vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: NV

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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 2025-10-27 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX 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 2025-10-27 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

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 XXXX  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 2025-10-27 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: SC

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 XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
b'TO WHOM IT MAY CONCERN: \nRE: CORPORATE OFFICE, DISCOVERY CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PH; XXXX   \nI AM WRITING ABOUT DISCOVERY CARD AND HOW THEY HAVE MISHANDLED THE CREDIT CARD \nACCOUNT THAT I HAVE WITH THEM. I HAVE SPOKEN TO SEVERAL SUPERVISORS CONCERNING \nTHESE TRANSACTIONS WHICH INVOLVES THE CARD. I HAVE NOT GOTTEN ANY POSITIVE FEED \nBACK.SO FAR.  \nI HAD PAID THE DISCOVERY CARD OFF AT ONE POINT. SOON AFTER, I BEGIN TO RECEIVE PHONE \nCALLS FROM DISCOVERY, SAYING THAT I WAS LATE ON PAYING AND TO FIND OUT THESE \nCHARGES WERE FROM XXXX.  I HAD SPOKEN TO XXXX SEVERAL MONTHS BEFORE \nHAND AND TOLD THEM THAT I NO LONGER NEEDED THEIR SERVICES \nI SPOKE TO A REP AT DISCOVERY AND TOLD THEM THAT I HAD NOT AUTHORIZED XXXX \nTO CHARGE THE CARD.  XXXX CHARGES WERE XXXX. THE REPRESENTATIVE GOT ME \nOVER TO SCAM DEPARTMENT AND THEY REVERSED THESE CHARGES.  \nSOON, AFTER THIS TOOK PLACE, SEVERAL MONTHS LATER, I STARTED GETTING MORE CALLS. \nUNPOND RESPONDING TO THE CALL IT WAS FIND THAT THE CHARGES REVERSED AND PUT \nBACK ONTO THE DISCOVERY CARD. THERE WERE SEVERAL LATE FEES IMPOSED ON THE \nACCOUNT, ALSO THAT NEED TO BE REFUNDED. \nDISCOVERY CARD HAVE REPORTED NEGETIVE INFORMATION TO ALL THE CREDIT BUREAUS. \nTHIS MUST BE REMOVED AND OR CORRECTED. I AM NOT THE ONE WHO IS RESPONSIBLE FOR'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc
State: ME

Complaint narrative:
I am submitting this complaint regarding the collection practices of Mnet Financial. I have been attempting to resolve a medical debt they are collecting in a fair and reasonable way, but they have refused to negotiate in good faith and are using deceptive and obstructive tactics.

I contacted Mnet Financial on XX/XX/year> regarding my account ( Balance : {$870.00} ) to request a reasonable settlement due to financial hardship. I offered a lump-sum settlement payment, which is standard in medical debt collection. The representative refused to discuss any settlement options and repeatedly stated that they do not offer discounts other than 20 % because I had insurance. Would be more if I did not have insurance, which is misleading and irrelevant. Whether I had insurance has nothing to do with my legal right to request a reasonable settlement.

When I politely asked for the request to be escalated to a supervisor, I was told we do not escalate calls, which appears to be a deliberate attempt to block resolution and avoid accountability.

I believe the company is : Refusing to work with me in good faith to resolve the debt Providing false and misleading statements to discourage settlement Blocking reasonable communication by refusing escalation or written contact Potentially violating the Fair Debt Collection Practices Act ( FDCPA ) regarding transparency and fair treatment I am requesting CFPB assistance to : 1. Require Mnet Financial to provide written communication options for dispute/settlement.

2. Provide validation of the debt and confirmation of their authority to collect.

3. Allow me to submit and receive a response to a reasonable hardship settlement offer in writing.

4. Stop their misleading and coercive collection practices.

I am acting in good faith and simply want the opportunity to resolve this debt fairly.

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 2025-10-27 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:
This late mark is false and misrepresents my payment record. Please ensure it is removed promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
IM REQUESTING FROM XXXX XXXX XXXX XXXX TO PROVE TO ME THEY OWN THIS DEBT. IM REQUESTING THE ASSIGNMENT OF DEBT, THE ORIGINAL CONTRACT, AND THE LEDGER. PROVE STANDING AND CLAIM OWERSHIP, IM DEMANDING THIS EVIDENCE, I DEMAND VALIDATION. SILENCE IS CONSENT IF XXXX XXXX XXXX IGNORE THESE REQUEST OR DOES NOT PRODUCE DOCUMENTS ON RECORD I WILL ASSUME YOU AGREE THAT THIS ACCOUNT IS FRAUD. LACK TO MY REQUEST WILL SHOW DISHONOR. notice to agent is notice to principal, notice to agent is notice to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 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: GA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-10-27 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-27 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: CA

Complaint narrative:
All three credit bureaus have told me that either they have not received my fraud affidavit or that it was too blurry and missing pages or some other stall tactic so I'm re-disputing and re-uploading everything because I feel like I'm being taken advantage of for their financial gain. These accounts are 100 % identity theft, and need to be blocked from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical Data Systems : Follow up sent via email address for alleged medical debt. There has been no response to the emails sent and no follow up since. Upon calling the number provided, the representative was unable to do the following ; Failure to Verify Identity : The company admitted it could not verify my identity, stating that the hospital provided incomplete information. Despite that, they continued collection efforts. They waited for me to provide the identifying information. 

Unusual Payment Request : I was instructed to make payment using a XXXX XXXX card, which is not a standard or traceable method for legitimate debt collection. This raises serious concerns about fraud and noncompliance. 

No Accesible Payment Link : I was not provided by an accessible link and there are no records that appear upon entering my personal information.

Personal Information Disclosure Risk : During communication, I was asked to verify personal details ( birth year, address ), which could expose me to identity theft, especially given the suspicious payment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the 15-day period required by law. This lack of response constitutes a clear and direct violation of my rights under the 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 2025-10-27 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-27 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: AZ

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus.

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My XXXX XXXX  XXXX XXXX credit card was opened in XX/XX/XXXX and reported as charged off only a few months later, in XX/XX/XXXX, for a balance of {$83.00}. Prior to that, the account showed consistent on-time payments, with one 30-day late mark appearing before it was suddenly closed and reported as charged off.

I was never notified that the account would be closed or charged off after a single 30-day late payment, and I was not provided any right-to-cure notice, final billing statement, or default letter. The reporting of this account as charged off for such a small balance, and after such a short account history, is disproportionate and inaccurate. 

I disputed this information with XXXX  in XXXX, but XXXX verified the account without providing any supporting documentation to justify a legal charge-off or to show that proper notice was given. The accounts short duration, minimal balance, and lack of valid notice make the current reporting misleading and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and CFPBs standards for accurate, complete, and fair furnishing of credit information.

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