vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Under 15 U.S. Code 1692g ( b ) If a debt collector can not validate the debt within 30 days of your dispute, they are required to stop all collection activity, and the account must be removed from your credit report.

Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If the information on your credit report can not be verified, it must be deleted. Credit bureaus can not legally report unverifiable accounts.

Under 15 U.S. Code 1692e ( 8 ) Debt collectors are prohibited from reporting false or misleading information about a debt. Any inaccuracies must be corrected or removed immediately. 

I have no more patience waiting for these companies to fraudulently & illegally try to obtain anything anymore.

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 2025-03-14 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: NJ

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy. Please be reminded, no consent is identity theft. 1. FACTUAL DATA - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CFPB XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX ] Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : [ List Your Addresses ] Credit Report File Number ( if available ) : [ File Number ] Credit Bureaus Involved : [ XXXX, Experian, XXXX ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


Sincerely, 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX ] Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : [ List Your Addresses ] Credit Report File Number ( if available ) : [ File Number ] Credit Bureaus Involved : [ Equifax, XXXX, XXXX ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
CFPB XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX ] Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : [ List Your Addresses ] Credit Report File Number ( if available ) : [ File Number ] Credit Bureaus Involved : [ XXXX, XXXX, TransUnion ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


Sincerely, 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 2025-03-13 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: OH

Complaint narrative:
There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance still have a hold on account from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my accounts on my credit report. Please remove all these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-14 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: VT

Complaint narrative:
Im frustrated by the inaccuracies on my report that are needlessly lowering my scores. These errors have already led to unfair obstacles and higher costs, and I shouldnt have to deal with 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 non-monetary relief
Consumer complaint received 2025-03-14 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent accounts from my credit file. 

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} COLLECTIONS : XXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX LAST 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved issue with a Macy 's charge that is impacting my credit report. I have been a loyal Macy 's customer for over XXXX  years, and I have never had a late payment or any issues with my account. 

I ordered items from Macy 's, but I never received the items. Despite this, I was still charged, and I was not notified about any issues. I received a letter in the mail informing me of this charge, and upon contacting Macy 's, I was told it was an error on their end. Macy 's confirmed that they would reverse the payment and take the charge off my account. However, they failed to remove this from my credit report, which is severely impacting my credit score.

When I reached out to Macy 's for assistance in correcting the matter, I was advised that they could not help further. This situation is preventing me from moving forward with important financial decisions, including purchasing a home. 

I kindly ask that you investigate this issue and assist me in resolving the impact on my credit report. I have always maintained a responsible payment history, and this issue has been caused by a mistake on Macy 's part. I would greatly appreciate your prompt attention to this matter to ensure that my credit score accurately reflects my true creditworthiness. 

Thank you for your time and assistance.

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 monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved issue with a Macy 's charge that is impacting my credit report. I have been a loyal Macy 's customer for over XXXX  years, and I have never had a late payment or any issues with my account. 

I ordered items from Macy 's, but I never received the items. Despite this, I was still charged, and I was not notified about any issues. I received a letter in the mail informing me of this charge, and upon contacting Macy 's, I was told it was an error on their end. Macy 's confirmed that they would reverse the payment and take the charge off my account. However, they failed to remove this from my credit report, which is severely impacting my credit score. 

When I reached out to Macy 's for assistance in correcting the matter, I was advised that they could not help further. This situation is preventing me from moving forward with important financial decisions, including purchasing a home. 

I kindly ask that you investigate this issue and assist me in resolving the impact on my credit report. I have always maintained a responsible payment history, and this issue has been caused by a mistake on Macy 's part. I would greatly appreciate your prompt attention to this matter to ensure that my credit score accurately reflects my true creditworthiness. 

Thank you for your time and assistance.

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 monetary relief
Consumer complaint received 2025-03-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello. 

I booked for room at XXXX XXXX through XXXX for {$480.00} ( XX/XX/XXXX ) Booking was DENIED and REJECTED by Citi XXXX. 
I called Citi XXXX to unlock Citi XXXX XXXX. 
I was told I could use it for new booking. 
I had to book for room at XXXX XXXX through XXXX for {$480.00} ( XX/XX/XXXX ) I am disputing billing for XXXX for {$480.00} because booking was DENIED and REJECTED by Citi XXXX, which required me to book again with XXXX. 

Citi XXXX is unwilling to accept that the problem lies with Citi XXXX 's process and procedures as per letter dated XX/XX/2025 Case ID = 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 monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I XXXX XXXX have filed an Identity theft report regarding this fraudulent account remove this from my credit report| asked for my signature which resulted in this claim against me nothing. The document that they sent to this address still does not identity this is me a. Letter of validation proving you sent this to this address does not justity this is me.There is no proven evidence so please state evidence regarding my signature and the following Original purchase agreement that shows you are the legal owner of this debt please include all terms in conditions that are included in this purchase agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: OH

Complaint narrative:
All of my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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