vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a
reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-27 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
the company violated my HIPPA rights by share personal information multiple times and they report the debts twice my insurance took care of the balance

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 2025-11-27 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: FL

Complaint narrative:
Company : Care credit with Syncrony Amount : {$2400.00} Claim # XXXX Opend the credit card to purchase a service that requires me to make an appointment with the vendor. Appointment was made for XX/XX/XXXX. The day after the first time I was at the store I informed them I would like to cancel the service and the appointment. Vendor stated they where to new to be able to refund the transaction. I Opend a dispute. The credit card denied the dispute 2 once because vendor stated I had postponed the appointment the second time because it past the refund time frame. 

I currently Opend a new dispute as I have provided the information contradicting both reason why the dispute was denied. There not looking at the information provided and wont approve the dispute

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 2025-11-27 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 a victim of identity theft. Multiple fraudulent accounts and multiple fraudulent credit inquiries were made in my name without my knowledge or authorization. I have already filed an official FTC Identity Theft Report under penalty of perjury, and I am requesting that all fraudulent accounts and all fraudulent inquiries be deleted and blocked under FCRA Section 605B. 

I did NOT authorize any of the following accounts that were opened using my identity : XXXX XXXX XXXX Fraudulent credit card, opened around XX/XX/XXXX. 

XXXX XXXX XXXX Fraudulent personal/business loan, opened around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX personal/business loan, opened around XX/XX/XXXX. 


I did NOT authorize the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, and I request immediate investigation, deletion, and blocking of all fraudulent accounts and inquiries under FCRA Section 605B.

I am submitting : My FTC Identity Theft Report, ( passport ) Social Security card as proof of my identity and to verify that I am the legitimate consumer.

I am requesting that the CFPB ensure the data furnishers and credit bureaus comply with the FCRA and permanently remove all fraudulent information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am a victim of identity theft. Multiple fraudulent accounts and multiple fraudulent credit inquiries were made in my name without my knowledge or authorization. I have already filed an official FTC Identity Theft Report under penalty of perjury, and I am requesting that all fraudulent accounts and all fraudulent inquiries be deleted and blocked under FCRA Section 605B. 

I did NOT authorize any of the following accounts that were opened using my identity : XXXX XXXX XXXX Fraudulent credit card, opened around XX/XX/XXXX. 

XXXX XXXX XXXX Fraudulent personal/business loan, opened around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX personal/business loan, opened around XX/XX/XXXX. 


I did NOT authorize the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, and I request immediate investigation, deletion, and blocking of all fraudulent accounts and inquiries under FCRA Section 605B.

I am submitting : My FTC Identity Theft Report, ( passport ) Social Security card as proof of my identity and to verify that I am the legitimate consumer.

I am requesting that the CFPB ensure the data furnishers and credit bureaus comply with the FCRA and permanently remove all fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
This serves as my formal dispute regarding the accounts listed. I did not authorize or open them and have no association with them. I request their removal and a complete investigation. Documentation is enclosed.

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 2025-11-27 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: NC

Complaint narrative:
This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report.

Specifically, I dispute the accuracy and validity of the following account ( s ) : Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation.

Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party ( if applicable ) provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges.

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 2025-11-27 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:
Can you go through this entry? It might be late and incorrect.

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 2025-11-27 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I dont agree with the items listed below which still appear on my credit report this is really hurting me, and I need your help. I would like this account to be immediately investigated. Please help me remove these inaccurate items : 1. Re-investigate and verify all data for this account is reporting accurately including every notation date and balance whether reported or not. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

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 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
i never had XXXX i have been with XXXX for XXXX  years i try to get where this services was provided they charge XXXX account on my credit none of these belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TN

Complaint narrative:
I am writing to dispute the following accounts and inquiries reported on my credit file across the XXXX credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). I believe that the accounts and inquiries listed below contain inaccuracies or incomplete information that violate the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Inquiries XXXX XXXX  - Date : XX/XX/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 2025-11-27 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:
I am writing to dispute certain information on my credit report with each of the three major credit bureaus. Below are the details of the accounts in dispute, separated by bureau, for your review and necessary action.

Charged Off Accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX  XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am currently on medical leave due to XXXX, XXXX, and XXXX XXXX resulting from workplace retaliation and a wrongful termination that occurred while I was already on approved medical leave. I also experienced a recent XXXX harassment and assault incident involving an XXXX driver. These matters are being handled by my law firms, and I have submitted documentation to my U.S. Senators office. My income has been unstable while I wait for long-term disability approval from my insurance provider, which has previously delayed multiple payments.

Because of these events, I have been under ongoing financial hardship. I recently received a letter from my mortgage servicer stating that my forbearance plan was ending and that my monthly mortgage payment would increase due to an escrow shortage. I requested information from the company about what FHA loss-mitigation or home-retention options I qualify for, including extension of forbearance, repayment plan, partial claim, or loan modification.

The company did not provide the information I requested. I only received automated letters and have not been given a proper hardship review, a clear explanation of the escrow changes, or guidance on what documents I need to submit.

I need the servicer to communicate clearly, follow FHA guidelines, review my hardship appropriately, and provide accurate information on the correct options so I can stabilize the loan and keep my home.

I am a former foster youth who was adopted at an older age. My adopted mothers home is not a safe or stable environment. There have been recent incidents that required me to contact the police, including verbal aggression and inappropriate behavior. I have video documentation of the most recent incident. Because this environment is unsafe and unpredictable, I can not remain there long term. I have no reliable family support or anywhere else to go, which makes keeping my own home essential for my safety and stability.

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 2025-11-27 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: AL

Complaint narrative:
I am writing to dispute certain entries on my Equifax credit report. The information appears to be inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that a data breach may have affected the accuracy of my personal data. Below is a list of the accounts I am disputing.

Disputed Accounts on Equifax Report : 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Account Type : Collection - Installment Balance : {$460.00} Account Status : Negative Violations : FCRA Violation : The balance and payment status may not be accurately reflected, leading to incomplete reporting.

Data Breach : The account could be impacted by a potential breach that may have compromised my personal data. 
2. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Account Type : Collection - Installment Balance : {$460.00} Account Status : Negative Violations : FCRA Violation : Incorrect reporting of payment history.

Data Breach : Possible exposure of personal information, impacting the accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: MD

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are listed as charged-off but contain inaccuracies or incomplete reporting. Please investigate and correct the information as needed. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
Parties Involved, '' XXXX : Stellantis Financial Services , Inc . 
Repo Agent : XXXX XXXX XXXX ( XXXX, MI ; Phone : XXXX ) '' Description of Complaint : XXXX SEPARATE VIOLATIONS OF MICHIGAN REPOSSESSION LAW ( UCC ) AND RECKLESS ENDANGERMENT. 
Detailed Narrative, '' '' '' I am filing this complaint against XXXX XXXX XXXX XXXX XXXX and its agent, XXXX XXXX XXXX, for multiple severe violations of Michigan law related to the repossession of my XXXX XXXX ( Account XXXX XXXX ) on XX/XX/year> in XXXX, Michigan.VIOLATION XXXX : UNLAWFUL REPOSSESSION/BREACH OF PEACE ( MCL XXXX ) The repossession was illegal because your agent, XXXX XXXX XXXX XXXX XXXX a Breach of the Peace. I was present inside the vehicle with my dog during the repossession and explicitly objected to the XXXX. The agent continued the repossession process while I was physically inside the vehicle, violating Michigan 's statutory requirement for peaceful repossession.VIOLATION XXXX : RECKLESS ENDANGERMENT AND CONVERSION OF PROPERTY I informed the truck driver of my medical condition and that my essential medications were inside the vehicle. The agent refused to allow me to retrieve my medications or other personal property before driving away, leaving me stranded and exposed to a health risk. This is a clear case of conversion ( theft ) of my property, especially my vital medications. VIOLATION XXXX : FAILURE TO PROVIDE STATUTORY NOTICE ( XXXX  XXXX ) Stellantis has failed to provide the mandatory written notice of my right to redeem the vehicle or the companys intent to sell the collateral. This failure to provide the Notification of Disposition of Collateral is a violation of the Michigan XXXX and should result in the waiver of the entire {$78000.00} deficiency balance they are attempting to claim. I demand an immediate investigation into both companies. '' '' ''

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