vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: MO

Complaint narrative:
Goods and services were never received from XXXX, though Healthcare Finance Direct continues to attempt to collect money on those same goods and services that were never received. Ive explained to Healthcare Finance Direct that all chargeback requests through my banks have been approved after thorough investigation, yet they choose to ignore these chargebacks and continue to attempt to collect money. Those banks who conducted thorough investigations are XXXX And XXXX. 

Healthcare Finance Direct has, not once but twice, automatically charged my card without authorization. Ive made it clear that all transactions must be manually paid, yet they have ignored this simple request. Ive had to cancel one credit card because of their continued incompetence, and Ill need to cancel another card yet again as they continue to automatically charge another credit card without authorization. 

Healthcare Finance Direct fails to understand that all aligners were offered prior to XXXX filing for bankruptcy and, again, they were never received. They claim these aligners were part of a lifetime guarantee which was no longer applicable once they filed for bankruptcy, but they were offered as part of my original XXXX XXXX XXXX. 

Ive requested that Healthcare Finance Direct stop all attempts at collecting debt as all chargebacks have been and will continue to be approved by my banks, but they continue to ignore my requests, continue to automatically charge my credit cards without authorization, and continue to attempt to collect on amounts already approved as chargebacks from two major financial institutions. 

Additionally, they have threatened to send my past due amount to collections ( this amount is only past due as they believe the chargebacks are not valid ). The threat to send to collections after approved chargebacks is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: DC

Complaint narrative:
I am writing in accordance to my rights outline in FCRA procedures. 
The creditor in question ( XXXX XXXX ) has reported to the credit union Experian inaccurate information on my account. The balance that was reported is incorrect, which resulted in a negative change on my credit profile. As of XX/XX/scrub>/2025 my credit profile with Experian was updated to being over its limit. With my diligent efforts to check my XXXX XXXX account via ( Online App ). My current balance was well under the limit that XXXX XXXX  has reported to Experian. 
XXXX XXXX Balance ( {$400.00} ) reported XX/XX/scrub>/2025 to Experian Online balance ( App ) {$130.00} as of XXXX/XXXX/2025

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 2025-05-18 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: CA

Complaint narrative:
In response to my complaint and dispute XXXX XXXX  stated that they verified the information. I don't believe this is true or cant be done since the reporting information is incorrect. They can verify wrong information. Since I have asked them for the method of verification. I requested XXXX show me proof of verification XXXX provide me the NAME of the verifier XXXX state the documents used for verification XXXX provide me a copy of those documents XXXX show date of verification. 

Neither the credit bureaus or XXXX XXXX  have provided this information to me. If this can't be done, this account should be removed from all three credit bureaus reports. This account has not been updated in XXXX years with the status and history. They are NOT doing a real investigation. 

XXXX XXXX  Account number 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 2025-05-18 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: CA

Complaint narrative:
In response to my complaint and dispute XXXX XXXX  stated that they verified the information. I don't believe this is true or cant be done since the reporting information is incorrect. They can verify wrong information. Since I have asked them for the method of verification. I requested XXXX show me proof of verification XXXX provide me the NAME of the verifier XXXX state the documents used for verification XXXX provide me a copy of those documents XXXX show date of verification. 

Neither the credit bureaus or XXXX XXXX  have provided this information to me. If this can't be done, this account should be removed from all three credit bureaus reports. This account has not been updated in XXXX years with the status and history. They are NOT doing a real investigation. 

XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
After filing a dispute with said company the response was they were unable to locate my credit file or account, due to problems on their behalf but still keeping accounts that are incorrect on my credit reports which hurts my credit score and refuse to admit that i have a credit file To Whom It May Concern, I am writing to dispute my entire credit report. I believe that all information contained within the report may be inaccurate or incomplete. This is a formal dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and consumer law. 

Under the FCRA, specifically under 15 U.S.C. 1681i, I am requesting a thorough investigation of all the information reported on my credit file. I am requesting that any inaccurate, incomplete, or unverifiable information be removed or corrected within the legal time frame.

Furthermore, I believe that my information was obtained illegally, particularly in connection with the Equifax data breach. This breach has compromised my personal information, and I request that any information obtained as a result of this breach be removed from my credit report immediately. 

Please confirm receipt of this dispute and provide an update on the status of your investigation as soon as possible. If I do not receive a response within the required time frame, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
After filing a dispute with said company the response was they were unable to locate my credit file or account, due to problems on their behalf but still keeping accounts that are incorrect on my credit reports which hurts my credit score and refuse to admit that i have a credit file To Whom It May Concern, I am writing to dispute my entire credit report. I believe that all information contained within the report may be inaccurate or incomplete. This is a formal dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and consumer law. 

Under the FCRA, specifically under 15 U.S.C. 1681i, I am requesting a thorough investigation of all the information reported on my credit file. I am requesting that any inaccurate, incomplete, or unverifiable information be removed or corrected within the legal time frame.

Furthermore, I believe that my information was obtained illegally, particularly in connection with the Equifax data breach. This breach has compromised my personal information, and I request that any information obtained as a result of this breach be removed from my credit report immediately. 

Please confirm receipt of this dispute and provide an update on the status of your investigation as soon as possible. If I do not receive a response within the required time frame, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
disputed two bankruptcy records that were being reported on my credit file. On XX/XX/year>, I submitted proof to XXXX, including official XXXX  case details, that both bankruptcies should not have been reported. 

XXXX investigated and confirmed both records were inaccurate. They permanently deleted both from their system and stopped furnishing them. However, both bankruptcies are still being reported by the credit bureau, despite XXXX no longer supplying that data. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 5 ) : unverifiable data must be deleted 607 ( b ) : credit reporting must be maximally accurate

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 2025-05-18 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:
ATTENTION : CFBP SUBJECT : Formal Dispute and Demand for Deletion of Loan Records from DEPT OF EDUCATION/XXXXXXXX XXXX DEPT OF ED To Whom It May Concern, This correspondence serves as a formal dispute of the student loan record associated with the above-referenced account, currently maintained by the Department of Education and/or its servicers , including XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am asserting that the continued reporting and maintenance of this debt is improper and I am demanding its immediate deletion from all records.

Upon review, I have identified material deficiencies in the accuracy and verifiability of the data underlying this account. Federal consumer law requires that all information furnished to consumer reporting agencies be complete and verifiable. If the Department of Education and its agents are unable to provide full substantiation of this debtincluding original loan documents, a complete payment history, and a clear calculation of any outstanding balanceI request that the loan record be immediately deleted from all systems and all credit reporting agencies notified accordingly. 

Please consider this letter a direct request for deletion under the FCRA and FDCPA. If you are unable to fully validate the accuracy and legal enforceability of this debt, you are obligated to remove it from all reporting. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION : CFBP SUBJECT : Formal Dispute and Demand for Deletion of Loan Records from DEPT OF EDUCATION/XXXXXXXX XXXX DEPT OF ED To Whom It May Concern, This correspondence serves as a formal dispute of the student loan record associated with the above-referenced account, currently maintained by the Department of Education and/or its servicers , including XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am asserting that the continued reporting and maintenance of this debt is improper and I am demanding its immediate deletion from all records.

Upon review, I have identified material deficiencies in the accuracy and verifiability of the data underlying this account. Federal consumer law requires that all information furnished to consumer reporting agencies be complete and verifiable. If the Department of Education and its agents are unable to provide full substantiation of this debtincluding original loan documents, a complete payment history, and a clear calculation of any outstanding balanceI request that the loan record be immediately deleted from all systems and all credit reporting agencies notified accordingly. 

Please consider this letter a direct request for deletion under the FCRA and FDCPA. If you are unable to fully validate the accuracy and legal enforceability of this debt, you are obligated to remove it from all reporting. 

