vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies 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. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-09-22 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:
I am disputing a XXXX collection account that appears on my credit report. The debt was sold to XXXX, and I paid {$55.00} on XX/XX/year>, to settle the account. XXXX agreed by phone that the account would be deleted from my credit report after payment, but it remains listed on Experian. 

XXXX was inconsistent and inaccurate with the amounts owed. They emailed a total due of {$130.00} and a settlement offer of {$69.00}, but I paid {$55.00}. At no point did the account accurately reflect the original XXXX bill. 

Additionally, another agency, XXXX XXXX emailed me claiming a balance of {$120.00} for the same XXXX debt, which is incorrect. XXXX never reported the account to any credit bureau, but it shows that the account information has been handled inconsistently. 

I am requesting that Experian delete the negative XXXX collection account entirely from my credit report to reflect that it was fully paid and settled, and that they investigate any inconsistencies caused by XXXX and XXXX XXXX ensure all related accounts are accurate.

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 2025-09-22 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$150.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I ordered XXXX XXXX  supplies from XXXX & XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. 

At that time I was fully insured : XXXX ( and XXXX ) from XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

On XX/XX/XXXX, XXXX XXXX  XXXX submitted a claim to XXXX only, for the entire month of supplies. This was wrong since my insurance switched to XXXX XXXX XXXX on XX/XX/XXXX, which was the middle of the billing period. 

XXXX XXXX XXXX did not bill XXXX or my XXXX XXXX XXXX plan at all for these supplies. 

XXXX processed the claim and issued an Explanation of Benefits ( EOB ) showing {$0.00} paid to XXXX XXXX  XXXX ( Attachment provided. ) EOB also showed total that I may be billed as {$0.00}. 

Despite this, XXXX XXXX  XXXX transferred the entire {$510.00} balance to me and I did not receive a bill for this supposed debt since XXXX XXXX said {$0.00}. 

Since this debt was not submitted CORRECTLY, it remained unpaid and XXXX XXXX XXXX sold the debt to Merchants & Medical ( a debt collection agency ) who reported it to XXXX XXXX XXXX credit bureaus. 

As a result, my credit score dropped over XXXX points, from the excellent credit ( XXXX range ) down to fair credit ( mid XXXX range ). 

This reporting is inaccurate and unlawful : I was fully insured during the entire billing period, and XXXX XXXX confirms I owed nothing. The debt only exists because XXXX XXXX XXXX  XXXX billed incorrectly and failed to submit to my secondary coverage or the new health plan. I am not skilled in medical billing, but XXXX I know that if a patient has both XXXX ( and XXXX ) and they switched to a managed care insurance plan midway through the period billed and you received {$0.00} for this claim, SOMETHING IS VERY WRONG and it probably WAS NOT SUBMITTED CORRECTLY! And instead of fixing the problem they created, they pushed the blame to me and ruined my excellent credit at a time when I need it most.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
am submitting this complaint because the following accounts have been disputed and removed from my credit reports in previous rounds, but the credit bureaus have unlawfully reinserted them without proper notice or investigation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX This account has been disputed and deleted twice before. This is now the third time it has been reinserted. 
XXXX XXXX XXXXXXXX This account was deleted in the first round of disputes but has now been reinserted. This is the second round. 
XXXX XXXX XXXX XXXX This account was also deleted previously and has now been reinserted. This is the second time I have had to dispute it.Under the FCRA, a credit bureau can not reinsert previously deleted information unless they certify the accuracy and notify me within 5 business days of reinsertion. None of these requirements were met. These repeated reinsertions are harming my credit and violating my consumer rights. 
I am requesting immediate investigation and permanent deletion of these accounts, as the reinsertions are unlawful and in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
am submitting this complaint because the following accounts have been disputed and removed from my credit reports in previous rounds, but the credit bureaus have unlawfully reinserted them without proper notice or investigation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX This account has been disputed and deleted twice before. This is now the third time it has been reinserted. 
XXXX XXXX XXXXXXXX This account was deleted in the first round of disputes but has now been reinserted. This is the second round. 
XXXX XXXX XXXX XXXX This account was also deleted previously and has now been reinserted. This is the second time I have had to dispute it.Under the FCRA, a credit bureau can not reinsert previously deleted information unless they certify the accuracy and notify me within 5 business days of reinsertion. None of these requirements were met. These repeated reinsertions are harming my credit and violating my consumer rights. 
I am requesting immediate investigation and permanent deletion of these accounts, as the reinsertions are unlawful and in clear violation of the FCRA.

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 2025-09-22 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:
I am writing to bring a pressing matter to your attention regarding the Credit Bureaus ' failure to delete erroneous accounts from my credit report. Despite multiple complaints I have previously lodged, it seems that no action has been taken to rectify this issue. I kindly request your immediate intervention and reinvestigation into this matter. 
Over the past few months, I have diligently reported several accounts on my credit report that are inaccurately listed and do not belong to me. These errors have had a detrimental impact on my credit score, hindering my ability to secure loans or obtain favorable interest rates. Despite providing all the necessary documentation and evidence, the Credit Bureaus have failed to take appropriate action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I understand that the mission of the Consumer Financial Protection Bureau is to ensure fair treatment for consumers, and I firmly believe that my case warrants your attention. It is disheartening to see that my previous complaints have not yielded the desired results, and I am now reaching out to you in the hope that you can help resolve this matter.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : on consumer reporting agencies 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.

I understand the importance of your time and the numerous responsibilities the Consumer Financial Protection Bureau holds, but I sincerely hope you can expedite this reinvestigation to ensure a swift resolution. My financial well-being and future opportunities depend on the accuracy of my credit report, and I trust in your ability to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
I, XXXX XXXX, reside at XXXX XXXX XXXX, XXXX, TX XXXX. The credit bureaus are willfully reporting inaccurate, unauthorized, and fraudulent information on my credit file. I have provided my correct information, and anything outside of that is false and must be deleted immediately.Your continued reporting of this false data is a violation of multiple consumer protection laws : 15 U.S.C. 1681s-2 Prohibits the furnishing of inaccurate information.

15 U.S.C. 1681i Requires reinvestigation of disputed information.

15 U.S.C. 1681a ( e ) Defines consumer report and accuracy obligations.

15 U.S.C. 1681b Limits reports to permissible purposes, which you do not have.

15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Restricts the unauthorized sharing of nonpublic personal information.You have reported accounts, inquiries, and public records without my consent, without a signed contract, and without lawful authority. This is reckless, negligent, and a deliberate violation of my rights.Failure to immediately delete this false information will result in a lawsuit for damages, statutory penalties of up to {$1000.00} per violation, attorneys fees, and injunctive relief. I have attached government-issued identification to verify my identity. You are now on legal notice CEASE AND DESIST all unlawful reporting immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX ( XXXX ) Product : Debt collection ; credit reporting or other personal consumer reports Issue : Failed validation ; continued collection/credit reporting ; inaccurate/changed remarks ; re-aging Summary of Complaint : XXXX is collecting on multiple accounts tied to XXXX XXXX  ( including one previously serviced by XXXX  ) and XXXX  XXXX XXXX XXXX XXXX I sent formal disputes/validation requests. XXXX replied ( email dated XX/XX/2025 ) that they will open a dispute with the current creditor, but did not provide validation themselves. Meanwhile, they ( and/or their creditor partners ) continue collection attempts ( emails/texts ) and the accounts remain reported with inconsistent and harmful credit reporting, including changed remarks and re-aged payment histories. 



Key facts : I sent certified disputes and identity documents ; no mailed validation was provided. 

XXXX admits they do not validate directly, only ask the creditor, which does not meet FDCPA 809 ( b ).

Reporting across bureaus is inconsistent : deletions at one bureau, but still reporting ( with changed remarks/re-aging ) at others. 

XXXX continues to contact me by email/text about payments despite the lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have opened case and they are keep saying that i have signup for directpay which i never did. I did told them i want to pay in full. And just to keep a credit card and make credit score i was using this card. I was using this just to make insurance for medical and ezpass nothing else. I would have use my debit. But i do like discover. And its an employees mistake. And trust me. I never ever agree for minimum payment. Even you can remove half interest its fine. Ill be upset but at least account will be cleared. But main this they want me to pay which is was not my mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and XXXX Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-22 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: NC

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. FOR EXAMPLE TWO XXXX XXXXXXXX ACCOUNTS SHOWING WITH THE SAME ACCOUNT NUMBER AND TWO DIFFERENT BALANCES AND I HAVE TRIED CONSTANTLY TO GET CORRECTED MY RIGHTS HAVE BEEN VIOLATED 15 U.S.C. 1681B ( 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