vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
What happened : In XX/XX/XXXX, I received a collection notice from the law firm Weitman, Weinberg and Reis, attempting to collect a balance of {$9200.00} allegedly owed to the senior living facility XXXXXXXX XXXX 

I have never lived at XXXX XXXX, nor have I signed any lease or financial agreement with them. The charges appear to be connected to my elderly fathers stay at the facility, which lasted from XX/XX/XXXX to XX/XX/XXXX. During this period, all rent was paid in full as required. 

However, my father suffered a severe medical emergency caused by neglect from XXXX XXXX staff. He was found on the floor of his unit after being left without food, water, or medication for four days. Emergency services, including police, ambulance and fire department, were called to the facility to rescue my father. He remains under medical care, and an attorney is currently managing his legal case. 

Despite this, I am now being billed for {$9200.00} by the collection firm for a debt I do not owe. I am not listed on any lease, contract, or billing agreement, and I should not be personally liable. 

What I did : As Durable Power of Attorney, I ensured that all rent was paid in full for the duration of my father 's residency. 

Retained an attorney to manage the ongoing medical and legal concerns caused by the XXXX XXXX staff and facilitys neglect. 

My father 's attorney contacted XXXX XXXX and their representatives. 

Preserved copies of all documents and the collection notice for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: NY

Complaint narrative:
This company is calling me 3+ times a day which is harassment even when I block the number they create a new one to call me even on non business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
According to FCRA Sections 605B,615 ( f ), and 623 ( a ) ( 6 ), these accounts should not be there. Please check this information again and fix it, following 15 USC 1681 c-2 inaccurate information must be deleted also remove items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: IA

Complaint narrative:
XXXX HAS FAILED TO VALIDATE THE DEBT IN QUESTION AS REQUIRED BY LAW. THEY HAVE NOT/DID NOT PROVIDE ALL OF THE REQUIRED INFORMATION TO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: IA

Complaint narrative:
XXXX HAS FAILED TO VALIDATE THE DEBT IN QUESTION AS REQUIRED BY LAW. THEY HAVE NOT/DID NOT PROVIDE ALL OF THE REQUIRED INFORMATION TO

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 2025-06-02 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: Consumer Portfolio Services, Inc.
State: DE

Complaint narrative:
I went to the dealership and instead of having XXXXne bank run my credit card, it was more than one. I didnt authorize the banks to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data is attempting to collect a debt that originated from my previous rental with XXXX XXXX XXXX. The property was never fit for human habitation. From the start of my XXXX-year tenancy, the home had severe, dangerous, and persistent conditions that made it completely uninhabitable. This was not a case of deferred maintenanceit was a property that never should have been occupied or listed as a rental. 

I submitted multiple requests over the years, but XXXX failed to remedy any of the serious health and safety hazards. I ultimately hired a licensed inspector from XXXX XXXX XXXX to assess the home. The official report confirmed that the property was unfit for occupancy. The inspection documented issues including : Unsafe electrical wiring Structural instability and foundation damage Severe water intrusion and mold risks Despite this evidence, XXXX assigned a large balance to my account and referred the debt to IQ Data. This debt is not valid and should never have existed. It is the result of a landlord renting out a property that violated basic safety and habitability standards from day XXXX. 

IQ Data has continued reporting this account without meaningful validation, ignoring the fact that the underlying charges stem from illegal conditions and long-term negligence. This matter has remained unresolved for nearly XXXX years, causing ongoing harm to my credit and finances. 

I am formally demanding immediate and permanent removal of this debt from all credit reports, as well as complete deletion from IQ Datas internal systems and databases. This is not a consumer debtit is a byproduct of corporate negligence and must be extinguished in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: WI

Complaint narrative:
On or about XX/XX/XXXX I called Transunion Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA 605b ( 15 U.S.C 1681C-2 ) and 15 USC 1681b . The inquiries in question are as follows : 1 ) 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to correct inaccurate or incomplete credit information it has reported, leaving consumer accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has repeatedly brought enforcement actions against Experian, alleging systemic issues such as refusing to correct consumer-provided evidence in dispute forms, ignoring or refusing to investigate disputes properly, and failing to adequately notify owners of disputes in a timely manner. Experian never provides any proof of their investigation, just claims it has been verified. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information on my credit report nor provided an adequate explanation for their refusal to do so.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dismissed Chapter XXXX Bankruptcy Subject : Request for Removal of Dismissed Chapter XXXX Bankruptcy from Credit Report To Whom It May Concern, I am writing to formally request the removal of a dismissed Chapter XXXX bankruptcy from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX. 

The public record in question : Type : Chapter XXXX Bankruptcy ( Dismissed ) Court : XXXX Bankruptcy XXXX XXXX Alabama Case/File Date : XX/XX/XXXX Dismissed/Closed : XX/XX/XXXX Estimated Removal Date : XX/XX/XXXX File Number : XXXX This bankruptcy was dismissed, not completed. According to FCRA guidelines, dismissed bankruptcies are not evidence of insolvency or wrongdoing and may be challenged for earlier removal, especially if the reporting furnishes outdated or incomplete information. 

