vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$580.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Yes, unpaid medical bills can negatively affect your credit, especially if they are sent to collections, but the Consumer Financial Protection Bureau ( CFPB ) has taken steps to limit the impact of medical debt on credit reports.

Here 's a breakdown : How Medical Bills Affect Credit : Medical bills themselves don't typically appear on credit reports if paid on time.

However, if a medical bill goes unpaid and is sent to a collection agency, it can be reported to credit bureaus and negatively impact your credit score.

Collections accounts can stay on your credit report for up to seven years.

CFPB Rule : In XX/XX/XXXX, the CFPB finalized a rule that prohibits consumer reporting agencies from including medical debt on credit reports. 
This rule also prohibits lenders from using medical information to assess borrowers ' creditworthiness. 
The rule aims to remove an estimated {$49.00} XXXX in medical bills from credit reports for nearly XXXX XXXX Americans. 
Previous Changes by Credit Bureaus : In XXXX, the three major credit bureaus ( XXXX, Experian, and XXXX ) a

greed to remove certain types of medical collections from credit reports, including paid medical collections, medical collections under {$500.00}, and collections less than a year old. The changes were intended to address concerns about the impact of medical debt on consumers ' credit scores. What to Do : Check your credit reports regularly for any inaccuracies, including medical collections. Dispute any incorrect information with the credit reporting agency. If you have medical debt, try to pay it off or negotiate a payment plan with the provider or collection agency. Be aware that even with the new CFPB rule, you are still responsible for paying your medical debts. Show more Most healthcare providers do not report to the three nationwide credit bureaus ( XXXX, Experian and XXXX ), which means most medical debt billed directly by physicians, hospitals or other healthcare providers is not typically included on credit reports and does not generally factor into credit scores.

XXXX XXXX XXXX Can Medical Collection Debt Impact Credit Scores? - 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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
DEBT VALIDATION LETTER / CEASE & DESIST XX/XX/XXXX & XX/XX/XXXX I UPLOADED THE LETTER THAT WAS SENT TO DEBT COLLECTOR XXXX XXXX XXXX XXXX 
The debt collector place XXXX account on my credit report profile without my consent and they're all in open status on XX/XX/XXXX, {$1400.00} / XX/XX/XXXX, {$870.00} / XX/XX/XXXX, {$1000.00}. They fail to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These credit card were open with someone using this address that has never been my address XXXX XXXX XXXX XXXX, PA XXXX XXXX I have requested Experian Equifax and Trans Union to remove this address off of My Credit profile. They continue to report this address which keeps the disputes open that I have been submitting on these Credit companies from removing this incorrect information from my credit report. 

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 XXXXXX/XX/year> These accounts are reporting incorrect information on my credit report. I was a victim of identy theft while I was incarcerated. I contacted these companies and asked them to stop reporting incorrect information that is not mine. They refused and are still incorrectly reporting. Experian exquifax and transunion

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These credit card were open with someone using this address that has never been my address XXXX XXXX XXXX XXXX, PA XXXX XXXX I have requested Experian Equifax and Trans Union to remove this address off of My Credit profile. They continue to report this address which keeps the disputes open that I have been submitting on these Credit companies from removing this incorrect information from my credit report. 

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 XXXXXX/XX/year> These accounts are reporting incorrect information on my credit report. I was a victim of identy theft while I was incarcerated. I contacted these companies and asked them to stop reporting incorrect information that is not mine. They refused and are still incorrectly reporting. Experian exquifax and transunion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I tried to dispute this account through Experian. I do not know Leafy Financial and I did not have a contract with this company. This company has sent me emails as well as called my family members to speak with me. I do not know how this company got my aunt 's number, but they have been calling her, and she asked them to stop but they still call her. They call me as well and I block the number, but they call from a different number. When they call me, the representative wants me to verify my social number, address, name DOB. I tell them that I do not feel comfortable with providing my personal information to a stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Deposited a personal check from an employer an 11 day hold was placed on the check. I called the next day to see if they could remove the hold as I was on the phone they froze my account and said the check was fraudulent and they needed to verify with the check issuer that they wrote it. I gave them the check issuer phone number and they said that they couldnt make contact due to the number not being registered to the check issuer it was registered to his wife instead. After explaining this she called him anyway and verified everything told him everything was good then 5 minutes later took me off hold and told me she was unaware the number was not registered to him. I called again to see what other route I could take to verify or when the check would be returned to the issuer and they told me it wasnt a fraudulent check and the money would not be returned after they closed the account and they would hold the money for 3-5 years or untill the check was verified. The check has been cleared through the issuers bank and they cant stop pay because have already cleared the check on there end also but have left my account frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXXXX/XX/2023 Someone went into to XXXX and filled out application in my name without proper identification or social security number. When I contacted XXXX they said that it was an attempt to commit fraud using my name. 

There are 6 inquiries on my credit history that did not provide any services for me. These mortgage companies ran my credit workout my knowledge or permission. I want these inquiries removed from my credit report immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
this is factual disputing Experian you are reporting a active account that XXXX and XXXX states closed enclosed is the proof

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had an account with Capital one bank for many years. The issue began when I became XXXX on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institution, without even as much as a alte payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored and the account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I do not recognize this address, please remove thank you 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 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX Inaccuracy in report late payments to all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are as follows XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Upon reviewing my Equifax credit report on XX/XX/year>, I noticed several discrepancies and incomplete information. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it must employ reasonable procedures to ensure maximum possible accuracy of the information contained in the report, as outlined in 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681i, if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify the information, as appropriate. They must also notify the furnisher of the information that it has been deleted or modified from the consumers file.

Additionally, under 15 USC 1681s-2, a person or entity shall not furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate.

As such, I am requesting a prompt investigation and correction of the inaccurate and incomplete information listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
Crypto.com has refused to assist with the recovery of {$5000.00} that was lost due to coercion and financial fraud. Ive submitted multiple prior complaints, and despite acknowledging the presence of fraud, they continue to refer me to a prior final stance email that does not address the actual facts of the case. 

They have now officially acknowledged that coercion and fraud occurredbut still refuse to take action or escalate internally. This contradicts their stated policies and constitutes bad faith handling of a serious financial crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: SC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 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: OH

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-06 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: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 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: MI

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. 
XXXX XXXX XXXX # XXXX Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation