vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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:
I am disputing the accuracy and validity of the account listed by XXXX XXXX on my credit report. This account is identified as a medical debt collection, with an original balance of {$630.00}. However, it is improperly reported and violates updated credit reporting standards and federal protections. 

As of XX/XX/year>, the three major credit bureau Equifax, Experian, and XXXX, implemented significant changes regarding the reporting of medical debt. Under these new rules, supported by CFPB guidance :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Told creditor under the FDCPA please verify this information reported is XXXX percent accurate and to send verifying documents. Otherwise, please have this removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is reporting information that is not related to my personal information.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a request for validation of debt shown by XXXX XXXX. I asked for the following to be provided : The amount of the debt claimed. 
The name of the original creditor. 
A copy of the agreement, contract, or other instrument that created the debt. 
Verification that they are licensed to collect debts in TX.

I requested that if any of the above information is not available, to please provide an explanation as to why. Additionally, I requested that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus.

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 2025-06-28 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: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding an account being reported by XXXX XXXX XXXX XXXX ( Account ending in XXXX ). The account is being reported on my XXXX  credit report as a charge-off in the amount of {$2500.00}, with derogatory and past due status. I never received any original wet-ink signed contract or verification of this account from XXXX. I issued a formal dispute and a Conditional Acceptance for Value, requesting : The original signed agreement Full accounting and payment history ledger IRS Form 1099-C ( if charged off ) Chain of title or assignment documentation Proof of lawful authority to collect and report the debt XXXX XXXX has failed to respond or validate the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Continuing to report a charge-off without validation constitutes false and misleading representation ( 15 USC 1692e ) and unfair or unconscionable means to collect ( 15 USC 1692f ).

I will also be filing IRS Form 3949-A for potential tax reporting violations, and IRS Form 1099-C if XXXXXXXX  failed to properly report the cancellation of debt. I am requesting that the CFPB take immediate action to enforce federal law and have this unverifiable account permanently deleted from my consumer report due to noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding an account being reported by XXXX XXXX XXXX XXXX ( Account ending in XXXX ). The account is being reported on my XXXX  credit report as a charge-off in the amount of {$2500.00}, with derogatory and past due status. I never received any original wet-ink signed contract or verification of this account from XXXX. I issued a formal dispute and a Conditional Acceptance for Value, requesting : The original signed agreement Full accounting and payment history ledger IRS Form 1099-C ( if charged off ) Chain of title or assignment documentation Proof of lawful authority to collect and report the debt XXXX XXXX has failed to respond or validate the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Continuing to report a charge-off without validation constitutes false and misleading representation ( 15 USC 1692e ) and unfair or unconscionable means to collect ( 15 USC 1692f ).

I will also be filing IRS Form 3949-A for potential tax reporting violations, and IRS Form 1099-C if XXXX  failed to properly report the cancellation of debt. I am requesting that the CFPB take immediate action to enforce federal law and have this unverifiable account permanently deleted from my consumer report due to noncompliance.

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 2025-06-28 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX  I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX  ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX  I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX  ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA continues to supply a merchant with new card update information after continuous disputed and fraudulent activity. They will not opt me out of XXXX XXXX XXXX. They will not block the problematic and fraudulent merchant. They blame me for ever having done business with the merchant. I am unable to successfully contact merchant. USAA will not opt me out of XXXX. I continue to be at risk with this vendor/merchant called XXXX XXXX also known as XXXX XXXX. It is a cleaning service that XXXX have gone out of business but is not responding. The service, however, continues to charge the card. USAA continues to provide the updated information even with these disputes or requests to flag the merchant and they will not protect me from this issue. They will not help me fix this. At this time I am receiving my third new card. The last card was not even activated and the card was still charged due to the XXXX. When I asked to opt out of XXXX the representatives said the can not opt me out. I was told it is policy. At this time they will not provide anything in writing saying they can not opt out the cardholder from the XXXX program with card services.

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 monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Resurgent is contacting me for XXXX  XXXX. Im currently experience financial difficulties which is why I couldnt pay my payments. I still cant pay right at this moment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-06-28 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: TX

Complaint narrative:
On XX/XX/year> I submitted a request for validation of debt shown by XXXX XXXX. I asked for the following to be provided : The amount of the debt claimed. 
The name of the original creditor. 
A copy of the agreement, contract, or other instrument that created the debt.

Verification that they are licensed to collect debts in TX.

I requested that if any of the above information is not available, to please provide an explanation as to why. Additionally, I requested that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus.

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 2025-06-28 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: TX

Complaint narrative:
I am Reporting Identity Theft, I have submitted this to the FTC and now to Experian Equifax and transunion. If these items have not been removed or blocked within 4 days this will be in violation of 15 U.S.C. 1681c-2 My name is XXXX XXXX and I am filing this complaint against Experian, Equifax and transunion for failure to block fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, a fraud alert was placed on my credit file ( Experian Ref # XXXX ), acknowledging that fraudulent applications may have been submitted in my name and that my identity may have been used without my consent. 

Despite this, Experian, equifax and transunion continues to report multiple unauthorized and fraudulent accounts on my credit report dated XX/XX/year>, including the following : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$68.00} 3. XXXX XXXX XXXX / XXXX XXXX {$320.00} & {$670.00} 4. Dept. of Education / XXXX {$1200.00} with serious delinquencies I have not authorized or initiated these accounts. I have no contractual relationship with the parties listed, nor have I received any goods or services related to them. These debts are not mine and are a direct result of identity theft. 

Under 15 U.S.C. 1681c-2, Experian is legally required to block these fraudulent items within 4 business days of receiving : Proof of identity A police/identity theft report A written statement of dispute Identification of fraudulent information I have already provided these materials. Yet, Experian, equifax and transunion has failed to comply, and in some cases closed the dispute falsely marking it as resolved. This is a direct violation of federal law.

I am requesting the CFPB to : 1. Investigate Experian, equifax and transitions failure to comply with 15 USC 1681c-2.

2. Compel Experian, equifax and transunion to permanently block and remove all fraudulent items listed above.

3. Require Experian equifax and transunion to send written confirmation to me and update all credit bureaus accordingly.

Thank you for your assistance in helping protect consumers like myself from ongoing credit harm caused by identity theft and non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Texas 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 2025-06-28 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: TX

Complaint narrative:
I am Reporting Identity Theft, I have submitted this to the FTC and now to Experian Equifax and transunion. If these items have not been removed or blocked within 4 days this will be in violation of 15 U.S.C. 1681c-2 My name is XXXX XXXX and I am filing this complaint against Experian, Equifax and transunion for failure to block fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, a fraud alert was placed on my credit file ( Experian Ref # XXXX ), acknowledging that fraudulent applications may have been submitted in my name and that my identity may have been used without my consent. 

Despite this, Experian, equifax and transunion continues to report multiple unauthorized and fraudulent accounts on my credit report dated XX/XX/year>, including the following : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$68.00} 3. XXXX XXXX XXXX / XXXX XXXX {$320.00} & {$670.00} 4. Dept. of Education / XXXX {$1200.00} with serious delinquencies I have not authorized or initiated these accounts. I have no contractual relationship with the parties listed, nor have I received any goods or services related to them. These debts are not mine and are a direct result of identity theft. 

Under 15 U.S.C. 1681c-2, Experian is legally required to block these fraudulent items within 4 business days of receiving : Proof of identity A police/identity theft report A written statement of dispute Identification of fraudulent information I have already provided these materials. Yet, Experian, equifax and transunion has failed to comply, and in some cases closed the dispute falsely marking it as resolved. This is a direct violation of federal law.

I am requesting the CFPB to : 1. Investigate Experian, equifax and transitions failure to comply with 15 USC 1681c-2.

2. Compel Experian, equifax and transunion to permanently block and remove all fraudulent items listed above.

3. Require Experian equifax and transunion to send written confirmation to me and update all credit bureaus accordingly.

Thank you for your assistance in helping protect consumers like myself from ongoing credit harm caused by identity theft and non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Texas 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 2025-06-28 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: HW Holding, Inc
State: AL

Complaint narrative:
I asked for information on how they got my information. I asked for a copy of the contract that I signed releasing my information to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXX XXXXXXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX Requesting a 1099 form for the charge off account.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Told creditor under the FDCPA please verify this information reported is XXXX percent accurate and to send verifying documents. Otherwise, please have this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Told creditor under the FDCPA please verify this information reported is XXXX percent accurate and to send verifying documents. Otherwise, please have this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I received a collection letter from Capio Partners regarding a {$700.00} medical debt from XXXX. I disputed the debt and requested validation. Capio responded with only a basic billing statement from a third-party provider, which did not meet legal standards of debt validation under the FDCPA and Texas Finance Code.

I then sent a second certified letter requesting full validation, including : itemized billing details, proof of debt ownership, a signed agreement, and HIPAA authorization. I have proof that Capio received my second letter, but they never responded. 

This debt has since disappeared from my credit report, but Capio never provided proper verification and failed to respond within a reasonable time. I am filing this complaint to document their noncompliance and protect against any future re-reporting or resale of this invalidated debt.

Company response to consumer: Closed with non-monetary relief