vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call/credit report entry ] regarding a debt you claim I owe, referenced as XXXX  XXXX I formally dispute the validity of this debt and request that you provide proper documentation verifying that I am legally obligated to pay it. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the alleged debt. Please provide the following information : The name and address of the original creditor ; The amount of the alleged debt, including a breakdown of fees, interest, and principal ; A copy of the original agreement bearing my signature or other evidence showing I am legally responsible ; The chain of title/ownership showing that you have the legal right to collect this debt ; A copy of any judgment, if applicable. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), if you have reported this charge-off to any credit bureaus, you are required to note that this account is disputed until it is verified. 

If you can not provide the requested information, you must cease collection efforts and remove any related listings from my credit reports. 

Please respond within 30 days of receipt of this letter. Until proper validation is provided, I request that no further contact be made other than to provide the requested documentation. 

Sincerely, XXXX XXXX

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX  for reporting an inaccurate late payment on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The creditor has reported a late payment for the account dated XX/XX/year> which is not accurate based on my records. I have contacted the company directly and requested proper verification of the alleged delinquency, but they have either failed to respond adequately or could not provide documented proof to support their reporting. 

Under FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are required to report only accurate and complete information to the credit bureaus. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate items and receive timely investigation and correction. 

I believe that this company has violated its obligations by : Reporting unverifiable and inaccurate negative information; Failing to provide documentation or proper validation of the late payment ; Continuing to report the disputed information after being notified of the inaccuracy.

I am requesting the CFPBs assistance in having this unverified and inaccurate late payment removed from my credit file with all credit reporting agencies, as it is negatively impacting my creditworthiness and was not reported in compliance with the FCRA.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX  for reporting an inaccurate late payment on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The creditor has reported a late payment for the account dated XX/XX/year> which is not accurate based on my records. I have contacted the company directly and requested proper verification of the alleged delinquency, but they have either failed to respond adequately or could not provide documented proof to support their reporting. 

Under FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are required to report only accurate and complete information to the credit bureaus. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate items and receive timely investigation and correction. 

I believe that this company has violated its obligations by : Reporting unverifiable and inaccurate negative information; Failing to provide documentation or proper validation of the late payment ; Continuing to report the disputed information after being notified of the inaccuracy.

I am requesting the CFPBs assistance in having this unverified and inaccurate late payment removed from my credit file with all credit reporting agencies, as it is negatively impacting my creditworthiness and was not reported in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove this account from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc.
State: FL

Complaint narrative:
I called wisely on XX/XX/year>XXXX  to have a new card sent out and did not receive. Called on XX/XX/year> and was charged {$37.00} for expedited shipping and again did not receive. I called on XX/XX/year>XXXX  and paid {$37.00} again and still have not received. 
I had my tax return put on it and still has {$5000.00} on it. 
I keep calling and the people keep trying to get another {$37.00} for 2 day delivery. So I ask to speak with a manager to call me back and no one ever calls. 
I hope someone can help me. 
Wisely change my card number and didn't give me the new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple variations of my name and address that are incorrect and must be removed. My legal name is XXXX XXXX XXXX, and the only correct address that should appear on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, my file contains several incorrect addresses, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires TransUnion to maintain the maximum possible accuracy of the information it reports. Failure to correct these inaccuracies after being notified constitutes negligent noncompliance under 15 U.S.C. 1681o. I am requesting immediate deletion of these inaccurate names and addresses. You may verify my identity and correct information using my drivers license, Social Security Number, and utility bill from XXXX. I expect full correction of my file and written confirmation from TransUnion. If this issue is not resolved promptly, I will escalate through additional legal and regulatory channels.

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 2025-05-21 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: FL

Complaint narrative:
Experian Credit Bureau and Equifax Credit Bureau are reporting a medical bill collection on my report and they are refusing to remove it. Since XX/XX/year> it is now illegal for credit reports to have past XXXX XXXX on any credit reports! I've disputed it a few times with both companies and they will not remove it. 

The collections didn't show up on my reports until XXXXXXXX XXXX XXXX  after it was made illegal for them to report medical claims.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed bankruptcy in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  still has it listed as a repossession which is affecting my credit it been dealing with the credit bureau but no one want fix this to say included in bankruptcy I just discharged 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed bankruptcy in XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX still has it listed as a repossession which is affecting my credit it been dealing with the credit bureau but no one want fix this to say included in bankruptcy I just discharged 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed bankruptcy in XX/XX/scrub>XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, still has it listed as a repossession which is affecting my credit it been dealing with the credit bureau but no one want fix this to say included in bankruptcy I just discharged 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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kikoff Inc.
State: NV

Complaint narrative:
My legal rights under 15 usc and 1681 EB, as of XX/XX/year>2025 have been violated by false inaccurate information from Equifax. Also i have been getting threats alot no matter how many times i change my number, my taxes get taken every year they even took my very first stimulus check during the pandemic its caused so much damage and hardship to my life and it continuously makes it very difficult to provide for my family, to live like this is very inhumane and i have no help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
In XXXX, I received emergency medical treatment and my father agreed to pay the bill. I was under the impression that it had been taken care of. In late XXXX, I discovered a collection account for {$18000.00} from XXXX XXXX XXXX I on my XXXX credit report. I hired a credit repair company to assist me in disputing the debt, and in XX/XX/XXXX, the collection was successfully removed. In XX/XX/XXXX, a new collection appeared for the same amount, but from a different agency named XXXX XXXX XXXX. I believe this is the same debt being re-reported under a different name. I disputed the XXXX account with XXXX and attached documentation showing the previous resolution. Despite this, XXXX verified the account as accurate. I believe this debt is either being duplicated or re-aged, and I have not received proper debt validation from XXXX. I am requesting that this account be investigated and removed if it can not be fully validated and legally reported.

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 2025-05-21 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: OH

Complaint narrative:
There is an account on my credit report that is not mine and belongs to someone else.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputed online the bankruptcy as inaccurate and they verified as accurate and that is not true. Wherever they received their information from, they purchased inaccurate information. The address listed on the bankruptcy is for a strip mall and apartments. Since Experian and their verification process is inaccurate. Courts do provide wrong information they aren't perfect. They verified as accurate and it's wrong I want it remove. I've attached XXXX search of address.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX  / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data.

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine. 

I have requested contracts from the company reporting these accounts, and for more than 60 days I have not received any response. Please help me by immediately deleting these accounts. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

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 2025-05-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation