vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: KS

Complaint narrative:
This account is inaccurate because the original provider failed to properly bill my insurance, despite my having active health coverage at the time of service. I have enclosed proof of coverage and my Explanation of Benefits ( EOB ), which shows the claim was never submitted. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove this collection account from my credit file. 

The first credit reporting agency, XXXX XXXX, sent me a letter ( attached ) with the debt. I disputed it. Then a different collector, Capio, reported my debt and added more to a statement they sent me. They reported the original amount to my consumer report as debt not paid. I have contacted them explaining this and how my insurance has never received a bill for the debt. My insurance paid all charges from the date of service to XXXX XXXX 's XXXX. They would have paid additional charges if they had been submitted. This is not fair for me to be responsible for a debt that was not submitted and never sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine

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 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I was residing at following address in XXXX  XXXX between XXXX and XXXX, Later moved to XXXX. I was receiving notifications from Sequium Asset solution about balanced owed to XXXX for internet service. I dont think, i owe any balance to comcast and later tried comcast requesting info. they manetioned that I dont own any balance on the account and said that they are not associated with sequium asset solutions. Now Sequium made a derogatory mark on my credit report that i did not pay the cash that i did not owe. 

Debt collection agency : Sequium Asset Solutions LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX internet company : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: A&D Mortgage LLC
State: FL

Complaint narrative:
First and foremost, my email is : XXXX @ XXXX and not, XXXX @ XXXX  @ XXXX. I tried correcting it, but I was not able to. Sorry! 

It stands for our dog XXXX, and he was XXXX. lol Now, to my explanation. 

My mortgage servicer has informed me that I must be at least 60 days late before I can be considered for a loan modification or forbearance. I am experiencing financial hardship due to [ injury/divorce/etc. ] and am trying to proactively seek assistance. I believe this policy is unfair and goes against the spirit of consumer protection laws. I am requesting that the servicer review my application without forcing me to default and damage my credit. I am also in the process of selling my home to ensure direct repayment of the loan. I am asking CFPB to assist in ensuring the servicer reviews my request in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX To : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to XXXX XXXX XXXX XXXX Ref # XXXX Dear Early Warning Services, I am writing to formally dispute inaccurate information associated with my Consumer ID ( XXXX ) that appears in your records. Specifically, I am disputing a reported principal loss amount related to XXXX XXXX under Contribution Reference Number XXXX. This information is inaccurate and the result of fraud. I did not authorize or participate in the transaction ( XXXX ) that led to this reported loss, and I have reason to believe my identity or account was compromised. I am requesting that Early Warning Services investigate this matter thoroughly and remove or correct the erroneous data from my record. Please consider this letter my formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). Enclosed are supporting documents for your review : A copy of my government-issued ID Please provide a written confirmation once the investigation is completed, and notify me of any updates or actions taken. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 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, Balance : {$5300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 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, Balance : {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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 recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my report. Please remove these accounts from my report because they are hurting my ability to obtain credit. Thank you.

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 2025-09-03 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I used a SQUARE account and selected the option to use my spouses bank account ( which was available in the setting and later logged in the same account through Plaid ). I processed {$1100.00} in legitimate business transactions. Shortly after, Square deactivated my account and placed a XXXX hold on the funds. 
At the time, I was under the impression that I could update and correct the account with my proper business information after setup was complete. I did not attempt to withdraw the funds prematurely, and all of the payments were valid and dispute-free. 
The full XXXX hold is creating financial hardship. I am requesting an early or partial release of the {$1100.00} since I can provide documentation proving the legitimacy of the transactions and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Fair Collections And Outsourcing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX States Subject : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c ( c ) To Whom It May Concern : I am formally requesting that you cease all communication with me in relation to the alleged debt associated with : Creditor Name : Fair Collection And Outsourcing Inc Account Number : XXXXXXXX XXXX XXXX Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act, once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must immediately stop all further contact except to : 1. Advise that further efforts are being terminated ; 2. Notify me that certain specific remedies may be invoked ; or 3. Notify me that the debt collector intends to invoke a specific remedy.

