vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX Call at XXXXXXXX XXXX XXXX on XX/XX/year> on a suspicious recorded line claiming to be from Alliance One a so called Financial Services Company seeking to locate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a detailed dispute to Equifax on XX/XX/year>, requesting the deletion of numerous unauthorized inquiries. These inquiries appear on my report despite there being no permissible purpose for them, as outlined in 15 U.S.C. 1681b. I contacted the creditors involved, and none were able to produce a signed application, written consent, or any documentation establishing lawful access. 

Equifax has not complied with its legal obligations under the FCRA or Regulation V ( XXXX XXXX XXXXXXXX ). I requested a manual investigation, referencing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the 2025 CFPB enforcement action against Equifax. Equifaxs continued reporting of these inquiries despite lacking verification represents a negligent and willful violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AL

Complaint narrative:
I am filing this complaint because an inaccurate and fraudulent account was reported to all three credit bureaus. I submitted an FTC Identity Theft Report, valid identification, and a formal request for the account to be blocked under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

According to federal law, credit bureaus are required to block the disputed account within four business days of receiving this documentation. Equifax has already complied and removed the account due to inaccuracy. However, Experian and TransUnion have failed to do so, despite receiving the same documentation package. 

On XX/XX/year>, I spoke with an Experian representative named XXXX, who explained that when an account is disputed, Experian contacts the data furnisher in this case, XXXX. XXXX stated that XXXX merely responded that the account belongs to me, yet provided no evidence or supporting documentation. This suggests that Experian is not conducting a proper reinvestigation under FCRA Section 611, which requires a reasonable investigation of disputed information. Merely accepting a one-line response from the creditor with no supporting proof is not compliant with federal law.

This further shows that Experian has failed to uphold its legal obligations under both Section 605B and Section 611 of the FCRA. Therefore, I am requesting the following : That Experian and TransUnion immediately block the disputed account within four business days, in compliance with FCRA Section 605B That the item remain blocked unless or until the furnisher XXXX XXXX XXXX provides verifiable and sufficient supporting documentation That an investigation be opened into Experians dispute practices, which appear to disregard proper verification procedures and consumer protection laws Their ongoing reporting of this inaccurate, disputed, and unverified account is causing financial harm, and I am requesting the Consumer Financial Protection Bureaus assistance in resolving this matter immediately.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Experian regarding multiple unauthorized hard inquiries reported on my credit file. These inquiries were not initiated by me, and I never gave consent for them to be made. The furnishers of these inquiries failed to provide any legal basis, signed authorization, or documentation showing a permissible purpose as required by 15 U.S.C. 1681b. 

My letter demanded a manual reinvestigation in accordance with XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I cited the CFPBs XXXX action against Experian for reliance on EOSCAR and demanded compliance with 12 C.F.R. 1022.43. To date, Experian has failed to provide a satisfactory or verifiable response, violating my rights under the FCRA.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required by 15 u.s.c 1682g despite this they added a collection to my credit report this agency is using deceptive lying tactics I already tried to resolve this issue with them but they continue to violate my rights I'm entitled to a XXXX dollars they must either compensate me or either remove this from my credit report. Account number XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-16 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: MI

Complaint narrative:
I am filing a formal complaint regarding continued inaccurate reporting by Experian on an account from XXXX XXXX, originally opened in XX/XX/XXXX for {$200.00}. The account is paid in full and closed as of XX/XX/XXXX, yet Experian continues to report a single XXXX late payment from XX/XX/XXXX. 

This XXXX delinquency appears without any pattern of prior or subsequent missed payments. It is unsupported, unverified, and structurally inaccurate under XXXX XXXX data reporting standards. Since early XXXX, I have submitted XXXX separate disputes to Experian requesting either verification or removal of the derogatory mark. 

Each time, Experian responded that the furnisher certified the accuracy of the data, but I have never received any actual documentation verifying that a late payment occurred. Key fields required under XXXX XXXX remain missing or incomplete, including : Date of First Delinquency, Payment Rating, Narrative Codes, Balance Update, Monthly Payment, Company Sold, and Original Creditor. 

Additionally, the tradeline lacks the required " Account in Dispute '' flag during ongoing reinvestigation, which violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( c ) ( 3 ).

The reinvestigation process appears to rely solely on automated e-OSCAR confirmations without review of underlying records or billing history, which fails the " reasonable investigation '' requirement under FCRA Section 1681i ( a ). 

I am requesting CFPB assistance to compel Experian to either XXXX ) produce verifiable documentation validating the XX/XX/XXXX delinquency or XXXX ) remove the XXXX late payment as unverifiable and structurally noncompliant under the FCRA and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: MD

Complaint narrative:
I ordered a set of aligners from XXXX XXXX XXXX and began using them as directed. However, after a few weeks, I encountered issuesthe aligners no longer fit properly and needed to be replaced. When I contacted XXXX XXXX XXXX for assistance, I was informed that the company had filed for bankruptcy and could no longer provide support or replacement products. 

At that point, XXXX XXXX XXXX had failed to uphold their end of the agreement by not delivering a functional product or ongoing service. As a result, I reached out to Healthcare Finance Direct ( HFD ), their financing partner, to request a halt in payments and a refund. I had already paid for half of the treatment but was unable to continue due to XXXX XXXX XXXX inability to fulfill their contractual obligations. HFD informed me that my account would be placed under dispute.

Subsequently, I received an email from HFD stating that I might be eligible for a refund if I completed a specific form, which I promptly did. Four months later, I was notified that I would receive a {$150.00} refund, but rather than being returned to me, it would be applied to the remaining balance on my account. 

Now, my account shows as overdueeven though I should not be liable for further payments, given that I never received the promised service or functioning product. Despite repeated calls to HFD and assurances that I should wait to hear back, over five months have passed with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Debt validation letter! 

To whom this may concern. Im writing to inform that a debt by XXXX XXXX on my credit report is recurring when I have proof that this item has been deleted as fraud by Equifax. I noticed its recurring in my credit report by the bureas. Im asking you to remove this immediately as it is a violation of my rights

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 3 fraudulent inquiry 's. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX has sent auto generated generic responses to my timely issue. I was severely affected by Equifax data breach and submitted all necessary documents to receive my settlement. I was told my phone reps and email that I was mailed or emailed information as to an incomplete case. This is not true, I never received anything. I asked for proof and was given run around responses. They do not answer the phone on their site, they do not have mailing address, and the hotline does not have supervisor ever available. I believe they are acting facetious and in bad faith. 

Attached to this is -certified mail -demand letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Several credit card companies are recording debt as charged off but have not given me a 1099c. I did not sign a contract with any collection agencies. Im basically requesting a formal investigation into reporting and validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-16 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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