vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: iQuantified Management Services, LLC
State: IN

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I received medical services from XXXX. My primary insurance paid its portion of the bill. My secondary insurance, XXXX XXXX XXXX XXXX XXXX ( XXXX ), was supposed to cover the remaining balance. 

Despite multiple requests over several weeks, XXXX failed to submit the claim to my secondary insurance. Because of this, the unpaid balance was sent to a debt collector, iQuantified Management Services. I have contacted both XXXX and the debt collector multiple times to explain the situation and request that the claim be submitted properly. 

The debt collectors contact information is often unreachable or invalid. They continue to try to collect the debt even though it should be covered by my secondary insurance. This has caused me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-09 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX  XXXX XXXX - Date Opened : XX/XX/year> - {$690.00} 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-09 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:
Hello! I am requesting an immediate update of correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CRED ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute several unauUmrizecl inquiriies on my credit report, in aooorclance with my lights under the Fair Credit Reporting Ad ( FCRA ), specifically sect1inns 611 { 15 U.S.C. 1681i ), 609 { 15 U.S.C. 1681g ), and 604 ( 15 u_s_c_ 1681b ). 
After reviewing my recent crndit mport, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : - XXXX XXXX XXXX XXXX XXXX ] [ XX/XX/XXXX ] - [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] - [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] - [ XXXX XXXX XXXX [ XX/XX/XXXX ] - [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] - [ XXXX XXXX XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a bankruptcy record that is inaccurately appearing on my Equifax credit file. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX confirmed that they filed a dispute with Equifax on my behalf regarding this inaccurate bankruptcy entry ( XXXX Case Number : XXXX ). To date, I have not received confirmation from Equifax that this matter has been corrected. 

This bankruptcy is not mine and is being erroneously associated with my personal information. Maintaining this inaccurate record violates FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: AL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
I am writing to formally dispute the fraudulent accounts that appear on my Transunion credit report as a result of identity theft. I am a confirmed victim of the Equifax data breach, which exposed sensitive personal information and placed me at increased risk of unauthorized account activity. 

The following accounts are inaccurately reporting and does not belong to me : Account : XXXX XXXX, Acct # XXXX, Account bal : {$1500.00} Account : XXXX XXXX  XXXX XXXX Acct # XXXX, Acct opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX, opened XX/XX/XXXX XXXX, opened XX/XX/XXXX XXXX XXXX, amount {$540.00}, XXXX  XXXX XXXX  XXXX, date filed : XX/XX/XXXX As permitted under the Fair Credit Reporting Act ( FCRA ) XXXX, I am requesting that Transunion block and remove this fraudulent XXXX from my credit file within the required 4 business days. I did not authorize this account, and I am not responsible for any debt or activity associated with it. 
Attached are the following documents to support my claim : 1. A copy of my government-issued photo ID 2. A copy of my Social Security card 3. Proof of address ( e.g., recent utility bill or bank statement ) 4. A copy of the FTC Identity Theft Report and/or police report ( if applicable ) 5. Notice or documentation showing my information was compromised in the XXXX  data breach ( if available ) Per the FCRA, once you receive this information, you are required to : - Block the reporting of this fraudulent account within 4 business days - Notify the furnisher of the blocked information - Not reinsert the item into my file unless I provide written consent or proper verification is provided to me in writing Please send me a written confirmation once this account has been removed or blocked from my credit 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 2025-08-09 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: AL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XX/XX/XXXX Bankruptcy Date Filed/Reported Reference # XX/XX/XXXX Court XXXX Bankruptcy XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX Court XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX Reference # XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

At the time, I had {$120000.00} in the account. Since then, I have only recovered {$27000.00}, leaving {$97000.00} still inaccessible more than a year later. 

This disruption caused severe hardship for me and my family : I experienced significant emotional distress, anxiety, and sleeplessness from the uncertainty over my savings. 

I am an ordinary retail consumer who trusted a financial product marketed as safe and FDIC-insured. No one should lose access to legally deposited funds due to failures between banks and fintech providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet fraudulently took money out of my checking account for a loan that wasnt mine. Contacting them to resolve and they are refusing to refund the money they stole. Amount was about {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am submitting a follow up complaint this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-08-09 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: NJ

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX  XXXX XXXX account currently shown as charge-off on my credit reports with TransUnion and Experian. 
On XX/XX/year>, XXXX  XXXX XXXX issued an IRS Form 1099-C, showing a cancelled debt in the amount of {$3800.00}. Under IRS rules, a 1099-C represents a formal discharge of debt, meaning no further collection or negative reporting should occur. 

Despite this, the account is still reported as unpaid/derogatory, which is factually inaccurate, misleading, and in violation of : FCRA 605 ( a ) ( 5 ) prohibits the reporting of obsolete or misleading derogatory information.

FCRA 623 ( a ) ( 1 ) ( A ) forbids furnishers from reporting information they know, or should know, is inaccurate.

FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

Continuing to report a cancelled debt as a charge-off misrepresents the legal status of the account and causes harm to my credit profile. 

I am requesting immediate deletion of this account from all my credit reports. Supporting documents, including the 1099-C and excerpts from my credit reports showing the inaccurate reporting, are attached.

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 2025-08-09 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: NJ

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX  XXXX XXXX account currently shown as charge-off on my credit reports with TransUnion and Experian. 
On XX/XX/year>, XXXX  XXXX XXXX issued an IRS Form 1099-C, showing a cancelled debt in the amount of {$3800.00}. Under IRS rules, a 1099-C represents a formal discharge of debt, meaning no further collection or negative reporting should occur. 

Despite this, the account is still reported as unpaid/derogatory, which is factually inaccurate, misleading, and in violation of : FCRA 605 ( a ) ( 5 ) prohibits the reporting of obsolete or misleading derogatory information.

FCRA 623 ( a ) ( 1 ) ( A ) forbids furnishers from reporting information they know, or should know, is inaccurate.

FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

Continuing to report a cancelled debt as a charge-off misrepresents the legal status of the account and causes harm to my credit profile. 

I am requesting immediate deletion of this account from all my credit reports. Supporting documents, including the 1099-C and excerpts from my credit reports showing the inaccurate reporting, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

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 account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX  Balance : {$220000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

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 account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX  Balance : {$220000.00}

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