vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Immediate Removal of Inaccurate Mortgage Account Reporting To Whom It May Concern, This letter serves as a formal dispute and demand for immediate removal of inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. The mortgage account under XXXX, with the masked number ending in XXXX, is reported inconsistently across all three credit bureaus, and the discrepancies outlined below constitute a breach of your legal obligations to maintain accurate and consistent data.

Additionally, this account is falsely reporting multiple late payments. I have never missed a payment on this mortgage account, and the presence of any derogatory payment history is completely inaccurate and unlawful. These late marks must be removed immediately.

Field TransUnion Experian Equifax Account Status Closed Paid Paid Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Late 120 Days Late 120 Days Late 120 Days Balance {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} Last Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These discrepancies are materially harmful and misleading. For example, the account shows as 'Closed ' on TransUnion while marked 'Paid ' on the others. The opening dates are also inconsistent, and more egregiously, all three bureaus continue reporting 'Late 120 Days ' despite the balance being {$0.00} and the account marked as resolved.

This constitutes inaccurate and outdated information under the FCRA. I am demanding the immediate and permanent removal of this mortgage account from all three credit bureaus. If not removed within 15 calendar days of receipt of this notice, I will proceed with the following actions : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) - Submit a complaint to the Florida State Attorney General - Initiate legal proceedings for statutory and punitive damages due to willful noncompliance This letter and any attachments are being retained for legal documentation purposes. I expect a formal response and evidence of immediate and permanent removal within 15 days. Govern yourselves accordingly. 
Sincerely, 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't recognize the address and names listed. Please remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MI

Complaint narrative:
I am filing a complaint regarding an UNAUTHORIZED and INFORMALLY verified INNACCURATE and inconsistent collection account reported by XXXX XXXX XXXX on my credit reports. The account information varies significantly across the three major credit bureaus, TransUnion, Experian, and XXXX, causing harm to my credit score and overall financial well-being.

The collection account in question is with XXXX XXXX XXXX. The UNAUTHORIZED inconsistent information includes, but is not limited to : **Date of Last Activity : ** TransUnion reports the Date of Last Activity as " XX/XX/XXXX, '' whereas Experian reports " XX/XX/XXXX. '' XXXX does not display this information. This significant difference indicates a likely error in how the activity on this account is being tracked and reported. 

***Date Opened : ** TransUnion lists the Date Opened as " XX/XX/XXXX, '' while Experian reports " XX/XX/XXXX. '' XXXX does not display this information. This four-month difference in the reported opening date is a clear inconsistency. 

**Account Status : ** TransUnion incorrectly reports the Account Status as " Open, '' while Experian inaccurately states " Closed. '' XXXX does not display this information. This contradictory reporting of the account status is a fundamental error that needs immediate correction.

Furthermore, none of the credit bureaus ( TransUnion, Experian, and XXXX ) are reporting any payment history for this collection account. 

I have already disputed these inaccuracies with TransUnion and Experian on [ XX/XX/XXXX ] and am unsatisfied with their response/investigation.

This informally verified, inconsistent, and inaccurate reporting of the XXXX XXXX XXXX collection account is causing significant negative impact to my credit report and potentially hindering my ability to access credit.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$280.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Going through my credit reports Ive discovered that there are several items that are of a fraudulent nature from someone taking advantage of a data leak and using my identity without my permission. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at American Express on XX/XX/XXXX and XXXX XXXX applied bank opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collectons, and nard Incuines appeaning on my consumer crealt report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: EdFinancial Services
State: OH

Complaint narrative:
Ed financial XXXX XXXX XXXX XXXX XXXX Ed financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting to XXXX I would like this deleted off all my credit reports in 30 days under 15 USC 16 92G Send me a detailed list of the history of payments made by me on this account. 
I want to see the signature that I put down on the contract guaranteeing that I would pay this creditor. im asking to see has there been any insurance filed or claim on behalf of this debt?. I want proof that you have the chain of title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
On XXXX XXXX XXXX I purchased a gift card from XXXX XXXX  Online through my online account. I have done this many times and went ahead and placed the gift card on my Google Account. I don't always like using my debit card at places so gift cards work out really well. I went to go ahead and make the purchase and immediately it pops up on my screen saying : " Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you not to redeem anymore google play gift cards on this account until you receive a response from us for your submission. [ XXXX ] '' So I submit the form and provide the information of the gift card and get an email shortly after saying this : Hi, Thanks for contacting Google Play Support! Were reviewing your message, and well contact you as soon as possible.

In the meantime, you can reply to this email if you have more details to add, or you can review our Help Center for additional resources.

Thanks, The Google Support Team I then replied back to them asking if I could get my account fixed so I could use my gift card and sent them a copy of my email receipt, gift card and the email that was sent from XXXX XXXX with the gift card. A few hours later, I got this reply : Hello, Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. 

Thank you, No words of what is going on, how to fix it, if they need anything from me. This is a VALID gift card that I paid XXXX dollars for and is now stuck in limbo and I'm furious that they are stealing that money! I can make purchases with my card, but they have locked my account from being able to use my gift card balance and I'm wanting this fixed! 

All screenshots of everything below.

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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: MD

Complaint narrative:
I am submitting a formal complaint against Lockhart Morris & Montgomery INC for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and South Carolina consumer protection laws. 1. Violation of HIPAA ( 42 U.S.C. 1320d-6 ) & Unauthorized Disclosure of Medical Information Under HIPAA regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( PHI ) without my written consent. Lockhart Morris & Montgomery INC has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. This constitutes an unauthorized disclosure, violating HIPAA privacy rules and federal law. 2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 15 U.S.C. 1692e ( 8 ) Prohibits false, misleading, or unauthorized credit reporting. 15 U.S.C. 1692f ( 1 ) Prohibits attempts to collect an invalid or unauthorized debt. 15 U.S.C. 1692g ( b ) Requires proper debt validation before reporting or collection. Lockhart Morris & Montgomery INC has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. 3. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681b ( a ) ( 2 ) Credit bureaus must have permissible purpose before receiving any consumer information. 15 U.S.C. 1681c ( a ) Prohibits reporting of certain information beyond the legal timeframe. 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance. Isnt medical debt supposed to be taken off credit reports anyway?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Sent this message to my financial institution on XX/XX/year>. Request for Compliance with Regulation E & Documentation of Provisional Credit Denial Hello, I am writing to express concern regarding the handling of my recent claim/dispute with XXXX XXXX XXXX under Regulation E ( Electronic Fund Transfer Act ). As of today, I have not received any correspondence or updates from your institution acknowledging the status of my claim, nor have I been informed of any need for additional time to investigate.

Per Regulation E, a financial institution is required to provide provisional credit within 10 business days of being notified of a disputed transaction unless an extension is properly communicated. I have not received any notification indicating that the investigation has been extended or any confirmation of the issuance or denial of provisional credit. 

I respectfully request the following for my records : XXXX. Written documentation showing the denial of provisional credit. 
XXXX. An explanation for the lack of communication or updates regarding the claim. 
XXXX. A timeline of your investigation into the matter. 

Please treat this request with urgency, as I expect your institution to remain in compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX ( XXXX ) XXXX or XXXX I spoke with someone on XXXX separate occasions XX/XX/year> and XX/XX/year> in which both advised I was denied a provisional credit without notifying me or giving me any updates or information on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MO

Complaint narrative:
Essentially, I was charged by the rental company in XX/XX/year> for unpaid balance even though I had paid my entire account in full, and moved out taking every precaution they told me to take in order to move out. I moved to XXXX the last week of XXXX and they charged me for XXXX rent even though I already turned in the keys and finalized payments then they put it on my credit as an eviction again, even though I had already paid the balance and turned in the keys and moved states! I figured Id let this to because I dont have enough money for a lawyer and now a year and a half later, they closed the account and opened a new one, this affects the XXXX year fall off policy by a whole year and a half and dropped my credit by XXXX points! Theyre scamming people who dont have enough money to represent themselves in a court of law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NV

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX that is currently appearing on all three of my credit reports ( TransUnion, Experian, and Equifax ). 

I have never authorized XXXX XXXX to report or collect any debt on my behalf. I have never signed any agreement or contract with this collection agency, and therefore, they have no legal basis to include this account in my credit report. 

Their actions represent a violation of my consumer privacy and the Fair Credit Reporting Act, as they are reporting personal information without my knowledge, consent, or verifiable documentation. 

On XX/XX/year>, I sent certified dispute letters to all three credit bureaus requesting validation and removal. The tracking numbers show that these letters are currently delayed, so I am submitting this dispute through the CFPB to ensure that my rights are enforced. 

I am attaching the following documentation to support this dispute : Certified letters sent to TransUnion, Experian, and Equifax USPS tracking numbers as proof of mailing and delivery delay Identity Declaration confirming I have no connection or agreement with XXXX XXXX Government-issued ID Utility bill confirming my current address Screenshots from my credit reports showing the account being reported I am requesting that this account be immediately removed from all credit reports, as it is being reported without my authorization and without legal or contractual justification.

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