vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00}. CFPB Complaint Filed : Stop Harassing Medical DEBT CollectionDisputes for Medical debt I DO NOT OWE from an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX, Reference : XXXX, The total balance due is {$35.00}. XXXX XXXX XXXX client balance is required to bill XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX. This issue is primarily governed by XXXX XXXX for dual-eligible individuals ( having both XXXX and XXXX ) XXXX regardless of their location within the state of Nevada. For low-income XXXX beneficiaries who are also enrolled in a XXXXXXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX  XXXX XXXX are generally prohibited from balance billing them for XXXX deductibles XXXX coinsurance, and copayments. Contact resulted in conflict I received services at XXXX XXXX XXXX XXXX, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX  plan ( XXXX ) -XXXX XXXX XXXX are {$0.00} cost, per policy/ads. XXXX XXXX XXXX XXXX XXXX XXXX  This is a hardship for me, a XXXX XXXX who is enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX Program, with an income of {$1200.00} per month XXXX XXXX XXXX SUPPORTING DOCUMENT INCLUDED. I DEMAND ALL COLLECTIONS BE REMOVED FROM ANY CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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 2025-11-20 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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 2025-11-20 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: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Follow-Up Demand for Correction of Credit Report Information Under FCRA ( Update Correction of my Social Security number ) To Whom It May Concern, I previously submitted a dispute letter, which was mailed about two months ago [ first letter ], requesting correction of inaccurate information associated with my Social Security number in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Per the law, you were required to complete your investigation and resolve this dispute within 30 days. 
I have spoke a gentleman by the name of XXXX in tier 3, who confirmed that on the XXXX when he spoke with me and this will be taken care of about the XXXX and that did not happen. ( case number XXXX He also stated he would escalate to the tech team. I didnt call back on the XXXX inspect with XXXX . She told me he had not received my documents however, XXXX had already confirmed that you did have my passport and my social. Equifax received them on XX/XX/XXXX and posted on XX/XX/XXXX. Through the CFPB, XXXX express that he would escalate this to the tech team. I then call back and spoke to a young man by the name of XXXX, ( XX/XX/XXXX who told me it would be done And its still not done. The last person I spoke with was XXXX he gave me the case number XXXX and told me it will be done in five days. I have been going back-and-forth for the last fouXXXX months. 
As of today, I have not received confirmation that the requested corrections have been made nor adequate explanation if you declined to do so. This failure constitutes a violation of the FCRAs requirements for accurate and timely credit reporting. 
I hereby demand that you immediately complete the reinvestigation and correct the inaccurate information detailed in my original dispute. If you do not fully resolve this matter within 15 days from receipt of this letter, I will proceed with legal action to enforce my rights under the FCRA. This includes filing a lawsuit seeking statutory damages, attorneys fees, and other remedies available by law. 
I have attached all documentation necessary to support my claim and pursue this matter through the courts if Equifax continues to neglect its legal responsibilities. 
Please treat this matter with the utmost urgency and provide written confirmation of your corrective actions within the stated deadline. 

Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Debt was never validated and had been sent from agency to agency. Never received information from the agency in regards to the account in question. All FCRA codes had been violating with the reporting of account 15 US CODE 1635 15 US CODE 1692g I have made several attempts to get these accounts rectified through the agency and credit bureau and have been unsuccessful. This have been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
Your dispute handling consisted of automated verified as accurate language with zero supporting documentation, which violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) obligation to conduct a reasonable reinvestigation 1681i ( a ) ( 2 ) ( A ) duty to forward all relevant information to the furnisher 1681i ( a ) ( 4 ) to review and consider all submitted evidence 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide method of verification, upon request Instead, you relied on e-OSCAR automated parroting, which courts have repeatedly held is insufficient. 



2. Continued Reporting After Failure to Properly Investigate = Willful FCRA Violation Because you are already aware you were sued, your continued refusal to : obtain original contract-level documents, validate chain of title or assignment, address the specific evidence provided, and correct or delete unverifiable information, constitutes willful noncompliance under 15 U.S.C. 1681n, and negligent noncompliance under 1681o. 



3. DEMAND FOR ACTION ( Final Opportunity Before Additional Legal Remedies ) You are hereby given one more opportunity to avoid further litigation. 
Within 15 days of receipt of this notice, provide : 1. A complete method of verification identifying : the individual who verified the account, the documents reviewed, the date/time of the investigation, and the verification process used. 
2. Full documentation from the furnisher, including : original application/lease/contract, itemized charges, assignment contract or chain of title ( if applicable ), and any records used to verify the account. 
3. Deletion of the account if verification can not be produced in full. 

Failure to comply will result in expanded legal claims, including additional statutory damages, punitive damages, attorneys fees, and injunctive relief. 



4. Cease Verified Without Change Automated Responses You are on formal notice that continued use of automated responses without an actual investigation is bad-faith conduct and will be submitted as evidence of willful violation. 



5. Notice of Intent to Pursue Additional Damages If you fail to comply with this demand, I will proceed with : filing supplemental federal claims for ongoing violations, submitting state AG complaints, pursuing additional claims of willful noncompliance, and seeking sanctions for continued inaccurate reporting after litigation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am sending in response to the notice I recently received from Trans Union regarding a request for my credit information. I would like to confirm that I did not authorize any third party to request access to 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 2025-11-20 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: Certified Solutions, Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Dear TransUnion, Due to the recent class Action lawsuit filed against TransUnion on XXXX XXXX XXXX. I insist vou conduct an investigation as you are required by the FCRA Law. Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$540.00} Amount {$640.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX UT XXXX I have never signed or entered any agreement with or associated with XXXX billing and Collections/aka XXXX XXXX Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. I also request the methods of verification and all documents. 
According to FCRA Section 605B it is illegal to report anvthing on mv credit report without my permission. I have not given my permission to any debt collection entities and hereby revoke any form of electronic signatures from being used under my good name and legal name as recent findings under the Supreme Court shows that auto pen and electronic signatures due not hold legitimate access to my name and do not hold the power of a wet ink signature. Please handle this in a timely fashion as I have the paperwork for a lawsuit filled out and ready for notary stamps and a deposit ready for my county sheriff to deliver this to you as per wyoming state law. If items are not deleted within the 30 days the suit will advance

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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was put on hold forced to wait over and over to be told I'm sorry that's out policy. I do not owe any fees and my account was in positive standings. I was told on first call if I wanted the rest of my paycheck I'd have to unenroll from my pay. Only to find out that the action of " unenrolling '' has incurred a wait time of two weeks or my next deposit. I only called for help to get the rest of my paycheck since my hours are lower due to time of year/seasonal. I was then essentially hung up on by a " superior '' employee of chime, the same overall process happened again and then a third time I sat on hold while at work to ultimately be told tough were keeping your . I only get two paychecks a month and mouths to feed, I am catastrophically harmed in this and am unfortunately not very hopeful whatsoever...

Thank you for your time..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX, and I have been utilizing TsysXX/XX/XXXXXXXX as my Merchant Services provider. According to our contract, the monthly fee was stipulated at {$39.00}. However, I have recently discovered that additional fees have been incurred without my knowledge. I reached out to them via email to request clarification on these extra charges, but they failed to provide a satisfactory explanation. Subsequently, I was charged {$1900.00}, and upon inquiring about the reason for this charge, they refused to provide a response. I am experiencing significant distress due to these unauthorized charges and feel vulnerable as they possess my sensitive information. Therefore, I am seeking the attention of the appropriate authorities to ensure my financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, NOTE THIS MY SECOND WRITTEN REQUEST and this notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no Permissible Purpose by law to contact third parties with my Private or Personal information 15 U. S.C. 6802 ( b ) -Obligation with Respect to Disclosures of Personal Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT FROM THIS COMPANY : CAPITAL ONE, ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$300.00} - I DEMAND this ACCOUNT TO BE UPDATED TO - OPEN/NEVER LATE IMMEDIATLY... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT : CAPITAL ONE, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : $ XXXX UPDATED TO PAID/NEVER LATE OR OPEN/NEVER-LATE, IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone used my credit because I never used my credit and never had any of the accounts that are on my credit. I did not do business with any of these accounts and did not authorize anyone to use my credit or run it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This fraudulent account was removed twice from my credit profile. It was removed once on XX/XX/XXXX and again on XX/XX/XXXX. This account is really damaging by report with all this inaccurate reporting. 
This account is a fraudulent inaccurate account that is reporting on my credit file, and reinserted with proper notification.

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