vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
This letter serves as a formal and final follow-up regarding the unauthorized hard inquiry still being reported on my credit file. I have already disputed this matter and provided supporting documentation, including the FTC Identity Theft Report I filed, which confirms that I did not authorize this inquiry.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion regarding a collection account by XXXX XXXX. I never received a written response or dispute outcome, and the entry no longer appears in my TransUnion portal. 

I later contacted TransUnions support team on XX/XX/year>, to request the dispute results and method of verification, including the name and contact information of the furnisher, as required under FCRA 611 ( a ) ( 6 ) and ( 7 ). I was told that TransUnion does not have the option to provide those records. When I cited my rights under the FCRA and requested escalation, the chat session was abruptly ended and I was blocked from replying. I have retained screenshots of this interaction. 

This same account has already been deleted by Experian and is now marked closed on Equifax, pending deletion. TransUnions refusal to verify, failure to provide dispute documentation, and continued reporting of this derogatory account while the other two major credit bureaus have resolved it constitutes incomplete and misleading credit reporting, in violation of 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 2025-05-19 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 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: FL

Complaint narrative:
unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct violation of the FCRA reporting fasely. These are the inquiries : XXXX Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX this Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/year> XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX XXXX  XXXX XXXX under 15 U.S. CODE 1681b permissible purpose of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. 
under 15 U.S CODE 1692j- furnishing certain deceptive forms i am not participating in the collection of this alleged debt. cease and desist ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Account LVNV Funding I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail with a receipt displaying my signature. If not please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical 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: SC

Complaint narrative:
I am submitting this statement in response to a debt collection issue involving SmileDirectClub and XXXX. 

I signed up for treatment with SmileDirectClub in XX/XX/XXXX, seeking orthodontic correction through their aligner program. Unfortunately, as of XXXX, my smile remains uncorrected, and I am left with incomplete treatment, physical discomfort, and unresolved dental issues. 

On XX/XX/XXXX, XXXX filed for Chapter XXXX bankruptcy and ceased operations. This left me with a box of incomplete and ineffective aligners, no access to follow-up care or support, and no path to complete the treatment I was promised. I only have XXXX set of teeth to last me the rest of my life and I was not willing to risk continuing the use of the aligners without proper follow-up care and support. Additionally, SmileDirectClub terminated its Lifetime Smile Guarantee, which was a key part of the original offer and one of the primary reasons I trusted their process. 

Despite their failure to fulfill the terms of our agreement, SmileDirectClub sold the remaining {$750.00} balance of my account to XXXX, which began contacting me in XX/XX/XXXX. I initially ignored the outreach, believing the debt was invalid. However, XXXX has since reported this amount to the credit bureaus, and it is now negatively affecting my credit. 

I have documentation that supports my claim, including evidence that SmileDirectClub shut down operations and explicitly terminated the Lifetime Smile Guarantee. This debt is not legitimate and is based on services not delivered. 

Although XXXX sent me an email on XX/XX/XXXX, stating that I could dispute the debt by XX/XX/XXXX, I do not believe it is fair or lawful that missing that deadline should permanently damage my credit especially when the underlying debt itself is based on services that were never completed. SmileDirectClubs abrupt shutdown left me without the treatment I paid for, making the balance invalid. 

I must've glanced at this email and didn't think anything of it and most of this is caught by my spam filter. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I contacted Portfolio Recovery Associates on XX/XX/year> in good faith to make an offer to clear up the old debt. This is the 3rd time that this company has tried to come after me and I know that they can accept an offer lower than the amount of the bill. I had to pay them out of my unemployment last year to get them off my back on another bill. I contacted them and made an offer and the guy that I was talking to named XXXX just wanted to argue with me and threaten me with legal action. His behavior was unacceptable and I hung the phone up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-19 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 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 2025-05-19 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: DC

Complaint narrative:
I am writing you because I believe my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transunion credit report, does not relate to any transactions that I have ever made or accounts I have opened. I have previously disputed the accounts listed and no investigation was verified. 

XXXX. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number 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 explanation
Consumer complaint received 2025-05-19 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-19 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
On XX/XX/year> I reached out to lendmark to refinance and pay off my loan and I provided them with all the pertinent information in order to get the ball going they took all of my information and when the time came for them to auto draft my account they did not auto draft my account when I reached out I heard nothing from them in the month of XXXX then in XXXX I started getting threatening phone calls from their company along with threatening emails stating that I owe triple the amount of for XXXX payment then they started reporting my information to the XXXX credit bureaus they also started contacting my references on my application to contact them violating my privacy and not providing anything and writing or mailing me anything far as documentation in regards to the refinance All I got was information that the account was satisfied and paid in which I provided please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Reinserted Accounts and Improper Investigation Violation of FCRA 1. Accuracy : 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) ( a ) 2. Verification : 15 U.S.C 1681i ( 7 ) 3 Permissible Purpose : 15 U.S.C 1681b 4 : Reinsertion of Deleted item : 15 U.S.C 1681i ( 5 ) ( 6 ) 5 : Responsibilities of Furnish : 15 U.S.C 1681s-2 Dear Experian Dispute Department, I am writing to formally dispute your handling of certain items previously removed from my credit file, and to express serious concern regarding your reinsertion of those items without proper notification, in violation of theFair Credit Reporting Act ( FCRA ). 
Specifically, the accounts listed below were previously deleted following a dispute : XXXX XXXX XXXX XXXX XXXX XXXX These accounts have now reappeared on my credit report without any prior notice or explanation, violatingFCRA Section 611 ( a ) ( 5 ) ( B ), which requires the credit reporting agency to notify the consumer within5 business daysif a deleted item is reinserted, including the name of the party who furnished the information and a statement that the reinsertion can be disputed again. 
Furthermore, I have reason to believe that your previous investigation ( XXXX ) into these accounts were either cursory or entirely inadequate, in breach of your obligations underFCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of an item. 
If a furnisher of information verified these accounts, I request the name, address, and phone number of the entity that verified the information, as required byFCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Please immediately : 1. Delete the reinserted items if they were not revalidated in full compliance with the FCRA.

2. Provide the required notice of reinsertion and details of the data furnisher.

3. Conduct a thorough reinvestigation of the disputed accounts.

4. Provide a full description of your investigation procedures as allowed underFCRA Section 611 ( a ) ( 7 ).

Please consider this letter formal notice that I am documenting all FCRA violations for possible legal action and complaints to theConsumer Financial Protection Bureau ( CFPB ) and myState Attorney Generals office. 
I expect your response and resolution within theXXXXdayperiod required by law. 
Sincerely, 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 2025-05-19 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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