vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received an email from CFPB about a debt I disputed because I was insured at the time and I had called the insurance company and told them about it and they told me there was an issue with paperwork and they never received a claim amount from the hospital. Eventually, they contacted the hospital during the process of me submitting a complaint to the CFPB and I was told I was not to repay the debt and the debt was taken out of collections and taken off my credit report. Now, over a year later, the SAME debt collection agency is calling about the SAME debt I already submitted a complaint about, for the same amount of {$1100.00} and for the same service and date back in XX/XX/XXXX. I spent a long while figuring all of this out and I am incredibly frustrated that as of XX/XX/XXXX I am now receiving more calls about the same debt that was already taken care of. I don't know what to do and I really need help! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CO

Complaint narrative:
It has come to my attention that when XXXX XXXX thrpugh DOGE accessed the federal student loans, it was a breach of my privacy rights, XXXX is my current servicer.

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 2025-04-02 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: CO

Complaint narrative:
It has come to my attention that when XXXX XXXX thrpugh DOGE accessed the federal student loans, it was a breach of my privacy rights, XXXX is my current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CO

Complaint narrative:
It has come to my attention that when XXXX XXXX thrpugh DOGE accessed the federal student loans, it was a breach of my privacy rights, XXXX is my current servicer.

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 2025-04-02 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:
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 2025-04-02 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:
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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Update Credit Report & Investigate Disputes To : Consumer Financial Protection Bureau. 

I am filing a formal complaint against Experian for its persistent failure to update my credit report on a monthly basis, as required by law. The last update reflected on my credit report was in XX/XX/year>, which is unacceptable and has caused severe financial and emotional distress. Attached is a screen shot from their website showing that last update. 

Key Issues : 1. Failure to Update Credit Report Monthly - Despite my credit file being unfrozen, Experian has not updated my credit report in over 16 months. 

- This lack of reporting has hindered my ability to monitor my credit health, detect inaccuracies, and make informed financial decisions. 

2. Unresolved Past Disputes & Questionable Investigations - I have previously disputed charge-offs and discrepancies on my report with Experian.

- The absence of updates raises serious concerns about whether these disputes were ever properly investigated. 

- I demand a full reinvestigation of all past disputes, including charge-offs and inaccuracies, with documented proof of their resolution. 

3. Violation of the Fair Credit Reporting Act ( FCRA ) - Under the FCRA ( 15 U.S.C. 1681 ) **, credit bureaus are required to maintain accurate and up-to-date consumer credit information.

- Experians negligence has directly harmed my financial standing, potentially violating my rights as a consumer. 

Requests for Resolution : - Immediate Update of my credit report ( within10 days ) to reflect all current account activity. 

- A thorough reinvestigation of all past disputes, including charge-offs and inaccuracies, with written confirmation of findings and delete from my credit report. 

- Legal compensation for damages under the FCRA due to Experians failure to comply with federal credit reporting laws.

- Assurance that Experian will adhere to monthly reporting standards moving forward. 

This prolonged neglect has caused significant financial harm including missed opportunities for loans, housing, and employment due to outdated credit information. I urge the CFPB to investigate this matter promptly and hold Experian accountable. 

Please confirm receipt of this complaint and provide guidance on next steps. I am prepared to escalate this matter further if necessary.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: MS

Complaint narrative:
In XXXX, I applied for a loan online with JG Wentworth. They offered me a program for reducing debt, which I initially agreed to. My docs show that you may cancel within 10 days. I sent an email within a couple days to cancel the program. The next day my rep called me trying to convince me that I need this. I did not sign back up. I noticed them trying to withdraw from my bank acct which was odd because they had that bank info as part of the program since I had loans through that bank. They in fact told me to close that acct. since they'd be negotiating with them. So I sent another email telling them to stop. I even forwarded the email proof. I got a response email asking me to call and talk about it. I did not call. Here we are in XXXX and they have tried 3 seperate times to withdraw money from my bank causing me NSF fees. My bank is only responding that I have to stop payment, which will cost me. I have proof of every single one of these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding a violation of my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 USC 1681b ( 2 ), 15 USC 1681c-2, and 15 USC 1681i-2a . 
I have recently discovered that several account profiles, which have been deemed unverifiable, were reinstated to my credit report without my consent or prior notification. This is a direct violation of my rights under the aforementioned sections of the FCRA, which outline your obligations regarding the verification of information and proper notice to the consumer. 
As per 15 USC 1681b ( 2 ), 15 USC 1681c-2, and 15 USC 1681i-2a , I am entitled to be notified within five ( 5 ) business days when such accounts are added or reinstated to my credit report. Your failure to contact me within this time frame constitutes a breach of my rights under the law.

Specifically, the accounts in question appear to have been added back to my credit file despite being previously marked as unverifiable or disputed. This reinstatement of unverifiable accounts has had a significant negative impact on my credit profile, which in turn affects my ability to access fair credit terms and other financial opportunities. 
Request for Immediate Action : 1. Investigation and Resolution : I request that you immediately investigate the reinstatement of unverifiable accounts on my credit report and remove any accounts that can not be properly verified or substantiated.

2. Notification : Please provide written documentation of your findings regarding the reinstatement of these accounts and evidence of compliance with the FCRA requirements, including the proper notices or investigations conducted.

3. Correction of My Credit Report : I request that you correct my credit report to reflect only accurate, verifiable, and substantiated information as required by law. 
Please respond to this complaint within 30 days of receiving this letter, as stipulated by the FCRA. I expect that any improper or unverifiable accounts will be promptly removed, and I will be notified of the resolution. 
Failure to comply with my rights under the FCRA will leave me no choice but to escalate the matter to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any other available legal remedies. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution.

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 2025-04-03 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:
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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. My credit report contains numerous errors that I can no longer ignore, as they are severely affecting my financial stability and preventing me from moving forward. Even more concerning, I have reason to believe that some of this misinformation may be linked with my ongoing issues with fraudulent activity or identity theft. These inaccuracies and mix-up are not just frustratingthey are actively damaging my creditworthiness and making it impossible to achieve financial security.

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 2025-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status 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 explanation
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : 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 explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-03 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief