vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: SC

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting another complaint because XXXX  continues to report negative information about me that is false and causing me serious financial harm. 

Several years ago, I had a checking account with XXXX XXXX XXXX XXXX which was closed a long time ago. I do not owe them any money. Despite this, XXXX  is reporting that I owe Bank of the West, which is not true. 

This false report is preventing me from opening new bank accounts. I believe this may be due to identity theft or an error. 

I have already taken several steps to resolve this issue : I filed an identity theft report. 

I froze all three of my credit bureau accounts ( XXXX XXXX XXXX XXXX ). 

I contacted XXXX  directly and provided evidence that this debt is not valid and requested they remove the record. 

XXXX  refuses to delete the report so far, even after I explained my situation and shared supporting documentation. 

BMO, which acquired XXXX XXXX XXXX XXXX recently sent me a check, indicating they might owe me money not the other way around. This adds to the confusion. 

Additional concerns : Neither XXXX XXXX XXXX XXXX nor BMO ever contacted me to ask me about this alleged debt. Instead, BMO simply sent me a check. I showed this check in my last report. 

I do not understand how they can simply place a negative report about me into XXXX  without ever notifying me, discussing the debt, or providing any explanation. It seems they could just put a piece of paper stating I owe them money, and that is enough to block me from using basic financial services. 

I am a U.S. citizen, and I want the CFPB to investigate how a French-owned bank operating in the U.S. ( XXXX XXXX XXXX XXXX ) could close its operations, sell my information to a XXXX XXXX  ( BMO ), and now this false report is harming me as an American citizen. 

Because of this situation, I can not work normally, deposit checks, or manage my finances to feed my family. This is causing me extreme stress and financial hardship, especially in these difficult times. 

I am requesting the following : XXXX  should fully reinvestigate this matter and delete the inaccurate record from my file. 

XXXX  should provide me written confirmation when the record is corrected or removed. 

CFPB should investigate how XXXX XXXX XXXX XXXXBMO reported this alleged debt without ever contacting me, and how this false report is allowed to stay on XXXX. 

CFPB should also investigate whether it is legal for a French bank leaving the XXXX to sell data about XXXX citizens to a XXXX XXXX, which then results in false reports that harm XXXX consumers like 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 2025-07-01 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company 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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
How can I dispute a collection/charge off on my credit report that is deemed derogatory. The amount is {$800.00} for an XXXX XXXX XXXX phone XXXX I stopped making payments for 2 years ago. I already have a XXXX XXXX  knocked off my credit report. The collection agency is called Radius Global Solutions which is a legit business according to the XXXX  but according to consumers.... not so much. They're rated XXXX star on XXXX. One consumer called them scam artists. Another told a story about how they tried to settle a payment with the but Radius never came through on their end of the deal, fraudulent settlement offers from them too. They're known liars when it comes to settlement offers and they deliberately don't answer phone calls from consumers. XXXX XXXX XXXXXXXX I have never received any documentation regarding this account or have any knowledge of this business. I want this removed immediately and I want to stop collections on me. 

Also I STILL haven't received validation documents from them, as required by the FDCPA : - A copy of the original contract or agreement with XXXX XXXX XXXX bearing my signature. 
- A detailed account statement showing the debt 's origin, including dates and amounts of charges. 
- Proof that Radius Global Solutions LLC is legally authorized to collect this debt on behalf of XXXX XXXX XXXX. 
- Documentation verifying the debt 's chain of assignment from XXXX XXXX XXXX to Radius Global Solutions LLC.

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 2025-07-01 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: LA

Complaint narrative:
A dispute was sent to Equifax to update an account in error. Equifax made an update to my consumer report and called requesting the error be corrected I was told there were no late payments being reported on my consumer report. Equifax made an update to an old account that stated that the date of last activity on the account was XX/XX/XXXX. It also states that the last payment made on the account was XX/XX/XXXX but they updated my account stating that I made a late payment XXXX  months later which was XX/XX/XXXX. I cant make a late payment if the last payment on the account was made XXXX  months prior. I want Equifax to delete this tradeline from my consumer report. It is unfair and inaccurate reporting. I have writtten about this issue several times but Equifax refuses to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am formally disputing the validity of a collection account listed on my credit report. I have never received any verification or documentation proving the legitimacy of this debt, and I do not recognize it as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-07-01 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am writing to formally dispute and request the removal of items from my credit report that resulted from being a victim of XXXX XXXX. Under Section 605C of the Fair Credit Reporting Act ( FCRA ), I have the right to have all information that resulted from a severe form of XXXX in persons removed from my consumer report.Please consider this letter a request to permanently delete any adverse credit information related to accounts or activities that were the result of XXXX. 



