vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Dear Credit Bureau I am writing to formally dispute the late payment reported on my credit file associated with my accounts XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I believe this information is inaccurate and request your assistance in correcting it. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. The relevant sections of the FCRA include : - Section 609 : This section gives consumers the right to request information in their credit file.

- Section 611 : This section outlines the procedures for disputing inaccurate information.

In my case, the late payments reported does not accurately reflect.

I respectfully request that you investigate this matter and remove the inaccurate late payments from my credit report as required under the FCRA. Please provide me with written confirmation of your findings and any actions taken regarding my dispute.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-04-02 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-04-02 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: GA

Complaint narrative:
I recently found out in XX/XX/XXXX that there was inaccurate information on my credit report, I did a dispute on Experian inputting all pertinent information and what was being disputed ( month/year ), once I received the completed dispute ( XX/XX/XXXX ) I noticed that the inaccurate information was still on my report, I then contacted Data Mortgage, they said they never received anything from Experian showing this dispute, I was told to send another dispute, which I did again on XX/XX/XXXX, Data Mortgage agreed to take off the inaccurate information because they realized it was an error. On XX/XX/XXXX, I received my completed dispute and again nothing was taken off my report. Data Mortgage said they didn't receive anything stating that I needed to get the information for XXXX XXXX to be taken off. Obviously Experian is not sending the complete information because this should have been done in XXXX XXXX XXXX, I called Experian 6x 's and each time was given different information from the same department. I was told that I could get a copy of the dispute to show what I disputed. I was treated unfairly and was on the phone from XXXX - XXXX with no resolve. This should have never been on my report, now I have to do this process again, another month. This is not how a consumer should be treated by Experian.

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 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Around XX/XX/year>XXXX  my identity was used to rent an XXXX  XXXX At XXXX XXXX by XXXX communities {$12000.00} Was the amount At the time I was rooming at XXXX XXXX XXXX XXXX XXXX And there was no thorough investigation from Equifax XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the deletion of inaccurate information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a dispute on XX/XX/year>, and as of today, more than 30 days have passed without resolution. According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), a credit reporting agency must complete an investigation within 30 days or remove the disputed information. 


I am requesting that Transunion remove the inaccurate information on my credit report. It is ruining my livelihood. Transunion must also cease reporting these accounts to other bureaus and creditors and provide written confirmation that they have been removed. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for violations of federal consumer protection laws. 
I expect Transunion to comply with its legal obligations and remove these accounts immediately. Please confirm receipt of this complaint and provide an update as soon as possible.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company
State: WY

Complaint narrative:
Frost-Arnett has sent text messages and phone calls to my ex-husbands wife. Today, XXXX XXXX, 2025, she was sent a text with a link to my personal information and was able to access it. She has told them many times that she is not me, yet they still continue to call and text her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

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 explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I filed a dispute on all XXXX XXXX XXXX due to inaccuracies. I did not have a balance because my account was in forbearance and deferment. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company accepting unreliable information, failure to notify consumers, er results. This aligns directly with my situation. Experian has not attempted to remove, nor correct the inaccurate information. I am requesting that this incorrect, derogatory remark be removed immediately as this is affecting my chances on getting a home. Experian violated my rights as a consumer as well as federal laws.

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 2025-04-02 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$2200.00} Account number : XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$2100.00} Account number : XXXX There are also fraudulent inquiries reporting with : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-04-02 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: NJ

Complaint narrative:
Experian is wrecking my credit report ( dated XXXX XXXX, XXXX ) with two fraudulent open accounts, one closed account, and three collectionsXXXX XXXX ( " Open, {$0.00} balance, XXXX late payments, '' updated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( " Open, {$19000.00} balance, XXXX late payments, {$340.00} past due, '' updated XX/XX/XXXX ), XXXX ( " Closed, {$100.00} balance, charge-off, '' updated XX/XX/XXXX ), and three collections totaling {$3100.00} ( XXXX XXXX XXXX {$370.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX {$100.00} ). These derogatory marks are annihilating my XXXX Score XXXX ( XXXX ), with Experian citing " serious delinquency or derogatory indicator '' ( XXXX accounts ever 60 days late ), " XXXX collections, '' " insufficient number of accounts paid as agreed '' ( only XXXX account ), " recent missed payment '' ( 2 months ago ), and " bad payment history '' ( XXXX accounts with missed payments ), despite no public records and only one inquiry ( XXXX XXXX, XX/XX/XXXX ). Experian has a documented history of noncompliancecited by the CFPB in 2025 ( CFPB Docket No. 2025-CFPB-0001, XXXX XXXX  ) for conducting sham investigations under FCRA ( 15 USC 1681i ), rubber-stamping unverifiable data without proper dispute investigation. These accounts and collections are unverifiable : XXXX  XXXX lacks Metro 2 payment history ( Field XXXX, bytes XXXX ) to justify " XXXX late payments '' ; XXXX XXXX XXXX  XXXX lacks payment history ( Field XXXX, bytes XXXX ) for " XXXX late payments '' and past due amount ( Field XXXX, bytes XXXX ) for " {$340.00} past due '' ; XXXX  charge-off lacks status codes ( Field XXXX, bytes XXXX ) and date of first delinquency ( Field XXXX, bytes XXXX ) ; and the XXXX collections lack status codes ( Field XXXX, bytes XXXX ) and date of first delinquency ( Field XXXX, bytes XXXX ). New Jerseys 6-year statute ( N.J.S.A. XXXX ) may bar XXXX if delinquent before XXXX XXXX, XXXX. Experian is violating FCRA ( 15 USC 1681i ) and Metro 2Ill sue under 15 USC 1681n and hit the furnishers ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) under 1681s-2 ( b ) if this isnt fixed immediately.

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 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding a medical debt that should have been covered by XXXX but was wrongfully denied due to errors in processing. I am now being sued by XXXX XXXX XXXX and currently owe debts to both them and AR Resources for medical services received at XXXX XXXX XXXX XXXX XXXX. Additionally, this debt has been added to my credit report, negatively impacting my financial standing. 

In XX/XX/XXXX, while pregnant and unemployed, I had to seek emergency medical care. At the time, I was on XXXX, and my medical expenses should have been fully covered. However, XXXX repeatedly denied my claim, stating that it appeared I had other insurance. I explained multiple times that I had XXXX XXXX in XX/XX/XXXX and no longer had any coverage through an employer or any other source. 

I also reached out to the hospital 's billing department, and they continued to resubmit the claim to XXXX, but it kept getting denied. Now, I have received a letter stating that I am being sued for this debt, which should never have been my responsibility in the first place. When I contacted XXXX again, I was told that my coverage had been backdated, meaning I was eligible at the time of my XXXX XXXX, but they are now refusing to pay the bill simply because it was from last year. This is unjust and feels like a clear violation of my rights. 

Under federal law, XXXX is required to cover medically necessary services for eligible individuals, including emergency care. The XXXX Act ( 42 U.S.C. 1396a ) mandates that XXXX must provide retroactive coverage for up to XXXX XXXX prior to the application date if the individual was eligible during that time. Since XXXX has now acknowledged my eligibility, they should be responsible for paying this debt, not me. 

As a XXXX XXXX XXXX XXXX still XXXX and on XXXX, there is no way I can afford this debt. I believe I am being unfairly targeted for a financial obligation that XXXX is legally responsible for covering. I request that the CFPB investigate this matter, intervene with the necessary agencies, and ensure that this wrongful debt is removed from my record immediately. 

Furthermore, I request that this debt be immediately removed from my credit report as it was wrongly assigned to me due to XXXX processing errors. This unfair negative reporting is causing undue harm to my financial situation and should not be reflected on my credit. 

I appreciate your time and assistance in resolving this serious issue. Please let me know if any additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-02 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation