vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
Received phone calls from XXXX XXXX in XXXX and XXXX of XXXX asking to speak to my XXXX XXXX XXXX son ; I refused. They then asked me for our updated health insurance information. I said I've never ordered anything or signed a contract with your company and they were unable to provide an invoice or anything on their end that shows we did. I spoke to multiple people at XXXX trying to get this information. 

Received XXXX notice from XXXX  dated XX/XX/XXXX for {$5.00}. Called XXXX  XX/XX/XXXX to dispute the debt and request verification, was told to wait and they would reach out. 

Received XXXX notice from XXXX dated XX/XX/XXXX for {$5.00}. Called XXXX  XX/XX/XXXX to dispute the debt and request verification and was told by the lady on the phone that they did not have to provide proof of the debt owed and that I needed to reach out to XXXX. I told her I already tried that and she didn't care. Sent certified letter to XXXX  on XX/XX/XXXX disputing XXXX and XXXX notice and future notices from XXXX as we have never ordered from them. It was delivered to XXXX  XX/XX/XXXX. 

Received XXXX notice from XXXX  dated XX/XX/XXXX for {$5.00}. Received XXXX notice from XXXX  dated XX/XX/XXXX for {$5.00}. Sent XXXX certified letter to XXXX  disputing all debt from XXXX and requesting verification on XX/XX/XXXX and it was delivered XX/XX/XXXX. 

In both calls to XXXX  I said they did not have my permission to reach out via phone and I requested in both letters to please contact me in writing. They sent me a text today, XX/XX/XXXX, trying to collect the debt again. 

I believe XXXX is sending in a new debt every month as each debt collection notice is the same amount but with a new creditor account number. 

We have not ordered from XXXX, signed a contract with them or even received an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. I would like for this account to be reinvestigated. The inaccuracies on this account are hurting my ability to obtain credit. 

In accordance with Fair credit reporting act, Public law 91-506, title VI, Section 611, subsection A-D please provide the names and business addresses of individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you complete your investigation and corrections. 
Thank you. 

Account Name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collection services is trying to collect on a debt that I don't have any legal obligation with I didn't signed any wet signature with this company stating i owe them for any debt .. yet they reported XXXX debt collection on my credit report tat is inaccurate .. the original debt is with XXXX XXXX which I also don't owe the debt to .. the amount they reported is XXXX and XXXX which is for XXXX account only..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
I submitted an FTC report and supporting documents to Experian, Transunion, Equifax along with formal request under 15USC 1681c-2 ( FCRA605B ) to block and remove fraudulent information.Speciffically, the following XXXX XXXX  Account Number XXXX the reciieving proper notice the credit bureaus failed to block the fraudulent account within 4 business days as required by law.They continue to report damaging my credit profile.This is a clear violation of FCRA 605B.I'am requesting that the CFPB compel the credit bureaus and Self Financial to stop violating my rights

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 2025-08-26 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: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-26 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Credit Report Dispute Capital One Account Ending in XXXX I am writing to formally dispute inaccurate information appearing on my XXXX  credit report. The account in question is listed as : Creditor : Capital One Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status : Closed, Paid This account is being reported with late payments in several months of XXXX and XXXX. However, this information is inaccurate. According to my records, the account was paid and closed in good standing as of XX/XX/XXXX. Any reporting of delinquent payments after the account was closed is incorrect and must be removed.

Additionally, the account is noted as Closed at credit grantors request, which may be misleading. Since the balance was paid in full, this should not negatively impact my credit report with inaccurate late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX A family member of the same last name took my information during an incident at my grandmothers home. The same family member opened utilities in my name before I was XXXX XXXX XXXX as well as other siblings. I had no knowledge that my information was missing or had been copied until I saw things pop up on my credit report that I had no knowledge of whatsoever. I have reached out to each company and even tried to dispute ownership to no avail. This is preventing me from doing simple things in life that I need done. It prevents me from being able to effectively handle business as it presents itself and it has totally destroyed my piece of mind as this is further damaging my credit and I did not do these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

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 non-monetary relief
Consumer complaint received 2025-08-26 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, they still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is alarming and strongly suggests possible identity theft.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a ticket from XXXX for {$3000.00} on XXXX XXXX. XXXX refunded the full amount on XX/XX/year>, and the refund shows on my Chase account. After the refund, I mistakenly started a My Chase Plan for the same amount but since the purchase was already refunded, the plan technically should not have displayed as an option or been allowed to start.

Now I am being billed monthly installments and plan fees on a transaction that no longer exists. I contacted Chase, filed a dispute online, and spoke with supervisors. I was told I must continue paying, even though the plan was created in error after the refund. Under the Fair Credit Billing Act, this is a billing error. I request Chase apply the refund to the plan, close the plan, reverse any fees/interest, and confirm I will not be billed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 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: IL

Complaint narrative:
On XX/XX/year>, I mailed formal dispute letters to both Experian Information Solutions , Inc. and TransUnion LLC regarding inaccurate, unverifiable, and outdated accounts appearing on my credit reports. 

The disputes were sent via USPS Certified Mail and were confirmed delivered : Experian : Delivered XX/XX/scrub> XXXX XXXX XXXX  ( proof attached ) TransUnion : Delivered XX/XX/scrub>XXXX XXXX XXXX XXXX ( proof attached ) Under the Fair Credit Reporting Act ( FCRA ) 611, the credit bureaus are required to investigate and respond to consumer disputes within 30 days of receipt. As of today, I have received no response from either bureau. This failure to respond is a direct violation of federal law. 

In my letters, I specifically requested that the bureaus verify the disputed accounts with original creditor documentation ( including loan terms, payment history, and creditor details ). No such verification was provided. 

Because the bureaus failed to comply within the legally mandated time frame, I am requesting that the disputed accounts be deleted immediately as unverified. Continued reporting of these items has caused me measurable harm, including credit denials and lost job opportunities. 

Attached are : Copies of my original dispute letters ( XX/XX/year> ) USPS Certified Mail receipts ( postmarked XX/XX/year> ) USPS delivery confirmations ( showing delivery on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ) My ID and proof of address I respectfully request that the CFPB require the bureaus to delete these disputed accounts due to their failure to comply with FCRA 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