vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-06-06 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: NC

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 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: CL Holdings LLC
State: TX

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This collection is vague and lacks any identifying information regarding the original creditor or service. Credit Collection Services has not validated or verified this debt as required by law. No supporting documentation has been Sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the inclusion of specific credit card accounts on my credit report. These accounts were used exclusively to pay for medical bills, and I believe their inclusion constitutes an inaccurate and unfair reflection of my credit history. 
The accounts in question are : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened/Reported : XX/XX/XXXX These debts were directly tied to necessary XXXX XXXX, and I paid for these services using credit due to financial hardship and lack of immediate alternatives. According to changes implemented by the three major credit bureausXXXX XXXX and TransUnionand in light of the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), there has been a clear recognition that medical debt does not accurately predict a consumers ability or willingness to repay non-medical debts.

Moreover, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unfair items on my credit report and to request their reinvestigation. It is my assertion that medical-related credit card debtespecially when the charges would have otherwise been processed by a providershould be evaluated with the same standard now applied to medical collections.

Additionally, as outlined in the CFPB 's report on medical debt ( XXXX ), the use of third-party payment methods ( such as credit cards ) to cover medical costs should not strip consumers of the protections granted under medical debt reforms. The No Surprises Act and industry policy changes reinforce the understanding that consumers should not be unfairly penalized for medical emergencies and their financial consequences.

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 2025-06-06 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: MI

Complaint narrative:
I am writing to formally dispute the inclusion of specific credit card accounts on my credit report. These accounts were used exclusively to pay for medical bills, and I believe their inclusion constitutes an inaccurate and unfair reflection of my credit history. 
The accounts in question are : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/Reported : XX/XX/XXXX These debts were directly tied to necessary XXXX XXXX, and I paid for these services using credit due to financial hardship and lack of immediate alternatives. According to changes implemented by the three major credit bureausXXXX Equifax, and XXXXand in light of the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), there has been a clear recognition that medical debt does not accurately predict a consumers ability or willingness to repay non-medical debts.

Moreover, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unfair items on my credit report and to request their reinvestigation. It is my assertion that medical-related credit card debtespecially when the charges would have otherwise been processed by a providershould be evaluated with the same standard now applied to medical collections. 
Additionally, as outlined in the CFPB 's report on medical debt ( XXXX ), the use of third-party payment methods ( such as credit cards ) to cover medical costs should not strip consumers of the protections granted under medical debt reforms. The No Surprises Act and industry policy changes reinforce the understanding that consumers should not be unfairly penalized for medical emergencies and their financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the inclusion of specific credit card accounts on my credit report. These accounts were used exclusively to pay for medical bills, and I believe their inclusion constitutes an inaccurate and unfair reflection of my credit history. 
The accounts in question are : Creditor Name : First Premier Bank Account Number : XXXX Date Opened/Reported : XX/XX/XXXX These debts were directly tied to necessary XXXX XXXX, and I paid for these services using credit due to financial hardship and lack of immediate alternatives. According to changes implemented by the three major credit bureausExperian, XXXX, and XXXXand in light of the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), there has been a clear recognition that medical debt does not accurately predict a consumers ability or willingness to repay non-medical debts.

Moreover, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unfair items on my credit report and to request their reinvestigation. It is my assertion that medical-related credit card debtespecially when the charges would have otherwise been processed by a providershould be evaluated with the same standard now applied to medical collections.

Additionally, as outlined in the CFPB 's report on medical debt ( XXXX  ), the use of third-party payment methods ( such as credit cards ) to cover medical costs should not strip consumers of the protections granted under medical debt reforms. The No Surprises Act and industry policy changes reinforce the understanding that consumers should not be unfairly penalized for medical emergencies and their financial consequences.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to emphasize that this complaint is not submitted in error. My credit report contains information that does not meet the required standard of maximum possible accuracy. These inaccuracies are placing a significant burden on me and continue to negatively impact my life. I respectfully request that these issues be thoroughly reviewed and corrected or removed as appropriate.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Collection Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 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:
The accounts listed are all fraudulent. I am requesting their deletion under 15 U.S.C. 1681c-2 and providing evidence including a notarized FTC Identity Theft Report and supporting identification.

Please treat this as an urgent matter, as these fraudulent entries are causing severe damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify this account. 
XXXXL XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX Please verify this account. 



Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

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 2025-06-06 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:
I am writing to formally dispute and request the immediate removal of a fraudulent account that has been reported on my credit file. The account in question does not belong to me and was opened without my knowledge or authorization. I believe this is a clear case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I checked my credit report and noticed an account with XXXX XXXX that I did not open. The account number is XXXX, opened XX/XX/XXXX as well as one with XXXX XXXX account XXXX, opened XX/XX/XXXX. I contacted the FTC and filed an identity theft report because I was not sure how to handle it. FTC report # XXXX. I have tried disputing it through Experian but it has become increasingly harder to submit a dispute. I have attached the FTC report as well as the documents required pre the FCRA 605 ( b ) and would like this information blocked. Thank you

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 2025-06-06 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: TX

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with XXXX XXXX, please remove them within XXXX days. Attached are the required supporting 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: UT

Complaint narrative:
I paid my first mortgage payment to Selene Finance of {$990.00} on XXXX XXXX and they changed the amount of my mortgage payment in XXXX to {$780.00}. I called and the employee told me since I overpaid to then just pay the difference of {$570.00} for the next months payment, which I did on XX/XX/year>. These two payments would be for XXXX and XXXX of XXXX. Selene Finance took that first and second payment and applied them to my escrow without my knowledge or consent and are now saying Im behind in my payments. I have been asking them to please apply the funds to my mortgage and they have not and are now charging me late fees and reporting bad credit to the credit bureau. I call them 2-4 times weekly and they keep saying theyre working on it and to call back. Its been two months and I am getting no where. I feel as if they are trying to take my home from me. I have made every mortgage payment on time. Please help settle this. I did not ask them to apply a mortgage payment to my escrow account. Thank you.

They also wont fix my legal name change which I have given them all the legal documentation for. I was XXXX XXXX XXXX and I am now XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
My credit report shows unauthorized inquiries that continue to affect my credit despite prior assurances of removal. Their persistence is troubling and suggests potential identity theft. I insist on an immediate review and deletion of all unauthorized entries.

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 2025-06-06 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:
Upon reviewing my credit report, I've identified fraudulent accounts impacting my credit. Please remove this account from my report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the r XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 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:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these acounts are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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