vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a medical debt being collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) listed under account number # XXXX * * * * {$2500.00}. I believe this collection is inaccurate, improperly validated, and may violate federal consumer protection laws including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX began collection efforts on a debt that I do not recognize and failed to provide proper validation when requested. I did not receive a detailed, itemized bill or clear documentation showing I owe this debt. Despite this, XXXX has continued to pursue collection and may have reported the account to credit reporting agencies, damaging my credit.

I also have concerns that the original medical service may be subject to protections under the No Surprises Act, such as out-of-network charges for services rendered at an in-network facility without notice or consent. This raises further concerns about the legitimacy of the amount being collected. 
This collection activity may violate : FDCPA 809 ( b ) : No proper validation of the debt was provided after I requested it. 
FCRA 623 : Potential inaccurate or unverified credit reporting.

No Surprises Act : Medical billing practices may be in violation if surprise billing occurred.

I respectfully request that the CFPB investigate this matter and ensure XXXX : Immediately ceases collection activities until proper validation is provided. 
Removes or corrects any inaccurate credit reporting related to this account. 
Provides a full, itemized breakdown of the charges and verifies their legitimacy. 
Reviews whether this billing violates consumer protections under federal law. 
I am attaching any relevant documents I have, including correspondence with AssetCare, dispute letters, and credit report entries.

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 2025-07-17 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: TX

Complaint narrative:
I am disputing a medical debt being collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) listed under account number # XXXX * * * * {$2500.00}. I believe this collection is inaccurate, improperly validated, and may violate federal consumer protection laws including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX began collection efforts on a debt that I do not recognize and failed to provide proper validation when requested. I did not receive a detailed, itemized bill or clear documentation showing I owe this debt. Despite this, XXXX has continued to pursue collection and may have reported the account to credit reporting agencies, damaging my credit.

I also have concerns that the original medical service may be subject to protections under the No Surprises Act, such as out-of-network charges for services rendered at an in-network facility without notice or consent. This raises further concerns about the legitimacy of the amount being collected. 
This collection activity may violate : FDCPA 809 ( b ) : No proper validation of the debt was provided after I requested it. 
FCRA 623 : Potential inaccurate or unverified credit reporting.

No Surprises Act : Medical billing practices may be in violation if surprise billing occurred.

I respectfully request that the CFPB investigate this matter and ensure XXXX : Immediately ceases collection activities until proper validation is provided. 
Removes or corrects any inaccurate credit reporting related to this account. 
Provides a full, itemized breakdown of the charges and verifies their legitimacy. 
Reviews whether this billing violates consumer protections under federal law. 
I am attaching any relevant documents I have, including correspondence with AssetCare, dispute letters, and credit report entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Money was taken out of my sisters account XXXX different occurrences within a month for phones from XXXX XXXX. My sister never did business with XXXX XXXX. XXXX phones were delivered to XXXX XXXX XXXX in XXXX XXXX. My sister does not know anyone there. She was bedridden. I am her brother and the only person she knew in this state. She has since passed and Ive trying to get Bank of America to deny these purchases.

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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
XXXX  I called cooper about my account being delinquent in debtors court when I had applied for a covid program that should of mage it current it was approved but they didn't apply it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My account was temporarily in overdraft. I then put the required money to Wells Fargo into my checking account. However, the fee still hit even after I put the money in. All i am asking is for them to remove one {$35.00} overdraft fee, but they did nothing to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I would like to assert that no permissible purpose under XXXX USC XXXXb ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX U.S.C XXXX ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. XXXX U.S.C XXXX ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C section XXXX A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX U.S.C XXXXc ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXXs-2 ( 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. 

XXXX U.S. CXXXX XXXXi ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-17 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a credit card account with Wells Fargo. I set up auto pay from my credit union checking account to zero out the card monthly. My credit union account got hacked so I had to close it out and establish a new account number with them. In the meantime my credit card payment became past due. To settle the matter I got a cashier 's check from my credit union and paid off my balance at Wells Fargo. The statement I got was they close the account because of a suspicious payment and therefore they forfeited my over {$2000.00} worth of rewards dollars.

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 2025-07-17 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} INQUIRIES : XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
While working with Rocket mortgage, their XXXX reported reported disputes. I informed them i do not have any active disputes and requested either a manual underwriting or a rerun of the XXXX. XXXX XXXX, number ( XXXX ) XXXX refused to do either stating that manual underwriting requires a high score. I have requested that the information not required by law be deleted and informed them of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a decent credit score. I received an alert from credit karma stating there was an alert. When I pulled my credit report from transunion there were multiple auto loans, credit card debt from XXXX, and several collection agencies. I called each creditor to ask why there were reporting on my credit report and I had no business at all with them. None of the creditors were about to verify any of my personal information. Each one stated they did not have me in their system. Therefore I call transunion to ask why they were reporting this information and I was told, it had come from the creditor. I filed bankruptcy chapter XXXX XX/XX/XXXX. It lasted for 3 years, there was no way I could have obtained credit for 2 auto loans and several credit cards being in bankruptcy. The representative told me to file a complaint with the FTC. There were many addresses that I have no idea where they came from, I have been living in the same place for almost 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a decent credit score. I received an alert from credit karma stating there was an alert. When I pulled my credit report from transunion there were multiple auto loans, credit card debt from XXXX, and several collection agencies. I called each creditor to ask why there were reporting on my credit report and I had no business at all with them. None of the creditors were about to verify any of my personal information. Each one stated they did not have me in their system. Therefore I call transunion to ask why they were reporting this information and I was told, it had come from the creditor. I filed bankruptcy chapter XXXX XX/XX/XXXX. It lasted for 3 years, there was no way I could have obtained credit for 2 auto loans and several credit cards being in bankruptcy. The representative told me to file a complaint with the FTC. There were many addresses that I have no idea where they came from, I have been living in the same place for almost 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-17 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TN

Complaint narrative:
On XX/XX/scrub> 2025, XX/XX/year>2025, XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-07-17 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: TN

Complaint narrative:
On XX/XX/scrub> 2025, XX/XX/year>2025, XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation