vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
Im writing to demand the immediate deletion of an account that is currently being reported on my credit file. This account is in pending litigation, and until the matter is legally resolved, it has no business being on my credit reportespecially not in its current, inaccurate form. 

Let me be very clear : This situation is actively being handled through legal channels, and yet youre continuing to report this account as if its settled fact. Its not. And in doing so, youre not just reporting incomplete and misleading informationyoure interfering with the legal process and violating your obligations under the Fair Credit Reporting Act ( FCRA ) to report only fully accurate and verifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CHERRY TECHNOLOGIES INC.
State: MD

Complaint narrative:
I made an appointment. XXXX XXXXXXXX XXXX XXXX in XX/XX/year>2025 for dental work they gave me a consultation of my mouth. My insurance company paid for that visit and I paid my deductible for that visit. The dental office told me my work would cost over XXXX dollars in which I didn't have so she apply to XXXX to get a loan I was approved for XXXX so I agreed and a payment plan was set up I had to make a down payment of XXXX so I did and I made a payment XXXX 2025 of XXXX. The dental office st up a date to begin the work however, it was canceled by them so I decided not to get the work done by them realizing the apr was to high. I contacted them by calls and email to canceled work to be done and contacted the loan company XXXX by email to cancel the loan and payment plan and request the money I paid to them XXXX twice totaling XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
Mandarich law threatening with a lawsuit stating the amount of debt. They wouldnt say from what at all. Ive received numerous emails from them. Harassing and threatening me about taking me to court. Thats what they are saying : Thank you for reaching out in reference. We would be willing to settle the account for {$2700.00} in XXXX  monthly payments of {$110.00} starting XX/XX/scrub>XXXX  Please confirm acceptance of this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in the process of Loss Mitigation as of XX/XX/XXXX. I was on a forbearance plans and once the hard ship was resolved. I was advised that the forbearance plan would be closed and we would be put under a permanent resolution. I was advised on every call that there would be no impact to credit reporting. Please review all calls. I was also told that I would receive the partial claim docs soon and I am now being told the documents have not been completed. Each agent has a different answer. I was told no delinquent reporting and now I am being told they will keep reporting delinquent. This is unfair and abuse of power by this company. Additionally, I have continually been provided misleading information. I have contacted an attorney as this company will not do what is right and I am prepared to fight until my credit is fixed! Remove the 180 day delinquency for XX/XX/XXXX and suppress reporting until you send the partial claim.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Ive been attempting to contact Aldous & Associates for some time. They have been attempting to collect a debt that does not belong to me. I have never received goods/services from this debt collection company or the original creditor. No one is willing to remove this collection off of my report, but they also wont provide proof that this debt is mine. Please help me in attempting to remove this false collection off of my report. What this company is doing is illegal, fraudulent, and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am filing a complaint against Monterey Financial Services and XXXX XXXX XXXX XXXX ( operated by XXXX  ) for improper debt collection and inaccurate credit reporting. 

In XX/XX/year>2023, I purchased a membership contract ( # XXXX XXXXXXXX ) under the representation that I would have access to a luxury XXXX XXXXXXXX. Upon my first and only stay, I discovered that the assigned unit was a standard suite on the first floornot a XXXX, as promised. 

This is a clear case of misrepresentation. I filed a formal complaint and cancelled the membership. I never returned to the property or used their services again. Despite my formal cancellation and written dispute, Monterey Financial attempted to collect the debt and then placed a derogatory mark on my credit report. 

This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request the following : Immediate removal of the account from all credit bureaus That the debt be formally marked as disputed and cancelled That Monterey Financial cease all collection efforts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I disputed this account with XXXX  on or before XX/XX/year>, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., another collector is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : XXXX XXXX XXXX XXXX ( {$1000.00} ). Reported by : 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 2025-06-11 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am a victim of identity theft. My Experian credit report contains several fraudulent accounts, inquiries, and personal data entries that I did not authorize. These include numerous student loans, a large auto loan, charge-offs, collections, and multiple credit inquiries all of which were not initiated or approved by me. 

The following accounts on my Experian report are fraudulent : XXXX student loan accounts from XXXX XXXX XXXX XXXX XXXX, opened between XXXX and XXXX, totaling over {$60000.00} in combined balances. These accounts were last reported in XX/XX/XXXX and are showing severe delinquency. 
A XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX with a balance of {$43000.00}, last reported on XX/XX/XXXX. 
An XXXX XXXX charge-off account opened on XX/XX/XXXX with a balance of {$820.00}, last reported on XX/XX/XXXX. 
Collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$6100.00} ) My Experian report also contains multiple hard inquiries made between XXXX XXXX XXXX, from lenders including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which I did not authorize. 

Additionally, there are numerous inaccurate addresses, outdated phone numbers, and name variations associated with my credit profile that do not belong to me and are inconsistent with my verified identity. 

I have filed an Identity Theft Report via IdentityTheft.gov and am including all necessary documentation, including a marked copy of my Experian credit report, photo identification, and proof of address. 

I am requesting that Experian fully investigate and remove all accounts, inquiries, and personal information tied to this identity theft under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ) Section 605B.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed this account with XXXX on or before XX/XX/year>, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., another collector is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : LVNV FUNDING FIRST ACCESS ( {$450.00} ). Reported by : LVNV Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding unauthorized credit inquiries listed on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX XXXX  ). The inquiries occurred on the following dates : * * * XX/XX/year> * * * * * XX/XX/year> * * * * * XX/XX/year> * * * * * XX/XX/year> * * These inquiries were made without my authorization. I contacted XXXX XXXX XXXX XXXX about the matter, and they acknowledged the error. XXXX sent an official error letter directly to TransUnion confirming the inquiries were made in error and should be removed. 

Despite this, TransUnion has failed to remove these inquiries from my credit report. I have also followed up directly with TransUnion regarding this matter, but there has been no resolution. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) by removing these unauthorized inquiries immediately. 

Please let me know if any further documentation is needed. I appreciate your time and assistance.

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 2025-06-12 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: AZ

Complaint narrative:
I don't recognize all these addresses on my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had a Harbor Freight credit card account with insurance that clearly stated if I lost my job, the balance would be covered and I would not owe anything. I lost my job and filed as required, but my insurance claim was denied or ignored, and the account was closed with the balance still due. I was misled into paying for this insurance, and the policy was not honored. I want the balance removed and this resolved. 

I want this removed from my credit report and the account marked as closed in good standing, since I followed the agreement.

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 2025-06-11 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

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 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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S. Code 1681c-2 Blocking of information resulting from identity theft Requires credit bureaus to block fraudulent information from appearing on your credit report if you submit : Proof of identity An identity theft report A statement specifying the fraudulent items. And this item is apart of Identity Theft

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