vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: MI

Complaint narrative:
I have found this account to be fraudulent under FCRA and 605 b this account with XXXX ACCT # XXXX is an account that can show I didnt use it nor make purchases or payments. I called and found this is a XXXX XXXX card and I dont own a home to use that type of store. I am requesting this account be removed and I have filed a complaint with the FTC and XXXX XXXXXXXX XXXX was reported but was not and they said I can ask for a good faith removal due to me being sick and off work when they agreed to give me a 30 day extension. I am asking for this account to be updated as current. 
XXXX XXXX XXXXis an old account that was charged off and carrys a balance still and is under violation thru the FCRA and needs to be removed because the creditor didnt issue me a XXXX after they wrote it off. 
XXXX XXXX XXXX was not authorized by me I have a lease with XXXX that wouldnt allow me to get a new car at that time

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 2025-12-10 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: CA

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

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 2025-12-10 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: CA

Complaint narrative:
I have no connection to this account, and it is appearing on my report due to an inaccurate reporting error.

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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I used my american express card with a company called XXXX on XXXX XXXX I made the payment and when asked if I wanted to save my CC information I said no because I never save information when using my CC. I received two email from a company called XXXX XXXX asking me to verify my email address the other asking me to complete my profile which I did neither because I never signed up with this company. I requested a refund from the company called XXXX because the service was only pay if the client used my service. I received the email saying that the refund was issued but I would get an email from a company called stripe which I never did. I am confused as to how a company as fraudulently opened an account and refuse to close or remove my CC number from their system and is trying to make me go into an account which I did not create and can not tell me how the account was created and ill not issue a refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-10 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: NC

Complaint narrative:
I am sending this compalint today to share the story behind several accounts that appear on my credit report accounts that hold real history, real financial effort, and real circumstances that I have personally experienced. Over time, I have taken responsibility for these obligations and carried them through to fulfillment, and therefore I believe the reporting should accurately reflect that commitment as Paid as Agreed. It is important to me that my credit profile tells the correct story. Below, I explain each account in detail so that the background, payment trajectory, and reporting concerns are clear. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX, late 120 days march- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9700.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 180 days Under the Fair Credit Reporting Act specifically CRA 611 ( 15 U.S.C. 1681i ), which grants me the right to dispute inaccurate information, along with the furnisher requirements under FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) I respectfully request a full reinvestigation so that my credit history accurately mirrors the truth. In addition, 15 U.S. Code 1666 and 1666a outline the proper handling of billing-related inaccuracies and clarify how disputed information should be managed during review.

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 2025-12-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am sending this compalint today to share the story behind several accounts that appear on my credit report accounts that hold real history, real financial effort, and real circumstances that I have personally experienced. Over time, I have taken responsibility for these obligations and carried them through to fulfillment, and therefore I believe the reporting should accurately reflect that commitment as Paid as Agreed. It is important to me that my credit profile tells the correct story. Below, I explain each account in detail so that the background, payment trajectory, and reporting concerns are clear. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX, late 120 days march- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9700.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 180 days Under the Fair Credit Reporting Act specifically CRA 611 ( 15 U.S.C. 1681i ), which grants me the right to dispute inaccurate information, along with the furnisher requirements under FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) I respectfully request a full reinvestigation so that my credit history accurately mirrors the truth. In addition, 15 U.S. Code 1666 and 1666a outline the proper handling of billing-related inaccuracies and clarify how disputed information should be managed during review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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 filing this complaint because my credit reports with Experian, Equifax, and TransUnion contain multiple inaccurate, unverified, and unlawfully reported items in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The credit bureaus continue reporting late closed accounts with {$0.00} balances despite multiple disputes and a lack of proper verification, including XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX, EQ, and TU ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX and TU ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX, EQ, and TU ; XXXX  XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX appearing in EX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing in EX, EQ, and TU. Along with these, several inquiries appear on my reports without any demonstrated permissible purpose under FCRA 604, which include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX reporting in EX ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX reporting in EQ ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX  XX/XX/XXXX reporting in TU. These issues reflect a continuing failure by the bureaus and furnishers to ensure maximum possible accuracy, to properly investigate disputes, and to validate or remove items that can not be supported by legally required documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: GA

Complaint narrative:
I am disputing this account because it does not belong to me and has been reported inaccurately on 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 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: KY

Complaint narrative:
I am filing this complaint because Contract Callers Inc and XXXX  are reporting XXXX utility collection accounts ( XXXX & XXXX and XXXX ) inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Both of these accounts originated in XXXX. The Date of First Delinquency on each account is in XXXX, which sets the XXXX reporting period under FCRA XXXX XXXX c ). However, the furnisher XXXX Contract Callers Inc ) updated both accounts in XX/XX/XXXX. The Date Reported, Status Date, and Balance Date were all changed to XX/XX/XXXX. Updating an old XXXX account in XXXX materially misrepresents the age and recency of the debt. This is considered re-aging and violates FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX ( b ), which require accurate and non-misleading reporting. 

I disputed these accounts with the collector and requested validation in XX/XX/XXXX and again in XX/XX/XXXX. My requests were completely ignored. Under FDCPA XXXX ( b ), once a consumer requests validation, the collector must cease all collection activityincluding reporting or updating information to any credit bureauuntil validation is mailed. Contract Callers Inc never validated the debt, yet continued updating the accounts in XXXX. This is a direct violation of FDCPA XXXX ( b ). 

XXXX also failed to comply with its legal obligations. Under FCRA XXXX ( a ), once an account is disputed, the credit bureau must conduct a reasonable investigation and delete the account if the furnisher can not verify it. Because validation was never provided to me by the collector, XXXX did not have verified information to rely on. Instead of deleting the accounts, XXXX allowed the furnisher to update them in XX/XX/XXXX and continue reporting them as unpaid. This violates FCRA XXXX ( a ) ( XXXX ) ( A ), which requires deletion of unverifiable information. 

These accounts are being reported inaccurately, misleadingly, and unlawfully. Both accounts should be deleted entirely from my credit file because ( XXXX ) they were re-aged, and ( XXXX ) the furnisher ignored my validation requests and continued reporting illegally, and ( XXXX ) XXXX continued reporting information that could not be verified. 

I am requesting that the CFPB require Contract Callers Inc and XXXX to remove both accounts immediately and ensure compliance with FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: CA

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 non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Collection Professionals, Inc.
State: IL

Complaint narrative:
I began disputing with COLLECTIONS PROFESSIONAL, INC, XXXXXXXX XXXX This debt collector refuses to comply with Federal Laws of debt collections practices. They managed to obtain a default judgement by willfully misrepresenting to the local court that they sent me official court notices and orders from the court. 

COLLECTIONS PROFESSIONAL, INC. has not corrected false information regarding such account in my name ( since XX/XX/year> ), my continuing to validate that debt is posted as " collectionsandorchargedoff '', such is not clear, nor a defined by any credit agency or credit bureau, and by applicable law, is inaccurate, and misrepresent a defined status of account, and thereby MUST BE DELETED, pursuant by applicable law. Further, I am suing each credit bureau for validating improper/misrepresented status of account. 

COLLECTIONS PROFESSIONALS has been placed on notice, to delete this account, or I intent file with the Attorney General of the State of Illinois, that they are engaging in ILLEGAL debt collections practices, and has violated Illinois Code of Civil Procedures by not mailing me any and communications of court motions and orders, in order obtain a default against me. An account can not be in collections and charged off at the same time. If said account has been charged off, then COLLECTION PROFESSIONS and/or must provide me with XXXX to file with my taxes, I have not received such, and its been over XXXX  years of inaccurate reporting, and this has cause unfair and negative impacts on my credit profile, and therefore COLLECTIONS PROFESSIONAL must delete the account from all credit bureaus immediately! 

This company continues to contact me after they were sent Cease & Desist Letter via certified mailing, as instructed by law. I recently requested Debt Validation Letter with another Cease & Desist Letter, and I am filing official complaint them to local court and local bar association. 

Further, I never gave COLLECTIONS PROFESSIONALS, any authority to contact me, nor do they have any agreement in my signature, that I owe then any debt to them, in any amount, regardless of a default judgment that they obtain by deceiving the court. I posting all this information, because this company is engaging in deceptive practices and has violated XXXX  Code of Civil Procedures and Federal laws on debt collection, which I intend to seek justice, and file suit against them for such allegations of fraudulent collection schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
They are listing the incorrect info on my credit report this account is being settle by XXXX XXXX  they agreed to a settlement offer and have the amount owed as higher than they agreed to settle for ... And shows no payments made but payments have been made on both lvmn collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I went on a vacation to XXXX XXXX and they ( Robinhood ) locked my account when i tried to sign in. Their help system requires you to sign in in order to access it! There are no ither contact numbers. All there is is a form to fill out that they will NOT respond to! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX DOB:XXXX Last XXXX SSN : XXXX Date : [ XX/XX/XXXX ] To : XXXX  XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX RE : FORMAL DISPUTE Removal of All Late Payments ( 15 U.S. Code 1666, 1666 ( b ), FCRA 602, 607, 611 ) * * To Whom It May Concern, I am formally disputing the accuracy of all late payment entries reported on my credit file for the following account ( s ) : [ Dept of Education Aidvantage XXXX ] These late payments are being reported inaccurately, and therefore violate my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 


LEGAL BASIS FOR REMOVAL 1. Violations of 15 U.S. Code 1666 & 1666 ( b ) Under the FCBA, a creditor must properly investigate billing errors and may not report a negative mark as accurate while the account or information is in dispute. 

You are required to : Conduct a reasonable investigation Provide documentation supporting the accuracy Cease reporting disputed information that can not be verified Failure to verify = information must be corrected or removed. 


2. Violations of FCRA 607 ( b ) Maximum Accuracy Requirement Credit bureaus and furnishers MUST ensure information reported is : Accurate Up to date Fully verified Any item lacking verification or proper documentation must be deleted. 


3. Violations of FCRA 611 Failure to Verify Information If the data furnisher can not produce : Signed payment history Billing statements Proof of delinquency with exact dates then the late payments can not legally remain on my credit report. 


REQUESTED ACTION I am demanding the following under federal law : Remove ALL late payments associated with this account OR Provide complete verification documents, including : Original billing statements Payment history ledgers Evidence validating each reported late payment If verification can not be produced, the FCRA requires immediate deletion of the late payments. 



NOTICE Reporting unverifiable or inaccurate information after receiving this dispute is considered willful non-compliance and may result in further legal action under : FCRA 616 FCRA 617 Please provide written confirmation of investigation results within 30 days, as required by federal law. 

Thank you, Your Name :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I am filing this complaint against Balanced Healthcare Receivables LLC ( XXXX XXXX ) regarding a medical bill from XXXX XXXX XXXX for {$480.00} ( File # XXXX ). 

Before the radiology exam, both my insurance company and XXXX XXXX XXXX confirmed to me verbally and in writing that the service was fully covered and I would owe {$0.00}. I have records of these conversations. 

After the service, I received an Explanation of Benefits ( EOB ) from my insurance showing the claim was processed, but months later XXXX XXXX started collection activity on the same amount. 

On XXXX XX/XX/year> ] I received a text message from XXXX XXXX demanding payment. 

I sent a timely debt validation letter by certified mail on I am sending it this week '' ] requesting proof of the debt, but I have not received proper validation yet. 

I believe this debt is not valid because : The provider and insurer previously confirmed {$0.00} patient responsibility This appears to be a billing error or insurance processing issue Collection activity continued despite my dispute I request that CFPB XXXX XXXX XXXX to : XXXX. Cease all collection activity XXXX. Delete any negative credit reporting ( if any ) XXXX. Provide full validation or mark the debt as disputed/invalid I have attached : - Copy of the text message from XXXX - Copy of my debt validation letter ( or will send it this week ) - Any XXXX or insurance correspondence I have Thank you.

Company response to consumer: Closed with explanation