vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I went to the ER on XX/XX/year>. I received several bills from several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but did not receive a bill from XXXX XXXX. I paid off my the final bill ( after Insurance adjustments ) to the 2 that actually sent me a bill. Medical bills can be tricky, I thought everything from the ER visit was paid, and almost 3 years later I get a collection from XXXX on my credit report and a text saying I owe {$1400.00}. I looked up my account and immediately requested validation because I didn't even know this debt existed, or else it would have been paid. When I receive the validation letter there are 2 issues with the bill. # 1 They have my address completely wrong, which explains why I never received a bill. # 2 They didn't file a claim with my insurance which they are in-network for. The other 2 companies had my right address and also filed claims, so I don't understand how this company got everything wrong. I provided XXXX with my medical insurance which they took and sent to the creditor, but then reopened the account saying they can't file the insurance claim. I then contacted the original creditor directly and also gave them my insurance information, and they told me they would file a claim. The claim was processed but my insurance denied payment because the company didn't send the claim within 90 days. My insurance instructed me to ask the creditor to file an appeal given the circumstances. They have ceased all communication with me and now I'm only dealing with XXXX. The original creditor is in-network with my insurance company and should be under contract that requires them to file claims on time. Regardless, the claim EOB shows that the maximum billable amount is {$770.00}, and that I do not owe them due to their mistake not filing in time. The collection agency is still trying to collect the full {$1400.00}. I feel that the company violated my rights by not contacting me in time to take care of both issues. Because they had the incorrect address, I never had the oportunity to request they file the claim on time or pay the remaining debt I never knew I owed. As I said before, I received multiple bills related to this ER visit from various providers and paid them off.. I thought I was done. I didn't know this existed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-27 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: NM

Complaint narrative:
All the closed accounts are still reporting to all credit bureaus over 7 yrs statute of limitations

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 2025-06-27 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: NM

Complaint narrative:
All the closed accounts are still reporting to all credit bureaus over 7 yrs statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
Experian conducted an investigation for a dispute that was submitted on a paid off closed account. Experian was sent the letter that the collections agency sent to me stating the balance was satisfied and Experian still stated the information was 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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KS

Complaint narrative:
I mailed a letter to Lexis Nexis disputing information and to verify my disputes ; however, my letters keep getting returned to sender, and the address is correct according to their website. Lexis Nexis is violating my rights by refusing to accept my disputes and to accurately verify the disputes according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against Bank of America for the improper handling of my secured credit card account. Prior to my arrest on XX/XX/year>, I had a secured credit card with a \ {$500.00} deposit, which I maintained in good standing. I paid the balance down in advance, and at the time of my incarceration, there was only a small remaining balance. Due to my incarceration, I was unable to make further payments. However, instead of applying the \ {$500.00} security deposit to the remaining balance as required under a secured credit card agreement, Bank of America charged off the account and is reporting a balance still owed, while keeping the deposit. This is not permitted. The deposit is meant to be used to cover any unpaid charges. Retaining the deposit while also reporting a charge-off with a balance owed is unfair, deceptive, and a likely violation of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting that Bank of America immediately apply the deposit to the balance, remove any remaining amount reported as owed, delete the negative credit reporting, and send written confirmation that the issue has been resolved. If this is not corrected, I will consider pursuing legal action for the financial harm and damage to 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a credit card account with this company on or around XX/XX/XXXX. The credit limit was {$300.00}, and I was required to make monthly payments of {$25.00}. Unfortunately, I experienced financial hardship and was unable to keep up with payments after XX/XX/XXXX. My last payment was made on XX/XX/XXXX. As of the latest update on XX/XX/XXXX, the account is listed as being 120 days past due. 

Additionally, I mistakenly entered the wrong birth year when I applied, which may have affected the information reported to the credit bureaus. Id like to clarify or correct any personal information on file, if possible. 

I am requesting a review of this account, including any available options to resolve or update the status of this debt. I would also appreciate information on how this account is scheduled to be removed in XX/XX/XXXX and whether anything can be done to address the negative impact sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2025-06-27 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: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX and CCF INTERMEDIATE HOLDINGS LLC AND XXXX XXXX. Did not authorize with me to run credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
UPSTART NETWORK INC and XXXX XXXX XXXX XXXX AND XXXX XXXX. Did not authorize with me to run credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding multiple inaccuracies on my credit report that are the result of identity theft. These unauthorized accounts and inquiries have caused me financial harm and stress, and I am requesting your assistance in ensuring my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681c-2 ( a ) are upheld.

I have reason to believe my personal information was compromised during the Equifax data breach, and since then, I have seen suspicious activity on my credit reports that I did not authorize. I did not open the following accounts and they should be removed immediately : XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX Balance : {$2400.00} Additionally, there are several unauthorized credit inquiries listed on my reports that I did not initiate. These include : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX My credit report also includes incorrect addresses that I have never lived at or been associated with. The only correct address that should be listed is : XXXX XXXX XXXX, XXXX, Indiana 46320 Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, XXXX am requesting that these fraudulent items and incorrect information be blocked from my credit reports, as they are the result of identity theft. I have attached supporting documentation, including a copy of my ID, a police report, and a formal identity theft affidavit ( if available ), as required by law. 

I appreciate your prompt attention to this matter and your help in protecting consumers like me from the long-term effects of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-27 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I received a fraud alert from XXXX. I called and was advised that someone claimed fraudulent charges through my XXXX  account with Navy Federal Credit Union. Some days later XXXX locked and closed my account due to fraudulent transactions. Later XX/XX/year> I went to Navy to get an explanation and I was told that they couldn't provide me with any information concerning my account and that I would be issued a cashier 's check for {$10000.00} that same day. After receiving the check the cashier then advised me that I could deposit that check into my business account since it had not been affected. On XXXX XXXX XXXX I returned to the bank to withdraw money for my business and was told the account was locked. They wouldn't provide me with any other information about why the account was closed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
An unauthorized charge was made to XXXX from my Chime account. 
Chime informed me they would refund in 10 days and did not. 
Chime cancelled my card I still have not received the new one. 
When I asked Chime why my money from XXXX was not refunded? 
Chime emailed there was no error???

Why not I did not authorize then I was told if I had any other information they would consider opening up an scripted investigation?

1 ) I did not authorize 2 ) Debit card was lost 3 ) No police report because I was not mugged or robbed 4 ) Serious language barrier with customer service

Company response to consumer: Closed with explanation