vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 have had automatic bill pay set up with my XXXX XXXX XXXXXXXX credit card for over XXXX years. Without any notice or consent, XXXX XXXX XXXXXXXX canceled my autopay. As a result, XXXX payments were missed, and I was told that bill pay was no longer active. They even denied it had ever been set up rather than admitting their fault. This failure caused : - Missed payments through no fault of my own - Late fees and interest charges - Negative credit reporting, which has damaged my credit score I never received proper advance notice that my autopay was being canceled. XXXX XXXX XXXXXXXX marketed and provided this service, and I relied on it. Removing it without adequate notice is unfair and deceptive. It violates their duty to process authorized payments and, in my view, their obligations under the Truth in Lending Act and Fair Credit Reporting Act. This is not just a personal issue. Ive found widespread reports of other XXXX XXXX  XXXX customers experiencing the same sudden autopay cancellations. This appears to be a systemic problem with their handling of bill pay. 

This is to formally document that the following actions have not occurred regarding the issue at hand : - Three separate XXXX XXXX XXXX XXXX confirmed that this was a widespread issue and assured me that the delinquency reported to the credit bureau due to their error would be reversed. However, I later received a letter stating that the matter was investigated and the reversal would not occur. 

- The CFPB did not hold XXXX XXXX  XXXX accountable for the harm caused by this failure. 

- I have not received a reversal of all late fees and interest charges tied to the missed payments. 

- No correction of negative credit reporting has been made, including formal notification to credit bureaus to delete the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a formal written demand and combined validation and dispute notice concerning the above-referenced account being reported to the credit reporting agencies. I am asserting my rights under FDCPA 809 ( 15 U.S.C.

1692g ) and Regulation F 1006.34, as well as under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611.

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 2025-11-12 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: MN

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 2025-11-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a Debt Validation Request to IQ Data International via certified mail ( tracking # XXXX ) regarding an alleged debt they claim I owe to XXXX Apartments ( NY ). 

My letter formally disputed the debt and requested full validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including proof of ownership, account documentation, itemized balance, and verification that IQ Data was authorized to collect in my state ( Georgia ).

IQ Data received my certified dispute but never provided any of the requested validation or documentation. Instead, after receiving my letter, they reported the alleged debt to the credit bureaus, listing a balance of {$23000.00}. 

Reporting a disputed and unvalidated debt constitutes continued collection activity in violation of FDCPA 809 ( b ) and the furnishing of inaccurate and unverified information under FCRA 623 ( a ) ( 1 ) ( A ).

As a result, IQ Datas actions have negatively affected my credit report and caused unnecessary stress and confusion. I am requesting that the CFPB require IQ Data International to delete the tradeline from all credit bureaus and provide written confirmation that all reporting and collection activity related to this account has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-12 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: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I am disputing a medical collection reported by Medical Data Systems ( MDS ) on behalf of XXXX XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXXd, I specifically requested a good-faith price estimate from both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX but neither provided it I was told by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXold me they did not know. This left me unable to make an informed decision about the XXXX XXXX  which I believe violates federal and state transparency requirements. 

After receiving the bills, I submitted an application for financial assistance ( F/A ), but the hospital never provided a decision or any follow-up. Later, without clear communication or final billing review, the balance was sent to Medical Data Systems for collection. 

I recently contacted XXXX XXXX by certified mail on XX/XX/year>, requesting them to recall the collection and review the billing dispute, but the hospital refused to do so and stated that estimates are only provided to uninsured patients, which contradicts the public price transparency rule. Additionally, the hospitals public price list does not include estimates for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which further demonstrates the lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-11-12 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: FL

Complaint narrative:
I recently checked my credit report and noticed incorrect items under account XXXX XXXX ( XXXX ). 
This is damaging my 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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my TransUnion credit report : Charged-Off Accounts : 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 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 2025-11-12 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: CA

Complaint narrative:
I am filing this complaint because my personal information was compromised in a data breach, and as a result, several unauthorized or questionable accounts and inquiries have appeared on my Experian credit report. I did not open or authorize these accounts or inquiries, and I believe they are connected to the misuse of my personal information following the breach. 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, I have noticed recent unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After learning about the data breach , I placed fraud alerts, monitored my credit reports, and took precautions to protect my identity. Despite these actions, these accounts and inquiries appeared without my knowledge or consent.

I have disputed these items with the credit bureau and creditors directly, but they have not been properly investigated or removed as required under the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are negatively affecting my credit and appear to be the result of fraudulent activity related to the data breach.

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure Experian and the furnishers of these accounts and inquiries conduct a full reinvestigation, and remove or correct any information that can not be verified as accurate and authorized.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because my personal information was compromised in a data breach, and as a result, several unauthorized or questionable accounts and inquiries have appeared on my Experian credit report. I did not open or authorize these accounts or inquiries, and I believe they are connected to the misuse of my personal information following the breach. 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, I have noticed recent unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After learning about the data breach , I placed fraud alerts, monitored my credit reports, and took precautions to protect my identity. Despite these actions, these accounts and inquiries appeared without my knowledge or consent.

I have disputed these items with the credit bureau and creditors directly, but they have not been properly investigated or removed as required under the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are negatively affecting my credit and appear to be the result of fraudulent activity related to the data breach.

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure Experian and the furnishers of these accounts and inquiries conduct a full reinvestigation, and remove or correct any information that can not be verified as accurate and authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
I applied for a HELOC with Better Mortgage on or around XX/XX/year>. I was considering multiple providers, and Better Mortgage aggressively pursued me. A salesperson named XXXX aggressively texted & emailed to get me to apply. 

Through verbal conversations & texts, I was lead to believe through the process that I would be approved for some amount. I communicated I would be open to lower amounts if that made them more comfortable. At no point through these several conversations was it communicated that applications are automatically declined if the house was listed for sale in the last 6 months. 

I was pushed to drop everything and fill out the application. Better Mortgage gathered my most personal and detailed confidential financial information. SS #, pay stubs, XXXX 's, more & more follow ups for additional information & detail. 

After everything was in, I get a text from XXXX " XXXX was the house on the market? '' Yes, it was, I was trying to get a high number & was between jobs. I have since secured a good job, and wasnt getting the number so I pulled it. 

It didnt matter. XXXX said I was automatically declined. If this was a cause for an auto-decline, XXXX should have made clear prior to the application process. Now my credit is hard-hit, some untrustworthy deceitful company has my most personal information, and I do not have the product I was aggressively led to believe I'd receive.

Better was not transparent. Better took my personal information in bad faith. 

I am exploring legal options as well. But the CFPB needs to be aware of these underhanded tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am writing to formally request the removal of several unauthorized and fraudulent inquiries that appear on my credit report. I recently obtained copies of my credit reports and discovered multiple credit inquiries that I did not authorize or initiate. These inquiries were made without my knowledge or consent and are the result of identity theft or fraud.

Please conduct an investigation into these inquiries and remove them from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and authorized information be reported. 

XXXX XXXX XXXX XXXX Automobile Financing Company Individual XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used Individual XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing Individual XXXX XXXX XXXX XXXX4

Company response to consumer: Closed with explanation