vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
I paid off my XXXX XXXX XXXX on XX/XX/XXXX. Kia Finance mailed my Lien Release letter on XX/XX/XXXX and I received it shortly thereafter. However, Kia Finance has not released my title. They claim that they don't have it. However, I have spoken with the XXXX XXXX Department of Motor Vehicles several times and they have confirmed that my car is correctly registered in XXXX XXXX and they can see my title is present in the Electronic Lien Title ( ELT ) system. The XXXX XXXX DMV stated that they have notified Kia Finance that they need to release the title within the system so I can receive it. I have called Kia Finance numerous times with this information and they continuously claim to not have the title in the XXXX system. I have been referred to many different supervisors and none of them are able to assist with releasing my title. The XXXX XXXX DMV says they would be more than happy to speak to Kia Finance and clarify the issue, but Kia Finance refuses to call and speak to them.

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 2025-10-17 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 am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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 - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$640.00XXXX 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 - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$770.00} 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 - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} INQUIRIES : 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 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I had a XXXX account, which btw I still have 3 other account, and the one in question I had to to let them know am moving after 19 years in the same address and most of those years with the same XXXX accountant question, all my payments for all those years were made electronically, direct debit with absolutely, no past due or any Money owed, they said they will turn off service, I asked then about the equipment and they said its very old and I dont need to bring it into the store or mail it out, the equipment stood at the old home, they called me back 2 weeks later and ask for the equipment, I told them that they had said that the equipment is old and I dont need to return, they said there was not record of that conversation, I told them how funny they have record of how to get paid for years and years and years but now they have no record on what they said to me? I said I legally dont have possession of that residence anymore. However, if you want to send somebody there to pick it up. Im pretty sure that its still there, but I legally buy court can not enter that home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was part of the XXXX  data breach of 2025 with a lot of wrong information being put on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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 hereby object to the reporting of accounts that were opened without my consent. Please investigate in detail and expunge them from my profile. Relevant materials are enclosed.

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 2025-10-17 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I asked my Bank Current to investigate on XX/XX/XXXX through XXXX that there were several Duplicate transactions that came out off my account within a minute it takes me several minutes to even clear 1 transaction much less 3 or 4 transactions at the same time. Anywhere from {$4.00} all the way up to {$99.00}. In total I believe {$4.00} to XXXX XXXX that I had just received for the sake off my pickup that was the down payment for me to purchase a newer truck thanks for your help and time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Levinbook Law Firm, P.C.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX. At the time, I had a dental HMO plan with XXXX but did not realize that my dental office had to be officially assigned by the insurance. 

Shortly after the visit, I received communications from the dental office stating I owed {$470.00} because no insurance had been applied. I contacted XXXX, who informed me they could retroactively apply the insurance if they were able to obtain certain information from the dental office. XXXX attempted to contact the office several times but was unable to reach anyone. 

I also tried calling multiple times over the course of a week with no success. I eventually went to the office in person, as the timeframe to apply the insurance was about to expire. When I arrived, the staff informed me that the office was closing permanently and that they were too busy making calls to patients to answer the phone. While I was there, I contacted XXXX and handed my cellphone to the office representative so the two parties could speak directly. They exchanged the necessary information, and I was told the balance and claim were settled. 

A few weeks later, I received a letter from XXXX confirming these events. By that point, the dental office had closed. Despite this, I continued to receive text messages stating I owed {$100.00} for the visit due to insurance not being applied. Believing these to be automated messages sent in errorgiven that XXXX had confirmed paymentI ignored them. 

On XX/XX/XXXX, I received a debt collection letter stating I owed {$100.00} for the full service cost, claiming no insurance payment had been made. I contacted the debt collector, The Levinbook Law Firm P.C., to dispute the charge and request documentation. On XX/XX/XXXX, I received a letter from them that included the original claim denial ( the initial one ) and a ledger that only extended through XX/XX/XXXX, XXXXeven though the approved claim was paid on XX/XX/XXXX. 

I called The Levinbook Law Firm again, but they insisted the dental office had received no payment and refused to investigate further, despite clear evidence showing that the later claim had been approved and paid. They instead provided me with a disconnected phone number for the now-closed dental office. 

