vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Money was taken from my account and claims filed! There was a fraud in my account and they refused to see the fraud and returned funds to the cryptocurrency company! They falsely bank without having jurisdiction and processing claims to my own funds illegally! This is a foreign bank claiming to do business in the United State!

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 2025-06-09 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: MD

Complaint narrative:
I am a victim of identity theft, and I believe my personal information was compromised due to the XXXX  XXXX breach, for which I have a confirmation email directly from XXXX  acknowledging I was affected. I have submitted a formal FTC Identity Theft Report, government-issued ID, and proof of address all of which confirm my identity and that I did not open the following accounts. Despite providing this documentation, XXXX  continues to report these fraudulent accounts, which is in direct violation of FCRA Section 605B. Fraudulent accounts on my XXXX  report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that the Consumer Financial Protection Bureau XXXX CFPB ) step in and ensure XXXX  complies with federal law. Under FCRA 605B, once a valid identity theft report is submitted, the credit bureau must block the fraudulent information within four business days. I have met every requirement and yet XXXX has failed to take action. Please ensure these accounts are permanently deleted from my XXXX  credit file and that I am provided written confirmation once my report is corrected.

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 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The hospital XXXX XXXX XXXXXXXX XXXX collections department refused to work with me even though I made payments on schedule as I said I would and turned the account over to a 3rd party collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This company sent me an email with " no-reply '' emails addresses and a phone number. I contacted the company and asked why out of the 3 payments I had already made only 1 was processed and he told me I had to prove it. He said I had to have confirmation numbers but their system does not provide confirmation numbers. He was very rude and harsh. I used the link to make the payment that they sent me in their email so I should not have to prove anything. Sounds fishy!! I also asked him to offer the hospital a settlement amount but he refused unless I gave him all my personal information. I asked him for an email I could send a request to and he gave me one but I have sent 2 emails and can get no response. They absolutely refuse to assist in this situation. I guess they are just waiting for this to sit so they can sue me? I have heard nothing from them since my initial email from XX/XX/XXXX. This is just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-09 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: MD

Complaint narrative:
I do not have any public records on my report, and I kindly request, with urgency, that these inaccurate details be removed immediately. This is causing me XXXX, and I can not allow it to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The thing is I recently closed my XXXXXXXX XXXX XXXX and i call to XXXXXXXX XXXX XXXX  customer service and even they told me you dont have any balance to pay and your both of the XXXXXXXX XXXX XXXX  are closed and even on my credit card app it doesnt show anything no balance nothing but the thing is it still shows on my XXXX XXXX profile about that card why isnt it removed for that reason i do wan na contact you can you update it It still shows on transunion

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 2025-06-09 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: VA

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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
I was notified through one of my credit cards that there was a change in my credit report. So I was able to pull my free credit report which showed me that I was delinquent on a loan with MOHELA. It started reporting negatively in XX/XX/XXXX. This loan was originally owned by XXXX, and in XX/XX/XXXX these loans were consolidated to be put in the student loan forgiveness program. I contacted MOHELA in XX/XX/XXXX to have this updated. Because I had never received correspondence that my loan was obtained by them or that it was up for repayment again. When I spoke to the servicing providers customer service agent I was told that they would correct my account by putting me on an administrative forbearance and then putting me in an income driven repayment program so that I could apply for student loan forgiveness again with their company. My account reflects that I owe XXXX dollars at this time but my credit report is still reflecting 120 days past due XXXX XXXX and XX/XX/XXXX. Of note it is nearly impossible to get MOHELA on the phone. I had to call multiple times and was on hold for many hours between each phone call and was disconnected abruptly on many occasions. This one instance in which I was able to get through. I was on hold for over two hours prior to speaking to a representative. Once the representative got on the phone he was extremely helpful, but it is nearly impossible to get somebody on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
XXXX had my correct email address but never notified me that they was the holder of my loan, nor did they notify me of my payments, they also did not send me an email about debt relief I was eligible for. They was rude and discriminatory on the phone with me. They was demeaning and belittled me. They will not answer my questions. And now will not talk to me about my loan. They are shutting me off from finding out about my loan and how to move forward. Also my credit report is wrong.

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 2025-06-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX - {$330.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$93.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX - {$330.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$93.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX 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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Hello A payment dispute was opened By XXXX  XXXX XXXX in which I alleged fraud in inducement by XXXX XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX by a third party Contractor employed there. Fitting fee {$600.00} dollars contacts {$1500.00} I won the both disputes XXXX  XXXX ruled in my favor with letters dated XX/XX/XXXX XX/XX/XXXX case number XXXX for {$600.00} dollars and XX/XX/XXXX for {$1500.00} in which XXXX  did not challenge therefore accepting responsibility according to XXXX XXXX for the {$1500.00} Now XXXX XXXX XXXX of XXXX XXXX XXXX XXXX has been harassing me via phone calls and letters to this day for the {$600.00} fitting fee Usually 2 times a week and at least 3 times a month. They trick me with several phone numbers and when I called in good faith to resolve THEY TRIED TO CATFISH ME WITH TWO PEOPLE ON THEIR RECORDED LINE. Phone numbers are XXXX, XXXX and XXXX XXXX Ref # XXXX I called XXXX XXXX dispute several times expressing my XXXX  and they have documented the harassment I have experienced I disputed because Contractor told me AFTER XXXX  collected my money via XXXX  XXXX that the {$600.00} fitting fee was none refundable and that I would have to wear reading glasses even thought I said during our initial consultation that I have always had Multifocal contacts from other providers which I never had needed reading glasses... ever. And I am XXXX XXXXXXXX by today 's standards and have been wearing contacts since I am XXXX XXXX XXXX. 
XXXX XXXX XXXX and XXXX XXXX  are clearly in violation of FDCPA, FCRA and I ask that you investigate both companies to prevent someone else to be harassed by their unfair business practices and before my credit is effected ... my credit is excellent Thank you for your attention to this matter because the calls do not stop and their collection fees continue to climb {$200.00} per letter and month If you need anything further do not hesitate to contact me XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this complaint regarding an account originally held with XXXX XXXX XXXX XXXX XXXX Credit Card ) that has been charged off and is now being reported by XXXX XXXX on my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ) and IRS regulations, once a debt has been charged off and a 1099-C is issued, it is considered canceled debt and classified as income, not an active liability. Therefore, it is no longer legally collectible or eligible to be reported as a current obligation on my credit file. 

Despite this, XXXX XXXX is continuing to report the account to all three major credit bureaus ( XXXX XXXX XXXX XXXX  ) without providing proper verification or legal documentation such as the original signed consumer contract. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 607 ( b ).

I am requesting the immediate removal of this account from all credit reporting agencies due to its inaccurate and unlawful reporting. Failure to do so is harming my credit profile and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding an account originally held with XXXX XXXX XXXX XXXX XXXX Credit Card ) that has been charged off and is now being reported by XXXX XXXX on my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ) and IRS regulations, once a debt has been charged off and a 1099-C is issued, it is considered canceled debt and classified as income, not an active liability. Therefore, it is no longer legally collectible or eligible to be reported as a current obligation on my credit file. 

Despite this, XXXX XXXX is continuing to report the account to all three major credit bureaus ( XXXX XXXX XXXX XXXX  ) without providing proper verification or legal documentation such as the original signed consumer contract. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 607 ( b ).

I am requesting the immediate removal of this account from all credit reporting agencies due to its inaccurate and unlawful reporting. Failure to do so is harming my credit profile and violates my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1900.00}

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 2025-06-09 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reported in my credit report. These remarks have been detrimental to my life credit and 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