vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: DC

Complaint narrative:
I am reporting that I was contacted via email several times that went to my spam inbox about an unexplained medical debt of {$3700.00} in XXXX by a company called XXXX XXXX. I was initially left a Voicemail by XXXX from XXXX XXXX XXXX on XX/XX/XXXX by XXXX and most recently by XXXX from XXXX XXXX XXXX Via phone on XX/XX/XXXX. They have called several times without leaving a voicemail as well by an automated message stating the name XXXX. I disregarded prior attempts as scam. In XX/XX/XXXX a debt appeared on my Credit score by XXXX XXXX in the same amount. I called this company and reported that the debt wasnt mine and to conduct an investigation. I never received a follow up. I called back and was told to pay the debt. I conducted a dispute several times with the credit bureaus to delete this. This item has been on my credit report for several months and is fraud. The company Omega RMS somehow obtained my email and contacted me via email requesting money on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They never sent a contract and refuse to remove this debt. These are scammers!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing several unauthorized hard inquiries made by XXXX XXXX XXXX XXXX  on my credit report. Although I maintain an account with XXXX, I did not authorize the following hard inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As stated in the Fair Credit Reporting Act ( FCRA ) 604 ( a ), any hard inquiry must have a permissible purpose and explicit consumer authorization. I am requesting an immediate reinvestigation into these inquiries and demand that you provide documentation proving that I gave authorization for each one. 

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), if verification can not be provided, you are required to delete these inquiries 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 explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-16 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 am filing a complaint to serves as a formal second request to dispute the following information that continues to appear on my credit report despite my prior written request for an investigation under the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I previously submitted a dispute regarding the following account ( XXXX ), and to date, the inaccurate or unverifiable information remains : XXXX XXXX * * * * * * Balance : {$140.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * Balance Owed : {$14000.00XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF 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 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 2025-05-16 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: FL

Complaint narrative:
I am filing a complaint to serves as a formal second request to dispute the following information that continues to appear on my credit report despite my prior written request for an investigation under the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I previously submitted a dispute regarding the following account ( XXXX ), and to date, the inaccurate or unverifiable information remains : XXXX XXXX * * * * * * Balance : {$140.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * Balance Owed : {$14000.00XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF 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 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 2025-05-16 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: PA

Complaint narrative:
Negative accounts is being reported on my consumer report even though my information was leaked by Equifax, which a settlement check has been issued to me from this breach Here are the accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
A hard credit inquiry was run on a card I don't have. The bank allowed pre-qualification as advertised on its website, but they terminated my credit without my consent. 

Entity : XXXX  Date : XX/XX/year> Business type : 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 2025-05-16 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 2025-05-16 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: KY

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 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-05-16 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:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  in my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I am formally disputing a fraudulent account reported by XXXX XXXX appearing on my credit report. I have never applied for, signed for, or authorized any account with this company. This is identity theft. 

This account is reporting 13 unverifiable late payments across all three bureaus and is negatively impacting my credit, violating my rights under the FCRA and 15 U.S.C. 1666b. I have filed both a police report and an FTC Identity Theft Report, which I am uploading as supporting documentation.

Under FCRA Section 605B, fraudulent information must be removed within 4 business days upon receipt of proof, not the standard 30-day dispute timeline. I demand the immediate removal of this fraudulent account and its damaging late payment history. Im a sc resident heres the proof Failure to remove this item within 4 days will result in legal action. This is fraud, and your continued reporting is causing significant harm. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a XXXX XXXX account that was paid off in a settlement payment on XX/XX/year>. The account was updated correctly on my credit reports for a couple weeks until today. Equifax went and reported the account as open again with a current balance. This has resulted in a XXXX point drop for my FICO and vantage score as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Im disputing a late payment listed on my credit report. This is incorrect I made my payment on time. This is being reported wrong and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I signed up for a passed to XXXX XXXX. I never used the passes the entire time frame the passes was active XXXX. I requested a refund with XXXX XXXX I never received it now associated. Credit is attempting to collect on a debt for service inot provided. I was told that the past was access. It couldnt have been because I never did. My identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Equifax, I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. These accounts were previously disputed and subsequently removed due to their fraudulent nature. It is a violation that these items were put back on my report. Their reinstatement without proper investigation and certification violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within 5 business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts. 
Request for Immediate Action I request the following actions be taken within 5 days of receipt of this letter : 1. Removal of the fraudulent accounts from my credit report.

2. Provision of all documentation used to verify the accounts accuracy and legitimacy during the reinsertion process.

3. A formal response acknowledging your compliance with this dispute. 
Notification of Escalation If the above actions are not completed within the required time frame, I reserve the right to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 
Pursue legal action under FCRA Sections 616 and 617 for willful or negligent noncompliance, seeking statutory and actual damages of {$1000.00} per violation, as well as attorneys fees. 
This dispute pertains to the unlawful reinsertion of previously removed information on my credit report. Under Section 611 ( a ) ( 5 ) ( B ) of the FCRA, I am requesting that this matter be resolved, and the information permanently removed from my credit report, within 5 business days of receipt of this letter, as required by law. 
This letter is being sent via certified mail to ensure proper documentation. I expect prompt and resolved as soon as possible. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found this specific collections account on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. I have not been contacted or warned of any debt by the debt collector " XXXX  XXXX XXXX XXXX '', I only found out of this debt collector due to me receiving a credit alert. I have been very attentive to my credit report checking my alerts through credit monitoring at least 3 times a week! I was just preapproved to purchase my family a home and now this disaster has happened. Please remove these fraudulent accounts from my credit report as soon as possible. 
Listed on my Transunion, Experian, and Equifax report the original creditor is XXXX XXXX XXXX, the collection agency listed is XXXX  XXXX XXXX XXXX the account number to reference is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation