vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation
State: VA

Complaint narrative:
This is my XXXX complaint on this company. I was already told that I had a cease and desist on my account to cease communication. Today I recieved a text from them. A lawyer will be contacted if this happens for the XXXX time. This is the final warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The XXXX  and XXXX  strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-12-22 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: CA

Complaint narrative:
i sent letters to Equifax and TransUnion and Experian and all this company 's letted below XXXX : XXXX XXXX : Account no : XXXX : reported XX/XX/XXXX XXXX : capital XXXX : Account no : XXXX : reported XX/XX/XXXX XXXX : the bank XXXX missouri : Account no : XXXX : reported XX/XX/XXXX XXXX : Creditor Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX : immediate deletion of the bankruptcy record ( Chapter XXXX ) currently listed on my Equifax TransUnion and Experian credit report under the following This bankruptcy record has been reported without my consent, authorization, or any permissible purpose, and therefore must be removed immediately under the federal Fair Credit Reporting Act ( FCRA ) and applicable identity protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
i sent letters to Equifax and TransUnion and Experian and all this company 's letted below XXXX : XXXX XXXX : Account no : XXXX : reported XX/XX/XXXX XXXX : capital XXXX : Account no : XXXX : reported XX/XX/XXXX XXXX : the bank XXXX missouri : Account no : XXXX : reported XX/XX/XXXX XXXX : Creditor Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX : immediate deletion of the bankruptcy record ( Chapter XXXX ) currently listed on my Equifax TransUnion and Experian credit report under the following This bankruptcy record has been reported without my consent, authorization, or any permissible purpose, and therefore must be removed immediately under the federal Fair Credit Reporting Act ( FCRA ) and applicable identity protection laws.

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 2025-12-22 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Company Name : Credit Collection Services ( CCS ) Original Creditor : XXXX XXXX XXXX Account Number : XXXX Description of Dispute : I am filing this complaint because Credit Collection Services ( CCS ) is reporting a fraudulent account on my credit report. This account ( original creditor : XXXX ) for {$240.00} is not mine. I have never had an account with XXXX, I never authorized this debt, and I have never lived at an address associated with this claim. 

This is a case of identity theft or a severe reporting error. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to report only accurate information. Since I have no contractual relationship with this company, this entry is 100 % inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
Affirm , Inc. is inaccurately reporting my unsecured loan account. The account is reported as both charged off and past due, which is contradictory and misleading, as an account can not legally be reported as past due after it has been charged off. 
The payment history reflects repeated charge-off notations on a monthly basis for an extended period of time, which improperly re-ages the account and exaggerates its negative impact. A charge-off is a one-time accounting event and can not be reported as a recurring monthly delinquency. 
Additionally, the reported balance continues to be shown as past due despite the charge-off status, further demonstrating inaccurate and punitive reporting. 
This account has been previously disputed, yet the inaccurate reporting remains unchanged, indicating a failure to conduct a reasonable reinvestigation and to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I am requesting immediate deletion of this account due to materially inaccurate and misleading charge-off reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 submitting this complaint to dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. After carefully reviewing my file, I identified several accounts and late payments that are being reported without proper verification and do not meet the Fair Credit Reporting Act ( FCRA ) standards for maximum possible accuracy. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$9400.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Account ending XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Account ending XXXX Opened XX/XX/XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX Account ending XXXX Opened XX/XX/XXXX Balance {$2700.00} These accounts are reported as charged off without proper validation. Equifax has not provided original creditor documentation proving the accuracy, ownership, or legal right to report these balances. If they can not be fully verified, they must be deleted. 

Inquiries None listed under this dispute for Equifax. 

Late Payments in Dispute XXXX  Account XXXXXXXX XXXX  Account XXXX XXXX  Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is related to Paypal XXXX XXXX XXXX that is issued by synchrony bank. I switched my automatic payment checking account in XXXX and had no issues during the set up and received the confirmation email on XX/XX/XXXX. 
My following payment due date is XX/XX/XXXX and I received another confirmation email on XX/XX/XXXX stating that my automatic payment is confirmed. Then the payment somehow wasn't successful on the XX/XX/XXXX without any notifications from Paypal or Synchrony Bank until XX/XX/XXXX. I saw the email sent on XX/XX/XXXX and made a manual payment successfully through the same checking account that was set up in the auto pay, and reset the auto pay again. 
At the time I saw this issue, there was a {$30.00} late fee that was posted in my account. I called the customer service immediately and that fee was waived. 
A few days later, I saw my XXXX statement has additional interests charge for {$10.00} ( 2 days ' interests ), which I disputed with a customer service again but I was told that their ability to void the interest charge has been removed from the company. In Paypal 's " resolution center '' for this credit card has no access to dispute the interest transaction, as it won't show in the recent transaction history. 
Additional info that may help - between XX/XX/XXXX ( when I updated my auto pay info ) and XX/XX/XXXX ( when I received the confirmation of the upcoming auto payment ), I requested credit increase sucessfully and requested additional user card for my spouse. I don't believe any of these actions would " stop '' the auto pay of my account. Paypal would've informed me if these actions may do such. 
At last, I'm complaining about their " failure to timely inform the customers about any unsuccessful payment '' and " customers can not dispute the interests charge that is due to the company 's faults or system issues ''.

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 2025-12-22 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: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or misused without my authorization. Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my information. Correct or remove any inaccurate information from my credit report related to this breach. Provide written confirmation of the investigation results and actions taken. Failure to address this issue may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please treat this matter with urgency and provide confirmation of receipt and investigation.

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 2025-12-22 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: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or misused without my authorization. Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my information. Correct or remove any inaccurate information from my credit report related to this breach. Provide written confirmation of the investigation results and actions taken. Failure to address this issue may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please treat this matter with urgency and provide confirmation of receipt and investigation.

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 2025-12-22 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: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information being reported on my TransUnion credit report. 

Charged-Off Account Dispute The following account is being reported as charged off and is disputed : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiry Disputes The following inquiries appear on my TransUnion credit report and were not authorized by me : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payment Dispute The following account is reporting a late payment that I dispute : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I am filing this complaint due to Equifaxs continued reporting of inaccurate and unverifiable information on my credit report despite prior disputes. The information listed below is damaging my creditworthiness and appears to violate Equifaxs obligations under the Fair Credit Reporting Act.

Charged-Off Accounts Equifax is reporting multiple charged-off accounts with inconsistent balances, dates, and ownership, without providing validation or original creditor documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized / Unverified Inquiries I am disputing the following inquiries because I did not authorize them and Equifax has not provided evidence of permissible purpose : Factual Data ( multiple dates ) XXXX  Late Payment Reporting Equifax is reporting late payments that do not accurately reflect my payment history or lack proper verification : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation