vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: OR

Complaint narrative:
Transunion has several collections listed on my credit report that I have not once been notified of nor do I have any knowledge of what they are from as I have no connection to the accounts listed in my collections. In order they are, XXXX XXXX XXXX for {$7100.00} opened on XX/XX/XXXX, XXXX XXXX  for {$640.00} opened on XX/XX/XXXX, XXXX {$160.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX for {$3100.00} opened on XX/XX/XXXX. I have attempted to dispute these collections that are not mine several times, each being unsuccessful without reasoning or explanation.

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 2025-07-16 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: OR

Complaint narrative:
Transunion has several collections listed on my credit report that I have not once been notified of nor do I have any knowledge of what they are from as I have no connection to the accounts listed in my collections. In order they are, XXXX XXXX XXXX for {$7100.00} opened on XX/XX/XXXX, XXXX XXXX  for {$640.00} opened on XX/XX/XXXX, XXXX {$160.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX for {$3100.00} opened on XX/XX/XXXX. I have attempted to dispute these collections that are not mine several times, each being unsuccessful without reasoning or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
I noticed a derogatory remark on my credit report regarding an alleged debt in the amount of {$3100.00}, which you claim I owe. I am formally requesting validation of this debt as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request and receive proper documentation verifying this debt. Accordingly, please provide me with the following : 1. The name and address of the original creditor ; 2. A copy of the original signed agreement or contract showing my obligation to the debt 3. A detailed statement of the account including : - The full breakdown of the amount claimed ( principal, interest, fees, etc. ) ; -The date of the original debt and any payments or charges made since ; -Proof that Jefferson Capital Systems , LLC has the legal right to collect this debt ; -Verification that the statute of limitations on this debt has not expired ; -Your companys debt collector license number and the state ( s ) in which you are licensed. 

Until this information is provided, I request that all collection activities, including reporting to any credit bureau, be ceased. Any attempt to collect a debt without proper validation is a violation of federal law and is now being reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

This is not a refusal to pay but a request for validation. Please note that any further communication regarding this matter should be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: HI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: WA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment reflected on my credit report. Upon reviewing my payment records, I found no indication that this payment was made after the due 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX a law firm located in XXXXXXXX XXXX  stole {$14000.00} from my XXXX XXXX XXXXXXXX account. No notice was given, service did not occur. I dispute the original debt they claimed which was a little owe {$7000.00}, and even more so I am appalled they took {$14000.00}. What they told me is to get back the {$7000.00} they are holding ransom, I would need to go visit the XXXX branch manager and sign some kind of legal document without having the opportunity to have this reviewed by my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Smith Rouchon and Associates provided a breakdown of debt owed. I have since paid the bill down under {$500.00}, and they are still reporting a medical debt on my credit report. According to the law and XXXX, they are violating my rights and are not supposed to report medical debt on a credit report. 

Also, Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) XX/XX/year> The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bankXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Experian and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ) through the unlawful reinsertion of accounts that were previously deleted for failing to meet compliance standards. especially considering the massive data leak between these XXXX bureaus that have helped foster the wrongful reinsertion of these XXXX accounts. 

The XXXX accounts in question are : XXXX XXXX XXXX Account ending in XXXX XXXX Account ending in XXXX These accounts were previously removed from my XXXX credit file after being found inaccurate, unverifiable, and noncompliant with the FCRA. I have attached documentation to support this. 
However, both Experian and TransUnion have since reinserted these accounts onto my credit reports without following the legally required protocols outlined under federal law. 

This includes : 15 U.S.C. 1681i ( a ) ( 1 ) : I exercised my right to dispute inaccurate information. The accounts were removed and should not have reappeared unless certified by the furnisher. 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If a credit bureau re-reports a previously deleted item, they must obtain certification of accuracy from the furnisher and provide written notice to the consumer within XXXX business days. I received no such notice or documentation of any certification. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Consumers have the right to be notified of the results of any reinvestigation. I was given no explanation or documentation related to the reappearance of these accounts. 

These reinsertions were made without my knowledge, without my consent, and without proper verification or notification, which directly violates my consumer rights. 
As a result of these unlawful actions, my creditworthiness has been negatively impacted, and I have suffered damages, including delays in funding opportunities and increased costs of credit.

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 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Report XXXX XXXX XXXX XXXX ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy of an entry listed on my credit report. The item in question is associated with : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Current Status : Charged Off Reported Balance : {$17000.00} Date of Status : XX/XX/year> I believe this information is inaccurate or incomplete, and I am requesting that it be investigated and either corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am requesting that your office verify the accuracy of this information with the creditor. If the creditor can not provide sufficient documentation to validate the debt and the charge-off status, I request that this entry be removed from my credit file. 

Enclosed are copies of [ any relevant documents you have e.g., billing statements, payment confirmations, or correspondence ] supporting my position. 

Please complete your investigation of this matter and provide me with a written response within the 30-day period as required under the FCRA. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Report XXXX XXXX XXXX XXXX ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy of an entry listed on my credit report. The item in question is associated with : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Current Status : Charged Off Reported Balance : {$17000.00} Date of Status : XX/XX/year> I believe this information is inaccurate or incomplete, and I am requesting that it be investigated and either corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am requesting that your office verify the accuracy of this information with the creditor. If the creditor can not provide sufficient documentation to validate the debt and the charge-off status, I request that this entry be removed from my credit file. 

Enclosed are copies of [ any relevant documents you have e.g., billing statements, payment confirmations, or correspondence ] supporting my position. 

Please complete your investigation of this matter and provide me with a written response within the 30-day period as required under the FCRA. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, 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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent them a letter requesting validation of alleged debt with XXXXXXXX XXXX who is representing XXXX XXXXXXXX XXXX  and XXXX. I asked them to send me information in accordance with the Fair Credit Reporting Act ( FCRA ) validating the reporting and details of their process because this is inaccurate. 

On XX/XX/year>, I sent them a letter informing them that I haven't received the requested information and due to their failure to respond I asked for them to stop reporting this inaccurate information on my credit report and to immediately remove it. To this date I still have not received the requested information, and they are still reporting this to my TransUnion Credit report.

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 2025-07-16 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year> I received an e-mail from Wells Fargo Fraud Department alerting me that a person or company by the name of XXXX used my debit card to try and take {$240.00} out of my account that charge was declined by the bank. On XX/XX/year> there were XXXX transactions that were in pending status. I asked the bank why did they accept these charges. The charges posted on my account on XX/XX/year>. All these charges I was told by the bank the person used tap and pay. These charges were out of XXXX. I have never gone to XXXX  or given my debit card to anyone. The bank declined the {$240.00} but allowed the other charges which were XXXX charges for {$180.00} and XXXX charge for {$100.00} post my account. The bank verbally told me they could not give me my money back. This has caused a hardship on my finances and stress. I will no longer be using this bank at the end of XXXX. I have to now transfer all of my accounts to XXXX XXXX which will take me some time.

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 2025-07-16 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: MOHELA
State: NC

Complaint narrative:
I have a complaint claim that has been pending a response from Mohela past the 60 days, as of XX/XX/year> I would like to get the items removed by the company in a timely manner for case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-07-16 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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