vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
The credit reporting agencies are not removing the XXXX   information in my public record in the consumer reports. I requested multiple investigations they refuse to delete after i stated no information from the court was provided to them regarding my XXXX. I have the government website where the county clerk stated that they do not provide any information regarding my public records. They are also violating my privacy right 15 U.S. code 1681 a ( 4 ). The furnisher of that information is the court, and the court stated they do not send any information to credit reporting agencies. I have attached document showing court does not provide any XXXX  related information to the bureaus.

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 2025-10-20 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: NY

Complaint narrative:
The credit reporting agencies are not removing the XXXX   information in my public record in the consumer reports. I requested multiple investigations they refuse to delete after i stated no information from the court was provided to them regarding my XXXX. I have the government website where the county clerk stated that they do not provide any information regarding my public records. They are also violating my privacy right 15 U.S. code 1681 a ( 4 ). The furnisher of that information is the court, and the court stated they do not send any information to credit reporting agencies. I have attached document showing court does not provide any XXXX  related information to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AL

Complaint narrative:
I am disputing this account on the following grounds : 1. Failure to Notify : I was never notified of this alleged debt by either the original creditor or your agency. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper notice before any collection or reporting activity takes place.

The failure to provide notice violates these consumer protection laws.

2. Inaccurate & Incomplete Reporting : Because I never received notice or verification, the account is being reported with incomplete and inaccurate information. Furthermore, the original client failed to provide my current address to your agency, resulting in a clear breakdown of communication and due process.

3. Violation of Federal Law : Reporting unverified or improperly noticed debts constitutes a violation of 15 U.S.C. 1681s-2 ( a ) and 1692e of the FDCPA. Not notifying me of the debt before collection activity is illegal and directly undermines the accuracy of consumer credit reporting.

The collection company failed to : Provide written verification and documentation of the alleged debt ( including contract, billing records, and any notices sent ) ; and Send written confirmation of the results of the investigation and any deletions or corrections made IQ Data XXXXXXXX has faced legal action for similar consumer-protection violations : Six v. IQ Data International , Inc. ( 9th Cir. XXXX ) : Violation of FDCPA 1692c ( a ) ( 2 ).

Simonson v. IQ Data International , Inc. ( W.D. Wis. XXXX ) : Failure to reasonably investigate inaccurate credit reporting.

Singh et al. v. IQ Data International , Inc. ( W.D. Wash. ) : Class-action alleging unlawful collection of excessive interest and deceptive practices.

These cases demonstrate a pattern of similar issues and strengthen the validity of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

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 ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: TN

Complaint narrative:
They Ascension charged XXXX XXXX XXXX XXXX and me. XXXX and me XXXX. I went to the hospital per ambulance and asked to leave. I left at the ambulance scene when I showed up. I DID NOT enter the hospital the ambulance wheeled me in and I LEFT. XXXX XXXX XXXX XXXX Past due to XXXX XXXX XXXX XXXX XXXX XXXX, TN. It is not my debt and used my insurance. Now XXXX XXXX XXXX an Affiliate of Frost-Arnett Company reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 INQUIRIES : XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CO

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 ACCOUNTS : 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 XXXX XXXX XXXX XXXXXXXX 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 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 2025-10-20 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:
I am disputing the following tradelines as factually inaccurate and unverified : XXXX XXXX  XXXX ( XXXX ) Charge-Off status contradicts account age and payment records ; balance still active without ledger. 
17 90-day lates on a 12-month timeline = coding error ( violates Metro-2 Field 19 and 607 ( b ) ). 
Prior dispute notation present without new consumer authorization. 
No proof of reasonable reinvestigation ( XXXX v. XXXX  ). 
XXXX XXXX XXXX XXXX ( XXXX ) Missing DOFD ; inconsistent High Credit/Balance figures ( {$620.00} vs {$2500.00} ). 
Simultaneous Closed and Past-Due status creates false impression of ongoing delinquency. 
No itemized balance or contract produced = unverified information under 611 ( a ) ( 1 ) ( A ).

Authority : FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( b ) ; Reg V ; GLBA 68016802 ; FCRA 604 ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. 
Remedy Demanded : Within 30 days, delete or correct unverified data and supply written Method of Verification with updated disclosure. 
Failure to comply constitutes willful non-compliance under 616617, subject to CFPB/FTC/AG action XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I talked to a person named XXXX today XX/XX/XXXX at Mountain Land Collections located at XXXX XXXX, Utah and I told him about his company just posted a debt collection in my credit file on XX/XX/XXXX when his company opened the collection back in XX/XX/XXXX and which I paid completely on XX/XX/XXXX. I told him this showed up while applying for new loan today and is affecting my credit rating or score. I emailed him my proof of payment and called him back at ( XXXX ) XXXX. After several attempts, he finally answered his phone and requested that this be corrected immediately. He said it will take a week which is not acceptable to me since they posted this just on XX/XX/XXXX after 4 years and never advised me of this debt thereby affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year>, I paid {$84.00} for an appliance service that was scheduled for XX/XX/XXXX. I was told by XXXX XXXX XXXX XXXX to run the washing machine to be sure the problem still existed before they came to the house. After I performed the check and found the machine to be working satisfactorily, I canceled the service call on XX/XX/XXXX. The person on the line said I would receive a refund. 

After about a month XXXX XXXX XXXX had not issued the refund. I then filed a dispute with XXXX XXXX where the original charge was made. They credited my account. Best Buy Citi then issued their own credit. XXXX XXXX put the charge back on my card. 

Then Best Buy Citi decided to removed the credit they had given me and placed several letters in a Documents folder within my account. I could not access the Letters in the Documents folder and sent them emails to this effect. Then I was on vacation out of the country from XX/XX/XXXX to XXXX. Their last Letter was put in the Document folder on XX/XX/XXXX saying that they were not giving me a credit because I had not supplied them with information they were requesting. I filed another dispute through the Best Buy Citi website on or about XX/XX/XXXX and have not heard from them since. I recently asked Best Buy Citi through their Disputes page if they would notify me how much longer they would need for a decision but they have not responded to that request nor my XX/XX/XXXX dispute.

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 2025-10-20 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:
I am submitting this complaint against the XXXX major credit bureausXXXX, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-20 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: AZ

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 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 2025-10-20 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: CO

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 INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * COMENITY BANKXXXX  * * Regarding : * * COMENITY BANK/XXXX, Account no : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way COMENITY BANK/XXXX is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by COMENITY BANKXXXX - The account reported positively for a period of time. 

- After I became delinquent, COMENITY BANKXXXX charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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