Thank you for your prompt attention. 

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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IN

Complaint narrative:
Information stollen in a data breach 2 one was XXXX  and it has hard inquiries that are not mines also 2 collections account thats are not mines that is affecting my credit and the wrong adress on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Hello, thank you for your time. 

I went to rye emergency room at XXXX XXXX in XXXX XXXX XXXX, florida, on XX/XX/XXXX. At the time i had an insurance through my job called XXXX XXXX. I was billed by the hospital around {$4000.00} after my insurance paid their part. I had a payment plan through the hospital that i used to pay monthly. At the ending of XXXX i losr my job and in XXXX i called the hospital to request financial assistance, which was granted and it covered all my hospital bill whether it was before XX/XX/XXXX. I was told that all my bill eas taken care of. Fast forward to XX/XX/XXXX, I noticed that i got a email from XXXX XXXX about a collection on my credit. I was in denial because i dont recall ever having any outstanding bill. When i checked it out, Wakefield and Associates had sent me to collections for {$980.00} from XXXX XXXX. I googled and gave them a call about the charge. I told that i my balance at the hospital was covered and that i owned the hospital nothing. They told me that i was charged through a third party called XXXX XXXX XXXX. So i called the hospital and spoke to someone in the billing department ; they told me that my balance is paid off and that they dont know paragon collections services and that they dont do their billing through third parties. I called XXXX to request information about paragon contractors services and was told by XXXX that they dont have any information about them. I asked about filing a dispute, and was given an email to send my dispute to. I sent an email to them on XX/XX/XXXX, explaining my circumstances. I havent received a reply as yet from them. I have attached my documents from XXXX XXXX, XXXX XXXX and the email i sent to XXXX below. I need help in clearing this balance off my credit because i havent worked in a while and my credit score has been declining ever since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
In response to my complaint and dispute XXXX XXXX  stated that they verified the information. I don't believe this is true or cant be done since the reporting information is incorrect. They can verify wrong information. Since I have asked them for the method of verification. I requested XXXX show me proof of verification XXXX provide me the NAME of the verifier XXXX state the documents used for verification XXXX provide me a copy of those documents XXXX show date of verification. 

Neither the credit bureaus or XXXX XXXX  have provided this information to me. If this can't be done, this account should be removed from all three credit bureaus reports. This account has not been updated in XXXX years with the status and history. They are NOT doing a real investigation. 

XXXX XXXX  Account number 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 2025-05-18 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 reporting on my credit unauthorized reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
Hello, I'm calling to have some inforation removed frm my file. I have a list of items that I'd like to have remved frm the report. I've got a situation of identity theft, and I didn't make thse purchases, you understand? I'd like to have these items remved so I can repair my credit report. I've already reprted the identity theft to the Federal Trade Commission, and I've provided them with copies of their Identity Theft Affidavit. Can you have those items removed as soon as possible?

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 2025-05-18 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: OH

Complaint narrative:
Hello, I'm calling to have some inforation removed frm my file. I have a list of items that I'd like to have remved frm the report. I've got a situation of identity theft, and I didn't make thse purchases, you understand? I'd like to have these items remved so I can repair my credit report. I've already reprted the identity theft to the Federal Trade Commission, and I've provided them with copies of their Identity Theft Affidavit. Can you have those items removed as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I received notice from the Department of Education that my loans were forgiven due to the Borrowers Defense ; however, Mohela is refusing to forgive my loans. I have provided them with a copy of the letter I received but they still have not forgiven my loans, five ( 5 ) months later. The provider XXXX forgave my loans immediately with no problem so I don't understand what Mohela is waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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 formally dispute this reporting of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio recovery associates repeatedly calls both mine and my spouses phone even though I have referred them to our attorney. They call 7 days a week at all different times.

Company response to consumer: Closed with non-monetary relief