vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I was contacted regarding a medical bill dated XX/XX/XXXX, which has been forwarded to a collection agency. During my conversation with the representative, I noted that I had not received any documentation related to this debt via XXXX Mail. The representative claimed that the relevant information was emailed to me on XX/XX/XXXX. Upon checking my email in real-time, I found no correspondence from the agency in my main inbox. The agent suggested that the email might be located in my junk mail folder. However, after a thorough search, I could not locate any such emails. This approach seems to exploit a loophole, as most individuals would not instinctively check their junk mail for debt collection notifications, potentially placing them at a disadvantage. It raises concerns about the fairness of these practices, given that the likelihood of consumers connecting debt collection notices to their junk mail is minimal. The agent from XXXX XXXX XXXX, a debt collector advised me once I find email then call back to pay debt. I stated that this method of communication or lack of is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
It is my belief that under recent government credit reporting laws that medical debt be removed from credit reports. 

Per the cfpb guidelines : On XX/XX/year>, a Consumer Financial Protection Bureau ( CFPB ) rule took effect, prohibiting consumer reporting agencies from including medical debt on credit reports. 

I am not arguing the validity of this debt I am simply stating that under new guidelines it be removed from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Around XX/XX/year>, I found out someone had moved into my house illegally at XXXX XXXX XXXX XXXX. He stole my house and my credit card usage and maxed all of my cards up without my knowledge. My daughter had died leaving my XXXX XXXX XXXX XXXX that I ended up rushing here to Texas to both comfort her and raise her. I am not sure when he began using my credit because he evidently started off suttle. Now every credit card is maxed out, I am left with hundreds of dollars of utility bills that were put in my name, and my credit score dropped from XXXX down to XXXX. I have tried to get companies to work with me, but it has been horrible. On top of that my checking account has taken a {$1400.00} negative slide. There was no lock on my credit so I am not sure what else is out there that is not mine. My credit cards include : XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX. THERE IS ALSO AN UNFAMILIAR CHARGE WITH XXXX, and probably plenty others.

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 2025-04-09 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: TX

Complaint narrative:
Around XX/XX/year>, I found out someone had moved into my house illegally at XXXX XXXX XXXX XXXX. He stole my house and my credit card usage and maxed all of my cards up without my knowledge. My daughter had died leaving my XXXX XXXX XXXX XXXX that I ended up rushing here to Texas to both comfort her and raise her. I am not sure when he began using my credit because he evidently started off suttle. Now every credit card is maxed out, I am left with hundreds of dollars of utility bills that were put in my name, and my credit score dropped from XXXX down to XXXX. I have tried to get companies to work with me, but it has been horrible. On top of that my checking account has taken a {$1400.00} negative slide. There was no lock on my credit so I am not sure what else is out there that is not mine. My credit cards include : XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX. THERE IS ALSO AN UNFAMILIAR CHARGE WITH XXXX, and probably plenty others.

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 2025-04-09 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: PA

Complaint narrative:
I seen multiple soft and hard inquires from XXXX XXXX XXXX XXXX XXXX that were not authorized by me. I did not request any credit/loans for an XXXX XXXX XXXX I was told my XXXX customer service that there were several soft pulls and a hard pulls. I told them I never filled out any credit apps for any XXXX XXXX loan/credit and the soft inquires and or hard inquires they pulled were either fraud or identity theft and i told them I want them removed asap. The rep from XXXX  was not willing to help with at all and I was then transferred several times and no one was willing to help.

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 2025-04-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX XXXX  - XX/XX/year> XXXX/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 2025-04-09 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been attempting to block information from human trafficking on my Equifax credit report and they have not been doing their due dillgence. 

I communicated through mail over XXXX  days ago and never got a response. 

I attempted to communicate through their online portal and immediately received a message saying that they need documentation. 

I included the documentation they are asking for. Ive tried their online portal more than XXXX  times. 

I called and the agents over the phone are not only unwilling to help but wont give me the information i ask for. 

Its obvious they want me to just give up on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I applied for a loan to purchase used vehicle. The seller was XXXX XXXX, the loan amount was financed by Westlake Financial. I paid {$4600.00} cash down on the vehicle and paid $ XXXX for three years. By my calculations I paid {$18000.00}. My credit report does not reflect the same as the contract or my calculations. Furthermore, the vehicle was repossessed, even though I had fulfilled the contract terms. The balance owed which is on my credit report is not correct. I will provide the installment contract as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Dispute of Inaccurate or Unverifiable Federal Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of federal student loan accounts being reported on my credit file. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). Disputed Accounts and Issues Identified Accounts # XXXX, XXXX, XXXX, XXXX error balance amount, payment history & dates The information currently reported is inaccurate, incomplete, or unverified, and I am requesting that it be thoroughly investigated and corrected as required by FCRA 611 ( a ). Legal Basis for My Dispute XXXX. FCRA 611 ( a ) Right to Dispute and Reinvestigation o Credit reporting agencies are required to conduct a reasonable reinvestigation within XXXX  days and remove or correct information that can not be verified. XXXX. FCRA 623 ( a ) ( XXXX ) Accuracy of Information XXXX Data furnishers are required to ensure the accuracy of the information they provide. If they can not verify the disputed data, it must be deleted from my credit report. XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX student loan data must be reported accurately under federal regulations. Erroneous reporting may violate XXXX guidelines. Requested XXXX I request that the credit reporting agency take the following steps : XXXX a full reinvestigation into the disputed accounts. Provide documentation verifying the accuracy of the reported information. Correct or delete any information that can not be fully substantiated. If these accounts can not be verified in compliance with FCRA regulations, they must be removed from my credit file immediately. Enclosures A copy of my ID, proof of address, and Social Security card ( as required for identity verification ). A copy of my credit report highlighting the disputed accounts. I expect a written response regarding the outcome of this dispute within XXXX  days, as required by federal law. Please send your response to the address provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$2900.00}

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 2025-04-09 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-09 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: TX

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX credit managem XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-09 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: TX

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) violations include furnishing inaccurate or outdated information, failing to follow dispute procedures, requesting reports for impermissible purposes, and privacy violations. I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions equifax consistently replies that those collections etc are accurate when let alone they had information like my date of birth incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
While reviewing my credit report, I came across several accounts that I have no knowledge of. I never opened these accounts, and yet they are showing up under my name. This is not only confusing but also incredibly frustrating, as it reflects a financial history that isnt 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 2025-04-09 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-09 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-09 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am requesting a full and fair investigation into the disputed items, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for failing to properly investigate consumer disputescalling them sham investigationsand engaging in other unlawful practices. 

The CFPB highlighted the following problematic behaviors : Conducting inadequate investigations that do not resolve consumer disputes. 

Re-inserting previously disputed and inaccurate information without justification. 

Failing to notify consumers of the results of investigations. 

These systemic issues raise serious concerns about the accuracy and fairness of the credit reporting process. I am deeply concerned that my own dispute may be subject to similar mishandling. 

I am requesting a full investigation into the inaccurate information on my credit report

Company response to consumer: Closed with explanation