vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX 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 2025-05-14 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am a victim of identity theft, and several fraudulent accounts and unauthorized inquiries have appeared on my credit reports across all three major credit bureaus ( Equifax, XXXX XXXX XXXX ). These accounts were opened without my consent or knowledge and are significantly damaging my credit profile. 

Despite multiple disputes and supporting documentation submitted to the credit bureausincluding a police report, a copy of my government-issued ID, and a copy of my Social Security cardthe following fraudulent accounts and inquiries remain on my credit reports. 

Fraudulent Accounts and Inquiries to Be Removed : XXXX XXXX ( Account # XXXX ) Charged-off account with inconsistent reporting and no verification. 

XXXX ( Account # XXXX ) Reporting incorrect open dates and credit limits. 

XXXX XXXX  ( Account # XXXX Fraudulent auto loan never authorized by me. 

Unauthorized Inquiries from the Following Companies : I did not authorize any of the above accounts or inquiries. I have submitted disputes through the credit bureaus and have not received proper investigations or timely resolutions as required by the Fair Credit Reporting Act ( FCRA ). Some of these inquiries and accounts date back several months and continue to report despite being disputed. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in compelling the credit reporting agencies to immediately remove all fraudulent accounts and inquiries listed above and provide a written confirmation of the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SC

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 2025-05-15 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.

Complaint narrative:
My wife, began treatment with XXXX ( XXXX ) in XX/XX/year>. During her initial consultation, we specifically discussed the presence of her wisdom teeth and any potential impact on her treatment. We were assured that adjustments, including replacement aligners, could be provided if necessary. In the end this was part of the " Lifetime Warranty '' that the company advertised. 

A few months later, my wife experienced issues due to her wisdom teeth and subsequently had them removed. We contacted XXXX, and they performed a new scan and indicated they would send a replacement set of aligners. However, these aligners were never received. This occurred approximately one week before XXXXXXXX XXXX bankruptcy announcement. While it was later found that the package was indeed shipped, we never received them, as it can be seen in XXXXXXXX XXXX record. We were never able to register the new set of aligners in the app. 

After that, we tried to contact XXXX for assistance but the website was down, they didnt answer calls and the office was closed. So we tried contacting XXXX instead, we sent them several emails and we called several times, but nothing happened. 

From XXXX XXXX XXXX/ I should be eligible for a full refund, as I never received my set of aligners. 

" 3. I am a XXXX customer, but I never received the XXXX XXXX XXXX XXXX XXXX What happens to my XXXX payment plan now that XXXX is closed for business? 
If you entered into a XXXX plan as of XX/XX/year> and did not receive the initial set of aligners pursuant to your treatment plan, you are not obligated to continue making payments under your Retail Installment Contract ( XXXX ) and any outstanding balance under the XXXX will be canceled. XXXX has processed a full refund of any and all installment payments you have made back to the credit card, debit card, or bank account you have on file with XXXX. 
" In conclusion, XXXX is no longer operating and the treatment is incomplete. They didn't fulfill their contractual obligations, yet their financing partners are still demanding payment. 
I have sent close to 50 emails attempting to clarify this situation with XXXX, yet they persist in harassing me over this debt, continually increasing the amount due to interest and threatening to send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am a victim of identity theft, and several fraudulent accounts and unauthorized inquiries have appeared on my credit reports across all three major credit bureaus ( XXXX, Experian, and XXXX  ). These accounts were opened without my consent or knowledge and are significantly damaging my credit profile. 

Despite multiple disputes and supporting documentation submitted to the credit bureausincluding a police report, a copy of my government-issued ID, and a copy of my Social Security cardthe following fraudulent accounts and inquiries remain on my credit reports. 

Fraudulent Accounts and Inquiries to Be Removed : XXXX XXXX  ( Account # XXXX ) Charged-off account with inconsistent reporting and no verification. 

XXXX XXXX XXXX XXXX XXXXXXXX ) Reporting incorrect open dates and credit limits. 

XXXX XXXX ( XXXX ) Fraudulent auto loan never authorized by me.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
Disputed Account Information : Furnisher Name : Consumer Adjustment Co Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Credit Bureau : XX/XX/XXXXReported Balance : {$1100.00} Reporting Date : XX/XX/2025 Activity Type : Collections ( XXXX XXXX XXXX ) Nature of Dispute : According to e-OSCAR Dispute Code 001 ( Not his/hers I, the consumer, am claiming this account does not belong to me. I am asserting the following : I do not recognize this account.

