vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 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 2025-09-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Several companies have pulled my credit report without my permission, and this has directly harmed both my credit and my score. I previously contacted XXXX, and a representative assured me that these inquiries would be removed. However, they are still appearing on my report. These unauthorized and fraudulent inquiries are causing me significant XXXX, especially with the concern that I may already be a victim of identity theft. On top of the unnecessary stress, they continue to damage my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Issue : Debt Collection Medical Bill in Error Details of Complaint : I am disputing a medical debt that should never have gone to collections. The original charge is from XX/XX/XXXX for {$190.00} related to a hospital lab bill. 
I contacted the hospitals billing department multiple times before the account went into collections because I had never been charged a lab bill before and was confused about the charge. The hospital informed me that the doctors wording might have been the issue, and the doctor confirmed they would take care of it. 
Despite this, I later found out the bill was sent to XXXX XXXX XXXX for collection. I attempted to resolve the matter, including sending a hardship/dispute letter on XX/XX/XXXX ( with follow-up when they claimed not to have received it ). I never received a proper response. 
In XX/XX/XXXX, the debt was transferred to a second collection agency, Credit Collection Services, which began texting me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, about the same {$190.00} bill. I do not believe this debt is valid, and I had already disputed it with the hospital and doctor before it went to collections. 
This debt is : It should have been disputed before going to collections. 
Being pursued by multiple collection agencies despite my prior dispute and hardship letters. 
Requested Resolution : Stop all collection activity on this account. 
Have the hospital and/or doctor confirm in writing that the bill has been resolved, since they previously assured me it would be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law.

Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, ent
itling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Dear Sir or Madam, I am filing this complaint against XXXX XXXX XXXX regarding inaccurate and unresolved credit reporting. 

Creditor : XXXX XXXX XXXXXXXX  Account Number : XXXX Vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fully acknowledge that this account had late payments in the past. However, the account has since been paid in full and closed, and should no longer report as currently 90 days late. Despite multiple disputes through the credit bureaus, this error has not been corrected. 

This is not simply an outdated reporting issue. Todays underwriting systems are XXXX  and read reports line by line. A tradeline showing current 90 days late even on a closed, paid account automatically triggers negative decisions in automated systems such as Desktop Underwriter and XXXX. This is no longer a matter of human review but a technical block caused by inaccurate data reporting. 

I am urgently requesting the CFPBs assistance in requiring XXXX XXXX XXXX to : 1. Correct the tradeline to accurately reflect the account as paid in full, closed, {$0.00} balance. 


2. Remove the inaccurate current 90 days late status.

3. Ensure this correction is reported to all three credit bureaus.

This error is directly harming my ability to qualify for a mortgage, and time is critical. Thank you for your immediate attention to this matter.

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 2025-09-03 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: NY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had used my Citi AAdvantage card to purchase a trip with a travel agency called XXXX XXXX for a Total of {$6800.00} on XX/XX/year>. The trip got canceled and the company took XXXX days to process the refund minus their fee for service. On XX/XX/year> I see a pending deposit of {$6300.00} at XXXX from XXXX XXXX XXXX I have been waiting over 30 days for this refund. XX/XX/year> Citibank have removed the transaction information from my transaction history at a unknown time and then sent me a email at XXXX saying that my pending transaction has been canceled with no explanation of why. I have called customer service twice to get a valid reason of why they canceled my refund of credits and why are they hiding my transaction history on my account. I have not received an acceptable answer to this question nor have I receive the letter promised on the 2nd call saying that they are going to process the transaction. No email or letter was sent to me after that phone call.

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 2025-09-02 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: FL

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Issue : Debt Collection Medical Bill in Error Details of Complaint : I am disputing a medical debt that should never have gone to collections. The original charge is from XX/XX/XXXX for {$190.00} related to a hospital lab bill. 
I contacted the hospitals billing department multiple times before the account went into collections because I had never been charged a lab bill before and was confused about the charge. The hospital informed me that the doctors wording might have been the issue, and the doctor confirmed they would take care of it. 
Despite this, I later found out the bill was sent to Radius Global Solutions for collection. I attempted to resolve the matter, including sending a hardship/dispute letter on XX/XX/XXXX ( with follow-up when they claimed not to have received it ). I never received a proper response. 
In XX/XX/XXXX, the debt was transferred to a second collection agency, XXXX XXXX XXXX, which began texting me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, about the same {$190.00} bill. I do not believe this debt is valid, and I had already disputed it with the hospital and doctor before it went to collections. 
This debt is : It should have been disputed before going to collections. 
Being pursued by multiple collection agencies despite my prior dispute and hardship letters. 
Requested Resolution : Stop all collection activity on this account. 
Have the hospital and/or doctor confirm in writing that the bill has been resolved, since they previously assured me it would be 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CO

Complaint narrative:
In XXXX XXXX I searched legal payday loans in Colorado because I knew the state frowned on payday loans and helps protect consumers. I was sent an email advising of 9 payments of {$100.00} on your scheduled due dates, starting XXXX Then I was sent another email detailing a recent audit of my accounts, where they identified a discrepancy between your loan agreement and the amount being debited on your scheduled payment dates. Its been a nightmare and cant believe I have been making {$100.00} payments weekly and the principal amount never reduces. This company is a Rip Off and steals money from the most vulnerable. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-02 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: NM

Complaint narrative:
Issue type : Incorrect information on your credit report Companies : Equifax Information Services LLC Experian Information Solutions , Inc. 
TransUnion LLC What happened? 
On XX/XX/XXXX, I sent formal written disputes ( via certified mail ) to all three major credit bureaus Equifax, Experian, and TransUnion regarding an inaccurate XXXX XXXX  tradeline ( Acct # : XXXX ). My dispute outlined multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, including : Repeated monthly charge-off ( CO ) reporting from XXXX through XXXX, violating Metro 2 XXXX p. XXXX, which requires payment history suppression after charge-off The account is listed as charged-off but still shows a past due balance of {$1500.00}, which is false and misleading under FCRA 1681e ( b ) and 607 ( b ) The account is closed, yet still reports a utilization rate of 126 %, severely damaging my credit score No Date of First Delinquency ( DOFD ) is reported, violating FCRA 623 ( a ) ( 5 ) and 1681g ( a ) The debt is time-barred under New Mexico law. The last payment was XX/XX/XXXX, and the statute of limitations expired XX/XX/XXXX, per XXXX XXXX. XXXX. XXXX As of XX/XX/XXXX, none of the three credit bureaus have sent a response, reinvestigation results, or any communication which is a direct violation of : FCRA 1681i ( a ) ( 1 ) ( A ) 30-day reinvestigation deadline FCRA 1681i ( a ) ( 6 ) Failure to send results within 5 business days of completion Additionally, the credit reports now include the remark Dispute resolved reported by grantor, indicating that XXXX XXXX  responded to the dispute. However, the reporting remains inaccurate, proving that no reasonable reinvestigation occurred, and that the CRAs relied solely on the furnishers word in violation of FCRA 1681i, and as interpreted by Cushman v. Trans Union ( XXXX XXXX XXXX, XXXX XXXX. XXXX ). 

I am requesting : Immediate deletion of the XXXX XXXX  tradeline across all three credit reports Disclosure of method of verification under FCRA 1681i ( c ) Written confirmation of all findings and changes Supporting documents included : Certified dispute letters ( dated XX/XX/XXXX ) Screenshots of the XXXX tradeline showing ongoing CO marks and false past-due balance in XXXX Screenshot showing Dispute resolved reported by grantor USPS certified mail receipt

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 2025-09-02 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: NM

Complaint narrative:
Issue type : Incorrect information on your credit report Companies : Equifax Information Services LLC Experian Information Solutions , Inc. 
TransUnion LLC What happened? 
On XX/XX/XXXX, I sent formal written disputes ( via certified mail ) to all three major credit bureaus Equifax, Experian, and TransUnion regarding an inaccurate XXXX XXXX  tradeline ( Acct # : XXXX ). My dispute outlined multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, including : Repeated monthly charge-off ( CO ) reporting from XXXX through XXXX, violating Metro 2 XXXX p. XXXX, which requires payment history suppression after charge-off The account is listed as charged-off but still shows a past due balance of {$1500.00}, which is false and misleading under FCRA 1681e ( b ) and 607 ( b ) The account is closed, yet still reports a utilization rate of 126 %, severely damaging my credit score No Date of First Delinquency ( DOFD ) is reported, violating FCRA 623 ( a ) ( 5 ) and 1681g ( a ) The debt is time-barred under New Mexico law. The last payment was XX/XX/XXXX, and the statute of limitations expired XX/XX/XXXX, per XXXX XXXX. XXXX. XXXX As of XX/XX/XXXX, none of the three credit bureaus have sent a response, reinvestigation results, or any communication which is a direct violation of : FCRA 1681i ( a ) ( 1 ) ( A ) 30-day reinvestigation deadline FCRA 1681i ( a ) ( 6 ) Failure to send results within 5 business days of completion Additionally, the credit reports now include the remark Dispute resolved reported by grantor, indicating that XXXX XXXX  responded to the dispute. However, the reporting remains inaccurate, proving that no reasonable reinvestigation occurred, and that the CRAs relied solely on the furnishers word in violation of FCRA 1681i, and as interpreted by Cushman v. Trans Union ( XXXX XXXX XXXX, XXXX XXXX. XXXX ). 

I am requesting : Immediate deletion of the XXXX XXXX  tradeline across all three credit reports Disclosure of method of verification under FCRA 1681i ( c ) Written confirmation of all findings and changes Supporting documents included : Certified dispute letters ( dated XX/XX/XXXX ) Screenshots of the XXXX tradeline showing ongoing CO marks and false past-due balance in XXXX Screenshot showing Dispute resolved reported by grantor USPS certified mail receipt

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account was reported as being actioned as fraud by TransUnion in error and thus it got removed from my credit report when it was NOT supposed to be account number XXXX with XXXX XXXX XXXX was not supposed to be removed at all the account is not fraud its active and its my account! Experian and Equifax refuse to add it back and for no apparent reason

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account was reported as being actioned as fraud by TransUnion in error and thus it got removed from my credit report when it was NOT supposed to be account number XXXX with XXXX XXXX XXXX was not supposed to be removed at all the account is not fraud its active and its my account! Experian and Equifax refuse to add it back and for no apparent reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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