vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-16 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-16 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: Experian Information Solutions Inc.
State: AZ

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 XXXXb ( 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
A Discover credit card that was opened on XX/XX/XXXX was charged off on XX/XX/XXXX. On my credit report it says that the company marked said account as a " Profit and loss write-off '' ; but I never received a 1099-C so that I would have to write it off as income. 
My credit is still reporting the account and has been marking delinquency payments, last report was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Credit Karma, LLC
State: DE

Complaint narrative:
I received my XXXX credit report and Credit Karma made XXXX inquries in 2 years including most recently for XXXX : XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX ( 3 days in a row ) XX/XX/XXXX, XXXX, XXXX XXXX XXXX This continues every month thru XX/XX/XXXX. 
I did not open any new accounts or attempt to do so ( no new job, no new phone, no new electric/gas, no new internet, no new applications for anything ) There is no reason a company should be doing this. I know they don't count towards my score but this is a constant and unnecessary invasion of private information. 
I requested they stop and they said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVEANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MYPRIVACYRIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNT FROM MY CONSUMER REPORTNOLATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. ACCOUNTS : XXXX XXXX XXXX {$2900.00} XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TN

Complaint narrative:
XX/XX/XXXX To : [ Experian / Equifax / TransUnion ] [ Credit Bureau Mailing Address see below ] Subject : Dispute of Paid & Closed Account Request for Correction or Deletion Under 15 USC 1681i Dear [ Experian / Equifax / TransUnion ] Dispute Department, I am writing to dispute a closed account that is inaccurately or unfairly reported on my credit file. This account has been paid in full and closed, yet it continues to reflect negatively and/or with outdated or inaccurate information. 

Account Details : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX Date Closed : XX/XX/XXXX Current Status on Report : Paid/Closed, Charged-Off. 

Reason for Dispute : The account was fully satisfied and closed, yet it still shows a derogatory status, charge-off, or past-due balance. This does not accurately reflect my payment history or the current status of the account. Reporting a paid and closed account as derogatory is both misleading and unfair under the Fair Credit Reporting Act ( 15 USC 1681i ).

Request : I am requesting a reinvestigation of this account and one of the following actions : Update the status to Paid in Full Closed, with a XXXX balance, and remove any derogatory remarks, or If the data can not be fully verified or updated accurately, please delete the account entirely from my credit report as required by law. 

Attached is proof of payment and documentation showing the account was resolved.

Please complete the reinvestigation within the 30-day window provided by law and provide me with written results of your findings. 

Sincerely,

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 2025-06-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have reviewed my credit report and noticed claims suggesting that I XXXX owe you a debteither past or present. However, no supporting evidence has been provided to validate this claim. I am formally requesting the immediate deletion of any XXXX items reporting against me that lack mandatory physical documentation or fail to meet the certified XXXX XXXX format reporting standards. 

You are required to provide legally verifiable evidence that supports any claim you report or collect on. If you can not do so, you must delete all unverifiable, inaccurate, or non-compliant items from my credit report. Furthermore, I demand proof of your lawful authority to conduct business with me, and request evidence that any such reporting is in full compliance with federal consumer protection laws. 

You are not authorized to XXXX  my creditworthiness or financial profile based on unproven or incorrect data. Should you fail to comply with this demand within XXXX  days of receipt, you are required to cease all reporting, collection efforts, and further communication regarding these accounts. Continued action without proper authority will be considered XXXX  or XXXX, which XXXX violate criminal statutes in my state. If necessary, I will escalate this matter through legal channels. 

I am formally disputing the following information in your files : Inquiries Being Challenged XXXXXXXX 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 XXXXXXXX * * * * Personal Information Being Challenged Incorrect Name : XXXX, XXXX, XXXX XXXX XXXX : XXXX Incorrect Previous Address XXXX XXXX, XXXX, XXXX XXXX XXXXncorrect Previous Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Employer : XXXX  Employer : XXXX XXXX I am entitled to accurate, complete, and verifiable reporting under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, specifically the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. To resolve this, I am giving you XXXX  days to review, verify, and correct all claims as required by law. 

To confirm lawful reporting, I demand a notarized statement from a person with direct knowledge of each account, affirming the following : The debt was legally incurred by me It is not the result of fraud, defective products, or canceled services It was not written off, XXXX, or claimed as a loss or tax deduction It was never paid by a XXXX or covered by insurance If you can not provide these items, you must delete the accounts immediately.

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 2025-06-16 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: AZ

Complaint narrative:
I have reviewed my credit report and noticed claims suggesting that I XXXX owe you a debteither past or present. However, no supporting evidence has been provided to validate this claim. I am formally requesting the immediate deletion of any XXXX items reporting against me that lack mandatory physical documentation or fail to meet the certified XXXX XXXX format reporting standards. 

You are required to provide legally verifiable evidence that supports any claim you report or collect on. If you can not do so, you must delete all unverifiable, inaccurate, or non-compliant items from my credit report. Furthermore, I demand proof of your lawful authority to conduct business with me, and request evidence that any such reporting is in full compliance with federal consumer protection laws. 

You are not authorized to XXXX  my creditworthiness or financial profile based on unproven or incorrect data. Should you fail to comply with this demand within XXXX  days of receipt, you are required to cease all reporting, collection efforts, and further communication regarding these accounts. Continued action without proper authority will be considered XXXX  or XXXX, which XXXX violate criminal statutes in my state. If necessary, I will escalate this matter through legal channels. 

I am formally disputing the following information in your files : Inquiries Being Challenged XXXXXXXX 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 XXXXXXXX * * * * Personal Information Being Challenged Incorrect Name : XXXX, XXXX, XXXX XXXX XXXX : XXXX Incorrect Previous Address XXXX XXXX, XXXX, XXXX XXXX XXXXncorrect Previous Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Employer : XXXX  Employer : XXXX XXXX I am entitled to accurate, complete, and verifiable reporting under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, specifically the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. To resolve this, I am giving you XXXX  days to review, verify, and correct all claims as required by law. 

To confirm lawful reporting, I demand a notarized statement from a person with direct knowledge of each account, affirming the following : The debt was legally incurred by me It is not the result of fraud, defective products, or canceled services It was not written off, XXXX, or claimed as a loss or tax deduction It was never paid by a XXXX or covered by insurance If you can not provide these items, you must delete the accounts immediately.

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX I deposited XXXX checks with 5/3 mobile banking app XXXX for {$120.00}, XXXX for {$900.00}, and XXXX for {$3600.00} the {$120.00} check said funds available the next day. The {$900.00} check said available immediately, the {$3600.00} said available next day. Then I also deposited a check at the bank for {$3100.00}. the next day XX/XX/XXXX the funds are not available for any of the check except the {$900.00} immediately.... So I call and ask why are the funds not available. I was directed to a XXXX XXXX in XXXX XXXX 5/3 bank. She informed me I need to send copies of the receipts and job quotes for my business to insure these are legitimate transactions... So I sent her all the information, the customers phone numbers addresses, everything... She calls and says once she can verify the funds were taken out of they paying participants accounts. She could then lift the reg cc holds on those XXXX checks. My customers received phone calls from XXXX XXXX, she requested their banks contact her to insure the funds have been taken out. All XXXX different banks have had the money taken out of their accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have left XXXX messages with XXXX XXXX today and got no response. I called XXXX other 5/3 banks with no help at all. Was told they can't do anything about it. I even informed them the money has been taken out of my customers accounts and it is not in mine. NO ONE can locate my money or tell me where it is. Now because these XXXX checks have not deposited into my account, XXXX checks I have written have now been returned and I will owe XXXX over draft fees for them, I was unable to pay my employees on XXXX  and I am unable to purchase materials for a job we was supposed to start today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
XXXX is reporting a closed credit account with a {$0.00} balance as derogatory, despite the absence of any delinquency or consumer fault. The tradeline shows dispute resolved consumer disagrees, which falsely implies I remain in disagreement or that the account is delinquent, causing material harm.

This violates FCRA 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ), as no contract or validation has been provided. I have disputed this account, but XXXX continues to report unverifiable derogatory data without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
I do not reasonably believe I owe this debt. I went to the medical provider for a standard office visit. If the medical provider goes out of their way to bill separately without my consent for services freely offered during a standard office visit, that's just not right, and nor is attempting to collect on this " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate reporting by XXXX ( Acct # : XXXX ). The account, opened XX/XX/XXXX, with a {$0.00} balance, is reported as 30 days late in XX/XX/XXXX. This is factually incorrect and unverifiable, especially for a closed, XXXX-balance account. No valid notice or documentation was provided, violating FCRA 611 and 623. Additionally, XXXX ( XXXX ) has experienced data breaches in recent years that may have compromised the integrity of my personal and account information. I request a full investigation, deletion of the derogatory remark, and confirmation of correction.

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 2025-06-16 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate reporting by XXXX ( Acct # : XXXX ). The account, opened XX/XX/XXXX, with a {$0.00} balance, is reported as 30 days late in XX/XX/XXXX. This is factually incorrect and unverifiable, especially for a closed, XXXX-balance account. No valid notice or documentation was provided, violating FCRA 611 and 623. Additionally, XXXX ( XXXX ) has experienced data breaches in recent years that may have compromised the integrity of my personal and account information. I request a full investigation, deletion of the derogatory remark, and confirmation of correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Please investigate this alleged debt. Debt is listed on a XXXX bureaus. See attached document for full statement.

Company response to consumer: Closed with explanation