vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Previous Complaint : XXXX Dispute results were sent to me, and you marked this item as a paid charge off. However, you are still reporting this account inaccurately. 
Regardless of what the company is saying, this account is not being reported correctly on my behalf. You have reported a payment in the month of XX/XX/XXXX but then have reported a XXXX  day late the following month of XX/XX/XXXX. How is that correct? This in turn makes the payment history being reported for XXXX, XXXX, XXXX XXXX also inaccurate. It seems to me that you are relying on information received by the company and not performing your due diligence as part of your investigation into this trade line. You failed to investigate this account properly and your neglect has violated my rights, yet again. This is the XXXX time that I have disputed this account and have all records if needed as evidence. I am demanding a deletion of the following account immediately. 
XXXX XXXX. Account XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Associates, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, an ambulance company in XXXX  ( XXXX / XXXX  / XXXX XXXX ) provided a hospital-ordered XXXX  transport under a legally mandated Form XXXX hold. I was not permitted to leave the hospital by any other means. 

The ambulance company incorrectly coded the claim as non-emergent, which caused the insurer to deny payment. A formal appeal and multiple state regulatory complaints were filed beginning XX/XX/XXXX. The matter remains under investigation by the XXXX  Insurance Department, XXXX XXXX, and the XXXX XXXX Department of Financial Services. 

Despite those open appeals, the companys third-party collector, Revenue Cycle Associates XXXX XXXX XXXX XXXX XXXX issued a collection notice dated XX/XX/XXXX, attempting to collect {$6800.00}. I sent a written dispute and request for validation on XX/XX/XXXX, under the Fair Debt Collection Practices Act. The company acknowledged receipt and confirmed the account was marked as disputed, but they should not have pursued collection while the claim and billing issues were unresolved. 

I believe this collection activity violates the FDCPA because it concerns a medically necessary, legally mandated service that remains in active appeal and regulatory review. I request that the CFPB ensure the collector halts any further collection or credit reporting until all investigations are complete and that the company confirms compliance in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to get student loans. Ive never gave anyone permission or authorization to open these accounts. My identifications and other supporting documentation will be attached 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I requested for this account to in dispute. Self-lending refused to give me an update of this information as I also Have proof that this account is paid in full. The account at that time was under XXXX XXXX. My full name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the accuracy of the information reported on my Experian credit report. The following accounts require review and correction : Charged Off Accounts : XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX, Opened : XX/XX/year>, Balance : {$13000.00} Inquiries : XXXX  XXXX, Date : XX/XX/year> Positive Accounts : No entries under this category for XXXX. 

Late Payments : XXXX, Account XXXX XXXXXXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX

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 2025-11-07 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:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 
The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-07 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: TX

Complaint narrative:
Formal Settlement Demand FCRA Violations & Non-Compliance This is not a duplicate dispute. This correspondence addresses persistent violations, systemic mishandling of my original complaint, and Experians failure to comply with the FCRA 's statutory requirements. Each instance cited herein is a distinct and continuing violation of my rights. 

To Whom It May Concern at Experian : I, XXXX XXXX, am writing to issue a formal demand in light of Experians continued violations of the Fair Credit Reporting Act ( FCRA ) and your unsatisfactory response to my previous complaint submitted via the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. 

Your generic reply failed to address the substance of my complaint, which included specific affidavits, cited legal precedents, and statutory obligations under the FCRA. The repeated use of automated dispute handling via the e-OSCAR system has resulted in a failure to conduct a good faith, human-reviewed reinvestigation, violating the law and infringing upon my consumer rights. 

Continued Violations Include : - XXXX XXXX XXXX XXXX XXXXXXXX unverifiable delinquency with no proof of permissible purpose - XXXX XXXX XXXXXXXX charged-off account lacking supporting contract or documentation - XXXX XXXX XXXX obsolete charge-off reported past legal limit Statutory & Legal Grounds : - 15 U.S. Code 1681i Failure to reasonably reinvestigate disputes - 15 U.S. Code 1681e Noncompliance with procedures to ensure maximum accuracy - 15 U.S. Code 1681b Reporting without permissible purpose - 15 U.S. Code 1681n Willful noncompliance ( {$1000.00} per violation + punitive damages ) - 15 U.S. Code 1681o Negligent noncompliance ( actual damages + attorneys fees ) - 15 U.S. Code 1681m Failure to properly notify of adverse action - XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. XXXX ) - XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( 9th Cir. 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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
ALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-07 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-07 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-11-07 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:
Review the submitted materials ; the inquiries came unannounced and may be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I previously submitted a formal dispute regarding inaccurate information being reported on my credit file. Despite my request for verification under the Fair Credit Reporting Act ( FCRA ) 611, the credit reporting agency and/or data furnisher failed to provide proper documentation or evidence verifying the accuracy of the account ( s ) in question.

The disputed information remains on my report even though no supporting records or signed agreements were provided to validate the debt. According to the FCRA, unverified or unverifiable information must be deleted from a consumers credit report.

I first filed my dispute on [ insert date of your initial dispute ], and a response was received around [ insert date if applicable ]. However, the reinvestigation was incomplete, and the inaccurate information continues to negatively affect my credit profile. 

I am requesting a reinvestigation and the permanent deletion of any item that can not be fully verified with original source documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and inconsistent information being reported on my XXXX XXXX XXXX  XXXX account ending in XXXX. The account is being reported with conflicting payment history and status details across the credit bureaus. Specifically, late payment information and account status differ among the reports, which suggests the information has not been properly verified. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I previously requested verification of the accounts accuracy. However, the furnisher and/or credit bureaus have continued to report this account without providing documented proof or validation of the alleged delinquencies. This continued reporting of unverifiable and inconsistent data is damaging my creditworthiness and violates my rights under the FCRA. 

I am requesting a full reinvestigation of this account, removal of any unverifiable or inaccurate information, and correction of the record with all credit reporting agencies to ensure complete accuracy and consistency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief