vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting fraudulent inquiers found in my credit report. XXXXXXXX XXXX XXXX XXXXXXXX Pleace remove

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 2025-06-26 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( FCBA ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
These accounts have been reported under my name without my knowledge, consent, or any involvement on my part. I have never opened, authorized, or managed these accounts. Their presence on my credit report is entirely unacceptable and constitutes a serious and harmful inaccuracy in my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
XXXX has been contacting me about a dad that supposedly owed to them, but I never signed a contract with them nor did it original credit application with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I requested my LexisNexis consumer report and discovered multiple inaccuracies, including duplicate accounts, incorrect names, incorrect drivers license information, inaccurate insurance claims, and public records that are outdated or incorrect. Specifically, my XXXX XXXX bankruptcy is listed as active when it was dismissednot dischargedand should not appear. These errors are causing serious harm to my ability to secure housing, transportation, and credit. I submitted a dispute, but I need this corrected urgently due to the significant negative impact this false information is having on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Summary of Events Regarding XXXX XXXX XXXX and Subsequent Debt Collection I entered into a treatment agreement with XXXX XXXX XXXX in XX/XX/year> for remote dental aligners. Despite following all instructions, returning multiple impression kits, and repeatedly communicating fitment issues, the company never delivered a proper or complete treatment. In XX/XX/year>, XXXX XXXX XXXX filed for bankruptcy and ceased operations, leaving my treatment incomplete and communication channels shut down. 

Following their bankruptcy, Healthcare Finance Direct ( HFD ) who had been managing the payment plantook over the debt. I disputed the charges multiple times with HFD, requesting documentation confirming that I still owed the debt and asking for proof of services rendered. I never received any validation or supporting documents from HFD. Despite this, I continued to pay them under protest while pursuing the dispute. 

Ultimately, I filed a chargeback with my credit card company for fraud due to non-delivery of services as promised in the contract. My credit card company ruled in my favor after reviewing the documentation. 

I also filed multiple refund requests with XXXX XXXX XXXX and HFD, none of which received any response.

HFD never addressed or responded to the formal disputes I filed through my bank. Instead, they continued to contact me directly for payment. Eventually, they transferred the alleged debt to XXXX, a collections agency. 

XXXX sent only one email regarding the debt. When I contacted them, they statedvia phonethat I could not dispute the debt and threatened that if I didnt pay, it would be reported to credit bureaus, negatively impacting my credit. 

I have since sent a formal dispute letter to XXXX ( attached ), again requesting full debt validation and that all collection activity cease. They have not responded. 

At this point, I am requesting legal support to ensure the following : Cancellation of all collection efforts by Healthcare Finance Direct and XXXX. 
XXXX of any credit reporting related to this illegitimate debt. 
Validation of my right to dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am prepared to provide all supporting documentation, including emails, tracking confirmations, dispute records, and communications with all involved parties. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
These accounts have been reported under my name without my knowledge, consent, or any involvement on my part. I have never opened, authorized, or managed these accounts. Their presence on my credit report is entirely unacceptable and constitutes a serious and harmful inaccuracy in my financial records.

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 2025-06-26 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:
To Whom It May Concern, I am submitting this formal complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by all three major consumer reporting agencies-Equifax, Experian, and TransUnion-as well as their failure to properly handle disputes regarding inaccurate and fraudulent information on my credit file. 
I have submitted multiple disputes via certified mail. These disputes included copies of my government-issued ID, a recent utility bill, and a notarized identity theft affidavit and my social security card. Despite this, the following bureaus are failing to comply with the FCRA in the following ways : - TRANSUNION - - TransUnion removed two inaccurate accounts after a dispute was submitted.

- However, false names and addresses are still reporting on my file. 
- An identity theft-related XXXX XXXX XXXX, XXXX XXXX XXXX confirmed by XXXX as fraudulently associated with me . 
- TransUnion verified accounts that are inaccurate, without conducting proper investigation or providing method of verification. 
- EXPERIAN - XXXX Experian has not sent any formal communication regarding my disputes. 
- I had to log into the Experian app to view updates, and accounts remained marked as verified without documentation or explanation. 
- False addresses and names still appear, and a {$99.00} collection from XXXX XXXX XXXX remains, which has already been deleted by TransUnion. 
- EQUIFAX - XXXX Equifax received both Round 1 and Round 2 disputes ( sent certified ) with full ID documentation. 
- Equifax responded with a generic identity mismatch letter, despite the fact that my identity verification was complete and matched exactly. 
- No reinvestigation occurred within 30 days, violating FCRA 611.

- Equifax continues reporting false information tied to identity theft, including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( {$99.00} collection, deleted by TU ) - XXXX XXXX XXXX XXXX XXXX ( {$250.00} ) - The NJ address ( XXXX XXXX XXXX, XXXX NJ ) is still on file, despite confirmation of identity theft. 
- No proof of contract, signature, or billing statements were provided for the disputed accounts. 
REQUESTED ACTIONS : 1. Permanent deletion of the above accounts from all credit bureaus.

2. Removal of all inaccurate personal information ( false names, addresses, mixed identity data ).

3. Written confirmation of reinvestigation outcomes and deletions.

4. Full compliance with FCRA 611, 607 ( b ), and 623 ( b ). 
I am prepared to escalate this matter to the FTC, Florida Attorney General, and pursue civil remedies under 15 U.S.C. 1681n and 1681o for damages resulting from these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
To Whom It May Concern, I am submitting this formal complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by all three major consumer reporting agencies-Equifax, Experian, and TransUnion-as well as their failure to properly handle disputes regarding inaccurate and fraudulent information on my credit file. 
I have submitted multiple disputes via certified mail. These disputes included copies of my government-issued ID, a recent utility bill, and a notarized identity theft affidavit and my social security card. Despite this, the following bureaus are failing to comply with the FCRA in the following ways : - TRANSUNION - - TransUnion removed two inaccurate accounts after a dispute was submitted.

- However, false names and addresses are still reporting on my file. 
- An identity theft-related XXXX XXXX XXXX, XXXX XXXX XXXX confirmed by XXXX as fraudulently associated with me . 
- TransUnion verified accounts that are inaccurate, without conducting proper investigation or providing method of verification. 
- EXPERIAN - XXXX Experian has not sent any formal communication regarding my disputes. 
- I had to log into the Experian app to view updates, and accounts remained marked as verified without documentation or explanation. 
- False addresses and names still appear, and a {$99.00} collection from XXXX XXXX XXXX remains, which has already been deleted by TransUnion. 
- EQUIFAX - XXXX Equifax received both Round 1 and Round 2 disputes ( sent certified ) with full ID documentation. 
- Equifax responded with a generic identity mismatch letter, despite the fact that my identity verification was complete and matched exactly. 
- No reinvestigation occurred within 30 days, violating FCRA 611.

- Equifax continues reporting false information tied to identity theft, including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( {$99.00} collection, deleted by TU ) - XXXX XXXX XXXX XXXX XXXX ( {$250.00} ) - The NJ address ( XXXX XXXX XXXX, XXXX NJ ) is still on file, despite confirmation of identity theft. 
- No proof of contract, signature, or billing statements were provided for the disputed accounts. 
REQUESTED ACTIONS : 1. Permanent deletion of the above accounts from all credit bureaus.

2. Removal of all inaccurate personal information ( false names, addresses, mixed identity data ).

3. Written confirmation of reinvestigation outcomes and deletions.

4. Full compliance with FCRA 611, 607 ( b ), and 623 ( b ). 
I am prepared to escalate this matter to the FTC, Florida Attorney General, and pursue civil remedies under 15 U.S.C. 1681n and 1681o for damages resulting from these violations.

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 2025-06-26 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I am disputing the reported balance and post-loss handling of my vehicle loan with Bridgecrest Acceptance Corporation. My XXXX XXXX XXXX was deemed a total loss in XX/XX/XXXX. I retained the vehicle and several payments were made by insurance, GAP waiver, XXXX, GPS refund, and personal redemption, totaling over {$17000.00}. 

Despite this, Bridgecrest has continued to report a balance of {$13000.00} and repossessed the vehicle after the account was charged off. I submitted a detailed dispute package on XX/XX/XXXX, including supporting documents and a refund breakdown. 

On XX/XX/XXXX, Bridgecrest sent a generic response stating I still owe the balance but did not provide any account reconciliation, documentation for the XXXX refund, or legal justification for repossession after charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the XXXX credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  : XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the XXXX credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  : XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX 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 2025-06-26 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-06-26 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief