vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. XXXX also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. : XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of medical debt on my credit report. After reviewing my credit file, I noticed that the following debt ( XXXX ) have been reported in violation of federal consumer protection laws. 

TransUnion Account : XXXX XXXX Amount : $ {$3100.00} Medical Debt As outlined under the Consumer Financial Protection Bureau XXXX CFPB ), Regulation V, XXXX XXXX XXXX Creditors and Consumer Reporting Agencies Concerning Medical Information Rule ( the Medical Debt Rule ), these debt ( XXXX ) must be removed. 
This regulation prohibits the inclusion of certain medical debt on consumer reports and strengthens protections for individuals affected by delayed or disputed medical billing. 
The inclusion of this medical debt has caused unnecessary harm to my credit standing, despite recent federal guidelines specifically designed to prevent such impactsparticularly for debts that may be inaccurate, unverifiable, or currently in dispute with healthcare providers or insurers. 

I respectfully request that you : Immediately investigate and verify the legitimacy and reporting eligibility of the listed medical debt ( XXXX ). 

Remove any debt that does not meet the criteria outlined in the Medical Debt Rule.

Provide written confirmation of the removal and an updated copy of my credit report. 

Please consider this request urgent and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). I have also attached supporting documentation for your review, if applicable. 

Thank you for your attention to this matter and for taking the necessary steps to ensure fair and accurate credit 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 2025-05-14 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: NC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing the {$190.00} collection account reported by CREDIT COLLECTION SERV on behalf of XXXX XXXX XXXX XXXX. I have never held any insurance policy with XXXX, and I did not authorize or open this account. I believe this is the result of identity theft. 

Upon discovering this fraudulent account, I contacted XXXX directly and submitted an identity theft report to them. XXXX confirmed receipt of my report. 

This collection account is inaccurate and fraudulent, and I request that it be immediately removed from my credit report. Additionally, I am demanding that CREDIT COLLECTION SERV cease all collection activities on this account under the Fair Debt Collection Practices Act ( FDCPA ), as this debt is not mine and was incurred fraudulently. 

I will be adding this to my police report with the XXXX and my FTC identity theft report. 

Amount in question : {$190.00} Date listed on report : XX/XX/year> Original creditor : XXXX XXXX XXXX XXXX XXXX taken : Reported identity theft to XXXX ; no resolution provided as of yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 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: PA

Complaint narrative:
Please hold this company accountable this is my second attempt. I am filing a law suit for this account number XXXX with XXXX XXXX. This company opened a account with my daughter me and my daughter have the same name. I attached the police report my lawyer had me file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please hold this company accountable this is my second attempt. I am filing a law suit for this account number XXXX with XXXX XXXX. This company opened a account with my daughter me and my daughter have the same name. I attached the police report my lawyer had me 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 non-monetary relief
Consumer complaint received 2025-05-14 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I have loans with Affirm Inc showing in my name I did not apply for or receive items from. I asked for proof I applied for these loans and tried to dispute them. They ask for an affidavit that I supplied XXXX  times and they never accepted. They then stated my up was used etc, but when I asked for proof I signed for these items they said they ended their investigation. My IP address is blocked so they would not be able to see that information. I have not used affirm since XX/XX/year> which was paid. No other loans should show in my name. I am in a litigation case for a data breach that does include my phone and account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thunderbird Collection Specialists, Inc.
State: TX

Complaint narrative:
XXXX collection XXXX XXXX has sent me XXXX letters in the mail as an attempt to collect debt. Since this is my XXXX  information. It is a violation of XXXX that my information was shared with this collection agency and my information such as my address is written on these letters, which is also illegal. Elements of care XXXX XXXX also now a closed practice as in the company no longer exist and the doctors are no longer practicing under elements of care XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a vitcim of identity theft. There are XXXX credit card accounts on my XXXX credit reporting agencies and XXXX inquiries which are listed on the report that i didnt give anyone permission or authorization to open these acocunts.

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 2025-05-14 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: MIDFIRST BANK
State: IN

Complaint narrative:
Request for Removal of Past Due Payments for Midland Mortgage Due to XXXX Illness I have a couple Past due payments reported on my credit report during the XXXX XXXX XXXX ( pandemic declared between XX/XX/XXXX and XX/XX/XXXX ). 

I understand that I'm protected under the CARES Act. 

I formally requested their consideration for the removal of late payments reported on my Credit Report ( for all three Bureaus ) due to an unforeseen and serious medical situation related to XXXX. 

In XX/XX/XXXX, I became seriously ill with XXXX, which required months of hospitalization the summer of XXXX and winter XXXX and left me unable to manage my financial responsibilities during that time. Due to my illness, I was physically and mentally unable to handle the usual tasks of paying bills and managing my mortgage payments. These past due payments were reported for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for which I was granted a forbearance plan until I was able to get back on track and continue paying my bills on time ever since.

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 2025-05-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CUSTOMERS BANCORP, INC
State: GA

Complaint narrative:
On Friday XX/XX/year> I received a letter from Customers Bank dated XX/XX/year> stating : " Customers Bank has determined that it is no longer able to maintain a deposit account relationship with you " To my surprise and astonishment, I have never done anything wrong, have never violated an agreement, nothing illegal to warrant this request. 

On Monday XX/XX/year> I had a recorded conversation with XXXX XXXX, Vice President, XXXX Banking XXXX. He basically stated that its either " no activity or too much activity '' that led to a letter being sent. 

This is outrageous since I absolutely NEVER violated any agreement or known policy with Customers Bank. If there was ever any issue, why would Customers Bank call, email, or mail a letter documenting what I did wrong. 

Simple, there was never anything this loyal customer did wrong! 

The recorded conversation will be withheld unless requested by various XXXX XXXX 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 explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$3.00}, XXXX written off. 

Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$870.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 

Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$380.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$3.00}, XXXX written off. 

Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$870.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 

Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$380.00} past due as of 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 non-monetary relief
Consumer complaint received 2025-05-14 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$3.00}, XXXX written off. 

Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$870.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$380.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: FL

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

Company response to consumer: Closed with explanation