vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing a medical debt that XXXX XXXX XXXX ( MCM ) claims I owe. On XX/XX/year>, I sent them a written letter formally disputing the debt and requesting full validation, including proof of obligation and an itemized breakdown. 

This debt does not belong to me. It was incurred by another person, but the account was opened under my name to help them pay for a medical procedure. I do not acknowledge this debt as mine. 

Important note : In a previous CFPB complaint, I mistakenly attached a letter intended for a different collection agency. That submission was incorrect. This current complaint contains the accurate details and the correct letter sent to XXXX. 

As of today, XXXX has not provided any response or validation. I am requesting that this matter be reviewed and the collection activity against me be stopped. 
I have attached the correct dispute letter for reference

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 2025-05-23 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to you regarding a debt you claim I owe. This letter is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt and request that you provide all of the following information so that I may fully understand and verify the legitimacy of this claim : The amount of the debt ; The name of the original creditor ; A copy of the original signed agreement or contract which shows I am legally obligated to pay this debt ; A full accounting of the alleged debt, including all charges, fees, interest, and payments made ; Verification that you are legally authorized to collect this debt in my state ;

Company response to consumer: Untimely response
Consumer complaint received 2025-05-23 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: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 seven years.

15 U.S.C. 1681s-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.

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 2025-05-23 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: MD

Complaint narrative:
This is a follow-up to a previous dispute I submitted regarding the account in question. Despite my efforts, the account continues to show inaccurate and incomplete information on my credit report. I am now formally requesting a detailed description of the procedures used during your investigation. You are legally required to provide this within 15 days of receiving this notice. If you can not verify the information or fail to respond, I request that the disputed items be removed. Attached is my written request for your reference. Thank you in advance for your timely response.

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 2025-05-23 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: NY

Complaint narrative:
I am submitting this complaint against Equifax due to the improper reinsertion of a previously disputed and deleted account, as well as the continued reporting of inaccurate information. 
I previously filed a dispute regarding a tradeline reported by XXXX XXXX XXXX, and the account was subsequently removed from my Equifax credit report. However, I recently received a letter from Equifax ( attached ) stating that the account has been reinserted. 
The reinserted tradeline includes inaccurate information, most notably an incorrect account opening date. The date currently being reported does not reflect the actual date the account was opened. This error remains uncorrected even after the item had already been deleted following a dispute. 

Furthermore, Equifaxs records show that XXXX XXXX submitted an update to this tradeline on XX/XX/year>, just four days after they told the CFPB ( in response to a previous complaint ) that the information was already accurate and required no changes. This calls into question both the validity of the certification process and the accuracy of the data being reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 5 ) ( B ) : A credit reporting agency may not reinsert previously deleted information unless the furnisher certifies the accuracy of the information.

The agency must provide written notice to the consumer within five business days of any such reinsertion.

In this case : I was not provided with sufficient or timely notice of the reinsertion The reinserted information remains inaccurate There is no evidence that Equifax obtained a proper certification of accuracy from the furnisher I am requesting that the CFPB : 1. Investigate Equifaxs handling of this account reinsertion 2. Require permanent deletion of the tradeline if accurate certification and data can not be verified 3. Review whether Equifax complied with all relevant FCRA reinsertion and notification procedures 4. Enforce any necessary penalties or corrective actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: DE

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address, and SSN Card.

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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am filing a complaint regarding a debt that I believe is invalid and the result of poor recordkeeping by a gym I previously had a membership XXXX  ( also known as XXXX XXXX  ). 

On XX/XX/year>, I contacted XXXX through the same phone number they use to communicate with members to request the cancellation of my membership. I received a reply acknowledging my cancellation and was told that I needed to come in person to sign a cancellation form and that I would be charged one final month. 

I complied with their requestvisited the gym, signed the cancellation form, and was charged one final month, which I paid. I retained proof of this final payment and provided it to Aldous & Associates, the collection agency attempting to collect a further balance. 

Despite fulfilling all of XXXX  cancellation requirements, I was informed by Aldous & Associates that XXXX claims there is no valid cancellation on record. I dispute this debt entirely. I should not be penalized for XXXX  failure to properly document or maintain records of my cancellation. I have made every effort to resolve this issue directly and have provided documentation proving that I met my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a hotel stay at XXXX XXXX XXXX in XXXX XXXX through XXXX for April XXXX XXXX. My XXXX confirmation stated I would be charged {$45.00} at the property. However, I was charged {$170.00}. 

In addition, the room had cockroaches, making it unsanitary and unacceptable. I reported this to XXXX, opened XXXX # XXXX, and provided documentation, including the booking confirmation and my credit card statement. 

I then disputed the charge with Chase Sapphire Reserve. I was denied on the basis that I stayed the full duration of my reservation, but staying does not equal acceptance of unhygienic conditions. We arrived late, had no practical way to relocate, and reported the issue through the appropriate channels. 

I am requesting a full refund due to overbilling and the hotel failing to meet basic health and safety expectations. Both XXXX and Chase failed to resolve this, despite receiving all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXX, SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Misleading Gym Membership Sale and Improper Dispute Handling by Huntington Bank I am filing this complaint due to deceptive sales practices by LA XXXX and Huntington Banks improper handling of my dispute regarding a gym membership charge. 

I purchased a 12-month membership at XXXX XXXXXXXX , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, because of its close proximity to my home and the amenities advertised, especially the basketball court. The sales representative promised a 6-month bonus added to the first year and fee reductions on renewals. Based on these promises, I canceled my previous gym membership nearby. 

However, just two months after signing up, the XXXX location permanently closed without any prior notice or communication. I was not offered a refund, compensation, or a reasonable alternative nearby. Instead, I was told to use a location 20+ minutes away, which defeats the reason I chose this gym. 

I contacted Huntington Bank to dispute the charge due to services not rendered and breach of contract. Huntington Bank denied my dispute citing their internal 60-day policy for disputes. This policy ignores that the breachthe gym closureoccurred after the charge and outside my control. Because the gym closed two months after my sign-up, I could not have disputed it within their 60-day window. 

This is the second time Huntington has wrongly denied my dispute by claiming the charge was authorized, despite my clear explanation that this dispute is about breach of contract and deceptive business practices, not unauthorized transactions. Their failure to properly review my complaint feels like they are dismissing me without investigation. 

I am requesting the CFPB investigate and hold XXXX XXXXXXXX accountable for deceptive sales and breach of contract, and hold Huntington Bank responsible for improperly denying my dispute and failing to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was placed on a forbearance plan scheduled to last six months. When my area was declared a disaster zone, I contacted Nelnet and was informed that no further action was required on my part to maintain the forbearance status. 

In XXXX, I discovered that my credit score had dropped by approximately XXXX points. Upon contacting Nelnet, they acknowledged the issue and updated my account status. However, despite this correction, the reported late payments were not removed from my credit report. 

These late payments appear to have been reported in error, given the forbearance status and the information I received from Nelnet at the time of the disaster declaration. Nelnet corrected the payment issue however did not report to Credit Bureaus. I am requesting that all inaccurately reported late payments be removed from my credit report to reflect the proper forbearance terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief