vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to formally report multiple inaccurate, misleading, and unauthorized entries currently being reported on my credit file by the credit reporting agencies. This is my second attempt to resolve these matters, but I have received no legitimate resolution. These errors are causing ongoing harm to my financial stability, access to credit, and peace of mind. 
I demand an immediate, lawful reinvestigation and removal of the following inaccurate, misleading, unverifiable, or legally invalid entries listed below : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$930.00} | Status : Collection * * Issue : This collection account is being reported without my consent, and I have never received any communication from this provider validating the debt. This violates my rights under 15 U.S.C 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ).

Law : FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable investigation, and FDCPA 809 demands debt validation before reporting. 
Story : I have no known business or engagement with XXXX XXXX XXXX XXXX This collection showed up out of nowhere and was never verified or validated. Reporting this account without proper notice is reckless, harmful, and unlawful. 
HARD INQUIRIES ( Unauthorized or Misused Access ) XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXX Issue : All these inquiries were unauthorized. I did not apply for credit products from these companies during the listed times. 
Law : Again, under FCRA 604 ( a ) ( 3 ), these must have been backed by permissible purpose and verifiable consumer initiation. 
Story : These repeated, unexplained inquiries are alarming and point to either fraudulent usage of my information or improper handling by your system. I demand removal of each. 
Requested Resolution : Immediate deletion of the above accounts and inquiries from all credit bureaus. 
Full investigation with proof of verification. 
Confirmation of completion and results provided to me in writing. 
I am attaching copies of my credit reports and supporting documentation. I am also preparing to submit this matter to the Federal Trade Commission ( FTC ) and my state Attorney Generals Office if no satisfactory resolution is achieved. 
Please treat this complaint with urgency and integrity. Thank you for your assistance.

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 2025-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted XXXX XXXX to settle a debt on behalf of Capital One. Capital One still owns the debt and confirmed that XXXX is only collecting the payment. During the call, I asked about settlement terms and whether a pay-for-delete was possible. 

The representative continuously repeated the same phrasewe do not do pay for deleteeven as I asked different, relevant questions. She repeatedly talked over me, ignored what I was asking, and did not provide helpful or respectful service. 

When I respectfully stated that I was looking for alternative options because I was not satisfied with the repeated answer, she muted the phone, refused to speak, and then claimed a supervisor was not available. Eventually, she placed me on hold and the call was disconnected after about XXXX minutes of being stalled. 

I believe this behavior was intentionally obstructive and unprofessional. I was attempting to resolve the debt in good faith and was met with tactics designed to avoid accountability or discussion. 

I am requesting : Review of this interaction Support in obtaining a clear written settlement offer and resolution terms Oversight of this agencys practices, especially since they are collecting on behalf of Capital One and not a debt buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PR

Complaint narrative:
I am reporting inaccurate credit reporting related to my federal student loans with XXXX. My loans are under an approved Income-Driven Repayment ( IDR ) plan with $ 0 monthly payments. 

Although my IDR plan was approved on XX/XX/year>, TransUnion continues to report that I was 30, 60, and 90 days late on payments from XXXX through XX/XX/year>. These late payment marks are incorrect. I was in the process of applying for the XXXX plan prior to XXXX and was not required to make payments during that time. 

I filed a dispute with TransUnion, but the payment history has not been corrected. I also sent documentation and a request for correction to XXXX, but they have not provided a resolution or issued a retroactive correction to the credit bureaus. 

This inaccurate reporting has significantly damaged my credit score. I am requesting that the late payment marks be removed and my payment history be updated to reflect my actual repayment status under the XXXX plan. 

Supporting documentation has been attached to this complaint.

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 2025-08-01 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: PR

Complaint narrative:
I am reporting inaccurate credit reporting related to my federal student loans with XXXX. My loans are under an approved Income-Driven Repayment ( IDR ) plan with $ 0 monthly payments. 

Although my XXXX plan was approved on XX/XX/year>XXXX XXXXn continues to report that I was 30, 60, and 90 days late on payments from XXXX through XX/XX/year>. These late payment marks are incorrect. I was in the process of applying for the XXXX plan prior to XXXX and was not required to make payments during that time. 

I filed a dispute with XXXX, but the payment history has not been corrected. I also sent documentation and a request for correction to XXXX, but they have not provided a resolution or issued a retroactive correction to the credit bureaus. 

This inaccurate reporting has significantly damaged my credit score. I am requesting that the late payment marks be removed and my payment history be updated to reflect my actual repayment status under the XXXX plan. 

Supporting documentation has been attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AR

Complaint narrative:
I am submitting this Identity Theft Affadavit because my personal information was compromised during the Equifax data breach. As a result, multiple unauthorized accounts and hard inquiries have appeared on my credit report. I did not open, authorize, or recognize these accounts. I am formally requesting that these fraudulent items be removed in accordance with my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices 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 explanation
Consumer complaint received 2025-07-31 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: AR

Complaint narrative:
I am submitting this Identity Theft Affadavit because my personal information was compromised during the Equifax data breach. As a result, multiple unauthorized accounts and hard inquiries have appeared on my credit report. I did not open, authorize, or recognize these accounts. I am formally requesting that these fraudulent items be removed in accordance with my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I am requesting reconsideration of your decision regarding my dispute for an XXXX purchase dated XX/XX/year>. The dispute ID is XXXX. The decision to side with the merchant does not reflect the clear evidence that my order was incomplete. The purchase was for a three-piece XXXX XXXX XXXX XXXX XXXX XXXX XXXX, suspender, and tie brief ). I received only the tie brief, while the XXXX and XXXX were missing. XXXX tracking confirms delivery on XX/XX/year>, but the contents were incomplete. I reported this to XXXX on XX/XX/XXXX with photos and proof. On XX/XX/XXXX, XXXX emailed me stating : We understand that your order arrived incomplete, and you received only one item instead of the full merchandise you purchased. Unfortunately, we're unable to authorize a return for this item... We recommend reaching out to your financial institution to inquire about possible options for recovering the funds associated with this transaction. This confirms XXXX admitted the order was incomplete and denied me the ability to return the merchandise. Despite this, my case was closed in favor of the merchant. This decision conflicts with policies for merchandise not as described or incomplete delivery. I previously submitted the order confirmation, screenshots, and photos proving the issue, and I am again including XXXX email. I respectfully request this case be escalated and reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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. 

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 Personal, has violated my rights. 

I looked at my credit bureau Experian credit report onXXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX5 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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. I kindly request that you block this information from my credit report within four business days

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 2025-08-01 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 2025-08-01 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: NJ

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

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 2025-07-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting my account on [ credit bureau ( s ) ] as Closed {$0.00} Balance while simultaneously coding it as Charge-Off/Collection. This is contradictory and misleading under XXXX XXXX reporting standards and violates FCRA 623 ( a ) ( 1 ) ( A ). Despite prior disputes, no original signed contract, payment ledger, or method of verification has been provided as required under FCRA 611 ( a ) ( 7 ).

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 2025-07-31 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: NE

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on my credit reports with Experian, Equifax, and TransUnion. I did not initiate or authorize most of these inquiries and never gave written consent for them. I have submitted disputes to all three credit bureaus, but they have failed to remove them or provide proper documentation showing that I authorized the inquiries. 

I only consented to a few inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other inquiries especially those made around XX/XX/year> were unauthorized, excessive, and possibly fraudulent.

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 2025-07-31 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on my credit reports with Experian, Equifax, and TransUnion. I did not initiate or authorize most of these inquiries and never gave written consent for them. I have submitted disputes to all three credit bureaus, but they have failed to remove them or provide proper documentation showing that I authorized the inquiries. 

I only consented to a few inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other inquiries especially those made around XX/XX/year> were unauthorized, excessive, and possibly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have things on my account still reporting after i disputed those claims because of incorrect information and fraudulent activity and they still have not removed those items and they also had data breaches giving out my information. experian, 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 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: PA

Complaint narrative:
On XX/XX/year>, my son received medical services at XXXX XXXX XXXX in Pennsylvania. However, the hospital failed to properly verify his correct insurance information and instead submitted the claim using an outdated insurance number. Additionally, the claim was sent to an incorrect address and the wrong insurance provider, causing unnecessary delays in processing. 
Upon receiving the initial notification for the outstanding balance of {$5900.00}, I immediately contacted the hospital and provided the correct insurance information. I was assured that the insurance details were updated, and the claim would be submitted accordingly. To ensure proper handling, I also contacted the insurance provider, who confirmed that the hospital filed the claim 180 days after the service date, resulting in a denial due to untimely submission. 
Given that my son was insured at the time of service, and I took all necessary steps to correct the hospital 's filing errors, I firmly believe that this debt is not my responsibility, and this is stated by the law. The hospitals failure to verify and submit the claim in a timely manner led to the rejection, and the burden should not fall upon me to rectify their mistake. 
This was a provider billing error and, per federal and state Medicaid regulations, patients can not be held responsible for charges denied due to the providers failure to submit timely. 
My son is XXXX XXXX, under account number XXXX from XXXX XXXX XXXX. My son has been consistently insured by Medicaid - XXXXXXXX XXXX XXXXXXXX with ID XXXX. 
I request that this debt be removed from collections and that Revco Solutions ( Case XXXX ).

Company response to consumer: Closed with non-monetary relief