That same day, XX/XX/XXXX, I contacted XXXX again. They confirmed that a direct deposit payment was issued to XXXX XXXX XXXX XXXX on XX/XX/XXXX, to cover the balance in full. They also attempted to contact the dental office but were unable to reach anyone. 

The debt has been paid in full. The continued pursuit of this matter by a law firm despite clear proof of payment is unacceptable and demonstrates a lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-17 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ph : XXXX XXXX XXXX XXXX Security credit service XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : DEMAND FOR VALIDATION OF DEBT CEASE ALL COLLECTION ACTIVITY IMMEDIATELY Account # XXXX To Whom It May Concern, This letter serves as a formal demand that you cease and desist all collection activity immediately until you fully validate the alleged debt referenced above. I have received your communication regarding this alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

I do NOT acknowledge this debt.

You have provided zero legitimate evidence that I owe you or any creditor any money. Until and unless you produce the following, your attempts to collect or report this debt are in direct violation of federal law : 1. A signed contract or agreement bearing my signature proving I legally owe this debt, 2. A complete itemized breakdown of the balance, interest, fees, and all other charges, 3. The name and address of the original creditor, 4. Proof of chain of custody ( documentation showing legal transfer or assignment of the debt from the original creditor to your agency ), 5. Proof that your agency is licensed to collect debts in my state, with license number and issuing agency. 

A printout from your internal system is not proof. You are not permitted to attempt collection, report to credit bureaus, or continue any communication until full, proper validation is provided. 



BE ADVISED : Continuing to contact me without validating the debt is a violation of the FDCPA and will result in legal action. 
Reporting unverifiable information to credit bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, and I will treat it as such. 
If I do not receive full validation within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I will also consider legal action for damages resulting from your noncompliance. 

You are now legally on notice. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: TX

Complaint narrative:
Three people in XXXX used XXXX banking transfer to withdraw {$2900.00} from my Wisely ADP account debit Visa card to an account in XXXX. The funds withdrawn was deposited in an account in a bank called XXXX. I sent a copy of one of the transactions made to the Wisely ADP to refund the money back to my account, but they decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Hanwha QCells USA Corp
State: CA

Complaint narrative:
On XX/XX/XXXX a representative from Enfin called and said my payment that was due to come out on autopay on XX/XX/XXXX didn't come out. I said I had it set up, the representative looked it up and said, he saw my checking account and it wasn't linked to autopay, I said that's strange as I set up. So he collected a second payment for XXXX over the phone via my checking account and said he linked my checking account to autopay. The next day XX/XX/XXXX, I look at my payments on line and 2 payments hit against my checking account 1 on XX/XX/XXXX and the one collected on XX/XX/XXXX both for XXXX. I called them and told them that the auto pay DID come out which this representative checked and said, you're right it came out on XX/XX/XXXX ( hit my account on XXXX ). I said I was called on XXXX saying I didn't pay and he collected a SECOND payment. She apologized and said they would reverse second payment. A day later I got email indicating, I had to contact my bank and have them reverse the second payment " since they didn't initiate '' I said you did initiate by calling me and collecting the second payment, BUT I went ahead and had my bank XXXX XXXX  reverse the second XXXX payment. So then today, I get a delinquent notice text to me and text saying auto pay wasn't set up. ( now after they took out XXXX pay and the rep on XXXX said he set up, I get a XXXX request to SET IT UP ). I checked the account on line and they indicate I owe XXXX and I asked why and they said that since the auto pay didn't come out for XXXX that I owed the XXXX ( without auto pay, payment is XXXX vs XXXX ). So I said to this rep today XX/XX/XXXX, that MY PAYMENT DID COME OUT ON XXXX ( AND SHE VERIFIED ) SO IT WAS SET UP AND I DON'T OWE XXXX ). I tell them take that off my account right away and she says she can't do but would put a request in. My credit rating is XXXX and these people are ruining my credit. This lease purchase is for a XXXX XXXX. I have contacted the XXXX company to get Enfin straightened out or come take the solar system off my house. It was just installed and first payment ( BY AUTOPAY ) was made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I contacted the agency on XX/XX/year> to inform them that information on my credit report was inaccurate. The representative took my details and kept saying that on her system it showed that I owed the debt. I requested a validation letter and was told that one would be mailed. Also. I asked for a supervisor and was told that one was not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation