vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I, XXXX XXXX, am 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 XXXX  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 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX reported a 30-day late payment on my auto loan for the same month the loan was fully paid off and closed. The loan was paid in full on XX/XX/year>, as confirmed by the attached loan status letter showing a XXXX balance and closed account. 

This reporting has caused significant and disproportionate harm to my credit score, despite the fact that the account is now fully paid, has no ongoing past-due balance, and shows no pattern of delinquency. This was an isolated payoff-timing issue on an account that has otherwise been managed responsibly for years.

When I contacted the credit union to request a review, I was told that goodwill or courtesy corrections were illegal, which is incorrect. Furnishers may update or correct information at any time as long as the information furnished afterward is accurate.

I am respectfully requesting that XXXX XXXX compliance department review this matter and submit an AUD correction to the credit bureaus to remove the 30-day late payment. A one-time courtesy adjustment would fairly address the consumer harm caused by this isolated timing issue and accurately reflect the positive standing of this fully paid account.

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 2025-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: MO

Complaint narrative:
It was sold to absolute resolution LLC C/O XXXX XXXX XXXX they sent court documents to my employer and garnished my wages it was paid in full now they sent another one to my employer stating remaining balance I wasn't aware of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate to the highest possible standard. These errors are severely impacting me in ways that are unacceptable.

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 2025-12-02 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, a fraudulent in-person purchase was made at XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, Ohio, XXXXsing my account. The total amount of the transaction was {$7900.00}, plus a {$99.00} plan fee. I disputed this charge with Comenity Bank, the issuer of the card. However, my dispute was denied on the basis that an ID was allegedly presented in the store at the time of purchase. 
I did not make this purchase, nor was I present at the store on XX/XX/year>. Comenity has not requested or reviewed the stores surveillance footage, which would clearly show that I was not the person who made the transaction. In addition, neither XXXX XXXX nor Comenity has provided me with a copy of the ID that was used for the purchase or a copy of the receipt with the signature from the transactionboth of which are necessary to properly investigate this matter. 
I have filed a police report as well as an identity theft report with the federal identity theft website. Despite this, Comenity continues to refuse further investigation and is still attempting to hold me responsible for the charges. Their investigation has been inadequate, incomplete, and does not meet reasonable standards for handling identity theft claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
As a consumer, I am requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX, CA. I had done business/ them in the past. I trusted them. The finance manager ( XXXX XXXX said he was retiring soon. 
On or about XX/XX/XXXX I called ( XXXX ) the finance manager, asking him about my copies of the contract. He said he had emailed me, I never received an email. I asked him to confirm my email address, and he had added a " _ '' to my email, and I never received the documents. Once corrected I forwarded the information to my insurance agent for coverage. At that point my insurance agent asked 'why my rate so so high '. It was my first knowledge. But that's not the issue, but it is. 
On or about XX/XX/XXXX I spoke to Santander ( acct # XXXX ) about the possibility of them refinancing my remaining principle balance to a lower interest rate. AT this point the representative told me that I had to go back to the car dealership where I bought the car, to refinance the car. I KNOW that is not accurate. I continued to make the payments ( on time ) and last week I went onto XXXX XXXX XXXX and they estimated the value of my car to be XXXX and I still OWE XXXX based on 20.99 % @ 60 installments. I was devastated to find out that not only did the finance manager get paid : discounts, back points, and probably took rebates by laying me away on a lender in XXXX 20.99 % and my credit score was XXXX at the time of Closing. Now, because of the predatory nature of this Lender & Dealership I have been robbed of any equity or paid in full enjoyment of my automobile purchase. I was lied to. Misled. And preyed upon by predators. I want the general public, and other consumers to be aware of their sales tactics and lending practices. I have lost trust in this Lener, and I think their methods and tactics should be made public. SO other victims can be aware before they... caveat emptor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am submitting this dispute to request a correction of the following inaccurate information on my credit report, as provided by the credit reporting agencies ( CRA ) listed below. I believe the disputed information is incorrect and should be removed or corrected. 

Charged Off : XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiries : XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 non-monetary relief
Consumer complaint received 2025-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I filed a Not As Described dispute for merchandise I received on XX/XX/XXXX. I pre-ordered XXXX XXXXXXXX XXXX and XXXX advertised a " steel book '' version of the game when you pre-order, without any additional terms listed. I didn't receive a steel book, so I opened the dispute. 

The merchant 's return policy is 15 days from the date of receipt. They didn't respond to the chargeback until XX/XX/XXXX, so by the time Capital One decided in their favor it was already too late for me to return the merchandise. 

Capital One wants me to provide a more detailed invoice ; I have the invoice XXXX gave me, I can't make it more detailed. What am I supposed to do? Wish for a better invoice? They also want proof that I tried to contact the merchant. XXXX has brick and mortar stores, I went to two of them to try to get the steel book that was advertised, and neither of them had it. How am I supposed to prove I was there? I can go there now, and video tape the interaction where they tell me the return window of 15 days closed. Is that helpful? No? Well, maybe some nuance would be clever, so that Capital One employees could use some common sense and say to themselves " a more detailed invoice doesn't exist, and there's no way for her to prove she physically went to the store. Gee, I wonder if there's anything I can do since this is clearly not her fault, and she's doing everything possible to resolve this? '' But no. Which is why I'm filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I am disputing the following accounts because they appear incorrect, incomplete, or unverifiable. Please conduct a fair investigation. 

CHARGED OFF 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  This late payment is not accurate and I am requesting complete verification.

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 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
I am disputing an alleged debt being reported/collected by Fairway Collections regarding an internet service provider called Light Curve. I never signed any contract or authorization for paid service. The balance arose from a free trial period that was advertised as having no obligation, and I did not agree to any continued billing.

I exercised my right under the FDCPA ( 15 USC 1692g ) and formally requested validation. Instead of providing validation, Fairway Collections refused to process my dispute unless I provided additional personal information ( last 4 of Social Security number ), even though they already had my full name and date of birth. This appears to be a stall tactic and violates their obligation to cease collection activity until they validate the debt.

To this date, they have not : Provided a signed contract Provided proof of my consent to charges Provided an itemized statement of the alleged balance Provided proof that the debt was assigned to them Provided evidence of any service I authorized beyond the free trial I am requesting the CFPB to compel Fairway Collections to provide proper validation or remove/delete this unverified debt. Until validated, they must cease all collection and credit reporting activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be removed immediately. 


XXXX Card Acct # XXXX. Acct Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am requesting the CFPBs assistance in having the bankruptcy information appearing on my credit report re-investigated and removed. The bankruptcy entries being reported are inaccurate, incomplete, and not properly verified by the credit reporting agencies. I have contacted the credit bureaus and requested verification. However, they have not provided any supporting documentation from the court, nor have they shown that the reported bankruptcy records were obtained directly from the court or matched to my identifying information with full accuracy. Under the Fair Credit Reporting Act, credit bureaus must ensure that all information they report is accurate and verifiable. In this case, they have not demonstrated that proper verification took place before adding or continuing to report these entries. Because the bureaus have not supplied proof from the original court records, I am requesting that the CFPB require the credit bureaus to conduct a proper investigation. If they can not verify the bankruptcy information directly with the court and provide documentation, I am requesting that these entries be removed from my credit report. This matter is a priority for me because the presence of unverified or incorrect bankruptcy information is causing substantial and ongoing harm to my credit profile, financial opportunities, and ability to obtain housing and credit. Thank you for reviewing my complaint and for your assistance in ensuring the accuracy of my credit 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 explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXX OF XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
This serves as my official objection to the referenced accounts. I do not recognize them and did not consent to their creation. I request their immediate removal and a full examination. Documentation is enclosed.

Company response to consumer: Closed with explanation