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: 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: IN

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2025, I submitted a written dispute to Equifax regarding unauthorized hard inquiries that appeared on my credit report. These inquiries were made without my knowledge, consent, or initiation and therefore lack a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b ( a ) ( 3 ), hard inquiries may only appear on a consumers credit report if the consumer has initiated a credit transaction or provided explicit authorization for the credit pull. In my case, I did not initiate any such transactions with the companies that performed these inquiries, nor did I authorize them in writing or verbally. 

Despite my formal dispute, Equifax failed to provide verification or proof that these inquiries were authorized, nor did they remove the inquiries from my credit file as required by law. Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation and delete any item that can not be verified. 

The continued reporting of these unauthorized inquiries not only violates the FCRA 's permissible purpose requirement under 1681b ( a ) ( 3 ), but also demonstrates a failure to maintain reasonable procedures to ensure accuracy, in violation of 1681e ( b ). 

This situation has caused undue stress, frustration, and emotional hardship. It is also actively damaging my creditworthiness, affecting my ability to obtain fair credit and financial opportunities. 

I am requesting that the CFPB investigate Equifax 's failure to comply with federal law, hold them accountable, and require the immediate deletion of these unauthorized and unverifiable inquiries from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: IL

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 disputed entries.

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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: WA

Complaint narrative:
I received a bill for the total amount of a XXXX XXXX XXXX XXXX XXXXXXXX. I have done multiple XXXX XXXX XXXX XXXX XXXX in the past, i only ever had to pay a co-pay. 

I contacted XXXX, both through their phone line and through an email. They said they would investigate. This " could take up to three months '' - they told me to be patient. 

I contacted XXXX XXXX here in Washington. They told me _they_ would investigate. They told me i had 3 months to sort it out. 

That was all starting back in XXXX. Today I got a letter from a collection agency saying they're taking over the case. 

Every time i've talked to someone in a phonebank somewhere, they seem to think my XXXX  used the wrong codes. And that meant it appeared to be 'not covered. ' They seem to say, " yeah, if it's just a telehealth visit you're covered. '' Now they've taken long enough i've got a credit collector hounding me.

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: Experian Information Solutions Inc.
State: CA

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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$120.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 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: LEXISNEXIS
State: IN

Complaint narrative:
My personal information was exposed to XXXX breach and my stolen and i do not recognize these accounts listed XXXX i do not racognize these accounts listed below :

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: EQUIFAX, INC.
State: NV

Complaint narrative:
This account is showing up on my Equifax credit report with a status of at least 120 days past due, despite the fact that the account is closed and carries a {$0.00} balance, indicating the debt has been resolved. To make matters worse, this same account is being reported differently by other credit bureaus, with Experian listing it as a paid collection and XXXX not reporting it at all. 

These inconsistencies and inaccuracies are damaging my credit report and, more importantly, are directly interfering with my ability to qualify for a mortgage. I am actively working to purchase a home, and inaccurate reporting like this is creating unfair obstacles for me and my family. 

Given the fact that : The account is closed The balance is {$0.00} The account is being reported inconsistently across credit bureaus The derogatory status being reported by Equifax is misleading and outdated I am formally requesting that Equifax remove this account entirely from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information and to request its removal when it can not be verified or is being reported inconsistently. Please delete it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for improperly reporting a medical collection account to my credit report. 
The medical debt in question is in the amount of {$600.00}, with a date of service of XX/XX/XXXX. It was placed in collections on XX/XX/XXXX and was reported to XXXX on XX/XX/XXXX. 
Under the current credit reporting rules updated by XXXX  and other credit bureaus in XX/XX/XXXX, XXXX XXXX are not to be reported to credit bureaus until they have been in collections for at least XXXX full year. ( Direct link to this exact rule : https : XXXX ). This account was reported after only XXXX  months, which is a clear violation of those standards. 
I have already submitted a formal dispute to XXXXn and am requesting that the account be removed from my credit file immediately. I ask the CFPB to review this matter and ensure that XXXX  complies with credit reporting regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I noticed a collections account from one ProCollect Inc. on one of the credit reporting agencies, Experian, on XX/XX/year> without any contact from the company ProCollect Inc. The balance is {$1200.00}. I never received a phone call, spoken in person, received a letter, nor any electronic communication prior to XX/XX/year>. 

I contacted the apartment Cottages at XXXX XXXX XXXX for more information between XXXX and XXXX. After numerous back and forths, I was able to confirm the debt is incorrect. The correct amount should be {$38.00}. Regardless, I never received any information from the debt collector until XX/XX/year> with the incorrect amount of {$180.00}. 

I filed a dispute through Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no new updates. 

I have sent certified mail with return receipt on XX/XX/year> and have not heard back. 

As of XX/XX/year>, the collections account is still reported by the credit reporting agencies and hasn't been updated since the original balance of {$1200.00}. The account shouldn't be on my credit because they never contacted me prior to XX/XX/year>.

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 — Account status incorrect
Company: CrossCountry Mortgage LLC
State: TN

Complaint narrative:
Crosscountry Mortgage is reporting that I was 30+ days late on my mortgage payment. I have never been late. On XX/XX/2025, I learned that Crosscountry mortgage had increased my payment as a result of an escrow analysis. The old payment amount was {$2000.00} and the new payment would be $ XXXXImmediately upon getting this information, I contacted them by telephone. I adjusted future payments effective XX/XX/2025 to the new amount and maid a payment of {$130.00} to bring me up to date. I asked the representative to remove the derogatory information from my credit file and was told to email XXXX. I sent the email on XX/XX/XXXX. On XX/XX/XXXX I received a response that indicated they would need up to 30 days to respond. To date I have received no correspondence. I called them directly again today, XX/XX/2025 and the representative couldn't help me. 

Crosscountry Mortgage is reporting that I am 30 days late on my payments. I have never missed a payment.

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: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. 
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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After making multiple attempts to remove inaccurate personal information from my consumer report, Equifax has failed to accurate update my report with accurate information, due this failure my consumer report has been negatively impacted. According Chapter 15 681s-2 this a violation of FRCA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Yesterday around XXXX I paid my XXXX subscription and went on to pay my XXXX subscription. However, I couldn't use the card on my XXXX subscription. I figured it was a XXXX thing so I went to use it to pay for my daughter 's pills ( happy flow ) online and it wouldn't work. I was told several reasons by a couple customer service reps, one was my card was fine and it worked that it was the site, another reason was fraud and it would take until XXXX the following day, etc. I tried to use it today at XXXX twice at an ATM and another online purchase with no avail. I have spent hours on hold waiting for customer service assistance. The last one I spoke with said I need to go to other ATMs and try it in multiple places that its the companies. There's no easy its all the companies and ATM banks fault. It's the card! They keep saying it's active and that I should try it at XXXX. I live an hour from the nearest XXXX. They have allowed ATM fees even though this money is from social security and I'm not suppose to be charged ATM fees, it's been years of ATM fees I'll never see again. They are stealing my money. I'm currently on hold waiting one more to speak with one of those workers to release my money. This is for my dialed daughter and children who have survivors benefits due to losing their Dad. We are behind on our bills as it is therefore each day and each hour matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: SC

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX ( XXXX ) in connection with a financing agreement for XXXX treatment through XXXX ( XXXX ). 

I entered into a contract with XXXX for clear aligner treatment, which was to be managed under the supervision of a licensed dental professional. The financing for this service was arranged through XXXX. However, in XX/XX/year>, XXXX suddenly filed for bankruptcy and ceased all operations without notice, leaving me unable to complete my treatment. 

Since that time, I have received no support, guidance, or communication from XXXX have made a payment of XXXX XXXXXXXX {$2000.00}. I was left mid-treatment with no access to dental professionals, no customer support, I reached out letting them know my aligner did not fit and wont working there was no response and no way to continue or complete the services that were promised to me. Despite this breach of contract by XXXX, XXXX continues to charge me monthly payments for a service that is no longer being provided and can not be fulfilled. 

I am being charged for XXXX care that was never completed, without any licensed provider oversight, which contradicts both XXXX standards and consumer expectations under a legally binding agreement. I consider the contract null and void due to XXXX failure to deliver the agreed-upon services. 

Thank you for your attention to this matter. I am asking the CFPB to investigate this situation and help ensure that consumers like myself are not held financially responsible for services that were never provided due to the companys collapse.

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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief