vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX unemployment did a recomputation ion my claim and found me XXXX, they sent XXXX to a XXXX XXXX XXXX. That is who is suppose to issue me my XXXX money. I never received the first card they sent me so I updated the address with XXXX as they direct you to do and the next day I called to order a new card and they told me my money is on hold with the fraud department. Thats all they said. They dont have a phone for that department and I cant speak to anyone in that department I just have to wait until they decide to issue me my government benefits all because I changed my address. I havent used a XXXX  of my money. See attached XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00}

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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) reported an account allegedly purchased from XXXX XXXX  related to an XXXX  XXXX credit card ending in XXXX. PRA claims the account belonged to XXXX XXXX, with a balance of {$440.00} due at the time of purchase on or about XX/XX/year>. They allege notification was sent around XX/XX/year>, and provided documentation to support this. 

However, the consumer ( XXXX XXXX ) disputes any knowledge, ownership, or responsibility for this account. PRA also stated they had no record of a prior dispute or validation request, yet they admitted the account had already been previously disputed through a consumer reporting agencyindicating contradictory information. PRA further states they were not required to validate the debt due to the previous CRA dispute but nonetheless ceased collections and marked the account as disputed. 

Despite ceasing collection efforts and acknowledging a dispute, PRA continues to furnish the account to consumer reporting agencies, causing reputational and financial harm to the consumer. No complete validation or chain of custody has been provided by PRA to establish the accounts legitimacy under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Yesterday XX/XX/year>, I visited the offices of the company XXXX in XXXX, PR ( formerly XXXX XXXX XXXX XXXX ) to request assistance with account # XXXX, which appears as open and past due on TransUnion. I was informed that they could not assist me and that I needed to contact customer service. I contacted customer service and they told me that I only have one active account, which is for the phone I currently have, and that they had no records associated with that account number. I asked if they had an address where I could send a letter to request an investigation, but they said they did not.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for its failure to accurately report information to consumer reporting agencies ( CRAs ), and for providing misleading statements to the CFPB about its prior reporting practices.XXXX  initially failed to report the account in question to CRAs despite having information to furnish. 
XXXX began reporting after XXXX XXXX, claiming they were reporting since XXXX of XXXX. This is false. On XX/XX/XXXX, I spoke to ally and Equifax and they confirmed that XXXX was not reporting. The response letter XXXX provided is demonstrably untrue. I spoke to XXXX Consumer Affairs in XXXX of XXXX and they stated that the matter was out of their hands as they did not have the power to fix the issue. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers must ensure that information is complete and accurate, and must correct any and all errors discovered through investigation. I missed out on XXXX low interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX  broke, so I called XXXX ( I thought ) and told them the problem about my tv. He said that he is sorry for the problem but don't worry we will fix it and give you 30 days free XXXX. He ask me how many tv I had and I told him 4. He said he will have to verified who I am. Some how he got my XXXX  account which my credit card is saved in paypal. He tried to charge 10 different amounts on my Marcus  by Goldman Sachs credit card. Five was immediately was decline. ( Did not hit my account ) They are : XXXX XXXX for {$45.00} XXXX XXXX XXXX for {$6.00} XXXX XXXX for {$100.00} XXXX XXXXXXXX XXXX for {$650.00} XXXX XXXXXXXX XXXX for {$130.00} I have nevered heard of any of these companies. 

The other five was put into pending on my Marcus  by Goldman Sachs credit card. They are : XXXX XXXX for {$190.00} XXXX XXXX for {$190.00} XXXX XXXX XXXX  for {$130.00} XXXX XXXX XXXX for {$650.00} XXXX XXXX XXXX  for {$260.00} I DID NOT AUTHORIZE THES CHARGES! 

I finally hung up the phone from that guy and immediately called Marcus and told them what went on. I ask them not to let the pending charges hit my account but they said it will have to go through but they will reverse the charges. I asked Marcus why you can't decline those 5 pending charges, you already did 5 others and 2 was the same amount and company as the pending. If you decline it once, why did you put it back in pending? They could not give me an answer. So for over a month now, I have called Marcus serveral times and each time they gave me a temporary credit for the amounts but in a few days Marcus alway took the credit away and charged my credit card again. They have done this about 9 times. Marcus told my if I did not do the charges, I will not be charged for it. That is a lie so far. I sent them a letter and a police report from the sheriff department but I doesn't seem to help. Marcus told me that they will get the dispute department to call me but so far no phone calls. That is a lie also. Please help. The total of all charges together is {$1400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-06-25 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
The response from XXXX Hyundai and XXXX fails to address the actual issue. Instead of providing resolution or accountability, they simply reiterated the concerns I originally raisedword for wordwhile misgendering me in the process. 

This only reinforces my belief that my complaint wasnt taken seriously and that my concerns were dismissed rather than investigated. I was never given the opportunity to properly review or understand the documents I was signing, and the dealership acted without transparency. 

Their attempt to shift responsibility and sidestep the core issuethe misrepresented income, rushed paperwork, and failure to apply the refund in a timely mannerreflects a lack of accountability that needs to be addressed at a higher level. 

The dealership submitted inflated income without my review or approval. I was rushed through the paperwork and never had a chance to properly verify what I was signing. 

In the companys response, they simply restated what I had already saidwithout offering a solution, correction, or even acknowledging the misconduct. 

They also misgendered me in their official response, showing a clear failure to treat my complaint seriously. 

The case was closed without any actual accountability from the dealership or XXXX. I am requesting this case be reopened or reevaluated, and for my voice to be heard beyond a corporate script.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
They called multiple times per day XXXX  thru XXXX. If requested for them to stop on multiple occasions. They tell me they have the right to call me as much as they want. They change the last four digits of their phone number every few days and keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XXXX Date : [ Insert Todays Date ] To : Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Formal Dispute and Reinvestigation Request Under FCRA and FTC Guidelines Consumer ID : XXXX Dear Early Warning Consumer Services, I am submitting this formal written dispute under my rights granted by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Federal Trade Commission ( FTC ) Identity Theft Guidelines. 


I am disputing the accuracy, completeness, and classification of the following accounts listed on my Early Warning consumer file. 





Accounts I Have Never Opened or Used ( Fraudulent ) : Bank : XXXX Open Date : XX/XX/XXXX Account # : Not listed Routing # : Not listed Reason : I have never opened or used this account. This is identity theft and must be removed. 


Bank : XXXX Open Date : XX/XX/XXXX Account # : Not listed Routing # : Not listed Reason : I did not authorize or open this account. It is fraudulent and must be removed from my file. 





Account Opened by Me, Then Compromised : Bank : XXXX XXXX XXXX Florida Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Reason : I opened this account, but it was later compromised. I did not authorize the activity that resulted in a Checking Account Fraud classification. I dispute this designation entirely. 





Accounts with Disputed Overdraft or NSF Activity : Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Reason : This account shows return transactions, but they were not the result of fraud or intentional misconduct. I dispute any negative classification. 


Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Reason : This account is marked Dormant or Present. I request clarification on why it appears in my file and dispute any implied negative status. 


Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Reason : This account is marked Overdrawn with numerous NSF items. I dispute the legitimacy of those transactions and request a full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am sending this complaint to CREDIT COLLECTION SERV regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

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 : Account 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 XXXXXX/XX/XXXX Experian

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted XXXX XXXX about amount paid and agreed on and before closed. I let them know the amount reporting was inaccurate and the months reported was inaccurate. Contacted XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to correct reporting accuracy and to send documents of the correct reporting. The Account * ( XXXX ) in the amount of {$9700.00} Account * ( XXXX ) both were contacted regarding the inaccurate 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