vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I am again formally disputing the inaccurate reporting of several accounts on my credit file. Specifically : XXXX XXXX ( Acct. ending in XXXX ), XXXX XXXX XXXX XXXX Acct. ending in XXXX ), XXXX ( Acct. ending in XXXX  ), and XXXX XXXX XXXX  ( Acct. ending in XXXX ). 

These accounts are being reported with contradictory, misleading, and inaccurate information. For example, the XXXX XXXX account is listed as both a charge-off and still showing an active past-due balance of {$44000.00}, which is factually inconsistent since a charged-off account can not simultaneously be past due. The XXXX XXXX XXXX account is reported as charged-off while still updating with past due notations, again misrepresenting the account status. The XXXX account reflects a 120-day late notation the same month it was reported closed and paid, which is inaccurate. The XXXXXXXX XXXX XXXX account also shows multiple late payments followed by paid/closed, a contradiction that creates a false derogatory history. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$500.00} OPEN DATE : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Balance : {$2200.00} OPEN DATE : XX/XX/XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Balance : {$3500.00} OPEN DATE : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$44000.00} OPEN DATE : 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 2025-09-04 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: NY

Complaint narrative:
I am again formally disputing the inaccurate reporting of several accounts on my credit file. Specifically : XXXX XXXX ( Acct. ending in XXXX ), XXXX XXXX XXXX XXXX Acct. ending in XXXX ), XXXX ( Acct. ending in XXXX  ), and XXXX XXXX XXXX  ( Acct. ending in XXXX ). 

These accounts are being reported with contradictory, misleading, and inaccurate information. For example, the XXXX XXXX account is listed as both a charge-off and still showing an active past-due balance of {$44000.00}, which is factually inconsistent since a charged-off account can not simultaneously be past due. The XXXX XXXX XXXX account is reported as charged-off while still updating with past due notations, again misrepresenting the account status. The XXXX account reflects a 120-day late notation the same month it was reported closed and paid, which is inaccurate. The XXXXXXXX XXXX XXXX account also shows multiple late payments followed by paid/closed, a contradiction that creates a false derogatory history. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$500.00} OPEN DATE : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Balance : {$2200.00} OPEN DATE : XX/XX/XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Balance : {$3500.00} OPEN DATE : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$44000.00} OPEN DATE : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent credit accounts have been reported under my name without my authorization. These accounts are not mine, and I am not liable for them. Despite providing proper documentation, the credit bureaus and creditors continue to report these fraudulent accounts. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, the credit bureaus are required to block and permanently remove any information resulting from identity theft within XXXX business days of receiving notice and proof. They are also prohibited from reinserting such information without proper certification and prior written notice to me. 



I demand the following : Immediate and permanent deletion of all fraudulent accounts and negative items. 
Written confirmation that these accounts will not be reinserted. 
Accountability for failure to comply with FCRA requirements. 

The fraudulent accounts include : XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been repeatedly contacted by XXXX  in regard to what I believe is an old XXXX debt which was closed years ago. 
I have been spoken to with EXTREME disrespect when I asked these callers to identify themselves, I have received dozens of calls over the last XXXX  or XXXX. I have warned them to stop, yet they refuse!! Their language is inappropriate and I believe it is in reference to a XXXX debt that was closed XXXX years ago! They also call after XXXX from spoofed numbers! But when I ask them to identify themselves or tell me what the call was in regard to they got heated and rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I received an email confirmation for an XXXX XXXX XXXX purchase placed for pickup at the Best Buy XXXX XXXX in XXXX, FL. I did not place this order. Immediately upon receiving the notice, I contacted the store and your customer service department to prevent the pickup. Unfortunately, despite my repeated requests for urgent intervention, no action was taken to stop the fraud. The computer was released, and the charge was posted to my Best Buy credit card. 

Since then, I have filed XXXX fraud claims ( Case # XXXX and XXXX # XXXX ) with their partner Citibank. Both were denied, despite clear evidence that the transaction was unauthorized. I have repeatedly asked your representatives to review store security footage and verify identification used at pickup, as your own process requires ID to release merchandise. To date, no one has addressed these requests. 

During this time, I also discovered that my Best Buy online account had been compromised, with an unauthorized email address added. Removing it took weeks of effort, including multiple calls, escalations, and eventually assistance at a store. This is clear evidence of account takeover fraud. 

Adding to my frustration, I have been a loyal Best Buy customer. In the past XXXX XXXX  alone, I have purchased XXXX appliances for my own home and family membersover {$8000.00} in purchases in XX/XX/year> alone. My credit history is impeccable, with a score over XXXX. It is unreasonable to suggest that I would risk my reputation and financial standing over a fraudulent {$1000.00} computer purchase. 

Despite this, I have now received XXXX denial letters, the most recent dated XX/XX/year>. Each time, I have had to re-explain the situation from the beginning, with no resolution. At XXXX point, I was even advised to file a police reportwhich I have since doneyet the fraudulent charge remains on my account, and payment is being demanded by XX/XX/year>. 

I also contacted the Best Buy CEO and received the same denial from their team and they stated they will not respond to any other inquiries and they recommended that I continue to work with Citibank. They both blame each other for the denial. 

The credit card bill was due on XX/XX/year>, and I didn't pay it because I didn't incur the charge. I am concerned about protecting my credit and this charge must be removed together with any interest and late fees.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested To Whom It May Concern, This letter serves as my formal Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I hereby demand that you immediately cease all communication with me regarding the alleged debts listed below : 1. Credit Collection Service Account XXXX XXXX XXXX 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 Please be advised that under 15 U.S.C. 1692c ( c ), once I have notified a debt collector in writing to cease communication, you must immediately stop all direct contact with me, except to : Confirm you will no longer contact me, or Inform me of specific legal remedies that may be pursued. 

Additionally, I dispute the validity of these accounts. I request that you verify these alleged debts as required under 15 U.S.C. 1692g. If you can not provide proper verification, you must remove these accounts from my credit reports and cease all collection efforts. 

Failure to comply with this cease and desist notice will constitute a violation of federal law, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

I expect written confirmation that you have received this notice and that you will cease further collection efforts. 

Sincerely, XXXX XXXX DOB XX/XX/XXXX Last four of SSN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LEXISNEXIS
State: NC

Complaint narrative:
am the victim of identity theft and ongoing credit fraud. My personal information has been exposed in multiple data breaches, which has directly contributed to fraudulent accounts being opened in my name without my knowledge or consent. Specifically, I discovered the following fraudulent accounts : XXXX XXXX XXXX XXXX Account ending XXXX, opened in XX/XX/XXXX, with a fraudulent balance of approximately {$11000.00}. XXXX XXXX XXXX XXXXXXXX XXXX account, Account ending XXXX, opened in XX/XX/XXXX, with a fraudulent balance of approximately {$42000.00} I never applied for, authorized, or benefited from these accounts. I discovered the fraud in XX/XX/XXXX and immediately filed an FTC Identity Theft Report ( Report No. XXXX ). 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I demand that XXXX XXXX, XXXX XXXX XXXX XXXX, and any associated collection agencies cease and desist all collection, reporting, and litigation activity related to these fraudulent accounts. The fraudulent accounts are invalid, unenforceable, and have no legal standing in any court. My correct and verified address for all reporting purposes is XXXX XXXX XXXX, XXXX, NC XXXX 1 respectfully request that the CFPB require the permanent removal of these fraudulent accounts from my credit file, ensure my rights under federal law are protected, and hold the responsible parties accountable for attempting to enforce debts arising from identity theft and data breach exposure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I leased a XXXX XXXX XXXX XXXX ( XXXX XXXX ) through XXXX Kia XXXX XXXXXXXX XXXX with Kia Finance America as the lender. 

The dealerships XXXX XXXX XXXX advertised this vehicle at {$46000.00} after rebates, with a {$3300.00} trade-in value for my XXXX XXXX XXXX XXXX and an estimated monthly payment of {$650.00} {$680.00}. 

However, the lease I signed reflects a gross capitalized cost of {$62000.00}, only {$1000.00} trade-in credit, {$2500.00} in add-on products ( maintenance and wear & tear ) that I was pressured into without a real choice, and a monthly payment of {$870.00}. 

When I raised these discrepancies, the dealership dismissed them as a misunderstanding rather than addressing the nearly {$16000.00} markup and trade-in shortfall. They only acknowledged that the add-ons could be canceled. 

I believe this is a case of misleading advertising and forced add-on products, resulting in a much more expensive lease than was advertised. 

I am requesting that the lease be restructured to reflect the advertised price, proper trade-in credit, and removal of the add-ons. Supporting documents are attached as Exhibits AD.

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 2025-09-04 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: CBC Companies, Inc.
State: IN

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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I get daily calls from some company called XXXX from XXXX and XXXX. I have called them repeatedly to demand that the calls cease and desist, yet they still call. When I call to demand the calls to stop they hang up on me. 
I have no debits with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
To whom this may concern, I, am writing to formally submit a complaint and request your assistance regarding inaccurate and unauthorized information that appears on my credit report. These items are causing harm to my credit standing and do not accurately reflect my financial history.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. Despite my previous efforts to dispute these items directly with the credit reporting agencies equifax transunion and experian and/or creditors, they have not been properly investigated or removed. This has deeply hindered me in my home buying process. And is delaying me getting approved for my home. 

The following items are inaccurate and should be removed immediately : REMOVE UNAUTHORIZED NO KNOWLEDGE OF THIS ACCOUNE XXXX XXXX XXXX opened on XXXX XXXX Remove item- XXXX XXXX - unauthorized no knowledge of this account Remove item- XXXX XXXX XXXX- unauthorized no knowledge of this account Remove item- XXXX XXXX $ XXXX unauthorized no knowledge of this account Remove item- XXXX XXXXXXXX XXXX XXXX XXXX unauthorized no knowledge of this account not mine Remove item- XXXX XXXX XXXX XXXX $ XXXX unauthorized no knowledge of this account Remove item- XXXX XXXX XXXX XXXX- balance {$2500.00} Remove item-XXXX XXXX- {$25000.00} Remove item-XXXX XXXX XXXX350.00} Remove item- XXXXXXXX XXXX XXXX  {$220.00} Remove item- XXXXXXXX XXXX Remove item - original creditor- XXXX $ balance Remove item- original creditor- {$370.00} balance I am demanding these unauthorized accounts be removed immediately

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 2025-09-04 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
I recently reviewed my credit report and found an inquiry that I do not recognize. I have never applied to this company, nor did I authorize or give consent for them to access my credit report. This unauthorized activity is causing me stress and anxiety as I try to understand how and why it happened.

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