vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 an account that has been misreported on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all XXXX credit bureaus. The account is being misreported across my credit files. I am requesting that ALL late payments be removed. If it can not be proven as accurate, I need to ensure my credit report reflects correct and fair 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 2025-10-16 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: NV

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
This complaint details multiple legal failures by the debt collector, Sequium Asset Solutions, all relating to XXXX XXXX account Account Ending in XXXX. 

XXXX. Attempt to Collect a Resolved Debt & Refusal to Provide Final Written Confirmation : The alleged debt has been formally resolved to a {$0.00} balance via a formal FCC complaint ( Case # XXXX ) against the original creditor XXXX. On XX/XX/year>, XXXX officially confirmed the {$0.00} balance. 

Despite this clear resolution : - On XX/XX/year> and in follow-ups, I formally demanded written confirmation that Sequium Asset Solution 's file is updated to {$0.00} and that they will not furnish any negative information to credit bureaus. 

- The debt collector/Sequium Asset Solutions has deliberately and completely failed to issue this mandatory final written confirmation. This non-compliance is an unlawful barrier to properly closing the account and exposes me to the risk of false negative credit reporting on a debt that is officially not owed. 

XXXX. Illegal Communication After Receiving a Combined FDCPA Dispute/Cease & Desist Letter ( Violation of 15 U.S.C. 1692c ( c ) ) : On XX/XX/year>, I sent the debt collector a certified letter that was both a dispute of the debt and a demand to " Cease all collection activity immediately. '' The debt collector subsequently violated the cease communication demand by sending an unauthorized email on XX/XX/year> which stated : " Good Day, Thank you for providing this information. Your account has been placed in a dispute status. We will escalate this matter to XXXX. for review and investigation. Once we receive additional information from them, unless you request otherwise, we will be in contact to provide you with an update. '' This communication is a violation of the XXXX & XXXX request. The FDCPA limits XXXX & XXXX contact to only XXXX notices ( termination of efforts or notice of intended legal action ). The collector 's email fails these exceptions and is an unlawful promise of future, open-ended communication ( " we will be in contact to provide you with an update '' ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Co signed for loan and the company is under investigation for unfair practices that hurting my 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I requested proof of the account. I have yet to receive it. I requested verification that it was my information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions of Ohio, Inc.
State: FL

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Between XXXX XXXX XXXX XXXX multiple unauthorized transactions were charged to my PayPal account through a merchant called XXXX XXXX XXXX XXXX, linked to the online game War Thunder. 

I entered my PayPal password once in early XXXX to approve a single {$45.00} purchase for my minor child. I did not consent to any future or recurring payments, and no option was presented to remember or save my authorization. 

Despite this, XXXX continued to charge my PayPal account daily for additional in-game purchases totaling over {$10000.00}. These transactions were processed through PayPal as if pre-authorized, even though I had never granted that permission. 

My bank XXXX XXXX XXXX  XXXX XXXX has filed a fraud dispute, and I have contacted XXXX and XXXX, but this appears to exploit PayPals reference transaction system that allows merchants to bill without new consent.

I believe this practice is deceptive and harmful to consumers, particularly parents, because the authorization was stored and reused indefinitely without clear disclosure. I request investigation into PayPals authorization process and XXXX billing behavior, and I request enforcement to require explicit, one-time consent for each purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Equifax has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2025-10-16 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.

Complaint narrative:
I have no knowledge of these accounts, nor did I authorize or consent to any such debts. These entries are inaccurate and are severely damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I am requesting a full investigation into the accuracy and validity of these accounts. Please contact the furnishers of this information and request proper documentation verifying that I am legally responsible for these debts. If they are unable to provide original signed contracts or verifiable proof of ownership, these accounts must be deleted immediately from my credit report.

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 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-16 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I received a letter dated XX/XX/year> from the US Department of Education Default Resolution Group instructing me that my loan is completely in default and has been transferred to them for collections. 

The reason this is frustrating is that Aidvantage, the former loan servicer, never attempted to contact me after purchasing my debt from XXXX XXXX ( my original servicer ). The letter I referenced above was the only notice I received via letter or phone regarding this debt since the XXXX XXXX XXXX XXXX payment mortarium. I received a letter from XXXX XXXX, and quite possibly another servicer, stating I would be contacted by my student loan servicer. However, I was never contacted. 

I contacted Aidvantage today and they didn't dispute their failure to request payment or even correspond with me on a basic level. Ultimately, they refused to reverse the transfer to the XXXX Department of Education. I am concerned that they charged me fees/interest and negatively reported me to the Credit Bureaus without even attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Halsted Financial Services , LLC Never provided the required written notice within XXXX ( XXXX ) days of their initial communication, in direct violation of FDCPA 1692g ( a ). 
And is unlawfully reporting and attempting to collect an alleged debt tied to XXXX XXXX, XXXX. ( Original Creditor Account Number ending XXXX ; Current Creditor : XXXX XXXX XXXX ; Balance : {$1300.00} ). The original creditor, XXXX XXXX, has already resolved and deleted this account from my credit reports between XX/XX/year> and XX/XX/year>, following a formal FCRA 1681 dispute and 26 U.S.C. 6050P 1099C cancellation request. I have attached screenshots showing that the XXXX XXXX tradeline was deleted and the balance reduced to {$0.00}. Once a XXXX is filed or a tradeline is deleted, the debt is canceled and no longer legally collectible. 

Despite this, Halsted Financial Services continues to report and attempt to collect on this extinguished debt. This conduct violates FDCPA 807 ( 2 ) ( A ) ( false representation of the character or legal status of a debt ), FDCPA 1692f ( unfair or unconscionable means ), and FCRA 623 ( a ) ( 1 ) ( A ) ( reporting information known to be inaccurate or unverifiable ). 

This inaccurate reporting has harmed my credit reputation, reduced my score, and caused financial and emotional distress. I request that the CFPB require Halsted Financial Services to immediately cease all collection activity, permanently delete all negative tradelines from XXXX XXXX XXXX XXXX and provide written confirmation of these actions. 

Attachments include XXXX XXXX deletion screenshots and account balance documentation, which prove the debt was canceled and removed, yet Halsted/XXXX continues to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

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 2025-10-16 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: MO

Complaint narrative:
A fraudulent credit card account was opened in my name without my knowledge or authorization. The account was originally with XXXX Credit Card, but XXXX subsequently transferred or sold this fraudulent account to XXXX XXXX 

I never applied for, authorized, or signed for this account. I have repeatedly notified the companies involved that this is identity theft and demanded that the account be closed and removed from my records. Despite my clear statements, the account has been transferred instead of being resolved. 

This has caused ongoing harm and risk to my credit reports. I have already filed an identity theft report with the FTC and I am demanding that both Ally and XXXX XXXX : Permanently close and delete this fraudulent account. 

Cease all collection or reporting activity. 

Remove all related negative information from my credit reports. 

Provide written confirmation that I have no liability for this account. 

The mishandling of this fraudulent account is unacceptable. I am requesting immediate CFPB intervention to ensure compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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