vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

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

DXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-21 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: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to demand the immediate removal of the following closed accounts from my credit report : - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX During a recent audit of my credit report on XX/XX/year>, I discovered these closed accounts listed. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), you are legally obligated to report only accurate and verifiable information. The accounts in question do not accurately reflect my creditworthiness and must be removed.

Furthermore, Section 623 ( a ) ( 1 ) of the FCRA mandates that furnishers provide accurate details to consumer reporting agencies. The existence of these accounts misrepresents my financial responsibility and distorts my overall credit behavior.

I am deeply concerned that these inaccurate entries will adversely affect my credit score and result in unfair treatment by creditors. I insist on the reassessment and the validity of these records and complying with the FCRA by removing them from my credit file without delay. 

I am formally disputing the accuracy of these accounts, and I expect a thorough investigation following the FCRA. I require a written confirmation of their removal within the 30 days mandated by law. 

Thank you for the immediate attention to this serious matter.

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 2025-04-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX Date Last Active : XX/XX/XXXX Payment Status : Late 30 Days ( XXXX XXXX ) Balance : {$2400.00} XXXX XXXX XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Date Last XXXX Payment Status : Current Balance : {$29000.00} Late days : XX/XX/XXXX ( XXXX ) XXXX, XXXX, XX/XX/XXXX ( XXXX ) XXXX, XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Last XXXX Payment Status : Current Balance : {$320.00} Late days : XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX * * * * Date XXXX Date Last Active : XX/XX/XXXX Payment Status : Current Balance : {$250.00} Late days : XX/XX/XXXX ( XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Date Last XXXX Payment Status : Current Balance : {$320.00} Late days : XX/XX/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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: OK

Complaint narrative:
I was brought in to XXXX XXXX XXXX under the influence a couple years ago but in a state where I was able to tell them I dont have insurance and believe I am fine. They decided to give me a XXXX scan either way though I denied it, and then proceeded to charge me over $ XXXX in bills. I requested financial aid from the hospital to which they never got back to me on, an itemized bill that doesnt even provide information to which services were given, no implied consent forms were shown, no financial assistance was given nor was I reached back out to, and I was unaware of this debt until it reached collections this XXXX. I have no means currently of paying any or all of this debt, nor do I believe I should as I denied the procedures yet they gave them to me without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LEXISNEXIS
State: TX

Complaint narrative:
Car accident claim reported XX/XX/year> still reporting but the texas law states it has to be removed after 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WA

Complaint narrative:
Subject : Dispute of Incorrect XXXX Information on My Credit Report under FCRA Dear [ Credit Bureau 's Dispute Department ], I recently reviewed my credit report and discovered an inaccurate entry related to a XXXX  that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous XXXX  details are as follows : [ XXXX  ] In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the XXXX. Specifically, I require the following information : 1. The name of the courthouse where the information was verified.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse.

4. The telephone number for the Clerk of Court 's office. 
5. The specific document you obtained to verify the XXXX. 

Should you fail to comply with my request within the 30-day period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address. 

I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing. 

Thank you for your cooperation. 

Sincerely,

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 2025-04-21 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: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. This is your final notice. You are in violation of federal law by continuing to report and verify account that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that this account has been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 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 2025-04-21 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:
I am submitting a formal complaint against EXPERIAN regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151. 

Here are the inaccurate accounts that I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$23000.00} 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 2025-04-21 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: Zions Debt Holdings
State: NC

Complaint narrative:
In XXXX or early XXXX, I signed up for XXXX XXXX XXXX at a home I shared with my partner. In XXXX, we went through a very difficult family breakup. We both lost our jobs, had to sell the home quickly, and were doing everything we could to avoid foreclosure. As a result, we had to leave everything behind, including the XXXX system. 

I was the only person listed on the account, even though my ex also lived there and helped manage the household. Since then, I have never received a single phone call, letter, or email from XXXX or Zions about any unpaid balance or debt. I always updated my address and phone number. My exs number never changed, and I know XXXX had it because he was added to the account but he also never heard anything from them. 

This debt was reported years later as a collection account without any contact or warning. I dispute this collection, how it was handled, and the failure to notify me before reporting it. Had I known, I would have worked it out directly with XXXX. Now Im being penalized on my credit for something I wasnt given a chance to resolve.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-04-21 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting ability to obtain credit.

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 2025-04-21 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} - XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX Av XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} - XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX Av XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the package for the prepaid card for the first time today to check the balance online. I tried to check the balance online and was not able to ( I tried that on multiple browsers and still couldn't ). I contacted the number on the packaging for assistance. They asked me to provide my name and as soon as I did that they told me that the card is registered under someone else ( Which is not possible because I had just opened the card ). The company told me that I need to verify my information by sending my photo ID, a picture of the card and provide a receipt. I told them I don't have a receipt because I got the card as a gift and I don't feel comfortable sharing my ID with the company, online or through fax, for that matter. When I told them that they were very rude to me. I do not feel comfortable sharing my ID and Personal Information with a company that clearly is very unprofessional. I told them I have the original packaging and the physical card which I am willing to send as proof

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