vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Aargon Agency, Inc.
State: CO

Complaint narrative:
Opened XXXX XXXX for the amount of XXXX  dollars for something I new agreed to use or never used

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 2025-06-03 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: DC

Complaint narrative:
Someone opened credit card in my name with XXXX XXXX. This is fraudulent account. I filed Identity Theft Report with FTC. I reported this account as a fraud to XXXX XXXX and the customer service closed it. Please delete this account ending in XXXX from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc.
State: TX

Complaint narrative:
This company Triverity has contacted has harassed me by calling me while at work alleging that I owe a debt. They also sent me something in the mail. Please see attached documentation. Please publish this to consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had incorrect account ( XXXX ) information on my credit report. Please remove from credit report, they are hurting my ability to obtain credit.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After an identity theft issue on XX/XX/year>, I initiated a credit freeze and applied a fraud alert onto my account. Despite having these safeguards in place, another attempt on XX/XX/year> was successful.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-03 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: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-03 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: VA

Complaint narrative:
These accounts are reporting fraudulently, please remove them.

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 2025-06-03 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: TN

Complaint narrative:
Equifax is reporting a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX and a balance of {$1200.00}. I dispute this entry as inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, Equifax is required to conduct a reasonable reinvestigation of any disputed information. In this case, the charge-off can not be properly verified, making its reporting a violation of this statute.

Additionally, this charge-off also conflicts with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g, which requires that debts be validated upon request. Failure to verify this debt constitutes inaccurate and unfair reporting. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Equifaxs failure to comply with these requirements is a violation of federal law and causes undue harm to consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OR

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-03 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am filing this complaint against Health Finance Direct ( HFD ) in relation to a financing agreement for orthodontic treatment through XXXX ( XXXX ). I am seeking a refund of {$1600.00} the amount I have already paid on this loan due to a combination of product defects, XXXX XXXX XXXX, and bankruptcy of the service provider, which resulted in incomplete treatment. 



Timeline and Background : In XX/XX/XXXX, I received my XXXX XXXX from XXXX. However, they were defective : they did not fit, caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was supposed to be remolded for XXXXXXXX XXXX as part of my original treatment plan, but in XXXX, I entered the XXXX XXXX, which prevented me from scheduling follow-up care. 

In XX/XX/XXXX, I was finally able to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX since the first attempt failed due to me XXXX XXXX XXXX XXXX XXXX. However, just two weeks later, XXXX filed for bankruptcy and ceased operations, ending my ability to continue or complete treatment. 



Despite receiving no usable or complete service, I have already paid {$1600.00} to Health Finance DirecXXXX. 

Additional Issue : Unprofessional Conduct On XX/XX/XXXX, I was contacted by a representative from Health Finance Direct. The caller was extremely unprofessional, dismissive, and showed no empathy for my situation. She was rude and made no effort to understand the context of XXXX XXXX XXXX or XXXX closure. 

My Request I am requesting : A full refund of the {$1600.00} I paid for a service that was never delivered. 

A review of Health Finance Directs handling of this case and their customer service practices. 

Protection from further financial obligation on this loan, which is now tied to a bankrupt, non-operational provider. 



I have documentation supporting my claims, including : Proof of XXXX XXXX in the period of the year XXXXXXXX XXXXXXXX correspondence The timeline of XXXX bankruptcy in relation to my remolding attempt This is a clear case of non-delivery of services, defective product, and poor post-sale handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I am filing this complaint due to inaccurate and inconsistent information being reported on my credit report by TransUnion, specifically regarding XXXX accounts : XXXX, XXXX XXXX ( XXXX separate accounts ), and XXXX XXXX XXXX ( XXXX ). Despite multiple dispute attempts, TransUnion has verified the items as accurate without addressing the factual reporting errors or providing a method of verification. 





XXXX. XXXX Account ( XXXX XXXX ) Account opened : XX/XX/XXXX No payment history is reported until XX/XX/XXXX, which violates the standard requirement that history must be reported from the account open date or be omitted entirely if unavailable. 
TransUnion lists the account as closed on XX/XX/XXXX, yet shows OK payment status through XX/XX/XXXX, and reports 30 days late in XX/XX/XXXX. It is logically and factually impossible for an account to be OK while also being closed, and subsequently go delinquent after closure. 
TransUnion shows 120 days late in both XXXX and XX/XX/XXXX, which is a blatant factual inconsistencyyou can not be 120 days past due in XXXX different months. 
The account also inaccurately reports a negative available credit, which is not only misleading but harmful and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting. 






XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account shows opened in XX/XX/XXXX, yet no payment history is reported until XXXX. This sudden jump in data violates the completeness requirement under the FCRA 623 ( a ) ( 1 ) ( A ). 
The report says the last payment was made in XX/XX/XXXX, yet payment history shows XXXX until XX/XX/XXXX, creating a timeline discrepancy. 
No credit limit was reported, which impairs scoring models and violates FCRA standards of complete and accurate data. 
The account was verified as accurate despite this contradictory data. 






XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same issues as above : inaccurate timeline, no credit limit, and inconsistent payment reporting. 
No history until XXXX despite the account being active far earlier. 
These inconsistencies make the account unverifiable in its current form. 






XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt is allegedly from XXXX, placed for collection. 
Despite repeated written requests for validation of this debt, XXXX has not provided any original signed agreement, full account history, or ownership chain to verify the alleged debt. 
TransUnion continues to report it as accurate, violating the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and FCRA 611, which requires an item to be removed or corrected if it can not be verified.

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 2025-06-03 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: EdFinancial Services
State: DC

Complaint narrative:
XXXX XXXX XXXX SOLD THIS ALLEGED DEBT TO ED FINANCIAL AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports show several errors.XXXX XXXX XXXXXXXX * * * * ) is listed by Experian and Equifax as XXXX chargeoff/collection even though the balance was settled in full on XXXX guidelines require XXXX ( Paid in full was chargeoff ) or the tradeline must be removed.In addition, XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX display latepayment codes for XXXX that never occurred.I have supplied documentation to each bureau, but all have refused to correct these clear factual errors. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit reports show this account as a chargeoff/collection even though the balance is {$0.00} and the account was settled and closed in XXXX. The data furnisher is miscoding the tradeline, and all three CRAs are publishing the error despite my prior disputes. 

XXXX codes ( XXXX, XXXX, XXXX XXXX ) Each of the referenced accounts shows XXXX to XXXX late marks from XXXX, but my bank statements prove the payments posted before their due dates. The furnishers have failed to substantiate the lates.

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 2025-06-03 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: IN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-03 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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