vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX  - DATE OPENED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MS

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 I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: MS

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 I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00}

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 explanation
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I noticed unauthorized inquires on my consumer report. I did not apply for any credit. I did not authorize my credit to be looked into and did not sign with my signature for my credit to be looked into. According to the FCRA, these unauthorized and unverified inquires must be removed immediately. 

According to the FCRA, 15 U.S. Code 1681, this law covers the need for fair and accurate credit reporting practices, ensuing the information reported is accurate and up-to-date. Incorrect information reported is a violation of this law. Any unauthorized inquires must be removed.

FCRA, 15 U.S. Code 1681 n outlines the civil liability for willful noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. If the unauthorized inquiries are not removed, I will file a civil lawsuit under the FDCPA and will seek damages along with court costs and attorney fees. 

I was recently advised by Equifax, that my information was exposed in the data breech. Document attached. 

Inquiries need to be deleted : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal notice that I dispute the debt you allege I owe and reject any responsibility for it. I also cite multiple violations of federal consumer protection laws in your collection efforts. I do not acknowledge any debt associated with the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand full validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, detailed account information, and a complete breakdown of all charges. You must also provide a copy of the debt purchase agreement. A formal complaint has been submitted to the CFPB concerning these issues. 

Effective immediately, you are prohibited from contacting me by phone, text, or email. Communication must be in writing only. Your failure to provide a valid opportunity to dispute the debt violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). In addition, your deceptive methods and lack of mandatory disclosures are unlawful. It is also illegal for [ creditor_name ] to report this debt to credit bureaus without proper notice, as outlined under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile.

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health.

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely.

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances.

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it.

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
Subject : Request to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear [ XXXX XXXX XXXX XXXX XXXX  ], I am writing to dispute and request the blocking of information in my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, which provides for the blocking of information resulting from identity theft.

The following accounts on my credit report do not belong to me and are the result of identity theft : XXXX XXXX XXXX XXXX ( Approx. {$5200.00} charged off ) Military Star Account ( approx. {$4400.00} charged off, marked collection/charge-off ). 

And this address XXXX XXXX XXXX, XXXX TN XXXX. I never lived there once I did not authorize these accounts or charges.

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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : 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  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau. 

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WY

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with recepit displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AR

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: 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. 

XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED : XX/XX/XXXX 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 # XXXX - DATE OPENED : XX/XX/XXXXXXXX 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 2025-06-29 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: FL

Complaint narrative:
EQUIFAX AND EXPERIAN : Demand for Immediate Deletion of Inaccurate Account XXXX XXXX XXXX Account # XXXX. I am writing to formally dispute and demand the immediate removal of the following account from my credit report : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$1100.00} This account is being inaccurately reported on my Equifax and Experian credit profile. The associated debt has been cancelled and is no longer valid. Enclosed with this letter, you will find the supporting documentation verifying the cancellation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent Kohn Law Firm, S.C. a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), regarding an alleged XXXX account they are attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX My letter specifically requested : A copy of the original signed contract or agreement A full chain of title showing assignment from the original creditor to XXXX and to Kohn A full, itemized account history The letter was sent via certified mail, and Kohn Law Firm signed for and received it on XX/XX/XXXX ( see attached USPS return receipt ). 

As of today, XX/XX/XXXX, I have not received any response or documentation from Kohn Law Firm. Despite this, they are continuing to attempt collection on this alleged debt without providing the legally required validation. 

Additionally, I previously requested debt validation from XXXX XXXX XXXX dating back to XXXX, but only received incomplete documents consisting of limited billing statements that do not satisfy FDCPA requirements. This pattern of ignoring validation requests and continuing collection violates the FDCPAs requirement that collectors must cease collection efforts until proper validation is provided.

I am requesting the CFPBs assistance to : Compel Kohn Law Firm to provide full and complete debt validation as required by law Ensure they cease all collection efforts until proper validation is provided Investigate potential FDCPA violations by Kohn Law Firm and XXXX XXXX XXXX XXXX deletion of any credit reporting related to this debt if they can not validate Attachments : XX/XX/XXXX validation request letter sent to Kohn Law Firm USPS certified mail receipt with XX/XX/XXXX delivery signature Prior dispute letters sent to XXXX XXXX XXXX ( XXXX ) Midlands incomplete responses Citibanks notification of account sale to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirming balance statements alone are insufficient for validation Thank you for your assistance in enforcing my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
I enrolled with National Debt Relief to help settle my unsecured debts. I submitted a new debt account for a medical bill of approximately {$500.00}. The company refused to include it in my plan, citing an internal policy that accounts under {$500.00} are not accepted. However, this rule was not stated anywhere in my signed agreement. 

I requested clarification and asked for this to be escalated, but was repeatedly given the same vague justification. Due to their delay, I incurred late payment fees on the account I was trying to handle responsibly. 

I eventually canceled my program with them because I no longer trusted how they handled clients. I believe this internal policy should have been disclosed upfront, and refusing to help based on an undisclosed limitation is both misleading and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal notice that I dispute the debt you allege I owe and reject any responsibility for it. I also cite multiple violations of federal consumer protection laws in your collection efforts. I do not acknowledge any debt associated with the following agencies : 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 demand full validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, detailed account information, and a complete breakdown of all charges. You must also provide a copy of the debt purchase agreement. A formal complaint has been submitted to the CFPB concerning these issues.

Effective immediately, you are prohibited from contacting me by phone, text, or email. Communication must be in writing only. Your failure to provide a valid opportunity to dispute the debt violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). In addition, your deceptive methods and lack of mandatory disclosures are unlawful. It is also illegal for [ creditor_name ] to report this debt to credit bureaus without proper notice, as outlined under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
CAPIO PARTNERS added a collection account to my credit report in XXXX of XXXX from a hospital bill in XXXX from XXXX XXXX 

I had no idea that I had a bill from XXXX of XXXX. My XXXX was displaying flu-like symptoms and received a XXXX XXXX and XXXX XXXX. This was the only service done on that day. The bill was over {$2000.00}. I have had the same insurance for over 10 years and the insurance company declined the total payment due to the wrong coding from the hospital. I am not sure what they coded for this particular service, but the only service my XXXX received was an XXXXXXXX XXXX. I have reached out to the billing department in the hospital, Ive reached out to my insurance company and Ive reached out to the credit collection agencyXXXX XXXX XXXX has claimed that they are looking into this but nothing has been resolved on my behalf. My credit still has a derogatory remark and balance of {$780.00}. I was not aware of this until XXXX of XXXX when I noticed the account on my credit. Since then I have been trying to get this resolved. 

Charging over {$2000.00} for a XXXX XXXX is outrageous! I and my children have had many doctors visits, especially over XXXX, and none of my bills went unpaid by my insurance and ended up on my credit report.

Company response to consumer: Closed with non-monetary relief