I am requesting : XXXX. Documentation verifying the accuracy of this public record. 
XXXX. If no verifiable source is provided, the record should be deleted. 

Thank you for addressing this matter swiftly and in compliance with federal credit reporting laws. 

Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX AL 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 2025-06-01 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate late payment reporting on my credit report associated with the following accounts : XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX account opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed these late payment entries directly with the credit bureaus and the creditor. However, to date, I have not received any documentation or verification to substantiate the reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a proper investigation and the right to receive relevant documentation that validates any negative item reported on my credit file. 

As of this letter, the creditor has failed to provide : Any payment history ledger or billing statement supporting the alleged delinquencies Any written notice of delinquency sent to me at the time of the late payment This lack of response and documentation constitutes a failure to validate the debt accurately, and therefore I am requesting : The removal of the inaccurate late payments from my credit report A copy of any documentation your investigation relied upon if the information is not removed Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: KY

Complaint narrative:
I am filing this complaint against BSI Financial Services regarding their placement of force-placed insurance on our home. My family and I have owned our home in XXXX, Kentucky for over 35 years. Recently, a tree fell on our home during a natural disaster, causing over {$200000.00} in damage. When we went to file a claim, we learned that our insurance coverage had been replaced with a lender-placed ( force-placed ) insurance policy that only protects the lenders interest not our home or belongings. 

The forced insurance policy costs {$2500.00} per year and has a {$5500.00} deductible. It provides no coverage for the structural damage to our home, even though we had previously maintained a valid homeowners insurance policy. We were unaware of how limited this replacement coverage was and never would have knowingly accepted it. 

BSI Financial refunded our escrow account, which had been used to pay our original insurance policy, and then placed the force-placed insurance. They did send notices, but we now understand that the implications were not clearly communicated. We were never contacted directly by phone or given a warning that our home would no longer be protected under a standard policy. 

As a result of BSIs actions and poor communication, we are left homeless, without insurance coverage for the extensive damages, and without the resources to rebuild. We believe this is a clear case of unfair, deceptive, and abusive practices, and we are requesting an immediate investigation into : The legality and transparency of their force-placed insurance process Why we were not given an opportunity to reinstate or continue our original insurance Whether BSI is engaging in a pattern of this behavior with other homeowners We have documentation showing : The forced insurance premium and deductible That our original insurance was paid by the lender and then canceled Notices from BSI The damage to our home Please investigate this matter and hold BSI accountable. We are also contacting legal counsel regarding possible violations of the Real Estate Settlement Procedures Act ( RESPA ) and other federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions XXXX Inc., for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within 2448 hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report.These remarks have been detrimental to my life and credit health for years

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 2025-06-02 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: GA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several accounts reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXXXXXX BALANCED {$77.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$17000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several accounts reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXXXXXX BALANCED {$77.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$17000.00}.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am submitting this complaint to challenge the accuracy of a bankruptcy filing that has been reported on my credit profile. I have repeatedly requested from the credit bureaus verifiable proof from the U.S. Bankruptcy Court confirming the existence of this alleged filing, including official case numbers, court records, or other government-issued documentation. To date, I have received no such evidence. 

Instead, the credit bureaus appear to be relying on information obtained from an unnamed third-party source. This source has not identified itself, has not provided any documentation, and has not proven it had legal authority or permissible purpose under the law to collect or distribute such sensitive information about me. Neither I nor the Bankruptcy Court have given consent for the release of such information, nor has any signed documentation or official court record been provided. No signatures from me or from any court have been submitted to substantiate this derogatory mark on my report. 

This action constitutes multiple potential violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy. Reporting inaccurate or unverifiable information violates the requirement that consumer reporting agencies must ensure accuracy in the data they furnish.

Section 611 ( a ) ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputed information. Upon my dispute, the credit bureaus were required to conduct a reasonable investigation. Accepting unverified data from an unidentified third party and refusing to produce court-issued evidence does not meet this standard. 

Section 602 ( A ) Failure to protect the consumers right to fair and accurate credit reporting. Allowing unsubstantiated data from unverifiable sources undermines my rights as a consumer under the FCRA.

Section 604 ( 15 U.S.C. 1681b ) There may also be a violation of permissible purpose if the third party that allegedly supplied this bankruptcy information accessed or shared my data without legal grounds or my written consent. 

This erroneous bankruptcy entry has been negatively affecting my credit profile and impeding my ability to secure credit. If the credit bureaus and any associated third parties can not produce official documentation from the U.S. Bankruptcy Court verifying this filingcomplete with filing numbers and signaturesit must be considered inaccurate and removed in accordance with federal 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