vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: WI

Complaint narrative:
I answered my phone on XX/XX/year> and a XXXX was on the other line stating she is with the medical review department and that i owed debt for XXXX XXXX care. I had told XXXX that I had already paid a debt collection agency already and paid off all my medical bills. XXXX stated these bills were from a different dates that I had already paid. XXXX listed off the dates that the medical bills are from and I compared to my visits on XXXX website to verify this was correct and I could find these dates that XXXX was listing. XXXX made comments of how she has been on the phone the longest that she has ever has with anyone else. XXXX also stated that she couldn't tell me what I went to the doctor specifically for as I work for XXXX XXXX XXXX and that it is XXXX to share that information. When I asked if I could pay online if she could provide me a website, XXXX said that I need to pay right away because I was already behind on payments and that I couldn't pay online. I told XXXX I would have to pay when I'm able to get to money out of my bank and XXXX stated she would call me back XX/XX/year> and so I can pay. I said okay. I called the XXXX XXXX XXXX  myself after doing a phone number look up on XXXX  which directed me to the XXXX XXXX XXXX I spoke with a representative and explained what was going on with this XXXX and this representive asked for my last name spelling, last XXXX of my SS #, and phone number and this representative stated she couldn't find me in their system at all with all those verifications. This representative stated she would always give out the website to people when they ask for a website. XXXX called XX/XX/year> from number XXXX at XXXX and left a voicemail. She also called XX/XX/year> at XXXX from phone number XXXX. Called XX/XX/year> from phone number XXXX and left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
- Inaccurate Personal Information : My credit files contain multiple name variations and inconsistent addresses that are not accurate or up to date. This causes confusion and raises risk of mixed files. 
- Incorrect/Unverified Accounts and Balances : Equifax Consumer Statement lists a XXXX  account with an incorrect balance and indicates I signed a contract that I never signed. XXXX XXXX ( Experian ) shows as a derogatory charged-off account with inconsistent balance reporting ( {$850.00} {$880.00} ) that I dispute. 
Collections from XXXX XXXX XXXX XXXX and XXXX / XXXX are reported as derogatory without validation of debt. 
- Duplicate and Inconsistent Reporting : Certain accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtc. ) show differing balances or statuses across the three credit bureaus, violating the requirement for accuracy and consistency. 
- Failure to Properly Investigate Disputes : I previously disputed several accounts, yet the bureaus have continued reporting them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation. This violates FCRA 1681i ( a ).

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am a victim of identity theft. Over the past several years, fraudulent activity has occurred in my name involving unauthorized checks, debit card transactions, electronic draft attempts, and ACH transfers. As a result of these crimes, multiple checking, savings, and other depository accounts were fraudulently opened and later closed. I did not authorize or benefit from these accounts or transactions. 

These fraudulent activities have led to negative information being placed on my deposit account records with ChexSystems and other consumer reporting agencies. Because of this, I have been unfairly denied the ability to open legitimate accounts for my personal and business use.

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 2025-08-18 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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 2025-08-18 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: 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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-18 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: 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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to XXXX XXXX. XXXX, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Pursuant to XXXX XXXX XXXXXXXX, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I XXXX request an extension. During this time, no information XXXX be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-18 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: LA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy ( U.S. Bankruptcy Court ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/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 2025-08-18 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: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- -- Opened : XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>

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 2025-08-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- -- Opened : XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX XXXXcompliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
It shows that Prestige Auto finance charged off the amount owed for the vehicle meaning they did a tax write off for the amount owed on the vehicle. I asked for the XXXX on the charge off and they refused. I have called several times. So I am asking this to be removed from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Unable to use my account : summer XXXX Called several times and submitted all necessary documents yet unable to use my account as normal

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 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
To whom it may concern, I have been with Ally Financial since XXXX of XXXX. On XX/XX/XXXX, I requested a payment extension. I received full documentation from Ally stating that {$350.00} was to be paid on XX/XX/XXXX, and {$810.00} would be due on XX/XX/XXXX, and on XX/XX/XXXX my normal payment of {$1100.00} will resume. Not only was my payment of {$350.00} not applied to my account, it now shows that I am past due and owe a balance of {$2700.00}. I have called XXXX times now, only to be met with incompetent XXXX representatives who just want to get you off the phone, or I am being told that there is no record of a payment extension. Ally states to record all phone calls so im sure they can listen to the stupidity their customer service representative spews. I have exhausted all options and I am up to date with my payments as per the payment extension. I need someone to fix my loan balance and to fix my account because it should be current. They have tacked on a bunch of late fees and claim to have a manager to call me back but I never got a call and this is just poor management and communication from Ally, im extremely ashamed to be a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-08-18 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 formally disputing a late payment shown on my credit report. According to my records, all payments were made on time, and the entry is incorrect. This misreporting negatively affects my credit standing.

Company response to consumer: Closed with explanation