vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
I enrolled in a debt settlement program with a company that promised to negotiate with creditors on my behalf and prevent legal actions. Despite making all required monthly payments, the company has failed to communicate with creditors, provide updates, or deliver any settlement agreements. As a result of their negligence, I am now facing court summonses and legal proceedings that I specifically sought to avoid by enrolling in the program. Multiple attempts to contact the company for assistance and clarification have been ignored or met with evasive and disrespectful responses. I am submitting this complaint to request regulatory review and intervention to address the companys failures and prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have hard inquiries on my credit report that I didnt authorize my credit to be ran for. The companies that ran my credit that I didnt authorize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One closed three of my accounts I really dont know why. All were current in payments. My granddaughter was residing with me at the time and apparently did something on XXXX XXXX with one of them. Capital One without ever notifying me closed all three of my cards! I was paying and current on all three! Now they have been charged off!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Highline Automotive Inc.
State: IL

Complaint narrative:
I have hard inquiries on my credit report that I didnt authorize my credit to be ran for. The companies that ran my credit that I didnt authorize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have hard inquiries on my credit report that I didnt authorize my credit to be ran for. The companies that ran my credit that I didnt authorize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
XXXX is the name of the company saying I need to pay XXXX dollars and I did not open this account and I talk to them also on XX/XX/year> and told them I XXXX  not open this account it is fraudulent and XXXX  proved to them and it need to be taken off and the account number of this account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am extremely dissatisfied with the service I received. A Goldman Sachs representative provided me with incorrect information regarding my ability to complete a wire transfer to my XXXX XXXX on XXXX & XXXX. After following their guidance, I later spoke with a supervisor who apologized and acknowledged that their staff had given me inaccurate instructions. 

Despite this, I was told that I could still wire the funds to my XXXX account. Goldman Sachs attempted the transfer, but it was denied. I was then informed that the denial was due to too many quick money movements, even though those movements only occurred because of the incorrect information given to me earlier. 

I spent XXXX hours on the phone trying to resolve this issue, only to be told that the transfer could not be completed after all. As a result, I am now required to pay a {$400.00} extension fee for my closing, and I must travel back to my other bank in order to complete the wire transfer myself. The total financial impact of this error is approximately {$1000.00}. 

This situation represents a significant failure in communication and customer service. The inconvenience, financial loss, and XXXX  caused by these mistakes are unacceptable, and the benefits of the high-yield savings account do not compensate for the trouble I experienced. My experience has been extremely disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: CA

Complaint narrative:
XXXX XXXX has referred a disputed business account for collections to Access Receivables Management without providing any valid supporting documentation or contract establishing liability. 

Our company, XXXX XXXXXX/XX/XXXX), never executed a binding term agreement with XXXX for the XXXX XXXX property. We have repeatedly requested a copy of the signed contract and itemized billing to substantiate the alleged balance, but none has been provided. Despite this, Access Receivables Management has attempted to collect {$17000.00} and offered a settlement amount of {$14000.00}. 

This alleged debt is unvalidated, disputed in writing, and should not have been placed for collections. Both XXXX and Access Receivables have failed to respond to multiple written disputes and have not withdrawn the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Credit Karma, LLC
State: FL

Complaint narrative:
Can you please check out CreditKarmas business practices? I believe that their business model is not to help with your credit. I believe that they work to keep your credit low and continually press you to get more credit cards and take loans. 
Ive done everything they have asked, now have 8 credit cards and have not taken a ( very high interest rate loan ) that they claim will bring my credit higher. 
Is this something that you can help me with.??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
A collection account from Sunrise Credit Services for XXXX XXXX ( Spectrum ) in the amount of {$310.00} was added to my TransUnion credit report between November 1116, 2025. This account is inaccurate, unverified, and was reported without any prior notice or validation, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I never received a billing statement, itemized charges, service dates, equipment return documentation, or a validation letter from Sunrise Credit Services or XXXX XXXX. The collector has not validated the debt as required under 15 U.S.C. 1692g. This is the first time I have seen this alleged balance.

The account appears only on TransUnion, not on Experian or Equifax, which indicates incomplete, inconsistent, and unreliable reporting in violation of FCRA 623 ( a ) ( 1 ). Because no validation was provided before negative reporting, I was prevented from exercising my dispute rights as required under FDCPA 809 ( a ).

