vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern I am disputing a medical debt being collected by XXXX, listed under account number # XXXX XXXX XXXX XXXX XXXX I believe this collection is inaccurate, improperly validated, and may violate federal consumer protection laws including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX began collection efforts on a debt that I do not recognize and failed to provide proper validation when requested. I did not receive a detailed, itemized bill or clear documentation showing I owe this debt. Despite this, XXXX has continued to pursue collection and may have reported the account to credit reporting agencies, damaging my credit.

I also have concerns that the original medical service may be subject to protections under the No Surprises Act, such as out-of-network charges for services rendered at an in-network facility without notice or consent.
This raises further concerns about the legitimacy of the amount being collected.

This collection activity may violate : FDCPA 809 ( b ) : No proper validation of the debt was provided after I requested it.

FCRA 623 : Potential inaccurate or unverified credit reporting.

No Surprises Act : Medical billing practices may be in violation if surprise billing occurred. 
I respectfully request that the CFPB investigate this matter and ensure XXXX : Immediately ceases collection activities until proper validation is provided.

Removes or corrects any inaccurate credit reporting related to this account.

Provides a full, itemized breakdown of the charges and verifies their legitimacy.

Reviews whether this billing violates consumer protections under federal law.Under Section 609 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I have the right to dispute any inaccurate or incomplete information in my credit report, and I request that you investigate this matter.

Additionally, according to Section 611 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and correct any inaccurate or misleading information that has been reported to the credit bureaus. I kindly ask that you investigate the disputed entry and remove or correct it.

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 2025-07-02 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: NC

Complaint narrative:
Theres was a new credit inquiry that I did not authorize on my transunion report. I do not recognize this inquiry. 

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 2025-07-02 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: NJ

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DPT EDXXXX XXXX BALANCED {$4300.00} DPT EDXXXX XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXXXXXX BALANCED {$6400.00} DPT EDXXXX XXXX BALANCED {$3700.00} DPT ED/XXXX XXXXXXXX BALANCED {$3100.00} DPT EDXXXX XXXX BALANCED {$59000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., concerning the failure of [ insert name of Credit Reporting Agency or Furnisher ] to properly investigate and correct inaccurate and/or unverifiable information appearing on my credit report. 

Despite notifying [ Experian, TransUnion, Equifax, or specific furnisher ] in writing of this inaccuracy on [ insert date of dispute ], they have failed to comply with their obligations under XXXX XXXX. XXXX ( a ) and/or XXXX U.S.C. XXXX ( b ) to conduct a timely and reasonable investigation, and to delete or correct inaccurate or unverified information within the required XXXX period. 

Disputed Item ( XXXX ) : Late payment XXXX, XXXX, XX/XX/XXXX Inquiries with no accounts attached, XX/XX/XXXX, XX/XX/XXXX Department of education loans listed negatively ( XXXX total accounts )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-07-02 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRY : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am disputing a loan charged by Affirm for a {$2100.00} tire purchase from XXXX XXXX  ( Loan ID : XXXX ). I never received the product, and the merchant failed to notify me of the shipment or provide tracking information until after the package was already marked delivered. This prevented me from being able to monitor the shipment or take any action during delivery. 

XXXX XXXX never emailed any tracking or shipment confirmation, which is a clear breakdown in the transaction process. After I reached out only because time had passed with no updates, I was finally given tracking information showing the package had already been delivered. However, the package was not delivered to my unit number, and there was no signature, delivery photo, or confirmation that it reached me directly. 

Despite these facts, Affirm has ruled in favor of the merchant and is requiring me to pay for a product I never received. They state that because XXXX XXXX provided a XXXX  delivery scan, the dispute is closed even though Ive shown that XXXX XXXX failed to send any pre-shipment communication and that the delivery address was incomplete or mishandled. 

This is a clear case of merchant negligence, and Affirm is enforcing a loan based on incomplete delivery data and a failed notification process. Ive already submitted a XXXX complaint and provided documentation to Affirm. Their decision does not consider the full context, and I believe they are violating fair lending expectations by refusing to take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXX/XX/XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXX/XX/XXXXDate Opened XX/XX/XXXX Account Name : XX/XX/XXXX Date Opened XX/XX/XXXX Account Name :XX/XX/XXXXDate Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-07-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-02 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: TN

Complaint narrative:
PLEASE REMOVE THESE FRADULENT INQUIRIES FROM MY CREDIT REPORT. 
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THESE FRADUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute inaccurate reporting Dept of education / aid via e-OSCAR, violating Metro 2 and FCRA Section 623 ( a ) ( 1 ). Dept of education claims I owe a debt I do not owe. I have no account or contract with Dept of education, and this error has harmed my credit and employment prospects.

Dispute Details : sham investigation Issue : Invalid debt, unverifiable, likely fraudulent. 



Metro 2 Violation : Inaccurate reporting ( Metro 2 Dispute Code : XXXX Not liable for account ; XXXX Account not mine ). 



Impact : Damaged creditworthiness and employment opportunities. 



Demand : Delete from Equifax, Experian, TransUnion per FCRA Section 611 ( a ) using e-OSCAR Dispute Code XXXX XXXX Account not mine ).

Action Requested : Investigate and delete using Metro 2 Compliance Code XXXX ( Delete due to inaccuracy ). 



Confirm deletion within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute inaccurate reporting by XXXX XXXX XXXX XXXX via e-OSCAR, violating Metro 2 and FCRA Section 623 ( a ) ( 1 ). XXXX XXXX XXXX XXXX ( XXXX ) claims I owe a debt I do not owe. I have no account or contract with XXXX XXXX, and this error has harmed my credit and employment prospects. 

Dispute Details : Issue : Invalid debt, unverifiable, likely fraudulent. 



Metro 2 Violation : Inaccurate reporting ( Metro 2 Dispute Code : 01 Not liable for account ; 07 Account not mine ). 



Impact : Damaged creditworthiness and employment opportunities. 



Demand : Delete from Equifax, XXXX  TransUnion per FCRA Section 611 ( a ) using e-OSCAR Dispute Code XA ( Account not mine ).

Action Requested : Investigate and delete using Metro 2 Compliance Code 98 ( Delete due to inaccuracy ).

Confirm deletion within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} Chapter XXXX Bankruptcy Dismissed Reference # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-02 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CRED Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I found multiple inaccurate and misleading entries which I am formally disputing under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Specifically : 1666 ( b ) ( 4 ) : The creditor failed to reflect payments properly.

1666 ( b ) ( 5 ) : There is a computation or similar accounting error.

1681i ( a ) : You are required to conduct a reasonable reinvestigation of disputed information.

According to my records, I was not sent a billing statement with at least 21 days notice, which is a legal requirement. As a result, any late payment reporting is invalid. Furthermore, the creditor has failed to provide proper evidence to support the claims made on my credit report. No original billing statements, payment histories, or verifiable documentation have been supplied only generic responses and unverified information.

If the information can not be fully verified, 15 U.S. Code 1681i ( a ) ( 5 ) clearly states that it must be deleted or blocked from the report. Continuing to report unverified or inaccurate data is a direct violation of the FCRA. 
As such, the following accounts must be immediately updated to Paid as Agreed or removed entirely : 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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Someone owes utilities and it not me someone using my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2025, I, XXXX XXXX, made an ACH transfer of {$100000.00} ( Trace # XXXX ) originating from Capital One ( Account ending in XXXX ) to my wife, XXXX XXXX, XXXX 's account ( Account ending in XXXX ). 

XXXX froze and subsequently closed my wifes account after receiving a transfer, which they flagged as suspicious and potentially fraudulent. However, all account activity was legitimate, and we were not informed of any wrongdoing or contacted by law enforcement regarding this transaction. 

XXXX is now refusing to release or return the funds and is requiring a Hold Harmless form from the originating bank. However, the originating bank has not yet issued such a letter, as they maintain the transaction was proper and lawful. We have spent over a month attempting to resolve this issue with both banks, but have made no progress. 

The receiving bank will not cooperate further or offer an alternate resolution. I have provided all requested documentation and am being denied access to my funds, totaling {$100000.00}, without legal justification. 

I am requesting CFPB assistance to help facilitate the return of the funds or a written legal explanation for their continued hold. I believe this situation is both unfair and violates consumer protection and banking regulations. Your assistance in resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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