vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
This letter serves as a formal notice that my personal and financial information has been compromised due to a data breach. My private identifying information may have been accessed, distributed, or misused without my authorization. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws.

I demand that you immediately : Investigate any unauthorized activity, including any accounts opened using my identity.

Remove and correct all inaccurate or fraudulent reporting connected to this breach.

Provide written documentation of your investigation and corrective actions.

Failure to correct this matter will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and all appropriate regulatory authorities. Written confirmation of receipt and resolution is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize these inquires and I have asked for them to be removed, and the agencies did not remove them. I provided an ID Theft Report. I requested that they be removed. They are inaccurate and do not belong to me. They are not mine at all. I have provided a police report as well.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
Since the life of my lease, XXXX, XXXX, I have been making partial payments, twice a month of XXXX by XXXX, totaling {$800.00} per month for my lease. My lease payment price is around {$790.00}. Suddenly, as of XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, was unable to process my lease payments. I contacted ( NMAC ) on XX/XX/XXXX and inquired. I was then informed that THEIR leasing payment system was not working. I inquired AGAIN on XX/XX/XXXX and still, I was not able to make a payment. Finally, as of the beginning of XXXX, XXXX ' I was able to submit a {$400.00} payment, as I normally do, when my first paycheck arrives. Recently, as of XXXX XXXX XXXX received a NOTICE OF DEFAULT in the mail, stating that my loan was in default and that if I did not submit a payment of over {$900.00} within 10 ( ten ) days of the notice, that NMAC would possibly reposes my vehicle. This also massively impacted my credit report. Clearly, this happened because I was NOT able to submit my XXXX payment, because THEIR system was down. It should be noted that, I was informed that I WOULD NOT be charged any late fees, which, I still was, because of THEIR system being down. This is unacceptable, my credit has suffered and they have threatened to take the vehicle. I am formally requesting my credit be repaired and to be compensated for my stress and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the past week, I have been locked out of my Experian account due to fraud committed by my ex. My ex-partner has somehow regained unauthorized access to my credit file and personal information. Experian locked my account but refuses to provide a functioning method for me to verify my identity and regain access. This has left me completely unable to secure my credit or stop the fraud. 

Details : 1.An unauthorized individual ( my ex-partner ) has repeatedly accessed and manipulated my Experian account. 
2.Experian locked my file, but the only method they offer to verify my identity is by calling a specific phone number that does not work. 
3.For the past week, I have tried calling this number multiple times per day from different phones, and it never connects or places me in a queue. 
4.Experian has not offered any alternative method ( such as secure upload, email, or working phone line ) for me to verify my identity. 
5.Because of this, I can not access my own credit file, freeze my credit, or stop the fraudulent activity. 
6.As a direct result of this situation, I am unable to open a bank account or conduct essential personal financial business. 

Law Enforcement Reports Filed : In the past week, I have reported this identity theft and unauthorized access to : Local law enforcement The FBI ( IC3 ) The FTC ( IdentityTheft.gov ) Despite filing these official reports, Experian still will not provide a functioning means to verify my identity or secure my credit file. 

Harm Caused : Experians refusal to provide a working contact method is causing immediate and severe financial harm, including : Inability to open a bank account Inability to freeze/unfreeze my credit Continued access by the fraudster to my personal information Ongoing risk of new fraudulent accounts Significant emotional distress and uncertainty What I Am Requesting : I am urgently requesting that the CFPB require Experian to : 1.Provide an immediate, workable method for me to verify my identity and regain control of my account.

2.Secure my credit file and block the unauthorized individual from accessing it.

3.Investigate why the only identity verification phone number provided is non-functional.

4.Offer written confirmation once my identity is verified and my credit file is protected. 

Experian has left me unable to protect myself from an active fraudster, despite multiple law-enforcement reports. I need immediate attention to this matter as Experian has been completely unresponsive and inaccessible.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am a consumer in the process of repairing my credit. I have noticed discrepancies on my credit report related to the following charged-off accounts. These accounts are being disputed, and I am requesting that they be thoroughly reviewed and corrected. 

Charge Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: RI

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX and XXXX XXXX  XXXX and the credit bureaus failure to correct these errors after multiple disputes. 

XXXX  ISSUE : XXXX is reporting late payments, delinquencies, and a charge-off on their XXXX XXXX card. This account is a secured card funded only with my own money, so it can not legally report late payments or go negative unless there is a system error. XXXX admitted in writing that my balance was XXXX and that I did not owe them anything, and they told me the reporting would be corrected, but they never fixed it. I attempted to pay immediately, but XXXX would not accept payment through the app, over the phone, or by mail. They provided no way to make a payment and told me to dispute it with the bureaus, which is improper. The negative reporting is inaccurate, impossible, and caused by their own system malfunction. 

XXXX XXXX XXXX : XXXX XXXX  is reporting multiple accounts ( XXXX ) that are incorrect. Some are duplicates, some show inconsistent data, and some were part of a pay-for-deletion agreement that XXXX XXXX has not honored . These accounts should have been deleted but remain on my reports. The data is contradictory and inaccurate across all three bureaus. 

BUREAU FAILURE TO INVESTIGATE : Despite my disputes, the credit bureaus verified information that is factually incorrect, contractually required to be removed, or impossible ( such as late payments on a secured XXXX XXXX XXXX account ). The bureaus did not conduct a reasonable investigation as required by FCRA and continued reporting false data. 

These errors have damaged my credit, caused financial harm, and continue to affect my ability to obtain credit. I am requesting that the CFPB require XXXX, XXXX XXXX, and the bureaus to delete the inaccurate accounts and correct all reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is reporting a credit card account on my credit reports which is not my account. I have no current accounts with them, when I called to inquire and gave them my personal information/DOB/SSN ) the representative said my information did not match but it is somehow attached to my social security number. They basically blew me off and said I probably forgot I had this account, which is not the case. The address on the account does not match my current address as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAC Financial Corp
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CAC FIN XXXX  in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CAC FIN XXXX containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in TEXAS Without proof of ownership or a chain of title, CAC FIN XXXX has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. 

Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 
3. A complete investigation by your agency into CAC FIN XXXX 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : CAC FIN XXXX Original Creditor : XXXX XXXX XXXX OF XXXX Alleged Account Number XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I am experiencing a significant loss of household income and contacted Sallie Mae to request a deferment or hardship forbearance on my private student loan. My request was denied without a clear explanation, and when I asked for alternative hardship options, I was told that no relief programs exist for my situation. 

I requested escalation and spoke with an escalations representative who again stated that no options were available and that the company would only send a denial letter. Given my financial hardship and the lack of any payment relief being offered, I believe this decision was not properly reviewed. 

I am requesting : 1. A full review of my hardship request 2. A documented explanation of the denial 3. Access to any available hardship forbearance, administrative forbearance, modification programs, or temporary reduced payment options 4. Supervisory review to ensure the correct policies were applied I am trying to keep my account in good standing but can not make the current payments due to loss of income. I need Sallie Mae to provide reasonable hardship accommodations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Dear Sir/Madam, I am a consumer in the process of repairing my credit. I have noticed discrepancies on my credit report related to the following charged-off accounts. These accounts are being disputed, and I am requesting that they be thoroughly reviewed and corrected. 

Charge Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00}

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Tiffany & Tiffany PLLC
State: NC

Complaint narrative:
I was never properly served with notice of the underlying debt or the garnishment action. The law firm representing XXXX XXXX XXXX initiated a warrant in debt and later a garnishment based on an unsecured loan allegedly charged off more than a year earlier without providing any proof of the debt or chain of assignment. 

When I requested validation, I received only a copy of a purged document with no original agreement, no detailed accounting, and no proper notice of my right to dispute. They also failed to provide any evidence of service of process. 

The garnishment was executed against my employer without my knowledge, and over {$900.00} was taken before I even had a chance to respond or object. 

The credit union never offered a meaningful opportunity to cure or settle this account before escalating to legal action. No calls, no written notices, and no account statements were sent to my updated address despite the fact that I had submitted a forwarding address and was reachable. 

Additionally, Ive reviewed my IRS transcript and found no 1099-C was filed by XXXX, even though the alleged charge-off occurred over a year ago, and they proceeded to garnish post-charge-off. This may constitute double-dipping and tax fraud, as outlined by NCUA guidance on charge-off handling and income reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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