vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Original creditor name : XXXX XXXX XXXX XXXX 

Collection agency : XXXX XXXX XXXX for the amount of {$1000.00} I do not know what this debt is. Im assuming its a medical bill, stating it was opened XX/XX/XXXX. I have not visited a doctor on XX/XX/XXXX. I also have XXXX. Which I will send proof of my XXXX. 
Also it says online As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has ruled that consumer reporting agencies are prohibited from including medical debt on consumer credit reports, meaning " XXXX XXXX XXXX XXXX XXXX' ( or any similar medical debt ) should no longer appear. So XXXXm not sure why this is being reported? Regardless I have XXXX, so all payments are paid through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-04 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: GA

Complaint narrative:
Medical debt collection is appearing on my report. I disputed this due to the XXXX 2025 rule that medical debt should not affect my score or appear on my report. The bureau denied to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-04 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I am submitting this complaint because I was tricked by a website pretending to represent a legitimate debt collection agency Southwest Credit Systems. The website looked professional and appeared in a paid advertisement at the top of a XXXX search result. It directed me to call a phone number : ( XXXX ) XXXX. 

When I called, the person on the phone sounded professional and claimed to be with Southwest Credit Systems. They told me they needed to verify my identity and pressured me into providing personal information including my full name, date of birth, Social Security Number, physical address, email, and phone number.

I later found out that this number is not associated with the real Southwest Credit Systems and is very likely a scam operation using the name of a known agency to steal identities. I am extremely concerned that my personal information may be used to commit fraud, open loans, or create credit accounts in my name.

This kind of misleading marketing and impersonation is deeply dangerous and should not be allowed to exist online, especially when shown in sponsored search results. I have already frozen my credit and filed reports with identitytheft.gov and FTC, but I want to make sure this number and fake website are investigated and taken down.

I am requesting that the Consumer Financial Protection Bureau investigate this scam and work with the FTC and other relevant agencies to protect consumers from this type of identity theft fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
As an international XXXX customer, I am experiencing an issue accessing and downloading my account statements for my Savings, Checking, and Brokerage accounts. This is due to an incorrect country code linked to my mobile phone number. I reached out to Citibank, including an email to the Executive Response Unit on XX/XX/year>, requesting that the country code be updated so I can receive the verification SMS necessary to access the Citi website fully. 

In their response, I was advised to call the number on the back of my debit card : ( XXXX ) XXXX, as the staff at that number are authorized to modify customer profiles. Unfortunately, this number is no longer operational for any type of call, whether collect or direct, making it impossible to resolve the matter as instructed. 

The solution to this issue is straightforward : the country code should be updated to +54, and the city code ( XXXX ) requires the addition of a 9, resulting in the format 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 non-monetary relief
Consumer complaint received 2025-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/2025 capital one ran credit hard inquiries that I did not know about not gave any permission to. Hard inquiries on my credit report are bringing my score down and they have don't this before. They need to be aware that hard working consumers won't stand for them just running these inquiries at will to intentionally ruin peoples credit. Horrible company that does this. Capital one is a very horrible company with very horrible illegal intentions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
The company contacted my employer on XX/XX/year>. My co-worker sent me an email stating the company name, the name of the person looking for me, and their phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WEBULL PAY HOLDINGS (US) INC
State: FL

Complaint narrative:
I have screenshots and 137 assets missing they said I have no assets in the account and everything is liquidated so I have screenshots for the soul stuff. I have screenshots with the account was opened back in XXXX and now I have no access to it no money Webull trading

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
XXXX XXXX XXXX Unrecognized credit card application.

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 2025-04-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & 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 2025-04-04 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: CL Holdings LLC
State: MD

Complaint narrative:
I am filing this complaint because an inaccurate item is being reported on my credit report by XXXX, XXXX, and XXXX which violates the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified the following inaccurate information : Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX, XXXX XXXX, MN XXXX ( on credit report ) Creditor Phone Number : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount Owed : {$830.00} The account in question reported by XXXX XXXX XXXX is not my original lender. I never opened an account with this company, and I have not received any documentation proving that I owe them a debt. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request that this account be verified with valid documentation or removed from my credit report immediately. I exercised my right under the FCRA and formally disputed the account with the credit bureaus on XX/XX/XXXX, requesting a proper investigation and correction or removal of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX ChexSystems, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : Request to Opt Out of ChexSystems Consumer Marketing Programs To Whom It May Concern : I am writing to formally request that my personal information be removed from all ChexSystems marketing lists and programs. This letter serves as my official opt-out request pursuant to the Fair Credit Reporting Act ( FCRA ).

Please remove my name and all information associated with me from : All pre-screened offer programs All affiliate sharing programs All direct marketing lists Any other marketing or promotional programs you maintain My identifying information is as follows : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MI

Complaint narrative:
Formal Metro 2 Dispute Immediate Deletion of Fraudulent Accounts Under FCRA 605 ( c ) & Related Laws To Whom It May Concern, I am writing to formally dispute multiple unauthorized and fraudulent accounts that have been reported to Equifax under my name. These accounts were opened without my knowledge or consent and are severely damaging my credit standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance, and CFPB guidelines to demand their immediate deletion. 

Fraudulent Accounts in Dispute Credit Accounts : 1. XXXX XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXXXXXX XXXX XXXXk Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX ( WOW Service ) Account ending in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( Consumers Energy ) Account ending in XXXX Legal Basis for Immediate Deletion These accounts meet the criteria for immediate removal under the following laws and regulations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit bureaus to block and remove fraudulent accounts when a consumer provides appropriate documentation.

FCRA 605 ( c ) ( Self-Attestation Statement ) : Under CFPB and Metro 2 guidelines, a consumer can submit a self-attestation form instead of a police report to affirm fraud.

FCRA 609 ( e ) : Grants me the right to obtain all records related to these fraudulent accounts. The creditors must provide this evidence within 30 days or the accounts must be deleted.

FCRA 611 ( 15 U.S.C. 1681i ) : If an item can not be verified as accurate within 30 days, it must be removed immediately from my credit file. 
Copy of my government-issued ID Proof of current address ( utility bill or bank statement ) Self-attestation form under FCRA 605 ( c ) confirming fraud Credit report highlighting the fraudulent accounts Equifax is legally required to resolve this dispute within 30 days per FCRA 611. If these accounts are not removed, I will escalate my complaint to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursue all legal remedies available. 

Please confirm receipt of this dispute and provide an update on its resolution immediately.

Company response to consumer: Closed with explanation