vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-24 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-09-24 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The last XXXX calls to this company has been extremely frustrating and misleading! Once again every agent has a different say in this process. I would like to continue building however being told the card would be reopened after filing false fraud with ftc was not factual! I was given fax number and I believe I asked are you sure it will be done after receiving this information and was told the only thing their waiting on is that from ftc and I can move forward. However after calling the ftc informed me that was not the case a false fraud claim doesnt exist so I called capitol one back right after XXXX XXXX told something different again! Check last XXXX calls for verification please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) SANTANDER BALANCE {$3200.00}, XXXX XXXX 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 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion by certified letter and notified them that the information on the TransUnion Credit Report for XXXX XXXX XXXX XXXX is not accurate and does not match the information on the Equifax Credit Report and the XXXXXXXX Credit Report. The monthly payment is not accurate. The XXXX is not accurate. The late payment claim is not accurate. The XXXX is not accurate. The XXXX XXXX XXXX is not accurate.

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 2025-09-24 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: TX

Complaint narrative:
I contacted TransUnion by XXXX XXXX and notified them that the information on the TransUnion Credit Report for XXXX XXXXXXXX XXXX XXXXXXXX is not accurate and does not match the information on the XXXX  Credit Report and the Experian Credit Report. The monthly payment is not accurate. The XXXX is not accurate. The XXXX XXXX claim is not accurate. The XXXX is not accurate. The XXXX XXXX XXXX is not accurate.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted TransUnion by XXXX XXXX and notified them that the information on the TransUnion Credit Report for XXXX XXXXXXXX XXXX XXXXXXXX is not accurate and does not match the information on the XXXX  Credit Report and the Experian Credit Report. The monthly payment is not accurate. The XXXX is not accurate. The XXXX XXXX claim is not accurate. The XXXX is not accurate. The XXXX XXXX XXXX is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I was offered a settlement offer of XXXX from XXXX XXXX XXXX  which I paid. Which they are reporting not paid. I was told by a representative that the account is a paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have a new credit collection on my credit from credit collection services through XXXX. XXXX sold the account before letting me resolve the account. I have no signed contract with collection services for them to be able to report anything on my credit reports. I asked for a copy of any signed contracts and they hung up on me.

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 2025-09-24 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : 1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXXccount Number : 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 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am filing this complaint because I was contacted by Transworld Systems XXXX Inc. ( TSI ) regarding a debt. When I called TSI, the representative provided me with a callback number to reach her directly. That callback number, however, is associated with XXXX XXXX XXXX, a credit repair service not TSI. 

In addition, I have received several calls from a XXXX area code number where the callers claimed to be from Transworld Systems. These calls were very hostile in tone and created pressure and confusion. 

This raises several concerns : 1. Misrepresentation of identity I believed I was dealing directly with TSI, but was instead steered toward a third-party company. 
XXXX. Harassment The XXXX callers were aggressive and hostile, which may violate debt collection laws. 
XXXX. Potential violations of FDCPA and XXXX XXXX XXXX must clearly identify themselves, provide validation of debts, and can not mislead consumers or steer them deceptively to unrelated companies. 

Relief Requested : I request a full investigation into the relationship between TSI and XXXX XXXX XXXX. 
I request action regarding the hostile calls from XXXX numbers falsely claiming to be XXXX. 
I request written clarification of whether my debt is being handled by TSI directly, and assurance that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Credit Repair Organizations Act ( CROA ) are being upheld. 

Here are the phone numbers that have contacted me. They kept telling me that they've also sent letters to my address, however I received nothing of that sort. I kept asking them for validation notices, however they kept getting very aggresive and threatening. 

XXXX ( Claiming to be TSI ) XXXX ( TSI connected me a lady named XXXX, however she gave me this number as a call back for whenever I confirmed details with XXXX XXXX ( from which they say the bill was from ) XXXX ( and this number went to XXXX XXXX XXXX ). 
XXXX ( Claiming to be XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report today. Even after refreshing my browser, they remain. I urgently request a thorough review of the documents I submitted so this issue can be permanently resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
On XXXX I booked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ( XXXX XX/XX/year> check-out XX/XX/year> ) through XXXX and used Affirm financing to pay for the reservation. 

Affirm processed the loan and confirmed that XXXX was paid {$2800.00} ( Loan ID : XXXX, XXXX XXXX XXXX XXXX  ). 

Despite payment being processed, I never received a booking confirmation from XXXX. Instead, XXXX support incorrectly referenced a completely different property in XXXX, XXXX, which I never booked. 

I contacted both Affirm and XXXX multiple times, requesting confirmation of my XXXX XXXX reservation or a full refund. Affirm confirmed the payment was sent to XXXX but XXXX has not provided the reservation details or refund. 

This is a failure to deliver a service that was paid for. 

When I attempted to complete the booking in the app, it displayed an error and reset without providing a confirmation screen. However, Affirm still processed the loan and sent funds to XXXX. I also received abandoned cart reminders from XXXX afterward, showing the booking attempt was logged on their side

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnaccurate.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I AM WRITING TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT FOR IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). BELOW ARE THE DETAILS OF THE ACCOUNT I AM DISPUTING : - CREDITOR/ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX  REPORTED BY : FINANCE / XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX - STATUS REPORTED : REPOSSESSION THIS ACCOUNT IS BEING REPORTED INACCURATELY. MY REPORT SHOWS CONFLICTING AND INCOMPLETE INFORMATION INCLUDING : - INCONSISTENT ACCOUNT TYPES ( INSTALLMENT ACCOUNT VS. AUTO LOAN ) - BALANCE OWED SHOWS {$15000.00}, WHICH IS HIGHER THAN THE REPORTED HIGH BALANCE OF {$15000.00} - INCONSISTENT DATES OF LAST ACTIVITY ( XX/XX/XXXX VS. XX/XX/XXXX ) THESE DISCREPANCIES ARE MISLEADING AND DAMAGING TO MY CREDITWORTHINESS. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 611 [ 15 U.S.C. 1681I ], I AM REQUESTING A REINVESTIGATION OF THIS ACCOUNT. IF THE ACCOUNT CAN NOT BE VERIFIED WITH ACCURATE AND COMPLETE DOCUMENTATION FROM THE ORIGINAL CREDITOR, I ASK THAT IT BE DELETED FROM MY CREDIT FILE. 
PLEASE PROVIDE ME WITH THE RESULTS OF YOUR REINVESTIGATION IN WRITING TO THE ADDRESS LISTED ABOVE. 
THANK YOU FOR YOUR PROMPT 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 2025-09-24 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: TX

Complaint narrative:
Over the last few years, numerous unrecognizable and/or fraudulent accounts and inquiries have been added to my credit reports without my knowledge or authorization. These include multiple accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The fraudulent balances range from several hundred dollars to over {$8000.00}. 

I filed an official FTC Identity Theft Report around XXXX XXXX and most recently ( Report # XXXX, dated XX/XX/XXXX ), which documents these fraudulent accounts. I also submitted notarized dispute affidavits with Exhibits identifying each account and inquiry. Despite these efforts, the credit bureaus have not corrected my file and continue to report inaccurate and fraudulent information. 

In addition, I was affected by major data breaches at XXXX XXXX XXXX ( and additional companies ), which exposed my personal information and made me more vulnerable to identity theft. I have repeatedly provided my drivers license, Social Security card, and other documentation, but the credit bureaus have failed to comply with FCRA 605B, which requires them to block fraudulent information within four business days. 

The continued reporting of these fraudulent accounts has caused serious harm, including credit denials and reputational damage.

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