vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: FL

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 XXXX business days of you receiving this complaint. 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. A 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 2025-08-19 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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 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 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 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

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 2025-08-19 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: FL

Complaint narrative:
I do not recognize this account from XXXX. I never applied for, opened, or authorized a credit card with this store. The account appearing on my credit report is not mine. I first noticed this on XX/XX/year> XXXX when reviewing my credit file. The balance being reported is {$980.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In order to get the work number report, you go through an XXXX XXXX. If your employer is not in the XXXX database, then you have to call the helpline. The helpline is ONLY a robot. With this robot, you have to reveal extemely personal details in which the robot will not even record properly. Emailing also does not work. You can't get a secure email line when requesting your report via the request document, which also reveals your social security number. There is NO WAY to get your information. All customer support from other departments, even for the Equifax XXXX XXXX XXXX XXXX helpline, will not help you. 

In addition, I tried calling the other options ( ie : dispute data request, identify theft ) and still its only a robot that helps you. 

Their process is a violation of the ADA, and since they hold government data, a violation of Section 508. Lastly, this is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We needed to make a purchase of a major appliance through a local small business. They recommended contacting Synchrony Bank in CT as the business uses that bank for all of it's customers that need ( promotional ) financing. I was initially denied as an individual seeking credit. We resubmitted, requesting a joint account and were again denied. No further information was provided, despite my persistence and objections. I have been advised a letter of explanation will be sent. 

Neither of us has ever been denied credit, individually or joint during the time we have been married ( 33 years ). Each of our credit scores are above XXXX. Knowing we have limited outstanding debts, in conjunction with our high credit scores, I attribute this directly to our age as applicants, i, e., denial by age discrimination. 

I am requesting a formal investigation in this matter as soon as possible.

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 2025-08-19 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: FL

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 XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX 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 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 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 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 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

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 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XXXX and XX/XX/year>, I submitted formal disputes to TransUnion under FCRA XXXX XXXX ( 15 U.S.C. 1681c-2 ) and provided my official FTC Identity Theft Reports ( # XXXX and # XXXX ). I clearly identified the fraudulent accounts ( XXXX XXXX XXXXXXXX and XXXX XXXXXXXX ) and formally requested blocking. 

By law, TransUnion was required to block this information within XXXX ( XXXX ) business days. Instead, more than 30 days have passed and the accounts remain on my credit file. TransUnion did not provide any written certification, signed contract, or verification procedures as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

This is a direct violation of FCRA 605B, 611, and 607 ( b ). The law is mandatory, not optional. Keeping unverifiable and unauthorized accounts on my report is causing continuous harm : my credit score remains artificially low, I have been denied for credit, I am forced to pay higher interest rates, I was denied housing, and even my job opportunities are at risk. 

I complied with every legal requirement. TransUnion failed to comply with federal law. I am requesting the CFPBs help to hold them accountable and enforce my rights under 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 2025-08-19 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: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
The collection agency is violating my consumer rights and damaging credit by using false misleading misrepresentation. This account is inaccurate. This company is violating my right Under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Seventh Avenue is alleging that I owe a debt that I don not owe. Debt was opened under identity theft that was filed with the Federal Trade Commission Acct # XXXX. I have no knowledge of this debt other than been on my credit report. I tried to file a police report and was told that the statute of limitations on filing the report had eclipsed and I wasnt able to file it. 


To Whom It May Concern, I am writing in response about my previous dispute about a debt in which you claim I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

I respectfully request validation of the alleged debt, including but not limited to : XXXX. The amount of the alleged debt, including an itemized accounting of all fees, interest, and charges. 
2. The name of the original creditor, along with a copy of the original signed agreement or contract showing I am legally obligated.

3. Documentation that you are authorized to collect this debt, including a copy of any assignment, transfer, or purchase agreement.

4. A copy of the judgment ( if applicable ).

5. The date of last payment or activity on this account.

6. Proof that the statute of limitations has not expired for collection of this debt.

Be advised that until you provide the requested documentation, you must cease all collection activity and not report or continue reporting this debt to any credit reporting agencies, as doing so without proper validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you can not provide proper verification, you must immediately : Cease collection activity on this account. 
Remove any reporting of this account from my credit reports. 
Confirm in writing that this matter is closed. 

Please note this letter is a request for information only and is not to be construed as an acknowledgment of the validity of the alleged debt. 

Please cease and desist with collection of this debt not owed to you and please notify XXXX  as they are the one who are reporting this false info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, i APPLIED FOR AND WAS APPROVED FOR A CITI BANK XXXX XXXXXXXX XXXX XXXX CARD, ENDING IN XXXX .. AT THE TIME OF MY APPROVAL, I WAS PROMISE XXXX ADVANTAGE MILES WITHOUT STIPULATION, NOR WAS I INFORMED THAT I HAD TO MAKE CERTAIN AMOUNT IN PURCHASES WITHIN A LIMITED TIME TO RECEIVE THE BONUS. I CONTACTED CITI BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON OR AROUND XX/XX/XXXX, SPOKE TO A REPRESENTATIVE, WHO DID NOT WANT TO HONOR THE PROMOTION, I WAS AWARDED XXXX MILES, POINT. AGAIN I CALLED AND SPOKE TO A SUPERVISOR XXXX, ON OR ABOUT THE XXXX OF XXXX, WHO DID NOT HONOR THE PROMOTION.

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 2025-08-19 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: IL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft. This unresolved issue is causing ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Credit Acceptance Vehicle Repossession / Post-Sale Accounting I am filing regarding Credit Acceptances repossession and sale of my vehicle XXXX XXXX XXXX XXXX after my XXXX  XXXX bankruptcy discharge in XX/XX/XXXX, Case No. XXXX, in the U.S. Bankruptcy Court , XXXX XXXX of Missouri. This is a violation of federal bankruptcy law ( XXXX XXXX. XXXX ( a ) ). 
I never received a post-sale accounting showing sale price, allocation of proceeds, or any claimed deficiency, as required under Missouri UCC 9-614. Their failure to provide this prevents me from verifying proper handling of my property and may constitute additional legal violations.

I request : 1 ) Immediate post-sale accounting, 2 ) Acknowledgment that no collection will be attempted on the discharged debt in the future, and 3 ) Monetary settlement of {$7500.00} for violations of UCC 9-614 and federal bankruptcy 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 2025-08-19 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: FL

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. 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. A 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 2025-08-19 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-19 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: FL

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

I am filing a complaint regarding an invalid debt collection tied to XXXX and its payment processor, Healthcare Finance Direct ( HFD ), now being pursued by XXXX. 

In XX/XX/XXXX, I entered into a Retail Installment Contract with XXXX through HFD for a XXXX XXXX  treatment plan that was supposed to include retainers. XXXX filed XXXX XXXX XXXX  in XX/XX/XXXX, ceased operations in XX/XX/XXXX, and liquidated under XXXX XXXX in XX/XX/XXXX. Because of this, my treatment was never completed, and I never received retainers as part of the promised services. 

Despite this, XXXX is pursuing collection activity against me ( Ref # XXXX, Debtor ID : XXXX ) and has reported the account to the credit bureaus. 

This is improper and misleading because XXXX own bankruptcy FAQ ( last updated XX/XX/XXXX ) confirms the following : Customers who never received aligners are not obligated to pay and their balances are canceled. 

Customers whose treatment plans were not completed as of XX/XX/XXXX fall under a Compensation Plan developed with the XXXX XXXX Attorney General, which provides partial or full refunds and cancellation or reduction of remaining balances. 

Since my treatment plan was disrupted and never completed, this collection attempt is invalid. HFD and XXXX are not honoring the terms of the official Compensation Plan, and XXXX reporting of this as a valid debt is damaging my credit. 

Banrupcy info from XXXX XXXX proving my points : XXXX XXXX XXXX

Company response to consumer: Closed with explanation