vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 non-monetary relief
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-11 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:
My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate and unauthorized information currently listed on my credit report. According to 15 U.S.C. 1681b, I did not authorize the access, reporting, or sharing of my personal information with the entities listed below. This constitutes a violation of my consumer rights to privacy, as these companies have no lawful basis to report any information under my name. 

Furthermore, unauthorized inquiries appear on my credit report that I did not initiate. This may constitute identity theft. I do not owe any debt to these entities, and I am requesting the immediate removal of the unauthorized accounts and inquiries to correct the inaccuracies in my credit file.

Please investigate and resolve this matter promptly. I request written confirmation once the disputed entries have been 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate and unauthorized information currently listed on my credit report. According to 15 U.S.C. 1681b, I did not authorize the access, reporting, or sharing of my personal information with the entities listed below. This constitutes a violation of my consumer rights to privacy, as these companies have no lawful basis to report any information under my name. 

Furthermore, unauthorized inquiries appear on my credit report that I did not initiate. This may constitute identity theft. I do not owe any debt to these entities, and I am requesting the immediate removal of the unauthorized accounts and inquiries to correct the inaccuracies in my credit file.

Please investigate and resolve this matter promptly. I request written confirmation once the disputed entries have been 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Under the FDCPA, I have the right to request verification of any debt they claim I owe, and until such validation is provided, they must cease collection activities. 

According to federal law, this account must be removed from all credit reporting agencies immediately, as it is being reported inaccurately and without verification. I never received a validation notice before this account hit my credit profile. Failure to comply will leave me no choice but to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am a victim of data breach. The accounts listed below were open fraudulently due to my information being exposed. I submitted my disputes to Experian, Transunion, and Equifax. The accounts were removed on XX/XX/year> and then added back to my credit card on XX/XX/year>.

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 2025-08-11 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: GA

Complaint narrative:
I am a victim of data breach. The accounts listed below were open fraudulently due to my information being exposed. I submitted my disputes to Experian, Transunion, and Equifax. The accounts were removed on XX/XX/year> and then added back to my credit card on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX balance {$2300.00} XXXX XXXX XXXX XXXXXX/XX/year>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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I contacted XXXX to delete a collection account that is reported to my credit report by wrong, it contains an account in collections, it is paid in full in 29 days since collection first call to myself, this should be deleted since it was reported by mistake to my report as it was paid, also I has agreement that this is should be deleted once paid with CCS collection, attached my payments. XXXX.com on the other side, I called and emailed CCS collection company in order to honor their agreement that this amount was paid in a timely manner within a month and it set for deletion but they ignore my requests, as well the customer service mentioned that I shall get a letter of deletion after payments are submitted but their website shows it needs time and I didn't get any letters to my email. 
XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 reviewed my credit report and noticed these improper inquires don't belong to me.

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 2025-08-11 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: AL

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}

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 2025-08-11 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: OR

Complaint narrative:
I am submitting this complaint because Experian continues to report 30-day late payments on the account below, despite my request for verification.

I formally disputed this entry and requested proof per the FCRA, but no supporting documentation was provided. Experian failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 


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 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: TX

Complaint narrative:
On XX/XX/year>, I received XXXX XXXX XXXX XXXX treatment from XXXX XXXX XXXX and paid {$320.00} in full upon leaving. Their written policy states that all services must be paid in full at the time of service. I was later contacted by a debt collector, XXXX XXXX, regarding an additional {$320.00} charge for a second treatment I never received. 
I contacted XXXX XXXX XXXX for clarification. In a voicemail, the manager ( XXXX XXXX ) confirmed I did not receive the second treatment and stated I could come in to receive it. However, she also stated they are charging me because it was part of a bundle deal, and I would owe the amount regardless of whether the service was performed. 

I requested a copy of my signed consent form and their financial policies. While I did initial and sign the consent form, the price, the date next to my signature, and my printed name were all added by staff not by me after I signed. I can prove this : on the financial policy I completed on the same day, the date is in my handwriting and clearly different from the date on the consent form, showing it was entered by someone else. Altering a signed document or adding dates/terms where the client is required to do so is improper and may render the document void. The manager ( XXXX XXXX ) first denied staff filled out the document, then admitted they sometimes fill in the date for ease. 

XXXX XXXX XXXX has no documentation of any payment arrangement, split payment, or agreement to a bundle deal besides verbal claims. Without written proof, this alleged agreement is invalid and unenforceable. Their own written policy requires all services to be paid in full at the time of service, which I complied with. 

Additionally, XXXX XXXX attempted to collect this alleged debt by phone but never sent a written validation notice as required under the Fair Debt Collection Practices Act within five days of initial contact which was XX/XX/year>. 

I have : - Payment receipt for {$320.00} service rendered - Voicemail transcript confirming service was not received - Email Communication - Copy of altered consent form - Copy of financial policy with my handwriting for date for comparison - Copy of written payment policy

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a scam call from XXXX XXXX XXXX on XX/XX/XXXX. They lied to me to buy an auto warranty for my XXXX XXXX XXXX XXXX XXXX for 6 years for {$3000.00}. On the next day, I called them to cancel the purchase ; however, they offered my a refund of {$610.00} to keep the warranty. 
On XX/XX/XXXX, my car broke down and took it to XXXX of XXXX who informed me that there was no warranty and it was a scam. Since then, I have been contacting Synchrony bank regarding this fraudulent transaction. Synchrony Bank closes the billing dispute every time stating as per the XX/XX/XXXX letter ( see attached ) " Based on our investigation, a credit will not be issued for the sale of {$3000.00} for the following reasons : Our records indicate that the service or merchandise was received by you and delivery was confirmed. '' I have never received any merchandise. This is an auto warranty that was not available when needed. I have included XXXX record stating that XXXX XXXX XXXX was no longer in business since early XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian, Equifax, and TransUnion regarding the accuracy of an account being reported by XXXX XXXX  ( account number ending in XXXX ). 

The credit bureaus responded stating the account was verified as accurate, but they did not provide any proof or documentation showing how this verification was done. 

On XX/XX/XXXX, I sent a Method of Verification request to each credit bureau under my rights in FCRA 611 ( a ) ( 7 ), asking for : 1. The name, address, and phone number of the person or entity they contacted.

2. The method used to contact them. 
XXXX. Copies of any documentation provided by XXXX XXXX  that was relied upon in verifying the account. 

As of todays date, the credit bureaus have not provided this information, nor have they removed the account. This is a violation of my rights under the FCRA, as they are required to conduct a reasonable investigation and disclose the method of verification upon request. 

I am requesting that the CFPB require the credit bureaus to : Provide full documentation of their verification process, OR Delete the XXXX XXXX  account from all of my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian, Equifax, and TransUnion regarding the accuracy of an account being reported by XXXX XXXX  ( account number ending in XXXX ). 

The credit bureaus responded stating the account was verified as accurate, but they did not provide any proof or documentation showing how this verification was done. 

On XX/XX/XXXX, I sent a Method of Verification request to each credit bureau under my rights in FCRA 611 ( a ) ( 7 ), asking for : 1. The name, address, and phone number of the person or entity they contacted.

2. The method used to contact them. 
XXXX. Copies of any documentation provided by XXXX XXXX  that was relied upon in verifying the account. 

As of todays date, the credit bureaus have not provided this information, nor have they removed the account. This is a violation of my rights under the FCRA, as they are required to conduct a reasonable investigation and disclose the method of verification upon request. 

I am requesting that the CFPB require the credit bureaus to : Provide full documentation of their verification process, OR Delete the XXXX XXXX  account from all of my credit files

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 2025-08-11 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3200.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$370.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
These accounts are not mine and i would like them removed as soon as possible

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tesla, Inc.
State: MN

Complaint narrative:
I am disputing an alleged debt of {$2100.00} claimed by XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX ) for repairs that were never performed. 

Details : XXXX XXXX billed me for extensive rear suspension repairs on my XXXX XXXX XXXX XXXX, i

ncluding replacement of the rear subframe, right rear knuckle, suspension links, hub, and related hardware. My insurance company engaged a third-party inspection, and XXXX XXXX XXXXcertified independent repair facilityconfirmed these repairs and parts were not performed or installed by XXXX. XXXX XXXX subsequently completed these exact repairs using genuine XXXX parts, which I paid for out-of-pocket at a cost of {$9700.00}. 

Despite repeated requests, XXXX has provided no photographic, video, or written documentation to substantiate its claims. Statements from XXXX own service advisor originally indicated these additional repairs were not authorized and thus not performed. Later, XXXX changed its position and claimed the work was done, yet still provided no evidence. This constitutes : Fraudulent billing / misrepresentation. Breach of contract. Violation of the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ). Potential violation of the Fair Credit Reporting Act if reported to a credit bureau. Current Status :
Tesla is demanding payment and has threatened collection activity. I have sent a certified dispute and demand letter on XX/XX/XXXX, requiring that Tesla :

1. Cease all collection activity. 2. Remove the {$2100.00} charge. 3. Confirm in writing within five ( 5 ) calendar days that my account is settled and will not be reported to credit bureaus. Requested Action : I request : Investigate
Teslas

billing practices in this matter. Require
Tesla

to remove the disputed balance. Ensure no negative credit reporting occurs. Attachments Provided :
Tesla invoice. 
XXXX XXXX invoice and documentation. 
Email correspondence with XXXX staff. 
Certified dispute/demand letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation