vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Milliman, Inc.
State: FL

Complaint narrative:
This is about the Milliman inteliscript information which according to everything I can find still falls under your jurisdiction.

The Medical information data base that is used to determine health insurance and life insurance since is reportable falls to your authority!

I have been turned down by multiple agencies and or given very little life insurance for a much higher price.

There are diagnosis that are not correct and I have been to those hospitals and doctors offices to correct this. I have put in the records request to change/remove.

Further I found these are coding issues so hospitals and Drs offices can get paid! If there is no code for what they find they put the closest thing to it! 
But, it is not a diagnosis its coding! 
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 

I have gotten the actual records from the custodians of them. Showing the real diagnosis or problems. I have letters from the doctors stating ; XXXX XXXX XXXX incorrect -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect I can provide you with copies of everything but I need an address to send this too as its several hundred documents! Down loading is not an option! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
A merchant named XXXX  keeps charging my account {$15.00} despite the fact only 4 of the transactions are valid. They easy are duplicates. I reached out to cashapp and the merchant for support, but they have ignored me. Is like these transactions reversed and a block put on the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-24 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>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 2025-10-24 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: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-10-24 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: MI

Complaint narrative:
I have disputed the item multiple times with each bureau, submitted official court documentation, provided XXXX removal confirmation, and communicated with the furnisher ( LCI ). Despite these actions, the bureaus continue to report the bankruptcy as verified and accurate. Experian and TransUnion show inconsistent removal dates and reference numbers for the same case. I have requested proper verification under the Fair Credit Reporting Act ( FCRA ), but no adequate documentation has been provided and the record remains on my reports, negatively affecting my 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 non-monetary relief
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX  XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: WV

Complaint narrative:
On XXXX I booked a local hotel to take my kids swimming and used my cash app card to book the room from a 3rd party site. Once I arrived to the hotel the hotel refused to accept my cash app card ( the only debit card that I have ) to pay the local deposit, which was never disclosed in booking with the site. So I reached out to the 3rd party site to issue a refund. They gladly obliged and were very nice about it. Still no refund has showed up 6 days later. It was due in 3 to 5 days. I disputed it with cash app due to never receiving a service that I paid for. I showed all proof and conversations to cash app. I am having severe chronic health issues and am not able to work due to them so losing {$160.00} is a lot for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I deposited a State issued check for {$1500.00}, online with SoFi Bank. I didn't endorse it and on Monday the bank emailed me to request it. I endorsed the check and then called the bank to inquire if they were going to still disburse the funds as stated from XX/XX/XXXX deposit, or would the date change? The representative advised the disburse date was the same, no change. I checked my account and on XX/XX/XXXX, {$270.00} was disbursed, with the dates showing XX/XX/XXXX & XX/XX/XXXX as next and last date of disbursement! By XX/XX/XXXX, I received an email from SoFi Bank advising my funds were being held until XX/XX/XXXX. I called the bank XXXX on XX/XX/XXXX to request SoFi Bank to cancel the deposit as I would take the check to the distributor and cash it because I deposited the check based on the dates given on XX/XX/XXXX, and stated I had specific need for the funds. SoFi Bank has demonstrated FRAUD, BAD BUSINESS PRACTICES TO GET MY FUNDS AND ABUSED IT'S POWER. I WENT TO XXXX XXXX XXXXXXXX ( ORIGIN ), THEY ADVISED THAT SOFI HAD NOT RELEASES THE HOLD, AFTER ADVISING ME IT WOULD! SOFI ALTERED MY BANK HISTORY TO REMOVE THE TWO DEPOSIT DATES OF XX/XX/XXXX & XX/XX/XXXX, and have since used XX/XX/XXXX as the deposit date! This is fraudulent activity, to cover up and justify it's bad business practices and prejudice, when it could've prevented this inconvenience to me, causing fees and additional expenses, effecting my QUALITY OF LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I received a phone call from so called XXXX customer service saying that I had a problem with the account. They sent me a link and got access to my cell phone. Later I noticed they had taken {$200.00} out of my account saying XXXX. My email phone and debit card was hacked. I contacted Wells Fargo and they did an investigation and said it came from my phone. I told them that my phone was hacked. There are lot of people being hacked and thieves are using XXXX. My bank did not protect me at all. XXXX I will make a complaint against them to because they would stop the transaction and I called them immediately. Please help me

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 2025-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I contacted LVNV FUNDING LLC, to see if I can see who is the creditor that they have me in collection for, they gave me no information after I provided everything they asked, the lady then told me to provide my address, and a debit card for them to process a transaction so that they can see my report and find out, I r=told the lady that she is not giving me any kind of information, she gave me no further details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-10-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the item multiple times with each bureau, submitted official court documentation, provided XXXX removal confirmation, and communicated with the furnisher ( LCI ). Despite these actions, the bureaus continue to report the bankruptcy as verified and accurate. Experian and TransUnion show inconsistent removal dates and reference numbers for the same case. I have requested proper verification under the Fair Credit Reporting Act ( FCRA ), but no adequate documentation has been provided and the record remains on my reports, negatively affecting my 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 2025-10-24 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX  XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One reconsideration and complaint letter. It keeps your respectful tone but adds references to federal credit laws that protect your right to fair consideration under your Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX XXXX XXXX  Capital One Bank ( USA ), N.A. 
Attn : Credit Card Reconsideration & Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint and Request for Reconsideration Venture X Credit Card Denial To Whom It May Concern, My name is XXXX XXXX XXXX XXXX and I am writing to formally dispute and request reconsideration of the recent denial of my Capital One Venture X credit card application. I have been a long-standing and loyal customer of Capital One for many years, maintaining accounts in good standing and responsibly managing my credit under my valid Social Security number. 

Given my consistent history and the trust I have placed in Capital One, I was both surprised and disappointed by the denial of my application. I believe this decision does not accurately reflect my creditworthiness or my longstanding customer relationship.

Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., I have the right to fair and equal consideration for credit based on my actual credit profile, income, and financial history. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate reporting and full disclosure of any information used in determining my eligibility for credit. 

I respectfully request that Capital One : Provide the specific reasons for the denial of my Venture X application, as required under Regulation B of the ECOA. Reconsider my application in light of my established history, loyalty, and current credit standing. Confirm that my Social Security information and prior Capital One credit data were properly verified and evaluated during the decision process. 

Capital One has long represented itself as a bank that values its customers and supports responsible credit users. I trust that my request will be given a fair review consistent with federal law and your companys own standards of integrity and customer care. 

Please respond in writing to the address or email listed above within 30 days, as required by federal consumer protection regulations. 

Thank you for your time, attention, and prompt reconsideration of my application. I look forward to your reply and a positive resolution of this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation