the XXXX XXXX XXXX and was approved for a {$3000.00} credit limit. I did not see any estimated total amount of payment at anytime during my consultation with anyone on my initial visit, I only signed for a credit card and for permission to work on my teeth. If I had known I would be charge an estimated $ {$11000.00} after maxing a credit card of {$3000.00} and my insurance paying {$4100.00} and having another {$4400.00} balance after my treatment, I would have got up and left the office immediately. That credit limit was maxed out on that day. I had follow-up visits on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by the dentist to come back for my XXXX XXXX in XX/XX/XXXX. To my surprise and shock, I started getting bills with all different amounts due. I got a bill with statement date XX/XX/XXXX for {$340.00}, XX/XX/XXXX for {$340.00}, XX/XX/XXXX for {$130.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$1400.00}, and when I went to my first appointment in XXXX I was told I had to pay {$840.00} before I could see the dentist. I didn't have that amount of money so I left. My next visit in a couple weeks I was told I had to {$1600.00} before I saw the dentist so I left again. The next time I came for an appointment I was told I had to {$4400.00}. I was not informed that I would be charged the total of {$11000.00} plus for my treatment and I didn't sign for it. They have my signature on a payment plan ostensibly  showing my signature on a plan but I never saw an estimated amount of {$11000.00} treatment to my teeth. Now my temporary partials are not only painful to eat with but painful to just put in my mouth, and I have to try and find somewhere else to treat this pain while I am being charged this adsorbent amount of money I had no idea of during my initial visit to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-05 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding XXXX handling of a charged-off account ( Account No. XXXX ). This account reflects a charge-off amount of {$19000.00}, which has been reported as income to the IRS, according to IRS Publication 4681. However, XXXX has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected. 

XXXX asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, XXXX is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards.

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 2025-09-05 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:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding XXXX handling of a charged-off account ( Account No. XXXX ). This account reflects a charge-off amount of {$19000.00}, which has been reported as income to the IRS, according to IRS Publication 4681. However, XXXX has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected. 

XXXX asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, XXXX is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX 
XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Re : Cease and Desist Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease and desist all collection activities and communications related to the above-referenced account. 

This account is not mine. I do not have any knowledge of or connection to this account, and I dispute any association with it. Therefore, you are to immediately stop all attempts to contact me regarding this matter. This includes phone calls, letters, emails, or any other form of communication. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me regarding a debt I do not owe. Furthermore, continuing to pursue collection on an account that does not belong to me may constitute a violation of the FDCPA and other applicable laws. 

If you believe this account is legitimately associated with my name, you are required to provide proper written validation of the debt, including detailed documentation proving ownership and responsibility. 

Otherwise, I expect immediate written confirmation that this account has been closed or removed from your system under my name and that you will cease any further contact regarding this matter. 

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

Sincerely, XXXX XXXX Signature : _______________________________ Date : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I visited the XXXX for a check up after feeling unwell and had a XXXX XXXX on the first day and the XXXX  called again the second day, created a panic situation and requested that I start heading to the XXXX Upon getting there, they took a second XXXX XXXX and offered XXXX which I declined. Although I started paying part of the bill because I assumed I had an out of pocket only to later realize my insurance covered for the first one. The hospital took a second draw without informing me it would be my responsibility. 

I am concerned this is affecting my employment prospects

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding XXXX handling of a charged-off account ( Account No. XXXX ). This account reflects a charge-off amount of {$19000.00}, which has been reported as income to the IRS, according to IRS Publication 4681. However, XXXX has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected. 

XXXX asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, XXXX is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards.

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 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Re : Request for Information - Account # XXXX Account # XXXX Account # XXXX ( XXXX XXXX XXXX ) To whom it may concern, I am writing regarding the above referenced accounts, which is reported on my credit file as charged off/ written off. 

I am requesting clarification regarding whether a 1099-c ( Cancellation of Debt ) has been reported to Experian for these accounts. If such record exists, please provide me with the confirmation and any available details regarding the date of issuance. 

If no such record exists, please confirm that Experian has not received a 1099-C filing for these accounts with XXXX XXXX XXXX XXXX XXXX 

I am entitled to accurate and complete information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please send your response in writing to the address above. 

Thank you for your cooperation, Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX SSN # 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 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NY

Complaint narrative:
On XX/XX/scrub> 2025, I opened XXXX XXXX Account No. XXXX. I cancelled the service three days later, on XX/XX/year>2025, and returned all equipment. At cancellation, a XXXX supervisor waived the monthly internet fee but told me I owed a {$100.00} installation fee. XXXX immediately closed the account without ever providing billing access or my full account number, so I was unable to pay despite repeated attempts by phone and online. Representatives gave me misinformation, my Fios account was mistaken for my XXXX account, and my verification attempts failed. I did not receive my full account number until XXXX XXXX, 2025, long after XXXX had reported the {$100.00} balance to collections on XX/XX/scrub> 2025. This report lowered my XXXX  FICO score to XXXX and added a derogatory mark of serious delinquency, harming my credit. I am willing to pay the {$100.00} balance, but I seek removal of the derogatory mark because I was never given a fair opportunity to pay. Please see the attached complaint and Exhibits AH for full documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
On or about XX/XX/year>, at XXXX EST a payment was made to XXXXXX/XX/XXXXto pay off the mortgage in question in full. The payment was made in a timely manner, however, in retaliation to my choice not to refi with XXXX, XXXX, XXXX, the serving agent for XXXX reported my mortgage more than 30 days late. 

XXXXXX/XX/XXXXconfirmed receipt of funds on or before XX/XX/year> at XXXXXX/XX/XXXXEST. 

As of the date of this complaint, XXXXXX/XX/XXXXrefuses to acknowldge their mistake or take action to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On or about XX/XX/year>, at XXXX EST a payment was made to XXXXXXXX XXXX XXXX to pay off the mortgage in question in full. The payment was made in a timely manner, however, in retaliation to my choice not to refi with XXXX, XXXX, XXXX, the serving agent for XXXX reported my mortgage more than 30 days late. 

XXXXXXXX XXXX XXXX confirmed receipt of funds on or before XX/XX/year> at XXXXXXXX XXXX EST. 

As of the date of this complaint, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  refuses to acknowldge their mistake or take action to correct their mistake.

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 2025-09-05 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: Automated Collection Services, Inc.
State: KY

Complaint narrative:
I NEVER GAVE ANY IF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION NOR DID I GIVE CONSENT FOR THEM TO ADD ANYTHING ON MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON MY CREDIT REPORTS MUST RECIEVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. BASED UPON THE LAWS THAT I HAVE POINTED OUT IT IS VER EVIDENT THAT THE CREDIT REPORTING AGENCIES VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT RECTIFY THESE ERRORS I WILL SEEK LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I demand the immediate deletion of the fraudulent accounts currently reported in my credit file. These accounts were never authorized, opened, or acknowledged by me, and their presence constitutes both identity theft and reporting error. This inaccurate reporting is unlawful, damaging, and a direct violation of my right to an accurate credit history.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XX/XX/year>2025, I contacted XXXX to cancel my {$670.00} order immediately after it was placed. Despite this, on XX/XX/year>2025 they created a shipping label and refused to honor my cancellation, falsely claiming no returns. 

I filed a dispute with SoFi on XX/XX/XXXX when the merchant refused cancellation. XXXX shipped the order after I had already disputed the charge. When the package arrived, the cold chain was broken, making the medication unsafe and unusable. I documented this with 9 photos and have preserved the package. 

SoFi initially issued provisional credit during the dispute. However, they reversed it and allowed the {$670.00} charge to post, leaving my account negative. I submitted additional documentation ( photos and conversation proof ) and SoFi has placed the case into appeal as of XX/XX/scrub> 2025. 



Timeline of Events : XX/XX/year>2025 Cancelled order with XXXX immediately after purchase. 
XX/XX/year>2025 XXXX created shipping label despite cancellation. 
XX/XX/year>2025 Filed dispute with SoFi. 
XXXX XXXX, 2025 XXXX shipped order after dispute was filed. 
Delivery ( XXXX  XX/XX/year>2025 ) Medication arrived with cold chain broken; unsafe/unusable ( documented with photos ). 
XX/XX/scrub> 2025 SoFi issued provisional credit. 
Late XX/XX/scrub> 2025 SoFi reversed provisional credit, allowing charge to post ; account went negative. 
XX/XX/scrub> 2025 Submitted 9 photos + conversation proof ; case moved to appeal. 
As of XX/XX/scrub> 2025 Account is negative ~ {$200.00} solely due to this charge. 



Harm : I have no access to funds because SoFi reversed provisional credit during investigation. 
My account is negative solely due to this improper charge. 
This has caused direct financial hardship.

Company response to consumer: Closed with explanation