vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
Re-insertion of Previously Deleted Accounts Without Legal Verification Violation of FCRA 611 and 623 What happened : I formally disputed multiple inaccurate and unverifiable accounts with the credit reporting agencies ( Experian, Equifax, and TransUnion ). The agencies initially deleted the accounts, acknowledging their lack of verification. However, they later re-inserted these accounts without providing the required notice or documentation, violating the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 5 ) ( B ) Re-insertion of deleted information without notifying the consumer within XXXX business days. 

611 ( a ) ( 7 ) Failure to provide a description of the procedure used to determine the accuracy and source of the information.

623 ( b ) Furnishers failed to provide substantiating documentation verifying the accuracy of the disputed data.

Despite requesting verification under 15 U.S.C. 1681i ( a ) and proof of lawful reporting under 1681s-2 ( b ), no such evidence was provided by the data furnishers or the CRAs.

1681i ( a ) ( 6 ) Failure to provide the written results of reinvestigation, including the specific reason for continuing to report the disputed information Their actions amount to : Negligence or willful noncompliance with federal law ; Reckless disregard of my consumer rights ; And ongoing harm to my creditworthiness and ability to obtain fair financial opportunities. 

Furthermore, your vague use of the term verified without providing any substantive evidence or explanation violates the legal precedent established in Gillespie v. Equifax Information Services, LLC, 484 F.3d 938 ( 7th Cir. 2007 ), which held that a consumer is entitled to a description that is not cryptic or obscure about the reinvestigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
Re-insertion of Previously Deleted Accounts Without Legal Verification Violation of FCRA 611 and 623 What happened : I formally disputed multiple inaccurate and unverifiable accounts with the credit reporting agencies ( Experian, Equifax, and TransUnion ). The agencies initially deleted the accounts, acknowledging their lack of verification. However, they later re-inserted these accounts without providing the required notice or documentation, violating the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 5 ) ( B ) Re-insertion of deleted information without notifying the consumer within XXXX business days. 

611 ( a ) ( 7 ) Failure to provide a description of the procedure used to determine the accuracy and source of the information.

623 ( b ) Furnishers failed to provide substantiating documentation verifying the accuracy of the disputed data.

Despite requesting verification under 15 U.S.C. 1681i ( a ) and proof of lawful reporting under 1681s-2 ( b ), no such evidence was provided by the data furnishers or the CRAs.

1681i ( a ) ( 6 ) Failure to provide the written results of reinvestigation, including the specific reason for continuing to report the disputed information Their actions amount to : Negligence or willful noncompliance with federal law ; Reckless disregard of my consumer rights ; And ongoing harm to my creditworthiness and ability to obtain fair financial opportunities. 

Furthermore, your vague use of the term verified without providing any substantive evidence or explanation violates the legal precedent established in Gillespie v. Equifax Information Services, LLC, 484 F.3d 938 ( 7th Cir. 2007 ), which held that a consumer is entitled to a description that is not cryptic or obscure about the reinvestigation process.

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 2025-07-11 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX regarding a XXXX XXXX XXXX debt with Best Buy regarding a debt that was written off by Best Buy. They have called me twice and both times threatened me with legal action. They are demanding a payment plan for $ XXXX  monthly for a total of {$1900.00}. I was sent a contract to sign by a second company named XXXX XXXX XXXX. I have not taken any action since the phone calls and receipt of the contract.. In checking with the XXXX, this appears to be a common business practice of theirs.

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 2025-07-11 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: NC

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 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 Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX Account on Credit Report To Whom It XXXX Concern, I am writing to file a formal complaint regarding a tradeline reported by XXXX XXXX XXXX XXXX which appears on my Equifax credit report with an open date of XX/XX/XXXX. 

I have previously attempted to dispute or obtain full verification of this account, but I continue to see it reported on my credit file. I believe that this account is either inaccurate, outdated, or unverifiable, and as such, it is negatively affecting my credit profile. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and to dispute information that is incorrect or unverifiable. 

I respectfully request the CFPBs assistance in investigating this matter. Please have XXXX XXXX XXXX provide full validation of the debt, including : - A full breakdown of the original debt, if any - Documentation proving that I owe this debt - Proof that they have the legal right to report this account on my credit file - Any contracts or agreements with my signature If they can not provide this documentation, I am requesting that the tradeline be permanently removed from all credit bureaus where it is being reported. 

Please consider this a formal request for review. I have attached a copy of the credit report summary showing the tradeline in question for your reference. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, 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 2025-07-11 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to a pattern of unauthorized hard inquiries and fraudulent account activity that appeared on my credit reports without my consent or legal justification. These entries constitute a willful violation of my rights under multiple FCRA provisions. 



Violations of the FCRA : 1. FCRA 604 ( a ) ( 3 ) Unauthorized Access to Credit Reports A party must have a permissible purpose to access a consumers credit report.

The listed companies pulled my credit without my knowledge or authorization. 

2. FCRA 605B Failure to Block Identity Theft Data Credit reporting agencies ( CRAs ) are required to block and exclude any data related to accounts or inquiries reported via a valid Identity Theft Report.

These inquiries remain on my report even after my FTC report submission. 

3. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice If any deleted inquiry or fraudulent item was reinserted, I was not notified in writing, as required by law.

Fraudulent Inquiries and/or Accounts Reported By : 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  ) These inquiries and any accounts tied to them were not authorized by me and were initiated through identity theft or misuse of my personal information. 



Requested Resolution : 1. Immediate removal and permanent suppression of all fraudulent inquiries and related data from all CRAs ( XXXX, Equifax, TransUnion ).

2. A written explanation from each CRA identifying : Which companies made the inquiries, Whether any data was reinserted, and Why I was not properly notified under FCRA 611 ( a ) ( 5 ) ( B ).

3. A block on future reinsertion or reappearance of these fraudulent items unless full compliance with the FCRA is met.

4. A full CFPB investigation into the CRAs and listed companies for unauthorized access and data reporting.

5. Optional : I reserve the right to pursue damages under : FCRA 616 for willful violations, FCRA 617 for negligent noncompliance. 



Attached Documentation : FTC Identity Theft Report # XXXX Thank you for your attention and action on this matter. 

Sincerely, 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 2025-07-11 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: GA

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 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX a complaint with the CFPB filed by me against HFD was negotiated and closed. The response from the lending company ( HFD ) to the CFPB was logged and noted. HFD agreed to cease all inquiries to collect this debt due to inadequate services fulfilled by XXXX XXXX XXXX who has closed all of its operations due to bankruptcy back in XXXX. I was a customer of XXXX XXXX XXXX but i did NOT receive adequate XXXX care or any of the services promised to be provided to me by XXXX XXXX XXXX on my XXXX XXXX There is currently a class action lawsuit against XXXX XXXX XXXX due to all of the neglect to all of its customers. XXXX XXXX XXXX partnered with a " payment processing company '' Named Healthcare Finance Direct LLC to process all their accounts and now this company is going after all of the abandoned patients of XXXX XXXX to collect some of their financial loss. This is OBSURD and should be illegal! Us, the consumers, DID NOT receive complete dental care for a service we were promised by XXXX XXXX XXXX. HFD should acquire financial losses through the courts through the Bankruptcy filed by XXXX XXXX. I am now being threatened by HFD to be sent to Collections IF i do not pay for a service i never received?? I was able to dispute a few charges with XXXX XXXX and cancel any further charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-11 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation