vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Experian, Equifax ) continue to report a bankruptcy on my credit report that is inaccurate and unverifiable, despite my providing clear evidence that the U.S. Bankruptcy Court does not report or verify any information with credit reporting agencies.

I have attached an official letter from the United States Bankruptcy Court XXXX XXXXXXXX XXXX XXXX, signed by the Clerk of Court, which explicitly states : The Bankruptcy Court does not provide any information to the Credit Bureaus The Bankruptcy Court is not a credit reporting agency nor is the Court an information provider of the FCRA.

This means the credit bureaus are sourcing this data from third-party sources like XXXX, which is simply a public records database not an FCRA-compliant data furnisher. Because the court does not verify or furnish this information, the credit bureaus can not possibly meet the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requirement to follow reasonable procedures to assure maximum possible accuracy.

Under FCRA 611 [ 15 U.S.C. 1681i ], any item of information that can not be verified must be promptly deleted from my credit file. This bankruptcy is unverifiable at its source the court has made it clear they do not participate in the reporting or verification process.

Furthermore, the credit bureaus are ignoring Metro 2 compliance guidelines, which require that all information be valid, accurate, and verifiable. The continued reporting of this record is damaging my credit standing, hindering my ability to secure fair credit opportunities, and constitutes negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Healthcare Finance Direct LLC.
State: IL

Complaint narrative:
I am disputing a XXXX installment account managed by Healthcare Finance Direct ( HFD ) related to XXXX. I enrolled in a payment plan before XXXX filed for bankruptcy and abruptly ceased operations in XXXX. I did not recieve the product or services. XXXX never provided the promised retainers, dental oversight and follow-up services that were an essential part of the treatment. Without those services, the retainers were not safe or appropriate to use, and the contract was effectively voided. 

Additionally, HFD withdrew funds from my bank account without authorization, which I immediately disputed. I filed a complaint with the XXXX XXXX XXXX at the time, and the account was placed on hold. I received no communication after thatuntil over 18 months later, when I was sent a past due notice for over {$1800.00}. 

This debt is invalid. The service was not delivered, the contract was breached, and the company no longer exists. I am requesting that this account be closed with a XXXX balance and no further collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/year>, my former employer, XXXX Audio Visual ( a division of The XXXX XXXX ), submitted false and conflicting termination data to Equifax and The Work Number regarding my employment. Initially, they reported that I was terminated for non-performance ( XX/XX/XXXX ), despite having no disciplinary actions, no written or verbal warnings, and positive performance records. This was not true and directly harmed my ability to qualify for unemployment benefits and secure other employment. I was denied by employers in interviews due to my wrongful termination that was now public to recruiters and hiring managers. 

After I filed a formal request for my employment file and began challenging the false report, the company changed my termination reason to permanent layoff/reduction in force on XX/XX/XXXX. This updated reason aligned with my actual record, but the damage from the initial false submission had already occurred. 

XXXX acknowledged the error in writing, calling it a data mapping issue and stated that IT would correct it, but they never notified me of the false report prior to sharing it with third parties. I was not given an opportunity to dispute the information before it was shared and used against me. 

This inaccurate and misleading report has directly impacted my financial stability, caused significant emotional distress, and undermined my ability to secure income in an industry I served for 12 years. I am requesting a full investigation, correction of the record, and confirmation that the false report has been removed from all background databases under my rights under the Fair Credit Reporting Act ( FCRA ). 

Supporting documentation is available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Inaccurate Information Under FCRA 15 U.S.C. 1681e ( b ) and 1681i ( a ) Dear, TransUnion I am writing to formally dispute several inaccuracies on my credit report maintained by your agency. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) which gives me the right to dispute any information that I believe is inaccurate or incomplete and requires the credit bureau to investigate the disputed information in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Inaccurate Information Under FCRA 15 U.S.C. 1681e ( b ) and 1681i ( a ) Dear, TransUnion I am writing to formally dispute several inaccuracies on my credit report maintained by your agency. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) which gives me the right to dispute any information that I believe is inaccurate or incomplete and requires the credit bureau to investigate the disputed information in a timely manner.

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 2025-07-01 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 am confident that a recent late payment shown on my credit report is the result of an error. My account statements and bank records show the payment was made prior to the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$30.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 am writing to dispute a collection account that I believe is inaccurately reported on my credit file. I have reviewed my financial records and find no documentation or legitimate notice regarding this account. Its presence on my report is misleading and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Equifax, I received your letter requesting for the list of missing accounts. My account information, with my name is reported every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit report. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my security freeze. Please place my security freeze back on my credit report. I have already notified all the credit bureaus that I WILL NOT BE removing or lifting my security freeze in XXXX, I WILL NOT BE removing my extended 7yr fraud alert in XXXX, I WILL NOT BE making in changes to my consumer statements in XXXX. In XXXX  I WILL NOT Be applying for any new credit and/or purchases that requires a new account and/or new credit. There will BE NO NEW ACTIVITY in 2025. Thank You TO : All Credit Bureaus.... especially Equifax XXXX Please note ... beware ... be cautious of someone trying to place their school loans on my credit report in my name. I have no new school loan and no old school loans that are surprisingly trying to show up. 

XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Someone open capital, one credit card is this. Account is not mine, it's a fraud.I would like to remove it from my credit report.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Complaint Summary : I am filing a complaint against Aidvantage regarding a delinquency reported on my credit file that was caused by a servicing transfer we were not notified about. As a result, our automatic bill payments were still being sent to the previous loan servicer and were returned. We were unaware of the issue until a delinquency appeared on my credit report. 

Once we discovered the situation, we immediately submitted full payment to bring the account current. We have never had a late payment prior to this, and the delinquency is the direct result of poor communication during the loan transfer. 

Despite my history of on-time payments and prompt correction of the error, Aidvantage has refused to remove the derogatory mark, which has caused a significant drop in my credit scores. This has affected our financial opportunities through no fault of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX [ Email address XXXX [ Phone Number XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern : I am writing in response to a notice I received from your office regarding an alleged debt. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and it serves as my formal request for validation of the alleged debt. Please provide the following information so I may properly evaluate your claim : 1. The total amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 2. The name of the original creditor and the original account number. 3. Documentation showing that I agreed to the debt and that the debt is valid and legally enforceable 4. A copy of the original signed agreement or contract ( if applicable ) 5. Proof that Jefferson Capital Systems , LLC is authorized to collect this debt, including chain of title from the original creditor 6. Verification that the alleged debt is within the statute of limitations for collection in my state.Please also confirm in writing that no negative information has been or will be reported to any credit reporting agency until this debt is validated as required by federal law. This is not a refusal to pay, but a request that your office provide proper documentation. I request that all future communication from your office be made in writing only.Please consider this letter a formal dispute of the alleged debt until validation is received. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent an amount of {$200.00} to my friend in order to send the money I had to put a note, in the note section XXXX put his name XXXX as a joke and cash app flagged and froze my account due to this I have not been able to pay my bills provide for my family nor be able to eat and preform my daily necessities from XXXX my account is still frozen after numerous attempts to reach out via email and cash app support the support said they could not help me since it was a different support team working on it XXXX the less I reached out and did not receive an update but more running around from cash app support calls to emails and sms they have responded but yet to respond back to me after the follow up emails the froze my account due to them needing a better understanding/ explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXXXXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-01 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief