vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a XXXX  document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
ARS National Services , Inc. has willfully and blatantly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by attempting to collect on an alleged debt that is both disputed, unverified, and potentially fraudulent. Despite my formal written demand dated XX/XX/year>, ARS continues to pursue collection activity without providing the legally required verification. 

This agency has failed to produce proof of ownership, assignment, or legal standing to collect this alleged debt. They have not provided any contracts bearing my signature, nor any itemized breakdown of principal, interest, or fees. I also raised legitimate concerns that the alleged debt may have already been extinguished through insurance payouts, government relief, securitization, or tax write-offsall of which ARS has completely ignored. Attempting to collect on a discharged or already compensated debt is an unlawful act of double recovery.

By disregarding federal law and continuing collection activity without validation, ARS National Services is engaging in fraudulent, deceptive, and abusive practices. Their conduct also places them in violation of 15 U.S.C. 1692g, 15 U.S.C. 1692c ( c ), and 15 U.S.C. 1681s-2, while exposing me to unwarranted harm, harassment, and potential credit reporting damage.

This company is knowingly violating consumer protection laws, attempting to intimidate and mislead me into paying on a debt they can not legally prove. Such reckless disregard for consumer rights demonstrates a pattern of abuse that demands immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
I have a chase business account reporting on my personal credit report and I HAVE SEVERAL chase business cards and none of the others report. In XXXX  I was a victim of identity theft and while the account was being investigated no payments were made so chase then decided to report in on my personal credit report. Once everything was cleared up it never stopped reporting in XXXX they switched the card to a different product and closed the original card. I was told that it would stop reporting, experian refuses to remove it from my personal credit report. It reads business account on my report and they just will not remove it. It is affecting my ability to close on my new home.

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 2025-09-10 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: NJ

Complaint narrative:
I have a chase business account reporting on my personal credit report and I HAVE SEVERAL chase business cards and none of the others report. In XXXX I was a victim of identity theft and while the account was being investigated no payments were made so chase then decided to report in on my personal credit report. Once everything was cleared up it never stopped reporting in XXXX they switched the card to a different product and closed the original card. I was told that it would stop reporting, experian refuses to remove it from my personal credit report. It reads business account on my report and they just will not remove it. It is affecting my ability to close on my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to buy my dream house and dream car and I noticed theres some discrepancies errors inaccuracies unknown, and unverifiable information on my credit report. My XXXX XXXX accounts was closed on the same day and filed fraudulently without proper investigation. This is unfair practicing also there is failure to report accurately as there are unverifiable credit reporting on my payment history. There are multiple hard inquiries on the same day that I did not authorize. They are fraudulent. Please remove. All of the accounts are my collections are misreported and they failed to validate them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I tried to buy my dream house and dream car and I noticed theres some discrepancies errors inaccuracies unknown, and unverifiable information on my credit report. My XXXX XXXX accounts was closed on the same day and filed fraudulently without proper investigation. This is unfair practicing also there is failure to report accurately as there are unverifiable credit reporting on my payment history. There are multiple hard inquiries on the same day that I did not authorize. They are fraudulent. Please remove. All of the accounts are my collections are misreported and they failed to validate 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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Purchased 2 vehicles from XXXX XXXX XXXX who use credit acceptance as a finance company and was taken advantage of in an emergency situation, amount financed and finance charges do not line up with what I signed I am paying XXXX just in finance fees on a XXXX car and over XXXX on the other car worth the same financed amount I am being ripped off and unable to keep up with the payments and the only option they gave me is to return the vehicle which counts as a repo which I refuse to do but cant refinance either due to car being too old they take advance of you and offer no help

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 2025-09-10 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:
On XX/XX/year>, I submitted FTC Identity Theft Reports ( Ref. # XXXX, # XXXX ) along with proper identification and dispute documentation to Experian, TransUnion, and Equifax. Under FCRA XXXX, the bureaus were required to block fraudulent accounts within XXXX business days of receipt. They failed to do so. 

Despite multiple disputes and CFPB complaints since XXXX, the bureaus continue to report fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX ), now more than 120 days past statutory deadlines. This constitutes willful noncompliance under FCRA 1681c-2, 1681i, and 1681n.

I also provided breach alerts showing my SSN was exposed in data breaches, further confirming identity theft. Instead of deleting, the bureaus responded with dispute resolved subscriber disagrees or left reinvestigations in progress, ignoring clear statutory duties. 

I am requesting immediate deletion of the fraudulent accounts, confirmation that no reinsertion will occur, and CFPB oversight to ensure compliance and enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing on my credit report this morning. I do not understand why this hasnt been fixed, as I refreshed my browser and they remain there. I need the documents I sent to be reviewed immediately so I can finally stop stressing over this.

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 2025-09-10 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: IL

Complaint narrative:
I am disputing the bankruptcy listed on my credit report. Under 15 U.S.C. 1681 ( a ) ( 4 ), credit reporting must be fair, accurate, and respect the consumers right to privacy. 

This item is not verified to that standard. I request its immediate removal unless you can provide documented evidence proving its accuracy

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 2025-09-10 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: IL

Complaint narrative:
I am disputing the bankruptcy listed on my credit report. Under 15 U.S.C. 1681 ( a ) ( 4 ), credit reporting must be fair, accurate, and respect the consumers right to privacy. 

This item is not verified to that standard. I request its immediate removal unless you can provide documented evidence proving its accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have not tried to fix this with XXXX because I am unable to retrieve my account due to XXXX card swapping, spoofing, smishing all related to my identity theft. My data was leaked from an unknown source in XXXX that included my email, home address ( I have since had to relocate due to my identity theft ), location and other relevant information. It was also leaked in XX/XX/XXXX that included multiple sales of my social security number. The individuals responsible for my identity theft then used bootstrapping to extract multiple XXXX  payments and redirect them to individuals whom I have never met, done business with, nor did I have knowledge of, consent or authorize any of these XXXX  transactions. I have filed claims with my bank, XXXX XXXX, over these transactions only to have them denied even after providing documentation twice to XXXX XXXX, been given misleading or inaccurate information by XXXX XXXX and its representatives, been provided 2 separate email addresses to which to send documentation for my claims and was told when I contacted PayPal, XXXX XXXX parent company that I would have to contact PayPal separately and that I could only file claims for transactions dating back 6 months. I have spent months trying to get through to PayPal, XXXX and XXXX XXXX to retrieve my funds and stop the withdrawals from my account- including a fraudulent PayPal credit card opened in my name, a fraudulent bank account opened in my name, which I discovered on XX/XX/XXXX. And as I am unable to get into my XXXX account and my only recourse is to spend hours on the phone hoping that I get through and the time limit for filing these claims with XXXX has likely passed, I am filing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this statement to report that I am a victim of identity theft as a result of the XXXX data breach. My personal information, including my Social Security number and other identifying details, was compromised and has since been misused without my authorization. I did not apply for, authorize, or open any fraudulent accounts or credit inquiries that may now appear on my credit file. Any such activity is the direct result of identity theft and should not be attributed to me. I am actively working with XXXX other credit bureaus, affected creditors, and law enforcement to resolve these issues and prevent further misuse of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I submitted disputes to Experian regarding multiple accounts on my credit file that are being reported with inaccuracies and mismatched data compared to the other credit bureaus. The information being reported by Experian is inconsistent, contains factual errors, and does not reflect accurate account details. Despite my formal disputes and supporting documentation, Experian has failed to correct or remove the inaccurate information and continues to report these disputed accounts, which is negatively impacting my credit profile and financial standing.

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 2025-09-10 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: TX

Complaint narrative:
Transunion and Experian both had data breaches that affected my 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 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am responding to your communication regarding the alleged debt referenced above. This letter is a formal request made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. The necessary supporting documents are enclosed with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
They sent me 2 letters. They didn't show me anything I signed or verify any equipment that was turned in. I recently received notice of this through my credit report. I haven't had XXXX in several years. They added the debt on my report in XXXX or XXXX of 2025. I don't know this company and have no contract or signed anything with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
b'The Companies Below Were Fraudulently reported on my credit. 1.XXXX XXXX XXXX (Experian)\n\t2.\tXXXX XXXX XXXX (Equifax)\n\t3.XXXX XXXX (TransUnion)\n\t4.XXXX XXXX XXXX XXXX XXXX (Equifax)\n\t5.XXXX XXXX XXXX XXXX (Equifax)\n\t6.XXXX XXXX XXXX XXXX XXXX (Experian)\n\t7XXXX XXXX XXXX XXXX (Experian)\n\t8XXXX XXXX XXXX XXXX (Experian)\n\t9XXXX XXXX XXXX XXXX (Experian)\n\t10XXXX XXXX XXXX XXXX XXXX (TransUnion)\n\t11.\tSBA (Small Business Administration)  XXXX (Experian)\n\t12.\tSBA (Small Business Administration)  XXXX  (Experian)\n\t13.\XXXX XXXX XXXX (TransUnion)\n\t14.XXXX XXXX XXXX XXXX  (TransUnion)\n\t15.\tSBA (Small Business Administration)  XXXX (Experian)\n\t16.XXXX XXXX XXXX  (Experian)\n\t17.XXXX XXXX XXXX XXXX XXXX (Equifax)\n\t18XXXX XXXX XXXX XXXX (TransUnion)\n\t19XXXX XXXX XXXX XXXX (Equifax)\n\t20.XXXX XXXX XXXX XXXX (Equifax)\n\t21.XXXX XXXX XXXX XXXX (Equifax)\n\t22.XXXX XXXX XXXX XXXX XXXX  (TransUnion)\n\t23.XXXX XXXX XXXX (TransUnion)\n\t24XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Equifax)\n\t27.XXXX XXXX XXXX (TransUnion)\n\t28.XXXX XXXX XXXX (TransUnion)\n\t29.XXXX XXXX XXXX XXXX  (Equifax)\n\t30.XXXX XXXX XXXX XXXX XXXX (Equifax)\n\t31XXXX XXXX XXXX (Equifax)\n\t32.XXXX XXXX XXXX (Equifax)\n\t33.XXXX XXXX XXXX XXXX XXXX (Equifax)\n\t34.XXXX XXXX XXXX XXXX XXXX  (Equifax)\n\t35.XXXX XXXX XXXX (Equifax)\n\t36XXXX XXXX XXXX XXXX  (Equifax)\n\t37.\XXXX XXXX XXXX XXXX (Equifax)\n\t38.XXXX XXXXXXXX XXXX XXXX (Equifax)\n\t39.XXXX XXXX XXXX XXXX (Experian)\n\t40.XXXX XXXX XXXX XXXX (Experian)\n\t41.XXXX XXXX XXXX  (Experian)\n\t42XXXX XXXX XXXX XXXX (Experian)\n\t43.XXXX XXXX XXXX XXXX XXXX (Experian)\n\t44.XXXX XXXX XXXX XXXX XXXX  (TransUnion)\n\t45.XXXX XXXX XXXX XXXX XXXX (TransUnion)\n\t46.XXXX XXXXXXXX XXXX XXXX XXXX XXXX (TransUnion)\n\t47.XXXX XXXX XXXX (TransUnion)\n\t48.XXXX XXXX XXXX (TransUnion)\n\t49.XXXX XXXX XXXX (TransUnion)\n\t50XXXX XXXX XXXX XXXX (Equifax)\n\t51.XXXX XXXX XXXX (TransUnion)\n\t52XXXX XXXX XXXX XXXX XXXX  (Equifax)\n\t53.XXXX XXXX XXXX XXXX (Experian)\n\t54.XXXX XXXX (TransUnion)\n\t55.XXXX XXXX XXXX XXXX XXXX  (Equifax)\n\t56.XXXX XXXX XXXX XXXX (Experian)\n\t57.XXXX XXXX XXXX (TransUnion)\n\t58.XXXX XXXX XXXX (Experian)\n\t59.XXXX XXXX (TransUnion)\n\t60.XXXX XXXX (Experian)\n\t61.XXXX XXXX XXXX XXXX (TransUnion)\n\t62.XXXX XXXX XXXX XXXX (Equifax)\n\t63.XXXX XXXX XXXX XXXX  (Equifax)\n\t64.XXXX XXXX XXXX XXXX (Equifax)\n\t65.XXXX XXXX XXXX XXXX  (Equifax)\n\t66.XXXX XXXX XXXX XXXX (Experian)\n\t67.XXXX XXXX XXXX XXXX (Experian)\n\t68.XXXX XXXX XXXX XXXX (Experian)\n\t69.XXXX XXXX XXXX (TransUnion)\n\t70.XXXX XXXX XXXX XXXX XXXX (TransUnion)\n\t71.XXXX XXXX XXXX (TransUnion)\n\t72.XXXX XXXX XXXX  (Equifax)'

Company response to consumer: Closed with non-monetary relief