vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Review of Collection Accounts Reporting XXXX Member To Whom It May Concern, I am an XXXX XXXX XXXX XXXX requesting your assistance in investigating the accuracy and legality of the following collection accounts reporting on my credit report. These debts are negatively affecting my ability to secure housing and financial stability, which are critical to my mission readiness and military obligations. The Fair Credit Reporting Act ( FCRA ), Servicemembers Civil Relief Act ( SCRA ), and Consumer Financial Protection Bureau guidelines entitle me to accurate, fair, and verified reporting. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$190.00} - Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Reason for Dispute : No notice received ; account not validated ; debt balance not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$120.00} - Original Creditor : XXXX - Date Opened : XX/XX/XXXX - Reason for Dispute : Never received communication or validation of debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$450.00} - Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Reason for Dispute : Incorrect reporting and lack of communication prior to credit placement. 

I request that these accounts be fully validated or permanently removed if the companies can not provide proper documentation, especially considering my status as a service member. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Tesla, Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I placed a reservation for a Tesla vehicle and paid a {$250.00} reservation fee. At that time, Teslas website clearly advertised 0 % APR financing through Tesla Financing. Based on this promotion, I applied for the Tesla Credit Card via Teslas website, expecting to benefit from the 0 % APR as advertised. 

However, once I was approved, I was offered a 3 % APR instead of 0 %. I contacted Tesla support multiple times through the app and website to request clarification and to cancel the reservation due to the misleading terms. Despite my repeated attempts, I received no proper explanation, and Tesla refused to refund the {$250.00} reservation fee. 

This situation is misleading and unfair. The advertised financing terms were not honored, and my refund request was ignored. I respectfully request a full refund of the {$250.00} reservation fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: M. G. Credit, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. Recently, the consumer financial protection bureau found a lawsuit against all credit Bureaus for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include. Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously Disputes and inaccurate information without explanation, failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protection and perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mis handled in similar manner. Please. Review the inaccurate information being reported under the FCRA, you are required to conduct proper investigations. Accounts must be accurate on all credit reports reporting ACCURATELY. When reviewing my report there are many inaccuracies reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX accounts ). An auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX accounts ). An auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I got a credit report that showed a collection for {$110.00} from XXXX . I dispute it from XXXX XXXX XXXX XXXX XXXX, and also communicated with Diversified Adjustment Service , Inc. via email. I offer that although the debt is not mine, I am willing to pay as I do not want that in my credit as I do have an excellent credit score that is being damaged by this collection. But before me paying, wanted to make sure they and I have all the information. I write in the email : To Whom It May Concern, I am writing to formally request validation of a debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ). 

I recently became aware of a collection account reported on my credit reports in the amount of {$110.00}, which appears to be under your agencys name. I do not recognize this debt as mine and request that you provide the following information : 1. The name and contact information of the original creditor.

2. The full account number of the original debt.

3. A detailed accounting of the debt, including how the total was calculated.

4. Proof that I am legally obligated to pay this debt.

5. A copy of the original agreement or contract bearing my signature ( if applicable ). 

I am not acknowledging that this debt is valid or that I am responsible for it. However, in the interest of resolving the matter and avoiding any further damage to my credit or the possibility of legal action, I am willing to pay the full amount of {$110.00} under the following condition : * * In exchange for the payment, Diversified Adjustment Service agrees to delete all references to this account from all three major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX * * They keep calling almost every day since XX/XX/XXXX even though I specify on one of the calls that the communication be only by mail or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX, who has been wrongly reported to collections for a utility account that was no longer her responsibility at the time of delinquency. 

XXXX previously transferred her electricity service to her renter, XXXX XXXX XXXX as confirmed in correspondence and by phone with the utility provider. On XX/XX/year>, XXXX spoke with XXXX, a representative of the utility company, who informed her that a final balance of {$170.00} was due under XXXX name. XXXX also confirmed that once the {$170.00} was paid, the account and all future billing responsibility would be transferred to XXXX. 

XXXX promptly paid the {$170.00} as instructed. Despite this clear agreement, a collection account was opened in XXXX name for a subsequent balance that XXXX should have been responsible for. 

This false reporting has negatively impacted XXXX credit and caused unnecessary stress. This action constitutes a violation of multiple consumer protection laws and utility billing standards.

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ) The utility company and/or collection agency furnished inaccurate information by reporting unpaid charges that were not owed by XXXX. 

After being notified of the dispute, they failed to reasonably investigate or correct the error, violating FCRA 1681i.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e The collection agency used deceptive and misleading practices by attempting to collect a debt from XXXX that she does not legally owe. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Dodd-Frank 1031 The utility provider misrepresented the terms of the billing transfer and failed to uphold the agreement made during Amiees call with XXXX, resulting in wrongful collection activity.

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 2025-07-23 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:
I am filing this complaint on behalf of XXXX XXXX, who has been wrongly reported to collections for a utility account that was no longer her responsibility at the time of delinquency. 

XXXX previously transferred her electricity service to her renter, XXXX XXXX XXXX as confirmed in correspondence and by phone with the utility provider. On XX/XX/year>, XXXX spoke with XXXX, a representative of the utility company, who informed her that a final balance of {$170.00} was due under XXXX name. XXXX also confirmed that once the {$170.00} was paid, the account and all future billing responsibility would be transferred to XXXX. 

XXXX promptly paid the {$170.00} as instructed. Despite this clear agreement, a collection account was opened in XXXX name for a subsequent balance that XXXX should have been responsible for. 

This false reporting has negatively impacted XXXX credit and caused unnecessary stress. This action constitutes a violation of multiple consumer protection laws and utility billing standards.

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ) The utility company and/or collection agency furnished inaccurate information by reporting unpaid charges that were not owed by XXXX. 

After being notified of the dispute, they failed to reasonably investigate or correct the error, violating FCRA 1681i.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e The collection agency used deceptive and misleading practices by attempting to collect a debt from XXXX that she does not legally owe. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Dodd-Frank 1031 The utility provider misrepresented the terms of the billing transfer and failed to uphold the agreement made during Amiees call with XXXX, resulting in wrongful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My daughter is on my credit report I want her off of it so I can get a house loan I pop up as a minor

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XXXX i made a credit payment of XXXX XXXX On XX/XX/year> my payment of XXXX $ was due. On XX/XX/year> I received and email saying I received a late fee. I open my PayPal credit account to see the payment was rejected and I was being charged a late fee. I contact live chat support and was givin a number to PayPal claims department. The claims dept said they couldn't help and that paypal rejected and gave me a number to the PayPal credit dept. I called PayPal credit dept and was able to get the late fee removed but was told by them that they payment was rejected by PayPal and I would need to talk to the financial dept to get my account fixed so that I can make a payment. He transfered me to the financial dept and I was told by them that my bank declined the payment. Although my bank said pending until this morning. XXXX departments that transfered me to told me PayPal rejected and that my PayPal statements says it was rejected by PayPal. When I expressed this to the support agent they refused to help and told me they'd have to transfer me. I told them no I had more questions and they ignored me and put me on hold and transfered me anyways. I felt absolutely disrespected and unhelped by this company whom I was trying to pay on time and spent XXXX hours on the phone trying to fix the problem.

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 2025-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) and ( B ) ( i ) and XXXX U.S.C. XXXX ( a ) ( XXXX ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) XXXX, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX. XXXX - XXXX - This is an open account inaccurately reporting negative payment history. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) XXXX, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX. XXXX - XXXX - This account is CLOSED and PAID but is inaccurately reporting a XXXX late payment. This derogatory mark is false, misleading, and damaging to my credit profile. Under FCRA XXXX ( b ) and XXXX, you are legally required to ensure all information is accurate and up to date. I demand immediate removal of this inaccuracy to reflect my positive payment history. Failure to comply will result in legal action. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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