vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: MN

Complaint narrative:
Cease and Desist - Refusal to Pay Halsted To Whom It May Concern, This letter is to formally inform you that I am refusing to pay the alleged debt referenced above. I am fully exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ), which grants me the right to refuse payment and request that you cease further communication.

Please consider this letter as a formal demand to cease all communication with me in regard to this alleged debt. This includes, but is not limited to, phone calls, mail correspondence, emails, or any other form of communication. Any further contact from your agency may be considered a violation of the FDCPA, and I reserve the right to report such actions to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General.

I expect that this account be sent back to the original creditor and is now closed on your end. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX 2024XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Dear XXXX XXXX XXXX am writing to file a complaint against TransUnion regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by XXXX was incomplete. This is a violation of the Fair Credit Reporting Act, specifically under Section 611. 
Date of Initial Dispute : XX/XX/year> Account Information : Creditor Name : Bank XXXX XXXX, XXXX CARD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this account with TransUnion, and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequate verification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing. 
I kindly request that the CFPB investigate this matter, hold XXXX accountable for their non-compliance with the law, and ensure that this account is either verified properly or removed from my credit report. 
Thank you for your attention to this matter. Please let me know if you require any further information from me. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am submitting a dispute regarding discrepancies found on my credit report for one or more accounts. The following inaccuracies have been identified : 1. Date Opened The reported date the account was opened does not match my records or documentation from the original creditor.

2. Status Update Date The last status update appears outdated or incorrect, and does not reflect recent activity.

3. Balance Update Date The balance update date is not current and may misrepresent my financial status.

4. Credit Limit The credit limit listed is inaccurate and does not reflect the actual limit assigned to the account.

5. Last Payment Date The last payment date is incorrect and does not align with my payment history or bank records.

6. Highest Payment The highest payment reported is inaccurate and does not match my actual payment history.

I am requesting a thorough investigation and correction of these items. Please provide verification from the data furnisher or creditor, and update my credit file accordingly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 
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 explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 
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 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 2025-05-31 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: NM

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX has violated my 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.

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 2025-05-31 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 2025-05-31 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX today XXXX XXXX XXXX. Because Synerprise Consulting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  decide to put a collection on my credit report without any calls or letters or payment notices or letters sent, without notify me of anything. How I find out was through XXXX and XXXX alerts. So, I contacted XXXX XXXX and asked why haven't they contacted me or sent me payments through the mail. And the representative said well ma'am all of your hospital bills have been paid from a XXXX XXXX program, since we couldn't find your insurance on file with us so they paid everything off and that the reason why no bills weren't sent to you .Then I asked her so why is XXXX XXXXXXXX is ask for ( {$1600.00} ) and XXXX XXXXXXXX XXXX is asking for ( {$1500.00} ) is still trying to collect money from me and I was also told now, so is XXXX XXXX XXXX they asking for ( {$830.00} ), and they have never sent me a bill also. And she told me maybe they sent things differently but she definitely know that all the bills here on our records showed it been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Cease and Desist - Refusal to Pay XXXX To Whom It May Concern, This letter is to formally inform you that I am refusing to pay the alleged debt referenced above. I am fully exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ), which grants me the right to refuse payment and request that you cease further communication.

Please consider this letter as a formal demand to cease all communication with me in regard to this alleged debt. This includes, but is not limited to, phone calls, mail correspondence, emails, or any other form of communication. Any further contact from your agency may be considered a violation of the FDCPA, and I reserve the right to report such actions to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 
I expect that this account be sent back to the original creditor and is now closed on your end. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-05-31 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: MN

Complaint narrative:
Cease and Desist - Refusal to Pay XXXX To Whom It May Concern, This letter is to formally inform you that I am refusing to pay the alleged debt referenced above. I am fully exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ), which grants me the right to refuse payment and request that you cease further communication. 
Please consider this letter as a formal demand to cease all communication with me in regard to this alleged debt. This includes, but is not limited to, phone calls, mail correspondence, emails, or any other form of communication. Any further contact from your agency may be considered a violation of the FDCPA, and I reserve the right to report such actions to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 
I expect that this account be sent back to the original creditor and is now closed on your end. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-05-31 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: MN

Complaint narrative:
Cease and Desist - Refusal to Pay XXXX To Whom It May Concern, This letter is to formally inform you that I am refusing to pay the alleged debt referenced above. I am fully exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ), which grants me the right to refuse payment and request that you cease further communication. 
Please consider this letter as a formal demand to cease all communication with me in regard to this alleged debt. This includes, but is not limited to, phone calls, mail correspondence, emails, or any other form of communication. Any further contact from your agency may be considered a violation of the FDCPA, and I reserve the right to report such actions to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 
I expect that this account be sent back to the original creditor and is now closed on your end. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Personal information was shared in an apparent data breach. Numerous inquires back ground checks. As a result my information was exposed over 50 times after reviewing credit report. This info should be removed from my credit report. 15USC 1681. Inaccurate information listed on 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 explanation
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$200000.00} XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has been reporting two closed accounts on my credit report for over three years. These accounts are negatively affecting my credit score and financial standing. 
I have contacted Capital One multiple times and submitted goodwill letters requesting investigation or deletion of these accounts. Capital One has responded stating they have no record or association of these accounts with my name or Social Security Number. 
Despite this, they continue furnishing this unverifiable data to credit reporting agencies XXXX XXXX XXXX XXXX  ). This constitutes a violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( reporting known inaccurate data ) 15 U.S.C. 1681s-2 ( b ) ( failing to conduct a proper investigation after dispute ) I am requesting the CFPB to investigate and compel Capital One to : Cease reporting these unverifiable accounts ; Remove them from all credit bureaus ; and Provide a written confirmation of deletion. 
This misinformation is financially damaging and legally negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a notification that my identity was used to attempt to open an account with XXXX XXXX XXXX. I immediately contacted the company ( spoke with XXXX ) and they closed the account that was opened and provided me with a reference number for the call. 

Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief