vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
XXXX 2nd time collecting. I didn't keep records so all my accounts at the bank were emptied. One account for me alone. One for me and my husband. And the last one was my daughter 's XXXX. These accounts were taken in XXXX. 
Was told that this is the last time they can take all my bank accounts and never received any communication. 
XXXX XXXX XXXX  reopened the collection. I live in XXXX North Dakota. The certificate of Service by mail was sent to a legal service I have never heard of in XXXX North Dakota. XXXX in 7 hours away. 
XX/XX/XXXX garnished summons continuing lien and notice to defendant was delivered to my old employer that I just started working for again part time. 
XXXX I owed {$3400.00}. After taking all bank accounts {$1100.00} was paid XX/XX/XXXX. The first collection for XXXX XXXX was XXXX I kept no records. 
Now they say I owe {$4300.00} as of XX/XX/XXXX Collecting every 9 to 10 years without any communication between. I get 10 or more calls a day that just hang up when I answer. I assume it's them hanging up.

I have no job and will be homeless with a XXXX XXXX yrs old daughter and a XXXX yr old husband with XXXX XXXX XXXX and XXXX XXXX. They have broken me twice now and I don't know how to stop this The first collection agent was different then who is trying now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened 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 2025-07-31 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: NY

Complaint narrative:
My husband and I are in the process of trying to get preapproved for a mortgage. On XX/XX/XXXX our lender got back to us and told us that my credit score was only reporting on XXXX as XXXX, and coming up as unscorable on Equifax and not ordered on Experian. I called Equifax immediately that morning and they told me they have a credit report on me and there should be no reason the lender would not have access to it. I verified all of my information with them that morning and they assured me that there was no holds, breaches, or locks on my report. They told me to try having the lender pull the score again. I called Experian later that day as well and they gave me essentially the same answer. They said theres no reason my report shouldnt be accessible. I explained this to my lender and he said this was not an acceptable answer and I needed to call back and be more firm in order to get this fixed. I called back both Experian and Equifax on XX/XX/XXXX, when we got back from our vacation. They both assured me there was nothing on there end they could do to make my report accessible, as they are seeing no blocks or reasons why it would not be able to be pulled. Equifax told me I could try again immediately. Experian told me to wait 3-5 business days to ensure their team could make sure it was not an internal issue. They told me if I didnt hear from them by 5 days to run the report again. I obtained a ticket number for this call. I called back on XX/XX/XXXX and they told me they are processing the ticket and in 3-5 business days from this call my lender would be able to access my credit report. We made the lender aware of this. On XX/XX/XXXX our lender contacted us again to say Experian came back with no hit, Equifax says score not returned. He was once again able to receive my score from XXXX. I have had established credit for years, an active credit card that Ive never been late on, and active student loans that I also have never been late or missed a payment on. I am so frustrated as I know I have credit and why these reports are not able to be reported from these 2 bureaus, only XXXX. Im unsure what steps to take has Equifax and Experian have repeatedly assured me that there is nothing on there end they can do to make my credit score and report reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC

Complaint narrative:
I am disputing a false {$7500.00} debt reported by XXXX XXXX XXXX ( XXXX / XXXX XXXX ) and referred to Cedars Business Services ( Account # XXXX ). 

I never agreed to or signed any membership contract with XXXX. Before my first charter, I had a phone call with XXXX XXXX, XXXX Vice President of Sales, who explicitly confirmed that no membership fee was required. Based on that assurance, I chartered flights and paid for all of them in full and in advance. 

Despite this, XXXX created a false {$7500.00} membership fee in XX/XX/XXXX, referred it to Cedars Business Services for collection, and had it reported to my credit file without any notice. I live internationally and only discovered this in XXXX XXXX. 

When I contacted XXXX XXXX directly, he acknowledged the issue and said he would follow up, but I have received no response. Meanwhile, XXXX has continued to solicit my business ( see email dated XX/XX/XXXX ). 

This is false and damaging credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-31 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: OH

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-31 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 the victim of identity theft. I have submitted a formal dispute along with an Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my affidavit, formal dispute letter, and government-issued ID, SSN, and proof 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: PR

Complaint narrative:
While reviewing my credit report, I noticed several accounts reporting negative information that I do not recognize or recall ever authorizing. Some of these accounts show high balancessuch as one listed at over XXXX XXXXand are marked as charge-offs or derogatory without any prior notification, billing statements, or documentation being sent to me. These entries appeared without any explanation, and I was never contacted by the creditor or given the opportunity to validate or dispute the debts at the time they were reported. Despite my previous attempts to dispute them, no supporting documents or proper validation have been provided to justify their continued presence on my report. I am now formally requesting that these accounts be reinvestigated and removed if the companies involved can not furnish clear, accurate, and verifiable documentation proving their legitimacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported on my credit file. The account in question was reported as delinquent, but I made my payment on time and have documentation to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Summary of the Complaint : I am filing this complaint to report a fraudulent and inaccurate entry on my credit report regarding a XXXX XXXX XXXXXXXX credit card account ( Account # XXXX ) that I do not recognize or recall ever opening.

This account is being reported by all three major credit bureaus as closed, charged-off, and with a balance of {$2500.00}, and contains extensive delinquency history across XXXX and XXXX. However, I have no knowledge of this account, did not authorize its opening, and have never received or used a card tied to it.

Account Details : Creditor : XXXX XXXX XXXXXXXX Account Type : Revolving Credit Card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Closed : Equifax : XX/XX/XXXX XXXX  : XX/XX/XXXX Reported Balance : {$2500.00} Reported High Balance : Equifax and XXXX  : {$0.00} ( which is inconsistent ) XXXX  : {$2500.00} Delinquency History : Equifax : 4 90 days late, multiple 60/30-day lates in XXXX XXXX  : Identical history XXXX  : No verified delinquencies, but still shows charge-off Last Payment Dates : Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Not clearly listed Dispute Comments Present : Equifax and XXXX  indicate that the account is being disputed by the consumer Legal Violations : FCRA 15 U.S. Code 1681e ( b ) : CRAs must report with maximum possible accuracy.

Reporting an account that does not belong to the consumer and showing conflicting balances and history violates this provision.

FCRA 15 U.S. Code 1681i ( a ) : When notified of a dispute, CRAs are obligated to reinvestigate within 30 days.

Despite marking the account as disputed, they have failed to remove or correct the information.

FCRA 15 U.S. Code 1681s-2 ( a ) and ( b ) : Furnishers must not report inaccurate information and must update or delete inaccurate entries when notified. 

XXXX XXXX XXXXXXXX appears to have failed to properly investigate or validate this account. 

Consumer Harm : The continued presence of this account on my credit report is causing severe damage to my credit score, limiting my access to fair lending, housing, and financial opportunities. The account is not mine, and it must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Company trying to collect unowed debt and needs to remove from credit report instead of continue selling unowed debt and start again. Original company XXXX XXXX which didn't complete services and they didn't render services they're trying to collect on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 writing with deep concern regarding an account reported on my credit file that I do not recognize and did not authorize. I have never opened or had any financial dealings with the creditor listed, and I believe this account to be fraudulent.

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 2025-07-31 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I paid off my auto loan that I had through Chase in XX/XX/XXXX and I received a letter confirming that the account was paid in full. However, my loan still shows on 2 different credit bureaus. I called Chase on 7XXXX  and request they send an immediate update to the credit agencies, but they would not do that. Instead I filed disputes directly with XXXX  and XXXX  to request the account balance be updated to XXXX  as well as show it is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 




NEGATIVE ACCOUNTS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion

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 2025-07-31 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 




NEGATIVE ACCOUNTS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion

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 2025-07-31 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: DC

Complaint narrative:
I used Chime, the XXXX XXXX XXXX. They told me I could borrow XXXX $ of my XXXX  limit of XXXX $ The feature allows you to schedule the deposit of the funds in 24 hours which is the option I chose. I chose to wait 24 hours and I purchased shoes from XXXX hoping they would give me the XXXX $ to go back into my account for the shoes. I waited an entire 24 hours for the XXXX $ to be deposited to replace what I spent and Chime never sent it to me they pretended to distract me with other deposits by my employer but never gave me the {$30.00} XXXX patiently waited for. They could not handle giving me XXXX $ of MY pay as requested and failed to disburse funds as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I travelled to XXXX XXXX and arrived my card is locked for no reason I could not check into my room I could not eat I was stranded in a forgiven country with no access to my money. I had 3 XXXX  XXXX  and a XXXX XXXX  based on the XXXX  caused by the fear of being XXXX  in a country I dont know

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