vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
XXXX XXXX, 2024 | went into brident dental for a cleaning. I was advised that I I needed a root canal, and braces. I rejected it at first, due to the cost of the root canal. They suggested I get a tooth extraction and then braces I was to pay {$99.00} down for the braces and XXXX  monthly. I cant afford that so. I agreed. I was given three shots of anesthesia in my mouth and 20 minutes later my tooth was extracted. The dentist and her assistant did not ask me if I wanted the anesthesia shots. They just gave them to me without my prior knowledge or consents. I paid for that service which was {$29.00}. I was in pain and told him I would come back for the braces at another time. The orthodontist said I need braces. Right then or a partial or some kind of tooth replacement which I could not afford. Being under anesthesia and in pain, I said would consider coming back a later date for braces. They insisted that I do them now if not, my facial structure would indent or something about my face or my teeth caving in due to that missing tooth, but I was in so much pain under anesthesia, they said only {$99.00} being woozy, tired, and a pain I just gave in. So two hours after I paid for the tooth extraction I went ahead and paid {$100.00} for the down payment of the braces and this was again on XX/XX/scrub>, 2024.. I got braces and was sent home with the cleaning I initially went for. My first monthly payment for the braces was on XX/XX/XXXX. I had a dentist appointment on XX/XX/XXXX, which was canceled due to no one being in the office when I showed up .. on XX/XX/XXXX | receive a bill stating that I owed {$4000.00} with the minimum of XXXX being due immediately or they would not see me. I called explain to them that I have a contract. My first payment was not due until XXXX XXXX was advised at that time that I needed to pay the {$900.00} to have any further visits to maintain my braces. First, I didn't really want the braces. I was under anesthesia and I feel like I was forced. I don't feel like I should have been signing any kind of anything with me being under anesthesia and having three shots in my mouth being in pain. My main issue though is my contract says my payments were XXXX a month and they were due to start on XX/XX/XXXX XX/XX/XXXX. I get this surprise bill and they say I owe {$900.00} They said the {$900.00} is the down payment. I paid the down payment of {$100.00} on XX/XX/XXXX.. I've had to spend {$500.00} to get the braces taken off by a different provider had a different location..

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXX XXXX XXXX, XXXX on XXXX, XXXX XXXX XXXX, OPENED ON XXXX The following fraudulent hard inquiries were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
I recently discovered that both TransUnion and Experian have the incorrect year listed for my date of birth in their credit files. This error does not match the information on my government-issued ID or other official records. 

I noticed this issue on XX/XX/XXXX, when reviewing my credit report for accuracy. I have not authorized any changes to my personal information, and I do not know how or when this incorrect information was added. 

I attempted to submit a dispute through the online portals of both TransUnion and Experian to correct this error. However, their systems would not allow me to complete the dispute regarding the date of birth. 

This error could potentially affect my identity verification and credit-related activities. I am requesting that both credit bureaus promptly investigate and update the year of birth on my file to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy and legality of an account being reported on my Experian credit report by XXXX XXXX XXXX for a balance of approximately {$6200.00}, allegedly related to a prior XXXX XXXX auto loan. 

This account is inaccurate, incomplete, and unverifiable. XXXX XXXX XXXX has failed to provide the following documentation after my multiple requests : A signed, executed contract or promissory note bearing my signature proving I am legally obligated for this debt. 
A valid bill of sale or assignment agreement showing XXXX XXXX XXXX has legal ownership and collection rights for this account. 
A complete itemized payment history and accounting from the original creditor, XXXX XXXX, to substantiate the reported balance. 

Without these documents, XXXX can not lawfully report or collect this debt. Reporting unverifiable information violates both the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Experian, as a credit reporting agency, is also required under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation and delete any information that can not be verified. 

Additionally, under Metro 2 reporting standards, any reported tradeline must be accurate, complete, and verifiable. This account fails those standards. XXXX has not produced validation despite my written disputes, and therefore Experian can not continue to report it in compliance with federal law. 

Because the furnisher has not provided verifiable evidence and because Experian is required to ensure maximum possible accuracy under FCRA 607 ( b ), I am demanding that this account be permanently deleted from my credit file. Continuing to report this account without proper validation constitutes willful noncompliance and subjects Experian to liability under federal law. 

I request immediate deletion of this account 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: AZ

Complaint narrative:
I have not received the promotional {$200.00} bonus for fulfilling the required terms with Netspend : Netspend is offering a {$200.00} bonus when you open a Netspend Prepaid Card or Netspend Debit Account and complete the following requirements : Activate card Enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX On these dates above, I've made several attempt to resolve the inaccuracies on my profile and nothing has been resolve. 
- Deletion or correction of the trade-line if any element can not be fully verified ; - A full summary of the results within the 30-day legal timeframe.

Under 15 U.S.C. 1681i, if information can not be verified during a reinvestigation, it must be promptly deleted from the credit file. Your system clearly shows that you did not receive proper validation or documentation from the furnisher of the disputed 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 non-monetary relief
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX On these dates above, I've made several attempt to resolve the inaccuracies on my profile and nothing has been resolve. 
- Deletion or correction of the trade-line if any element can not be fully verified ; - A full summary of the results within the 30-day legal timeframe.

Under 15 U.S.C. 1681i, if information can not be verified during a reinvestigation, it must be promptly deleted from the credit file. Your system clearly shows that you did not receive proper validation or documentation from the furnisher of the disputed 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
Resolution Requested : Immediate removal of any and all inaccurate, unverifiable, or misleading information from my credit report related to the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific correction of the XXXX XXXX account to reflect that the vehicle was declared a total loss and not repossessed, in accordance with the official documentation provided by XXXX XXXX 
Written verification from each data furnisher showing : Proof of a valid Forward Flow Agreement The complete Chain of Assignment If such documentation can not be provided, the account ( s ) must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ).

In light of the recent LexisNexis data breach, I have reason to believe that some of the information reported on my credit profile may be the result of compromised data. As a consumer, I have the right under the FCRA ( 602 & 611 ) to dispute any information in my file that is inaccurate, incomplete, or unverifiable especially if that data was derived from a source whose integrity has been compromised.

I request : A full revalidation of any information furnished to my credit report that may have been obtained or processed through LexisNexis, Documentation confirming the accuracy and integrity of any such data, and Immediate deletion of any information that can not be independently verified with original documentation. 
Updated copies of my credit reports from all three major credit bureaus ( XXXX, EXXXX and XXXX XXXX reflecting any deletions or corrections made as a result of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
XXXX  XXXX is charging me XXXX $ o havent even been to they gym I tried to get this remove off my credit for 2 years Also XXXX  gave it to XXXX XXXX XXXX I dont know them. I dont owe them also XXXX XXXX is also on my account and I dont know them at all I ask for information from both accounts I didnt receive nothing back no accuracy or nothing, according to The FCRA is a crucial piece of legislation for protecting consumers from inaccurate, outdated, or unverifiable information on their credit reports. 
It empowers consumers to take action to correct errors and improve their credit health. 
If a collection agency can not verify the debt with supporting evidence, it should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
XXXX  XXXX is charging me XXXX $ o havent even been to they gym I tried to get this remove off my credit for 2 years Also XXXX  gave it to XXXX XXXX XXXX I dont know them. I dont owe them also XXXX XXXX is also on my account and I dont know them at all I ask for information from both accounts I didnt receive nothing back no accuracy or nothing, according to The FCRA is a crucial piece of legislation for protecting consumers from inaccurate, outdated, or unverifiable information on their credit reports. 
It empowers consumers to take action to correct errors and improve their credit health. 
If a collection agency can not verify the debt with supporting evidence, it should 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 2025-07-30 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: LA

Complaint narrative:
I was recently trying to buy a semi truck to start my business and noticed that I had damages on my credit report according to XXXX U.S.C XXXX there should not be any damages on my credit report its a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
I was recently trying to buy a semi truck to start my business and noticed that I had damages on my credit report according to XXXX U.S.C XXXX there should not be any damages on my credit report its a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: FL

Complaint narrative:
I applied for a mortgage assistance by a Forbearance in XX/XX/year> due to losing my job. The mortgage company kept harassing me, so I withdrew my application and I continued to pay the mortgage until I couldn't anymore in XX/XX/year>. I applied for a forbearance in XX/XX/year>. Then the mortgage company claimed they would not report me to the credit bureau due to me being unemployed. They continued to report me to the credit bureau and failed to provide me with a forbearance or any sort of assistance. Then the mortgage company claimed in XX/XX/year> and XX/XX/year> that they needed to run my credit and my credit was frozen. I immediately unfroze my credit and they failed to run my credit until mid XXXX even though I called them several times telling them that my credit was not frozen. I even sent an email to them. They delayed my application and then kept and still are reporting me to the credit bureau causing my credit to drop almost XXXX XXXX points to around XXXX. They claim that they are working on a loan modification. However, now they are saying they need 30 days to tell me whether I qualify for that. Meanwhile I got a job at the end of XXXX XXXXTherefore, while unemployed, they didn't provide me with any assistance. However, I had to take a significant pay cut and now I am in great need of a loan modification as I was unemployed for almost 7 months. I still have not gotten any status as to my application. They keep telling me it is with an underwriter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: TN

Complaint narrative:
I have negative accounts on a car that isn't mine, it belongs to my ex-wife. She's responsible for that, not me. She stopped paying it, and all that negative information is on my report. Then she changed cars, and that debt is still in my name. I sent the claim and the divorce information, but I haven't received a response. 

In addition to that, these credit bureaus have several accounts in collection that I asked them to delete, and they don't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
They repossessed my vehicle, and asked me to pay almost triple the amount that was left over on the car. After a while they sold it & never provided me any documents

Company response to consumer: Closed with explanation