I am including the following with this letter : Proof of identity ( e.g., drivers license, utility bill ). 
A statement affirming that I am a victim of XXXX, as defined in the XXXX  Victims XXXX XXXX of XXXX. 
Documentation supporting my claim, which may included : FTC report Letters from social workers, counselors, or legal ACCOUNTS ONLINE INFORMATION SERVICES 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 XXXXXXXX These items were the result of coercion, fraud, or force and are not a reflection of my own credit decisions or actions.

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 2025-07-01 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: CA

Complaint narrative:
I have asked all XXXX credit bureaus to validate these accounts properly with no luck these accounts are not mine and want them removed immediately they are doing me damage for no reason i have asked for this mater to be resolved and no one is doing their job i have been a victim of identity theft and this is ruining my life please help me resolve this issue. first thing first my name has been used incorrectly in all three credit reports, and I would like them to be updated immediately to XXXX XXXX and all other names to be deleted from Equifax, Transunion and Experian. Also, my address needs to be updated, and all other addresses need to be deleted. Accounts that are fraudulent are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I would like these fraudulent accounts removed immediately from Transunion, Equifax and Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I have asked all XXXX credit bureaus to validate these accounts properly with no luck these accounts are not mine and want them removed immediately they are doing me damage for no reason i have asked for this mater to be resolved and no one is doing their job i have been a victim of identity theft and this is ruining my life please help me resolve this issue. first thing first my name has been used incorrectly in all three credit reports, and I would like them to be updated immediately to XXXX XXXX and all other names to be deleted from Equifax, Transunion and Experian. Also, my address needs to be updated, and all other addresses need to be deleted. Accounts that are fraudulent are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I would like these fraudulent accounts removed immediately from Transunion, Equifax and Experian.

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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received an email stating that XXXX offered aligners similar to XXXX, I signed up for the treatment. I paid {$250.00} out of pocket and signed up for the payment plan with the agreement that I would be able to reach out to Smile direct for questions and readjustments for my aligners. Smile direct went bankrupt and Healthcare Finance Direct took over payment. I had used my XXXX card for the payment plan but since the Healthcare Finance Direct didn't, have the information for that card, they charged my credit card for XXXX months of payment at once along with XXXX surcharges for late fees. I called to stop the payments and also to ask why I was getting charged since the aligners I was supposed to be on did not fit properly and I had stopped using them altogether. They didn't provide an answer and just stated that I needed to pay or I would be sent to collections. I filed a complaint with the XXXX XXXX XXXX because it had been XXXX months since I used their product and was still being charged. I received a response that my charges would be placed on hold. Today ( XX/XX/XXXX ), I received an email and a text asking for the last XXXX months of payment, even though they did not fulfill their contractual obligations, yet their financing partners are still demanding payment. Ive tried to dispute the debt but was ignored. I have now had to pay for additional dental treatments since they little bit of treatment they did provide ( about XXXX aligners ) created more problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to formally dispute a collection account that has recently appeared on my credit report. I have no prior knowledge of this account and have never received any communications from the agency or original creditor regarding the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-01 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: UT

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-01 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Complaint : Fraudulent Collection Activity and Credit Reporting by IC System ( Identity Theft Involved ) To Whom It May Concern, I am filing a formal complaint against IC System , Inc. for attempting to collect a fraudulent debt that is not mine and for illegally reporting this false information to the credit bureaus. This is a case of identity theft. 

I recently discovered a collection account reported by IC System on my credit file. I have no knowledge or connection to this alleged debt and have never received services or goods from the original creditor associated with the account. I did not authorize this debt, and I believe my personal information was used fraudulently without my consent. 

This account is inaccurate, fraudulent, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). IC System has not provided any validation or documentation proving this debt is legitimate or belongs to me. Despite this, they have continued to report it to consumer reporting agencies, causing unjustified harm to my credit and financial reputation. 

This is a serious matter involving identity theft, and I demand that the following actions be taken immediately : 1. Permanently delete this fraudulent account from all credit reporting agencies.

2. Cease all collection activity related to this account.

3. Provide written confirmation that this account has been removed and the matter is resolved.

I request that the Consumer Financial Protection Bureau take swift action to ensure IC System complies with all applicable consumer protection laws and halts all attempts to collect or report this fraudulent debt. 

Thank you for your attention and assistance in resolving this urgent issue.

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