I have never had a contract, agreement, or relationship with this company. I have never heard of this company ever before.

I have received no bills, letters, calls, or notices concerning this account.

I believe this account was either opened in error, reported in error, or may be the result of identity theft or mistaken identity.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the furnisher is obligated to fully investigate this dispute and provide documented validation, such as a signed agreement or application proving I am responsible for the alleged debt. If such documentation can not be furnished, the item must be deleted from all consumer reporting files.

XXXX XXXX XXXXompliance Requirements : While this account is under investigation, I request the following Metro 2 reporting updates in compliance with CDIA guidelines : Compliance Condition Code : XH ( Account closed at consumers request and under dispute ) Special Comment Code : XB ( Consumer disputes this account information ) Account Status Code : Updated to reflect the account is In Dispute Consumer Information Indicator : Code E ( Account in dispute reported by consumer ) If the furnisher can not verify this account with documentation, it must be removed pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). Continuing to report unverifiable information is a willful violation of federal law and subject to enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX XXXX XXXX {$2300.00} XX/XX/year>2020 2020

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 2025-05-15 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: WI

Complaint narrative:
PLEASE REMOVE ALL INCORRECT INFORMATION ON MY CONSUMER REPORT AS I WAS APART OF A FEW BREACHES THAT HAVE CAUSED THE WRONG INFORMATION TO BE ADDED TO MY REPORT. PER FCRA LAW MY CONSUMER REPORT SHOULD BE PROTECTED PLEASE UPDATE MY INFORMATION TO THE INFORMATION ATTACHED TO DISPUTE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: WI

Complaint narrative:
PLEASE REMOVE ALL INCORRECT INFORMATION ON MY CONSUMER REPORT AS I WAS APART OF A FEW BREACHES THAT HAVE CAUSED THE WRONG INFORMATION TO BE ADDED TO MY REPORT. PER FCRA LAW MY CONSUMER REPORT SHOULD BE PROTECTED PLEASE UPDATE MY INFORMATION TO THE INFORMATION ATTACHED TO DISPUTE

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group
State: TX

Complaint narrative:
Ive been talking to them since XX/XX/year> and I keep asking for validation of debt and they keep sending me an email stating they are attempting to collect a debt refusing to send me any information showing that I had an account with the company they are referring to after requesting this information. I advised them to stop calling me, but they are continually calling me all day every day, even before XXXX XXXX  and after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent a written request for debt validation under the Fair Debt Collection Practices Act, asking XXXX  to provide : A copy of the original signed agreement or contract A full itemized breakdown of the charges, including nearly {$5000.00} in added fees Proof that XXXX is authorized to collect the debt The name of the original creditor An explanation of how the balance was calculated XXXX responded with a list of transactions, but the list does not include the full account balance, only individual charges and the first two numbers of the balance. Their cover sheet shows principal : {$7300.00}, other charges : {$4500.00}, amount : {$11000.00} with no explanation of what those " other '' charges are. 

The second XXXX form called " List Accounts For Collection on this Convenient Sheet '' shows : Principal due : {$7300.00} Finance charges/interest of {$370.00} Total due of {$7800.00} Despite this, XXXX did not provide a signed agreement or proof of legal authority to collect the debt. They continued collection efforts and added unexplained fees, significantly increasing the alleged balance. 

I believe XXXX  has violated the FDCPA by failing to properly validate the debt and by adding unauthorized fees. I request an investigation and that XXXX cease collection efforts until full and proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
I had a 12-month subscription with XXXX that ended on XX/XX/year>. 
While the subscription was set to auto-renew, XXXX no longer had my current credit card information, so they were unable to auto-renew my subscription. 

This resulted in my account being locked immediately at the end of my previous 12-month subscription that I had paid for. 

My account has been locked ever since XXXX was unable to renew my account and no service has ever been provided by XXXX since the end of my previous subscription. 

XXXX is claiming I owe them for a new 12-month subscription even though a new subscription was never successfully renewed, my account locked, and no services provided.

I have repeatedly asked them for their terms & conditions to show where it states that I owe them for a subscription they could not auto-renew and have never given to me, especially when we are halfway through the year and they still have provided no service. 

They have now sent this to a debt collection agency, RFGI, from which I am getting a barrage of emails demanding I pay for a service I never received.

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 2025-05-15 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report, please remove these accounts from my 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 explanation