vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I purchased my vehicle from a XXXX XXXX XXXX dealership. There were issues with my car from the very beginning and when I would take it back up to the dealership, they would gaslight me on it. My XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The chances of the turbo going bad are highly unlikely. My turbo was bad when I bought the car. The dealership told me I wasnt used to driving a fast car. Im about two years later and I have been in the shop at least every other month for issues with my car. I owe {$16000.00} on my car she needs about {$13000.00} of work. 
My car has not been operating for about two months Ive been out of work. I am about to be evicted and homeless with XXXXXXXX XXXX Ive reached out to the dealership and they have told me they are not going to help me. This has caused me so much emotional distress and so much harm to my mental health as well as my animals. 
And I havent just had issues with the XXXX XXXX XXXX dealership that I bought my car from. I have also had issues from another XXXX XXXX dealership as well as XXXX automotive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax 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 non-monetary relief
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Collection : National Credit Systems Account # # XXXX To Whom It May Concern, I am writing to formally dispute and demand immediate removal of an unauthorized collection account reported on my credit National credit systems which appears to have been obtained and reported based on information provided by a third party who is not legally entitled to share my personal data. 
This account is not mine, and I have not authorized the collection agency in question to access, use, or report my personal information to Equifax or any other consumer reporting agency. Based on my investigation, it appears that my personal information may have been improperly obtained from a third party ( possibly the original creditor or debtor ), without my consent, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and potentially other state or federal privacy laws. 
I demand the following actions be taken immediately : 1. Removal of the disputed collection account from my credit report, as it is not mine and was reported based on improperly obtained information. 
2. Written confirmation of the deletion of the account from my credit file. 
3. A full reinvestigation under FCRA 1681i, including the method of verification, and the name and contact information of the entity that supplied the disputed information. 
4. A complete accounting of any parties who have accessed my credit report in relation to this account. 
If XXXX fails to comply with this request within the time frame allotted under the FCRA ( typically 30 days from receipt of this dispute ), I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action for damages resulting from this violation of my consumer rights and privacy. 
Enclosed are copies of my identification and a copy of the page ( s ) of my credit report showing the disputed information. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Peerless Credit Services Inc
State: SC

Complaint narrative:
I received a call today at around XXXXXXXX XXXX standard time. The caller left an unclear message with no identification other than a call back number. I called the number she left via voicemail ( XXXX ) XXXX. When I reached a person I asked for her name company name and address. She only provided a first name XXXX. She then asked me if I was who she was looking for and then asked if I lived at an address that was not accurate. She repeatedly asked me to identify myself which I did not. I asked her once more who she was and the companys name she refused to answer and proceeded to say that if youre not such person then we arent looking for you? She then asked if I knew the person and the address. I didnt answer. She then hung up. The number comes from peerless LLC of Georgia

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX, I received an email from Jefferson Capital to my personal email for an individual named " XXXX XXXX, '' pertaining to a credit card they claim he had. 
This email disclosed his personal information. 

Then on XX/XX/year>XXXX XXXX XXXX XXXX, I received an email from Jefferson Capital to my personal email for an alleged account in my name. This email also disclosed my personal information. 

I then received a letter from Jefferson Capital regarding a different alleged account. 

I pulled my credit report which does not show either of the two above mentioned accounts. My credit report does have discrepancies with an alleged account showing a Jefferson Capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account : XXXX  reports this alleged account as of XX/XX/year>, one late payment, and as open. I do not have any ( open or closed ) contractual accounts with Jefferson Capital, nor have I made any type of payment plan-negating any " late payment. '' There is also no original creditor listed. 
XXXX reports this alleged account as of XX/XX/year> and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian is reporting a XXXX XXXX Bankruptcy ( filed/discharged XXXX  ) and has attached multiple false identities to my file, including XXXX XXXX . Additionally, addresses tied to former residences are being misreported as current. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the reporting of information known, or that should be known, to be inaccurate. A false name XXXX  XXXX ) is knowingly inaccurate. 
FCRA 1681c ( a ) : Obsolete data must be excluded. Old addresses and employers from XXXX serve no present relevance and are harming my score. 
FCRA 1681i ( a ) : Experian can not verify this bankruptcy with the actual U.S. Bankruptcy Court, therefore it must be deleted.

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 2025-08-29 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/XXXX XXXX The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected. 
- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false. 
These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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 2025-08-29 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/XXXX XXXX The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected. 
- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false. 
These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: WA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
The company Andreu & Palma XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Sent me 1 letter stating my payment was missing upon logging into my account when returning from out of the country the settlement amount owed was now displaying as the total debt prior to my lawyer making a settlement agreement. When asking them why I was not called or emailed or notified via mail sooner the response was due to omission of the contract they were not legally required to notify me that the agreement was going to default or of the change to the agreement prior to defaulting without notice. I called to settle the amount that was overdue to make the account whole and was told I was notified via mail months prior which did not occur. I asked him when the notice was sent, and he stated on the 17th of the month and the agreement stated the payments are on the 20th so the claimed notifications is still not valid if the payment was not late past the date it was due. I call to make the account whole, and they state that no notice is required and now they will collect the full amount but wanted to honor the agreement. If they wanted to honor the agreement they would have provided proper notice or reach out very phone. Over the phone he stated it is illegal to notify the account holder of the change to their account, and I was never provided a 30-day notice.

Company response to consumer: Closed with explanation