vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: SD

Complaint narrative:
I am submitting this complaint due to ongoing collection efforts related to a XXXX  ( XXXX  ) payment plan that became unmanageable and unfair after the company abruptly shut down. 

I signed up for treatment with XXXX and agreed to a monthly payment plan. I made consistent payments from [ Start Date, e.g., XX/XX/XXXXXXXX  ] through XX/XX/XXXX, totaling approximately [ Total Paid, e.g., {$820.00} ]. However, in late XXXX, XXXX suddenly ceased operations and failed to complete my treatment or provide further service. 

Despite this, I began receiving collections notices demanding I continue paying for a service that was never completed. I reached out to XXXX and the financing company ( such as XXXX or XXXX ), but received no clear response or resolution. In fact, XXXX has stated that they are no longer servicing the account yet I am still being contacted by debt collectors like XXXX. 

It is unreasonable to expect consumers to keep paying for a product and service that was never finished due to the companys own shutdown. I am asking the CFPB to investigate this situation and prevent further collection actions that unfairly penalize consumers. 

I am happy to provide payment records and communications if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reel Time Capital LLC
State: AZ

Complaint narrative:
through their portal. I never received monthly billing statements, payment options, or phone calls only a few emails from their collection vendor, XXXX, all of which went to my spam folder and were missed. 

I was not made aware that the account was delinquent until it was already placed in collections and reported negatively to the credit bureaus. XXXX  XXXX never reported the account while it was in good standing it only appeared on my credit report after becoming delinquent, which is misleading and unfair. 

Later, the debt was apparently sold again to a company called Reel Time Capital. I was never informed of this transfer, and I did not receive any formal validation or documentation from Reel Time Capital before they began attempting to collect. I still have not received anything that verifies the debt, including a breakdown of the balance or proof that they own the debt. 

I have attempted to dispute the account and request validation, but I have not received proper documentation or resolution from any of the involved parties. This entire process has harmed my credit, and I believe it violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. XXXX report is attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AR

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-26 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
TransUnion is willfully refusing to correct or delete multiple derogatory tradelines based on its incorrect presumption that my past disputes were admissions of account ownership. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), including 1681i ( a ) ( reinvestigation ), 1681e ( b ) ( maximum accuracy ), and 1681s-2 ( b ) ( duty to investigate disputes from furnishers ).

I have submitted formal disputes, along with a valid FTC Report, clearly stating these accounts remain unverified and inaccurate. My prior disputes were aimed at correcting the reporting status and challenging inconsistent data not to acknowledge liability. TransUnion is now using those previous disputes to block further investigation and refuses to validate the accounts as required by law. 

Disputed Accounts and Numbers : XXXX. XXXX XXXX Account Number : XXXX Balance : {$19000.00} Status : Charged off, closed by grantor, in collections. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$5500.00} Status : Charged off, closed by grantor, 120+ days late. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$8800.00} Status : Collections, past due, closed. 
XXXX. XXXX XXXX Account Number : XXXX Balance : {$15000.00} Status : Charged off, {$5200.00} past due, dispute marked subscriber disagrees. 
XXXX XXXX XXXX Account Number : [ Unknown fulllisted in TransUnion file ] Balance : {$0.00} Status : Settled for less than full balance ; derogatory payment history persists. 
XXXX. XXXX XXXX Account Number : XXXX Balance : {$0.00} Status : Settled for less than full balance ; still marked as derogatory. 
XXXX. XXXX XXXX Account Number : XXXX Balance : {$0.00} Status : Settled for less than full balance ; derogatory history retained. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Unknown - Not Listed in TransUnion file ] opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed : XX/XX/XXXX Balance : {$0.00} Status : Paid ; derogatory 30-day late reported without resolution. 

All of these accounts remain flagged or derogatory in my TransUnion file, despite ( 1 ) being invalid, ( 2 ) remaining unverified under 1681i, and ( 3 ) being linked to a valid FTC REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: LA

Complaint narrative:
Account isnt mine. It was not properly investigated and information requested was not validated and provided to me. This company has not provided a purchase agreement. The address that they have on file I have never lived in the city or and that address. They are trying to make me pay for something that doesnt belong 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have an auto pay plan set up through my primary checking account. The payment is deducted on the XXXX of every month at XXXX. Unfortunately, my primary checking account had a freeze on it toward the end of XX/XX/XXXXXXXX  due to fraudulent charges. On XX/XX/XXXXXXXX  at XXXX, I logged into the Discover App. I added a new method of payment and selected that method of payment for a one time payment so I would not miss my payment and so the payment would not be attempted from my primary account due to the freeze. As of XX/XX/XXXX, I received a notice that I had missed a payment or that the payment was returned for insufficient funds. I called Discover XX/XX/XXXX and spoke to a representative who stated she saw that the payment was pulled from the wrong account and that I should receive a credit of the {$30.00} return payment fee. I also made the {$35.00} payment at that time. I checked my account XX/XX/XXXX and noticed I had not yet received the credit. I called XX/XX/XXXX at XXXX EST. Over the course of one hour and nine minutes, I spoke to 5 different people. I received different information from all of them. The first person told me I never added an account, the second person told me she found the account I added listed in the notes but couldn't see anything else. The third person I spoke to confirmed the date and time I added the secondary account and confirmed I initiated the payment in sufficient time, but that the payment was taken out of the wrong account. The fourth person told me that it was my fault that I added a secondary payment method but didn't actually initiate the payment, even though I had. I asked for a manager. The manager repeated what the fourth person said. The manager advised that since I have no way to prove that I initiated the payment he had no way of crediting my account {$30.00}. I asked for someone higher and was told there is no one else. I asked for a legal document stating why he could not credit my account and was told there isn't one. He could not give me any evidence as to why he couldn't credit my account. Also, every person stated that the charge was returned due to insufficient funds. It was not. Discover, even after I added an alternate method of payment, continued to try and pull the money from my primary account that had a freeze on it. The returned payment was labeled XXXX- which is a company hired to protect credit card companies from granting credits/refunds. It was never declined due to insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-26 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: SC

Complaint narrative:
I am a victim of identity theft stemming from multiple confirmed data breaches in which my personal information was compromised. Despite this, Equifax has willfully reinserted this fraudulent account on my credit card file without providing me written notice within 5 business days as mandated by FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) ( 15U.S.C. and 1681i ( a ) ( 5 ) .The account is XXXXXXXX XXXX XXXX account number XXXX with balance of {$3100.00} labeled as a closed charge off.I have no knowledge of of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-06-26 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: 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 Experian, XXXX XXXX XXXX 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 ( 1 ) 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 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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
i requested a wire on XX/XX/year> around XXXX XXXX. It is now XX/XX/year> after XXXX XXXX XXXX and Robinhood still shows the wire In Review. i contacted before requesting the wire. They recommended to send the wire to my XXXX bank accounts that is verified with them to expedite the process ; however, it has not helped as the wire has been stuck for more than XXXX hours. The wire is needed for the closing of a real estate transaction. i have called them numerous times and they keep telling me different messages, with no clear time of completion or escalation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to update my personal information listed on my credit report. I recently reviewed my credit file and noticed that some of the information is inaccurate or outdated. Please update my credit report with the correct information listed below : Correct Personal Information : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX SSN ( Last 4 Digits ) : XXXX Name to Remove : XXXX XXXX XXXX XXXX are copies of the following documents to support my request : A copy of my government-issued ID ( drivers license or passport ) A recent utility bill or bank statement showing my current address Please conduct an investigation and correct or remove any inaccurate or outdated personal information from my file. I request that you provide written confirmation once these changes have been made.

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