vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: PA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of birth XX/XX/XXXXXXXX XXXXXX/XX/XXXX To : Credit Bureau Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear Credit Bureau This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ). 
I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) XXXX XXXX XXXX  Disputed Accounts : 1. Fair Collections & Outsourcing [ ] Account XXXX These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted. 
Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported. 
I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections XXXX XXXX XXXX  If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
You have 30 days to complete this reinvestigation and provide a response, as required by law. 
Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, XXXX XXXX Enclosures : ( Copy of Drivers License, Social Security Card, Proof of Address )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
In XXXX, I had an ER visit. I paid the imaging and hospital bills in full. Unknown to me, the facility uses a third-party provider for their doctors ( XXXX  XXXX XXXX of AZ ). 

I NEVER received any bills from XXXX XXXX of this year, nearly XXXX years laterwhen I suddenly got a call and letter from a debt collector ( Credit Management Company ) saying I owed {$890.00}. It also hit my credit score, dropping it by XXXX points ( which Ive disputed ). 

I first called the hospital and learned about the third-party billing ( XXXX ) ( I initially thought it was a mistake at first ). My insurance confirmed no claim was ever submitted by this company. When I called XXXX they admitted they never billed me or my insurance, and they sent it straight to collections ( but didnt explain why which Im assuming is because they made a mistake ). 

My insurance contacted them directly and told them to write it off and rescind the account from collections since it wasnt my fault the claim was never submitted and that I never received a bill. Ive followed up four times since XXXX of XXXX, and they keep saying were working on it, give us XXXX business days, but nothing changes and Im sick of calling them at this point. They are not communicating with the collections agency they sold my debt to. 

In XXXX, XXXX finally sent me a statement ( I can provide proof of this statement ) showing most of the bill was paid ( insurance agreed to pay it despite the late claim submission ), with only {$36.00} of the bill remaining ( which I paid ). Again, XXXX still hasnt communicated this with the Credit Management Company so they still think I owe. 

I sent the statement from XXXX XXXX weeks ago showing my insurance processed the claim as well as the EOB from my insurance company to Credit Management Company via certified mail and have not heard back from them. They still continue to call me, but I am not answering their calls anymore. 

What should I do? 

* * * I can also provide my EOB from my insurance company showing that this claim was processed if need be. I did provide the statement in this complaint from XXXX AZ XXXX XXXX of AZ showing my insurance processed the claim and that my patient responsibility is {$36.00} which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) (
5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am reaching out as a last resort to seek assistance in resolving an issue with a recent online purchase. On XX/XX/XXXX, I ordered several items from an unknown vendor and chose to use XXXX for the transaction, trusting that their consumer protection policy would cover any issues that might arise. The initial invoice I received confirmed that the total was {$15000.00} but I was actually charged {$180.00} I immediately contacted XXXX to dispute the difference, but the case was decided in favor of the vendor even after I send proof of invoice. Over the following month, I still did not receive my full order. Only a month later, one out of the four items arrived, and its quality did not match the description. Despite multiple attempts to resolve the matter with XXXX, the situation remained unresolved, and XXXX consistently ruled in favor of the vendor, leaving me without the protection I had anticipated. 

Eventually, I turned to my bank to dispute the charge, and they are currently handling the case. However, XXXX is still attempting to collect the amount from me, which I find deeply concerning given the lack of resolution and the misleading nature of the vendor. 

I am seeking your support in addressing this issue, as it involves false advertising and a failure to protect the consumer. 

Thank you for your time and attention to this matter. I look forward to your assistance. 


" XXXX 's Buyer Protection program helps buyers get reimbursed for eligible purchases if they don't receive an item or if it's significantly different than described. This includes a full refund for the purchase price and original shipping costs. To qualify, buyers need to file a dispute within 180 days of the purchase date and maintain a good standing XXXX account '' Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am demanding the immediate deletion of an inaccurate and unverified bankruptcy record that you are unlawfully reporting on my consumer file. 

I contacted the court directly and confirmed they do not furnish XXXX  records to LexisNexis or any credit reporting agency. That means you obtained this information through a third-party database, likely XXXX, which does not meet the FCRAs verification standards. This is a clear violation of the Fair Credit Reporting Act.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that is inaccurate, incomplete, or unverifiable must be deleted. The XXXX you are reporting is not only unverifiableit was also fully discharged and no longer holds any legal or financial weight. Continuing to report it misleads other parties and severely damages my creditworthiness.

Your actions fall under willful noncompliance, which makes you legally liable under 15 U.S.C. 1681n. If you do not act immediately, I will seek all available legal remedies, including statutory and punitive damages, attorney fees, and formal complaints to the CFPB, FTC, State Attorney General, and XXXX. 

My demands are as follows : Permanently DELETE the unverifiable XXXX  record from your database. 

Provide written confirmation that the deletion has been completed. 

Notify XXXX XXXX XXXX XXXX that you have removed this record from your files. 

You have 30 days from the receipt of this letter to comply, or I will proceed with enforcement actions under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 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 asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

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 2025-06-26 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NM

Complaint narrative:
Amsher contacted me about a debt I never knew I had. The debt came from a company who had my physical address on file, but USPS does not deliver to that address where I live. I have a seperate PO Box address for those reasons. However, I couldn't give them the correct MAILING address because they didn't contact me. I had also checked with the company when I canceled my service if my last bill was final, and they assured me that it was. I was caught very unaware when the debt collector contacted me. I was contacted a second time, because I had asked to see a bill for the charges they were attempting to collect and did not receive one. In the second conversation, the debt collector was rude, condescending, and entirely unhelpful. She would interrupt and keep talking without allowing me to correct the information she kept stating over and over. Then I was transferred to a manager, whom I thought would be more helpful. Not only was he just as rude, he rambled off their website information when I asked how to communicate with them about my debt. I was not allowed to ask for spelling confirmation, I was barely able to write down my account number he provided, he would not slow down, and when I asked which phone number I could use to contact them because their website and the number they called from were different, he talked over me entirely, would not slow down, and hung up on me without even answering any more questions I had. He mentioned I could use the website to submit documents to dispute my charges ( which I still have never seen a bill for ), but I wasn't given the chance to even ask how to do that process on their website. Both people with that company were so mean to me, talking to me like I'm some criminal who purposefully did this. Little do they know I have an exceptional credit score, which would indicate the opposite. They twisted my words, accused me of things that were not true, and were overall impossible to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Experian, Transunion and Equifax are all reporting to my personal consumer report wrongly, I paid over XXXX dollars of debt off a few years ago and the agencies are not reporting correctly, there are things that should not be on my report. It is hurting me financially and it is a defamation to my character and my name.

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 2025-06-26 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: TX

Complaint narrative:
Experian, Transunion and Equifax are all reporting to my personal consumer report wrongly, I paid over XXXX dollars of debt off a few years ago and the agencies are not reporting correctly, there are things that should not be on my report. It is hurting me financially and it is a defamation to my character and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-26 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief