vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-09 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:
TransUnion has failed to properly investigate and correct multiple inaccuracies on my credit report, despite three written reinvestigation requests submitted on XX/XX/year>, XX/XX/year>, and XX/XX/year>. All disputes were sent via XXXX  with delivery confirmation. 

I disputed a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX not belong to me. This account appears only on my TransUnion report. I requested written verification, including original documentation and the method of verification, but TransUnion did not provide any supporting records. 

I also requested removal of two unauthorized hard inquiries ( XXXX XXXX and XXXX XXXX  ) and requested documentation showing permissible purpose. TransUnion did not provide this information and did not remove the inquiries. 

Additionally, I requested correction of outdated personal information, including an old address that is no longer accurate. This information remains on my report. 

TransUnion closed each dispute without providing verification, documentation, or correcting the inaccurate information. Their investigation did not fix obvious errors and failed to meet FCRA requirements for reasonable reinvestigation and proper verification. 

I am requesting CFPB assistance to ensure TransUnion conducts a lawful reinvestigation and removes all unverifiable and inaccurate information.

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 2025-12-09 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12.00} XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account No : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SC

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, that is considered identity theft. 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 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 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NH

Complaint narrative:
In XX/XX/year>, I signed up with XXXX and received my first set of aligners. Before I even had the chance to complete the required check-ins with a dentistsomething the company advertised as part of the XXXX  went out of business. Because of this, I never received the XXXX promised dental check-ins, and the lifetime guarantee included with the service was effectively void. 

After the shutdown, I heard nothing from XXXX or any affiliated party for nearly a year. Then, without any prior notice, I began receiving notifications from a collection agency called XXXX stating that I now owed them the balance. When I called to dispute the debt, I was told that the dispute period had already expired, despite the fact that I had never received any communication about the debt or the timeframe in which I could contest it. 

XXXX is attempting to collect money for a service that was never provided, and this has resulted in a negative mark on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-09 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: FL

Complaint narrative:
I am writing to dispute several items appearing on my credit report from the following credit bureaus. I believe that these accounts are inaccurately reported or should be removed due to errors in the data. Please investigate and correct these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX XXXX Date : XX/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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
In XXXX XXXX there was fraudulent activity on my account from XXXX  XXXX XXXX. I had proof that I was physically in XXXX NY. They closed my account because it was said that someone tried to deposit money in my account and withdraw the money from an ATM in XXXX, Illinois. I clearly asked them to investigate and told them I had proof that it wasn't me. I asked isn't there cameras at the ATM. I also insisted to have an investigation started. I was under complete quarantine and New York wasn't allowed to travel. There is no way it was me. XXXX XXXX XXXX closed my account without investigation. Then proceeded to enter me in the CHEX SYSTEM which I can't open a bank account anywhere. This derogatory statement is making it difficult financially and it's impacted my life and credit score.

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 2025-12-09 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: GA

Complaint narrative:
There is an account on my credit report under Credit Coll from XXXX XXXX XXXX XXXX XXXX with the amount of {$170.00} opened on XXXX  that I did not open and I do not know who did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX from a dealership in New Jersey. During the sales process, the dealership manager stated that the vehicle qualified for the {$7500.00} XXXX XXXX XXXX XXXX. This representation was a material factor in my decision to proceed with the transaction. I later learned that the vehicle does not qualify because it was manufactured in XXXX, and therefore does not meet the North American final-assembly requirement. 

The dealership also added multiple products and fees to the contract without my authorization, including a {$3000.00} Adjusted Market Value markup, a {$3000.00} Global Appearance Protection package, a {$790.00} documentation fee, and other charges. These items were never disclosed or offered to me, and they significantly increased the Amount Financed.

The dealer also manipulated my trade-in figures, resulting in hidden negative equity of approximately {$2200.00} that was rolled into the financing without clear disclosure. 

These actions resulted in inaccurate Truth-in-Lending disclosures and an inflated loan balance. I requested an explanation and a full itemization of all charges, add-ons, and disclosures, but neither the dealership nor the lender provided accurate or complete information. 

I submitted formal written disputes requesting : ( 1 ) a full investigation, ( 2 ) removal of unauthorized add-ons, ( 3 ) correction of loan disclosures, and ( 4 ) a recalculation of the Amount Financed based only on legitimate, authorized charges. The company has not resolved these issues or provided the required information. 

Because the misrepresentation and unauthorized charges materially affected the credit transaction, I am requesting CFPB assistance to ensure compliance with TILA, UDAAP, and the FTC Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
I am disputing an inaccurately reported foreclosure on a XXXX XXXX XXXX  account. This is not a foreclosure, and documentation has been provided. 
I am requesting that this be documented as a formal FCRA dispute. 

This account is being incorrectly reported as a foreclosure. 
The XXXX XXXX XXXX account was not a foreclosure, voluntary surrender, or repossession. Supporting documentation has been provided per the creditor 's request. in the form of a letter from XXXX XXXX XXXX  stating the account was not a foreclosure or voluntary surrender. But now they are not accepting it. We did their job for them, sat on hold for HOURS, took TWO DAYS of our time, and got this letter FOR THEM AS THEY ASKED US TO DO, and now they are holding up the purchase of our new house. 

Under the Fair Credit Reporting Act, Experian is required to conduct a reasonable investigation and correct or delete inaccurate information if it can not be verified as accurate. They told us it would be our responsibility to verify the information, as they would only attempt contact twice. Under the Fair Credit Reporting Act, it is not our responsibility to confirm anything.

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 2025-12-09 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: GA

Complaint narrative:
I, XXXX XXXX, a

m submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had originally set up a payment plan for 3 months with this company. My payment plan was set to start XX/XX/XXXX. Second payment on XX/XX/XXXX and third payment on XX/XX/XXXX. When I logged in to make my first payment XX/XX/XXXX, my bank had notified me that the amounts had already been taken out resulting in a double withdrawal. I contacted Capital One to see if one payment can be reversed as one seemed to have already been automatically taken out and the rep from Capital One stated that since it was a mistake they can since it's within 7 days, that they can only resend me a check through the mail in the amount I overpaid or to contact my bank for a reversal since it was still not posted on their side yet. I called my bank and got it reversed. Therefore only one payment was made to Capital One. ( I have record of double payment ) Since it seems like the first payment was automatically taken out given that I did not make that first payment manually, I assumed the second payment would follow suit and be automatically taken on the XXXX XXXX XXXXXXXX as agreed upon in payment plan. When I login my app shows that I am two payments behind which is very confusing. I called Capital One and they stated that my payment plan was canceled for XX/XX/XXXX but I was not notified of any cancellation and am confused about my first payment and where that went to. I feel as though capital one 1. ) did not correctly notified me of my payment cancelling automatically.

2. ) automatically taking out first months payment but then stated that they do not auto withdraw payments for XX/XX/XXXX ( second payment ) resulting in a late payment that canceled my payment plan. 

3. ) falsely stated that I never was in a payment plan when I have record of the payment plan put in place and with bank statement showing I made and can make my payments on time IF THE PAYMENT PLAN WAS NOT Originally CANCELED by capital one without notice as I did not breach the contract and have made my payments and am willing to make my correct payments on time.

I believe this should not impact my credit and it should be take off just I am 2 payments behind, when I agreed to a payment plan they offered in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-09 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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