vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
XXXX went out of business and filed bankruptcy before I could even begin treatment. I had just received my treatment plan on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating I no longer had access to XXXX services as they had decided to wind down its operation on XX/XX/XXXX. This violates the original contract I didnt have access to the dentist I was assigned to assist with my treatment or any services like the lifetime smile guarantee. On XX/XX/XXXX I emailed XXXX XXXX XXXX directly in which he stated there was nothing he could do for me as XXXX shut their doors and are no longer in existence. On XX/XX/XXXX I received an email from Healthcare Finance Direct stating I was eligible for a refund and at that point it was understood that I no longer owed the company anything. They were reimbursing what I had already paid due to the company winding down and me not receiving the services that were agreed upon. The services that were agreed upon were not received therefore, the contract was broken on their end and I do not owe this company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
THIS IS NOT A REQUEST FOR ANOTHER DISPUTE TO BE PROCESSED. 

Around XX/XX/2025 I sent in a dispute to Equifax. It was received on or about, XX/XX/2025 and the reinvestigation was completed on or about XX/XX/2025. The confirmation number for the report is XXXX per Equifaxs website. I did not receive the reinvestigation results through mail or email. I called Equifax and on a recorded call the Equifax representative confirmed all the docs were legible and there was no issue with the information i sent in as of XX/XX/2025. I did not receive my reinvestigation results from this request. I pulled my credit report again and saw that the information was not updated that i disputed. I sent in another request for reinvestigation on or about XX/XX/2025. The second dispute was initiated on XX/XX/2025 and completed on XX/XX/2025 with the confirmation number of XXXX per Equifax 's website. On XX/XX/2025 i pulled my credit report again and the information i disputed was still not updated or corrected. I call Equifax on XX/XX/2025 and on a recorded call the Equifax representative stated that the accounts were reporting as accurate and the reinvestigation results were mailed on XX/XX/XXXX for both disputes from XX/XX/2025 and XX/XX/2025. It is XX/XX/2025 and I have not received either results from the reinvestigations that i requested. Please provide the reinvestigation results from both disputes listed. 

AGAIN, THIS IS NOT A REQUEST FOR ANOTHER DISPUTE TO BE PROCESSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: OK

Complaint narrative:
I am filing this formal complaint against Equifax for its failure to respond to a dispute letter I mailed on XX/XX/year>, concerning several inaccurate and questionable items appearing on my credit report. This non-response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Disputed Items on My Equifax Credit Report : Negative Accounts : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Information ( Not Provided by Equifax ) : In my dispute letter, I clearly requested that Equifax provide the following verification details within 15 days : The Date You Contacted the Creditor : The specific date on which Equifax reached out to the furnisher of the disputed information. 


Creditors Contact Information : Full business name, address, and phone number of each creditor contacted. 


Name of the Person Who Verified the Item : The full name of the individual at the creditors end who confirmed the account information. 


Verification Method : The method Equifax used to verify the disputed data ( e.g., phone call, email, letter ). 


Verification of Personal Identifiers : Confirmation on whether the creditor provided my Social Security number, address, and date of birth during the verification process. 
To ensure Equifax could verify my identity, I included : A copy of my drivers license A copy of my Social Security card A recent proof of address Violation of FCRA Despite receiving all required documentation, Equifax has failed to respond to my dispute in any wayno acknowledgment, no results of reinvestigation, and no explanation. 
Under Section 611 of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency must conduct a reasonable reinvestigation within 30 days ( or 45 days in some cases ) of receiving a consumer dispute. Equifaxs failure to investigate or respond at all constitutes a clear violation of the FCRA and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I have credit protection services on my account with Destiny credit card. I opened up a benefit request back in XXXX. On XX/XX/year> I supplied all important docs they needed to process my benefit payment well here it is XX/XX/XXXX and no benefit payment has been issued from them. I have a payment due from XXXX and a payment due on tomorrow. I talked to credit protection department and a manager stated he will send request up for higher up to see if they can expedite the benefit payment for XXXX and my payment due tomorrow. But Im afraid Im going to get another late fee and get a late remark on my credit report due to them not issuing my benefit payment. I have provided every document I needed to process the benefit payment. Someone in that department has not been doing their job!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed a XXXX account with Equifax because it is being reported as Paid charge-off and Paid less than full balance. This account was settled in XXXX  with a collection agency for less than the full amount. 

On my XXXX  report, it is correctly reported as Settled less than full balance and Paid profit and loss. I provided a screenshot of this during my Equifax dispute. 

Equifax responded that the item was reported correctly but did not update the status remarks or align them with XXXX. Instead, they updated unrelated historical payment data. 

I am requesting that Equifax either update the account to reflect the accurate settled status or remove the derogatory charge-off language, which is unnecessarily damaging and inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NJ

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 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. This fraudulent, inaccurate, and false information consists of a collections account opened on XX/XX/year> balance of {$580.00} that appears to be related to the aforementioned personal account opened at XXXX XXXX XXXX I do not recognize the aforementioned account and collections as reported. The aforementioned accounts, collections, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hair inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes to TransUnion regarding inaccurate and unverifiable information on my consumer credit report. Despite providing clear evidence and sufficient detail in support of these disputes, TransUnion has repeatedly failed to conduct proper and reasonable investigations as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Each time Ive submitted a dispute, TransUnion has returned vague or generic responses, claiming the information was verified as accurate, without providing any actual documentation or proof. TransUnion has not demonstrated that a reasonable investigation was conducted, nor have they contacted me to obtain any additional information relevant to my disputes.

This pattern of dismissive responses and lack of transparency clearly violates the FCRAs requirements, including : The obligation to conduct a reasonable reinvestigation upon receiving a consumers dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ) ; The duty to delete or modify information that can not be verified within the time frame allowed ( 15 U.S.C. 1681i ( a ) ( 5 ) ) ; The requirement to provide a clear notice of the reinvestigation results ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

TransUnions ongoing failure to properly handle my disputes has caused continued harm to my credit standing and is a direct violation of my consumer rights under federal 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
XXXX XXXX XXXX written off to be paid on XXXX season closed account reporting as accurate and late. {$5600.00} XXXXXXXX XXXX XXXX XXXX I did not finish school I should not be held responsible multiple balances. Also my job pays for school so. 
XXXX XXXX reporting late payment for over XXXX days balance on report is {$2000.00} balance on my account is {$1000.00} and CURRENT.

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 2025-08-07 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: AL

Complaint narrative:
XXXX XXXX XXXX written off to be paid on XXXX season closed account reporting as accurate and late. {$5600.00} XXXXXXXX XXXX XXXX XXXX I did not finish school I should not be held responsible multiple balances. Also my job pays for school so. 
XXXX XXXX reporting late payment for over XXXX days balance on report is {$2000.00} balance on my account is {$1000.00} and CURRENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several accounts currently being reported under my name. I did not authorize, open, or manage these accounts, and they represent inaccurate and misleading information about my financial history. 

These unauthorized accounts are deeply concerning and must be investigated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They don't want to remove the negative marks after i explain the situation several times

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 2025-08-06 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: NY

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 )

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 2025-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: OH

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. In early XXXX, I relocated to XXXX  and contacted XXXX XXXX XXXX twice to ask how to properly transfer my vehicle registration. I specifically asked if I would owe any new fees or taxes and was told no additional tax would be due, and that I could proceed through the XXXX  XXXX. 

I followed their instructions, but due to their inaccurate guidance, I was unable to complete my registration in time, had to repeatedly obtain temporary tags, and have now been told I owe {$850.00} in XXXX  sales/use tax. This unexpected charge is a direct result of the misinformation I was given and the company 's failure to inform me of important tax obligations when moving to a new state. 

My lease documents do not clearly state this potential liability, nor did the company make any effort to notify me that I would owe this tax. I have made every effort to resolve this with XXXX XXXX XXXX, including contacting them and filing a complaint with the XXXX  Attorney General. I am now requesting CFPB support in holding them accountable for this financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Complaint to CFPB Regarding Inaccurate Credit Reporting Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX To Whom It May Concern, I am writing to formally escalate a complaint regarding Equifaxs continued reporting of inaccurate and unverifiable tradelines. Despite repeated disputes and written communication to Equifax, they have failed to remove the following accounts that are no longer owned by the original furnishers : 1. XXXX XXXX Opened XX/XX/XXXX Closed. {$1800.00} written off. 
XXXX. XXXX XXXX Opened XX/XX/XXXX {$9000.00} past due. Charged off. 
XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$22000.00} written off. 
XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$3200.00} written off. 

Each of these accounts has been sold to XXXX XXXX, XXXX, who has confirmed in writing that they do not furnish tradelines to Equifax or any consumer reporting agency. 
Therefore, it is impossible for them to verify the accuracy of the data as required under 15 U.S.C. 1681e ( b ).

Under the Fair Credit Reporting Act, if an account can not be verified with the current creditor, it must be removed. Equifaxs response claims the items were 'verified and updated ' or 'updated, ' despite my submission of documentation directly from the current debt owner disavowing any reporting activity.

This repeated failure to investigate and correct inaccurate information has now harmed my ability to secure financing, and I intend to pursue legal remedies if this matter is not resolved immediately.

I am requesting that the CFPB investigate this matter and require the agency to comply with its duties under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief