vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MN

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 2025-04-29 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: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
On XX/XX/2023, I visited the XXXX XXXX in XXXX, XXXX, and made an initial payment of {$250.00} using my XXXX XXXX credit card for a treatment package involving clear aligners, which was supposed to be accompanied by 12 months of remote support. 

On XX/XX/XXXX, XXXX receiving any alignersI paid the remaining balance of {$2000.00} using my XXXX credit card, fully covering the treatment cost. Unfortunately, I was unaware that XXXX was going out of business that same month. Soon after, I lost all contact with the company. Their offices closed, phone lines were disconnected, and my treatment package was never delivered. 

I disputed the charges with both credit card issuers and received a resolution in my favor. 

However, I recently discovered that a company called Healthcare Finance Direct ( HFD ) has been charging me {$88.00} monthlytotaling approximately {$1000.00} over the past yearwithout my knowledge or consent. I never agreed to any financing arrangement. I paid XXXX directly and in full. 

Upon discovering the charges, I immediately contacted HFD. Despite multiple phone calls and emails over several months, they have continued to provide conflicting updates. Sometimes Im told that my case has been escalated and is under review ; other times, they say its resolved and awaiting a refund. But no refund has been issued, and I continue to receive no clear or consistent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX"I am writing to dispute a debt reported to my credit report by XXXX XXXX XXXX XXXX reference account XXXX XXXX XXXX XXXX XXXX I sent a certified written demand  letter tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute  requesting validation of this debt. Pursuant to  XXXX Notice for validation of debtsXXXX  I also request the credit bureaus XXXX XXXX and Experian remove this debt from my credit reports, however they have not properly investigated, provided any proof or documentation validating that i am the party responsible for this debt. XXXXPursuant to XXXX XXXX XXXX XXXX XXXX  furnishers must report accurate information under XXXX XXXX XXXXXXXX XXXX The credit bureaus must perform a reasonable investigation within 30 days, neither of them have provided  sufficient evidence to support the debt reported. They have disregarded my request and continue to report this debt on my credit report which is inaccurate and not properly verified.  I have not yet to receive a satisfactory resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has responded to my debt validation demand letter challenging my lawful request for debt validation that they have reported to the credit bureaus  failing to forward all relevant information, failing to provide adequate or accurate  documentation and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in reported on my credit report related to the debt they claim I owe to them. Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods.XXXXDespite my request, they have failed to provide me with the name and address of the original creditor, account number, or proof of the debt's existence pursuant to XXXX XXXX XXXX XXXX XXXX XXXX FDCPAXXXXUnfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking and economic system."

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 2025-04-29 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-04-29 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: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 provided is not accurate and complete.

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 2025-04-29 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: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 provided is not accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-29 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number unavailable Collection account opened at XXXX XXXX on account number 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 XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number unavailable Collection account opened at XXXX XXXX on account number 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 XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that I do not recognize and did not authorize. After reviewing my credit file, I noticed the following inquiries which were not initiated by me. I am concerned that these may have been made without my consent, and I respectfully request that these inquiries be investigated and removed from my report. These unauthorized hard inquiries are negatively affecting my credit score, and I would appreciate your prompt attention in resolving this matter. 

Unauthorized Hard Inquiries to Dispute : XX/XX/year> XXXX XXXX XXXX ( TransUnion ) XXXX XXXX ( TransUnion ) XXXX XXXX ( TransUnion ) XX/XX/year> XXXX ( TransUnion ) XXXXXXXX XXXX ( TransUnion ) XX/XX/year> XXXX ( TransUnion ) XXXX ( TransUnion ) XXXX XXXX  ( TransUnion ) XXXX XXXX XXXX TransUnion ) XXXX ( TransUnion ) XX/XX/year> XXXX ( TransUnion ) XX/XX/year>XXXX XXXX XXXX ( TransUnion ) XXXX ( TransUnion ) XXXX XXXX ( TransUnion ) XXXX ( TransUnion )

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 2025-04-29 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: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
Despite multiple disputes, Equifax falsely claims that XXXX XXXX XXXX XXXX not reporting on my credit report. This is a material misrepresentation. As of today, the XXXX XXXX account still appears and continues to impact my credit score, which dropped over 100 points. Under FCRA 1681c-2, Equifax was required to block the account upon receipt of my FTC Identity Theft Report, Police Report, and supporting documentation all of which they received and acknowledged. Further, under FCRA 1681i ( a ) ( 5 ), any reinsertion of a previously deleted or blocked item requires notice within XXXX business days which Equifax failed to provide. Equifaxs actions show willful noncompliance, bad faith obstruction, and deliberate harm to my credit file. Their internal investigation findings are provably false, and I demand immediate correction.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am a small business owner who obtained a Capital One business charge card. After several months of timely payments, my business experienced financial hardship. I proactively contacted Capital One and requested to freeze the account and proposed to repay the balance in four equal installments. Capital One refused to accept any partial payments or offer hardship assistance, and ultimately closed and charged off the account. 

Following the charge-off, Capital One retained a law firm to pursue legal action against me for the full balance. In an effort to resolve the matter, I entered into a formal settlement agreement with the law firm on Capital Ones behalf. I made several monthly payments under that agreement. 

Unfortunately, due to the charge-off being reported on my credit file, I was unable to secure working capital, and my business experienced further hardship. I contacted the law firm personally and through legal counsel multiple times to request a renegotiation or hardship accommodation per the agreement terms. They never responded. 

Despite my good faith efforts to resolve the issue, the law firm proceeded to seek a judgment and initiated garnishment actions against my business bank accounts. 

I believe Capital One acted in bad faith by refusing to work with me when I initially requested help, and through its agents, failed to respond to my post-settlement hardship request before resorting to aggressive legal enforcement. These actions have severely impacted my credit and business operations. 

I am requesting an investigation into Capital Ones handling of the hardship request, the refusal to accept reasonable payment terms, and the role its legal representative played in denying communication and proceeding with garnishment despite the existence of a settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXXXXXX XXXX XXXX XXXX, which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXXXXXX XXXX XXXX XXXX, which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief