vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
I don't recognize the following addresses. PLease remove them from my report. 

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 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 XXXX XXXX XXXX XXXX XXXXXXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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 don't recognize the following addresses. PLease remove them from my report. 

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 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 XXXX XXXX XXXX XXXX XXXXXXXX Thank 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is a formal complaint against XXXX  for continued reporting of multiple inaccurate and unverifiable accounts, in violation of the Fair Credit Reporting Act ( FCRA ) 604, 609, and 611. Despite previous disputes, XXXX  has failed to provide proper documentation, including the original contracts with wet ink signatures or any permissible purpose for reporting. 

The following accounts are being reported unlawfully : XXXX XXXX Account ending in XXXX XXXX  XXXX XXXX Account ending in XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX Account ending in XXXX These accounts continue to damage my credit standing. I am requesting that the CFPB initiate an investigation and require XXXX  to permanently delete these accounts in compliance with federal law. If XXXX  can not verify these items with complete documentation, they must be removed immediately as mandated by the FCRA. I also request confirmation of the results of this investigation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
There is a charge off on my credit report by XXXX XXXX. I filed a complaint with Equifax because XXXX XXXX ) wrote off the charge, ) but the charge was paid. I provided Equifax proof of payment. Equifax leaves the charge off on my credit stating the day of payment, which is different from the charge off date. However, this charge off is for the difference in what XXXX paid for a totaled car and that which XXXX Financed for the car that was totaled. The financing incorporated providing me with GAP Insurance. XXXX XXXX knew who the GAP Insurance provider was and never bothered to tell me who the GAP Insurance provider was. The auto financing of GAP Insurance, which was part of my loan with XXXX XXXX as a packaged deal for that XXXX XXXX  XXXX that was totaled. ( The car was totaled by another motorist who rear ended while driving on a local street and injured me in XX/XX/XXXX. ) XXXX, my insurance paid for the car and the GAP Insurance that was part of the sale price financed by XXXX covered the remaining cost of the totaled car that XXXX Finance financed. Injured, distracted and distraught I had to call XXXX XXXX to get the name of the GAP Insurance provider and that is the only reason how, when and why XXXX XXXX was paid XX/XX/XXXX, but all that while ONLY XXXX XXXX XXXX who was the GAP Insurance provider, Assurance, and how to contact the XXXX XXXX provider, just like they never told the credit reporting company that their bogus charge off had been paid. Additionally, although XXXX XXXX all the while new their was GAP Insurance as a part of the financed amount for the XXXX XXXX XXXX purchased from the XXXX XXXX was totaled, and only XXXX XXXX XXXX who was the GAP Insurance provider actually was and how to contact the provider etc., instead of volunteeringly letting injured and distraught me know XXXX XXXX hounded me over and over again for that difference they falsely claimed as a charge off knowing the aforesaid, just like the reported a charge off and accepted payment but did not notify anyone. Equifax in its investigation did not find out the true basis of that, which XXXX XXXX, being a GAP Insurance expected payment windfall, has called a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IA

Complaint narrative:
Identity Theft improper use of account XXXX 5G HOME INTERNET PROMO TI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Identity Theft improper use of account XXXX 5G HOME INTERNET PROMO TI

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against National Credit Systems Inc, XXXX XXXX, and XXXX for reporting an inaccurate account on my credit report. This company is not the original creditor, and I have no direct contractual relationship with them. My personal information was shared with them without my consent, and they are now reporting a debt that is not valid and should not be on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, I have the right to accurate reporting and to dispute any information that is incorrect. Because National Credit Systems Inc is not the original creditor and has not provided any legally valid documentation to prove this debt is mine, they are in violation of the FCRA. 

Despite multiple disputes, this account continues to be verified and remains on my credit report which is damaging and unlawful. I am requesting that this account be permanently removed from all credit reporting agencies. I do not consent to further verification attempts, as this is not a debt I owe and its reporting is baseless. 

Please assist me in holding National Credit Systems Inc accountable for improper reporting and ensure the immediate deletion of this erroneous entry. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern recently I obtained a copy of my credit report and notice that you are reporting inaccurate information in the personal information section. I have already contacted the creditor and updated my information they do not have this address on file. 
Please remove any other information you are currently reporting as it is not accurate, I have attached my identification card as well as a copy of my utility bill for your verification. 
Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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. This fraudulent, inaccurate, and false information consists of 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 

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. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/year> I contact the credit bureaus and advised them of the issue however, I sent tons and contacted them over the phone and they continue to hold the inaccurate information and ignore my request. Please assist with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/year> I contact the credit bureaus and advised them of the issue however, I sent tons and contacted them over the phone and they continue to hold the inaccurate information and ignore my request. Please assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-06-07 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: FL

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ]. I am requesting you investigate this account and update these payment to paid on time immediately. Thank you fo you understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AZ

Complaint narrative:
I am disputing a collection account reported by XXXX ( Account ending in XXXX ), which is not mine. I have no knowledge of ever opening an account with this company, and I have never received any statements, agreements, or communications from them. 

My personal information was compromised in a known data breach, and I believe this tradeline was opened fraudulently using my identity. This is not my debt, and I never authorized or signed for any line of credit with 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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
In XXXX of 2023, I pursued treatment with XXXX XXXX XXXX and Healthcare Finance Direct. Before they filed for Chapter XXXX bankruptcy in XX/XX/year>, I had issues with pain and bleeding gums due to their aligners. It was difficult to make contact with anyone at this company to report dissatisfaction and I was not comfortable continuing the plan and risking my dental health. When they announced they had filed for bankruptcy and would discontinue their already subpar customer support, I decided not to continue paying for treatment that was never rendered and support that was never received. I knew if I continued and true harm was done to my teeth, they would not be held financially responsible. 
XXXX XXXX XXXX did not fulfill their contractual obligations and breached the contract " Lifetime Smile Guarantee '' and yet their financing partner Healthcare Finance Direct still demanded payment. Now, it has all been moved to XXXX, a debt collection company who has stained my credit report. XXXX insists I owe {$940.00} to them though they have provided no documentation behind this. 
Funnily enough, if I log into Healthcare Finance Direct, they still allow the opportunity for me to pay {$620.00} and even state that my account is current. These companies are all so crooked and I know I am not alone in this as I have read countless consumer experiences mirroring my own. I have serious doubt regarding the debt amount as there is no clear information provided. 

XXXX is negatively impacting my credit years after XXXX 's dangerous service almost ruined my teeth. I am requesting XXXX assistance to have this collection account removed immediately and to stop further collection activity on a debt I do not owe due to bankruptcy, contract breach, and service shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a Capital One charge-off account reporting a {$520.00} balance and ongoing monthly updates post-charge off which is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) & 1681s-2 ( b ). A charged-off account can not legally continue reporting new delinquencies or an increasing balance unless the debt is re-aged, which is strictly regulated and requires revalidation. 

I formally requested that XXXX  verify the accuracy of this reporting and supply documentation from Capital One proving that the balance and monthly updates were lawful. No such documentation was provided. Instead, XXXX  marked the item as Verified and Updated a direct violation of 1681i ( a ) ( 5 ), which mandates deletion when an item can not be verified. 

Continued reporting of unverifiable, inaccurate data after a formal dispute opens XXXX  to liability under 15 U.S. Code 1681n and 1681o, which provides for actual and punitive damages in civil lawsuits. At this point, this dispute is being escalated for noncompliance, and I reserve the right to file action under FCRA violations and notify state regulators and the FTC. 

I am demanding immediate permanent deletion of this account from my XXXX  credit report due to XXXX failure to verify the item, failure to provide supporting evidence, and ongoing inaccurate reporting that materially harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 disputed incorrect and unverified information on my Equifax report, including the XXXX XXXX XXXX account balance and status. Equifax failed to mark the account as In Dispute, did not correct outdated personal information I submitted on XX/XX/year>, and left old information unresolved as of XX/XX/year>. Despite three notices ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), theyve not corrected these issues. Enclosed are a Final Notice of NonCompliance, Invoice & Fee Schedule, certified mail receipts, and updated credit reports showing no changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MA

Complaint narrative:
This is a formal complaint against XXXX  for continued reporting of multiple inaccurate and unverifiable accounts, in violation of the Fair Credit Reporting Act ( FCRA ) 604, 609, and 611. Despite previous disputes, XXXX  has failed to provide proper documentation, including the original contracts with wet ink signatures or any permissible purpose for reporting. 

The following accounts are being reported unlawfully : XXXX XXXX Account ending in XXXX XXXX  XXXX XXXX Account ending in XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX Account ending in XXXX These accounts continue to damage my credit standing. I am requesting that the CFPB initiate an investigation and require XXXX  to permanently delete these accounts in compliance with federal law. If XXXX  can not verify these items with complete documentation, they must be removed immediately as mandated by the FCRA. I also request confirmation of the results of this investigation in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
I could not make a purchase with the card and when I was on hold for 45 mins waiting on a supervisor then when talking with them the supervisor hung up on me while I was explaining the situation I was in. Unprofessional conduct on the customer support side of the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I was sued for old debts by a 3rd party collection agency in XXXX for credit card ( s ) debts that occurred in XXXX. I believe the original debtors wrote off some, possibly all, of the debts. The 3rd party collection agency is Portfolio Recovery Associates LLC. I believe the original debt was with XXXX Bank. The 2nd one was XXXX XXXX XXXX That account was paid in full and then I personally closed the account. Portfolio Recovery has sued me for that in multiple courts/counties trying to garnish my wages. The other debts are over 13 years old and should have been on my ex-husband who was the original debt.

Company response to consumer: Closed with explanation