As of the date of this letter, you are to cease all written, verbal, or electronic communication with me, including any calls to my residence, place of employment, or through third parties. If you continue to contact me after receiving this notice, it will constitute a direct violation of the Fair Debt Collection Practices Act and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, and my state Attorney Generals office.

Additionally, if this alleged debt is being reported to any of the credit bureaus ( XXXX XXXX XXXX XXXX ), I demand immediate deletion or investigation under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), as the account is disputed. 

This letter serves as legal notice. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
A charge for {$6100.00} appeared on my Wells-Fargo credit card for a purchase I did not make. The purchase was for a wine/alcohol seller in California that I've never heard of ( they also have a web presence ). That retailer is 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 2025-09-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because several unauthorized and unverifiable inquiries remain on my credit file even though I have already disputed them directly with the credit bureaus. These disputes are also part of my active CFPB cases ( XXXX, XXXX, and XXXX ). Despite this, the bureaus have failed to provide any proof of consumer authorization or permissible purpose as required under FCRA 604 and 609. 

The specific inquiries in question include : Experian XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX No signed applications, timestamped authorizations, or subscriber codes have been provided. Instead, the bureaus have exceeded the 30-day reinvestigation period under FCRA 611 ( a ) while continuing to report these items. This violates my rights to an accurate and verifiable credit file.

Reporting unverifiable inquiries also violates FCRA 1681e ( b ), which requires maximum possible accuracy. The continued reporting of these items after CFPB escalation demonstrates willful noncompliance under FCRA 1681n.

These inquiries are damaging to my creditworthiness by lowering my scores under the FICO recent credit behavior factor, reducing my approval odds, and causing financial harm. Because the bureaus have failed to verify with lawful documentation, these inquiries must be permanently deleted and corrected files must be sent to all recipients of my credit report.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for violating my rights under the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ).

I have personally sent multiple disputes directly to the credit bureaus regarding inaccurate and unverifiable accounts on my credit report. I wrote these disputes myself and no third party was involved. Each time I provided full proof of my identity Social Security number and address. 

Even after this the bureaus continue to send me stall tactic letters falsely accusing me of having someone else write my disputes. That is completely false. I have proof that I wrote and signed every single one myself. They are using this excuse to delay and avoid their legal responsibility to investigate.

The law under FCRA 1681i ( a ) ( 1 ) ( A ) says they must conduct a reasonable reinvestigation within 30 days of receiving my dispute. Instead every response I get ignores what I actually disputed and just gives me a generic form letter. They have not shown how they verified anything.

I also have the right under FCRA 611 ( a ) ( 7 ) to know the method of verification. That means they are required to tell me exactly how they verified the information, what source they used and on what date. They have not provided this. For example with the bankruptcy and other disputed accounts they refuse to say who gave them the data or how it was verified. The courts do not report bankruptcies directly to the credit bureaus so they should have to say if they used a third party vendor like XXXX or XXXX. Their refusal to answer this is a violation of my rights. 

I will be uploading my original dispute letters, the proof of identity I sent, the stall tactic letters they sent back to me, and the credit reports showing the accounts I disputed. This will prove that I wrote and signed everything myself, that they falsely accused me of using a third party, that they did not complete a proper reinvestigation within 30 days, and that they never provided the method of verification like the law requires. 

These stall tactics are unfair, abusive, and unlawful. I am asking the CFPB to step in and make Experian XXXX  and TransUnion stop sending these false letters accusing me of third party help and require them to actually investigate my disputes within the XXXX  days the law gives them. I am also requesting that they provide the full method of verification for each account including the exact source of the information and that any items they can not properly verify including the bankruptcy be permanently deleted from my credit reports. 

I do not want to keep waiting while they break the law and delay. I want this resolved immediately.

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