vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 2025-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am formally disputing the validity and legality of the alleged debt listed under account number XXXX and reported by XXXX XXXX on my credit report. The original creditor is listed as XXXX XXXX XXXX XXXX, with a balance of {$2400.00}. 

After reviewing my records, I have found no record of authorizing the release or sale of my personal or medical information to your company or any third-party debt collector. The transfer of such information without my express written consent appears to be in violation of several federal laws : XXXX. XXXX ( XXXX XXXX Portability and Accountability Act, 45 CFR 164.502 & 164.508 ) : This law prohibits the disclosure of protected health information ( XXXX ) to third parties including debt XXXX without proper authorization or permissible purpose. If XXXX XXXX XXXX XXXX disclosed my medical or billing information to your agency without my consent, this constitutes a breach of XXXX regulations. 
XXXX. Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) : Under this law, debt collectors are required to validate the debt upon request and are prohibited from collecting debts that are not legally assigned or that were obtained through improper means. 
XXXX. Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) : The FCRA mandates that all information reported to credit bureaus must be accurate, verifiable, and obtained through lawful means. If my account or personal information was sold or shared unlawfully, this reporting constitutes a violation of my rights under the FCRA. 

Given these circumstances, I am demanding : XXXX deletion of this account from all credit reporting agencies ; XXXX proof of authorization from the original creditor allowing the transfer or sale of my information to your agency ; Validation of the debt, including a full accounting, signed documentation, and proof of lawful assignment. 

Failure to provide sufficient validation within 30 days of receipt of this notice will constitute your agreement to remove the account from my credit reports and cease all collection activity. I also reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX Department XXXX XXXX and XXXX XXXX XXXX for XXXX XXXX for XXXX XXXX and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
After returning from a XXXX XXXX, XXXX Bank closed my account after being hacked and my credentials stolen which i still don't know how and citizens has no explanation. According to them scammers logged into my account deposited a check and cleared my account without my consent and when i noticed i reached out to citizens bank to ask what is going on and they had no explanation for me.

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 2025-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the credit bureau ( Equifax ), failed to conduct a proper and reasonable investigation into inaccurate information appearing on my credit report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

On XX/XX/year>, I submitted a formal dispute regarding inaccurate or incomplete information being reported on my credit file. I provided clear documentation supporting my claim, including [ Account closure correspondence from creditor ]. 

Despite this, the bureaus response was generic, incomplete, and did not reflect an actual reinvestigation. The bureau claimed that the information was verified with the creditor, when in fact that was false. The disputed information remains on my credit report without correction or a valid explanation. It appears the credit bureau either : Relied solely on automated verification from the furnisher without independent review, or Failed to review the documentation I submitted. 

This lack of proper investigation violates my rights under the FCRA, which mandates that consumer reporting agencies conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

Please let me know if anymore information is needed to verify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

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 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 XXXX * * * * * * * * * * XXXX XXXX CARD - XXXX * * * * * * * * * * * * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: UT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Equifax,\n\nThis letter serves as a formal second dispute regarding inaccurate reporting of the following account:\n\nCreditor Name: CHRYSLERCAP\nAccount Number: Account # XXXXeported Status: Repossession \n\nI have previously disputed this entry, yet you continue to report it as a repossession. The information remains inaccurate and misleading, and I am now demanding a full reinvestigation under FCRA 611(a) and a method of verification under FCRA 611(a)(7).\n\nThis account was a voluntary surrender, not a repossession. The vehicle was returned voluntarily while the account was current and not in default. Reporting this as a repossession misrepresents the nature of the transaction and damages my creditworthiness.\n\nUnder FCRA  607(b) and 623(a)(1)(A), both you and the furnisher are legally obligated to ensure that all information reported is accurate and not misleading. Simply verifying an entry through automated data exchange without reviewing documentation from the furnisher does not satisfy this requirement.\n\nAccordingly, I demand the following:\n\nA detailed explanation of the method of verification used in your prior reinvestigation, including:\n\nThe name, address, and telephone number of the furnisher you contacted.\n\nThe documents or data used to verify this accounts accuracy.\n\nA complete reinvestigation of the account with documentary proof that a legal repossession occurred.\n\nIf the furnisher cannot provide signed, dated documentation proving the account was repossessed after default, the entry must be deleted from my file immediately per FCRA 611(a)(5)(A).\n\nIf you cannot provide proper verification, continued reporting of this inaccurate entry will constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, which may subject your agency and the furnisher to liability.\n\nPlease provide a written response within the 30-day period required by law. I also request a copy of my updated credit report reflecting your findings.\n\nSincerely,\XXXX XXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$670.00} XXXX  - XX/XX/XXXX - {$16000.00} Hard Inquiries : XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CARD - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-23 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX CARD - XX/XX/year> 2024

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 2025-10-23 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: CA

Complaint narrative:
Account name XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance O Balance updated - Recent payment Monthly payment - Credit limit O {$1000.00} Highest balance Payment history O XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / / XXXX XXXX  XXXX Current / Terms met 60 120 Past due 60 days Past due 120 days Payment history guide 30 Past due 30 days 90 Past due 90 days XXXX Closed 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, May 2023 120 days past due as of XXXX XXXX  90 days past due as of XXXX XXXX  60 days past due as of XX/XX/XXXX Remove this today if not I will file a civil lawsuit case against this credit card company and ask for full compensation and stress compensation also.

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 2025-10-23 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: CA

Complaint narrative:
Account name XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance O Balance updated - Recent payment Monthly payment - Credit limit O {$1000.00} Highest balance Payment history O XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / / XXXXXXXX XXXX XXXXXXXX Current / Terms met 60 120 Past due 60 days Past due 120 days Payment history guide 30 Past due 30 days 90 Past due 90 days XXXX Closed 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX Remove this today if not I will file a civil lawsuit case against this credit card company and ask for full compensation and stress compensation also.

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 2025-10-23 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:
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 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 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 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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX  American Express unilaterally closed, without prior notice or review opportunity, six business credit card accounts and one personal credit card account, asserting via email that the action was based on non-good-faith disputes. 

* No active disputes existed at the time of closure, nor existed in the present year XXXX XXXX Within weeks of persistent escalations across multiple departments, supervisors verbally confirmed that all prior disputes were filed in good faith and that the classification had been applied in error. 

* No written confirmation of this finding was ever issued. 

* Over a three-plus month period, repeated multi-hour calls and departmental transfers were required to obtain verbal confirmation only. 

* During this period, American Express continued billing and interest accruals on the closed accounts. 

* Penalties, default-rate interest, and compounding fees accumulated while the accounts remained inaccessible. 

* Membership Rewards points were forfeited, despite prior assurances they would be reinstated once the accounts were reviewed. 

* As of the present date, one account was reinstated but remains suspended, pending payment of balances composed largely of interest and penalties resulting from the original closures.

* The company is receiving repeated dunning calls and with in one call received there was an alert to the initiation and pursuit of civil action involving one of the affected business accounts ; the referenced balance primarily reflects accrued interest and charges tied to those closures. 

* The matter remains ongoing, and the company continues to face financial exposure, liquidity strain, and credit impact resulting directly from these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation