vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Community Cash Management Corp.
State: NH

Complaint narrative:
I am a college student full time. I explained I did not have the finances to pay this bill. I explained to the hospital my situation. No paid a minimal amount of XXXX on XXXX. On XX/XX/year> I submitted info for financial assistance and XX/XX/XXXX was denied. 
I do not have the funds to pay this in full. 
Hoping you can help. 
Thank yoi

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: AL

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 2025-10-19 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: IL

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 2025-10-19 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me great emotional strain and sleepless nights. I have submitted all required documentation and kindly request its removal at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I was XXXX  for XXXX yrs and I've been home for XXXX months and I never requested that my credit could be frozen. So my bank tried online and by phone to help me unfreeze my credit but all to no avail. I wrote XXXX letters to Equifax with XXXX letter being certified and that was almost 2 months ago, and I still haven't gotten any response back yet. This issue is stagnating my growth back into society and succeeding in life. Can you please assist me with this problem so that I can move forward in life, thank you in advance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: OH

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 2025-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Im trying to dispute a double charge on something I bought XXXX. Its a charge of {$63.00} on the XXXX XXXX. Ive contacted AMEX support and they are NO help. Their chat bot just tells me to resolve it on my own essentially. I tried to dispute the double charge through the app and website and they said my dispute was incomplete and closed so I have to contact the number on the back of my card. The transaction reference numbers are XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXMW Financial Services, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXXXXXX XXXX XXXXXXXX Demand Account Ending XXXX Reference : CFPB Case No. XXXX Dear BMW Financial Services XXXX This letter serves as a formal reinvestigation and legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ) regarding the continued reporting of the above-referenced account. 
In your XX/XX/XXXX response to my CFPB complaint, you failed to include verifiable documentation demonstrating the lawful sale or disposition of the repossessed vehicle associated with this account. Specifically, you provided no auction statement, bill of sale, or itemized calculation of the alleged deficiency balance of {$9900.00}. 
Under XXXX XXXX through XXXX, a secured creditor must provide evidence of the sale of collateral and an accounting showing how proceeds were applied to the debt. Without this information, any deficiency claim or balance reporting is unsubstantiated and incomplete. 
Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), you are prohibited from furnishing information that is inaccurate or incomplete. Furnishing a deficiency balance without the required supporting documentation constitutes willful noncompliance. 
Therefore, you are hereby demanded to : XXXX. Provide documented proof of the vehicles sale or auction, including sale date, purchaser, amount received, and how the deficiency balance was calculated ; or XXXX. Immediately delete all reporting of this account from XXXX XXXX and XXXX 
If no verified documentation is received within 30 days, this will be treated as failure to verify under 15 U.S.C. 1681i ( a ) ( 5 ), and I will proceed with additional filings with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the XXXX  Attorney Generals Office for willful and negligent noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
Account is paid in full and closed, but on my XXXX  report it is still showing potentially negative while status says paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
I am writing in response to your statement that an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX was placed with your company for collection in XX/XX/year>. I do not recognize or owe this debt, and I hereby dispute its validity in full pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

To date, I have never received any prior written notice, validation, or verification of this alleged debt before it was reported to the credit bureaus. Reporting unverified or disputed information to the credit bureaus violates both the FDCPA and FCRA. Until you provide full validation, you must : 1. Cease all collection and reporting activity on this account ; and 2. Provide proper validation, including : A copy of the original signed agreement or contract with XXXX ; A detailed account history showing all charges, payments, and how the {$140.00} balance was calculated ; and Proof that you have the legal authority to collect on behalf of XXXX. 




If you can not provide this documentation, you are required to delete this tradeline from all consumer reporting agencies ( XXXX, Equifax, and XXXX  ) immediately. 

Please note that continued reporting of unverified or inaccurate information constitutes willful noncompliance with the FCRA, and I will pursue all remedies available under federal law, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. 

This letter is being sent for the purpose of resolving this matter in good faith. Please respond in writing within 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing in response to your statement that an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX was placed with your company for collection in XX/XX/year>. I do not recognize or owe this debt, and I hereby dispute its validity in full pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

To date, I have never received any prior written notice, validation, or verification of this alleged debt before it was reported to the credit bureaus. Reporting unverified or disputed information to the credit bureaus violates both the FDCPA and FCRA. Until you provide full validation, you must : 1. Cease all collection and reporting activity on this account ; and 2. Provide proper validation, including : A copy of the original signed agreement or contract with XXXX ; A detailed account history showing all charges, payments, and how the {$140.00} balance was calculated ; and Proof that you have the legal authority to collect on behalf of XXXX. 




If you can not provide this documentation, you are required to delete this tradeline from all consumer reporting agencies ( XXXX, XXXX, and TransUnion ) immediately. 

Please note that continued reporting of unverified or inaccurate information constitutes willful noncompliance with the FCRA, and I will pursue all remedies available under federal law, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. 

This letter is being sent for the purpose of resolving this matter in good faith. Please respond in writing within 30 days of receipt.

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 2025-10-19 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:
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 2025-10-19 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:
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. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXe XXXX. 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. CXX/XX/XXXXe XXXX, 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. CXX/XX/XXXXe XXXX, 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 : XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXXXX/XX/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 2025-10-19 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:
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. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXe XXXX. 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. CXX/XX/XXXXe XXXX, 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. CXX/XX/XXXXe XXXX, 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 : XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXXXX/XX/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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 1 ), I'm required to conduct a reasonable reinvestigation of this disputed information within 30 days. If the furnisher of the information can not verify with documented evidence that I am responsible for this account, you must permanently delete it from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: TX

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my credit reports from all three bureaus and I noticed that there were several items that were incorrect and I requested for them to be removed. all inquires I never give the credit permission to pull my credit and the I never gave the court NexisLexis permission to report my bankruptcies on there report and on the other three credit bureaus, I submitted a letter from court stating they never gave information the Nexislexis to report my bankruptcies and the account that was included on my bankrupties are still show on some of the credits bureaus. And for TransUnion I was in the settlement and received a check for the incorrection on bureau but the never removed any of inquiries and or accounts.

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