I dispute this account in full because : I did not receive validation Sunrise has not provided itemization No service dates or contractual proof were supplied Spectrum is known for incorrect post-disconnect billing I was not notified before the negative report The information reported to TransUnion is inaccurate and incomplete I am asking the CFPB to require Sunrise Credit Services to produce full validation ( including itemized charges, dates of service, and proof of responsibility ). If they can not validate, TransUnion must delete the account immediately for failure to meet FCRA and FDCPA obligations.

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 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX amount {$290.00} i did not open this account. identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
The Inaccurate Reporting Caused a Loan Denial On XX/XX/year>, I received a written adverse action notice from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX The denial letter states I was denied due to : Serious delinquency / public record / collection filed Number of accounts with delinquency Time since derogatory or collection too recent My credit score listed was : Equifax : XXXX TransUnion : XXXX These negative items stem directly from the inaccurate accounts listed above. 

I suffered measurable harm including : Denial of financing Loss of opportunity Lower credit score Emotional and financial distress Under the FCRA, this qualifies as actual damages.

1. Four Accounts Reporting Incorrectly on My Credit Reports The following furnishers are reporting inaccurate, incomplete, or unvalidated information : XXXX. XXXX XXXX XXXX ( XXXX ) Reporting a collection account that is in active dispute. 
XXXX continued collection activity during the dispute ( letter dated XX/XX/year> ). 
XXXX has not validated the debt. 
XXXX. XXXX XXXX, XXXX XXXX an account with inconsistent dates, balances, and statuses across bureaus. 
No proper validation provided after dispute. 
Some information appears outdated or unverifiable. 
XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Reporting contradictory information across bureaus ( balances, limits, high credit ). 
Furnished data does not match TransUnionXXXX XXXX XXXX XXXX  uniformly. 
Account is disputed but continues to report as derogatory. 
XXXX XXXX XXXX XXXXXXXX Account information is inconsistent across all three reports. 
Some derogatory items should have been corrected or removed after the dispute. 

These inaccuracies violate FCRAs requirement of maximum possible accuracy.

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 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I do not remember the dates, but last year, my son, XXXX XXXX, and I, XXXX XXXX, bought a XXXXXXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXX here in XXXX, XXXX. We bought it under Santander. This is who we sent the car payments to. Everything was fine until 2 months later as I was taking my son to work at night, and I didn't see a speed sign that was down, and I ran over the poles of the sign. I found out after I took the car to the shop two days later, the repairman called me and told me that my car was totaled. It had over {$17000.00} worth of damage and could not be repaired. My son could not make the payments they ( Santander ) wanted, so he called them and made payment arrangements. They decided they wouldn't accept my son 's payments, closed the account, and sent me a check of over {$400.00}. We are not 90 days late on the account like Transunion, Equifax, and XXXX have it in their bureaus. The account was closed by Santander, the car is totaled, and that is all there is to say about this case. Everything that all three credit bureaus have about Santander is incorrect. I asked Transunion about it. The representative would not talk to me about all this wrong information and told me to contact you and write a complaint, so I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
On my credit report I have a bill feom consumer prlortfolio service concerning a debt. When I asked what information mayoon they had they gave the wrong social security number. I have never been in the state of which the medical debt was supposed to occur. Kept disputing with the credit report and they keep coming back. Bit sure how they can do this with the wrong social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE COLLECTIONS GRVL and CTY OF XXXX had added an inquiry on my credit report. The inquiry was opened due to identity theft. I submitted a police report to the city of XXXX when I was first notified that there was utilities cut on in my name. I notified them that I have never lived in the city of XXXX and that I was a victim of identity theft. I was told to bring the police report and they would have the utilities cut off and all charges will be removed. Instead, they sold the debt and now it has been added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XXXX of XXXX I was going through a divorce and was trying to get a loan for a mortgage on a new home I would be buying. On XX/XX/XXXX I was notified by my mortgage lender that my loan was being denied because there was an outstanding balance on my credit report that negatively affected my credit score. I have always had great credit so I was obviously surprised by this.Once they sent me a copy of the report I saw the name of the creditor and found a number to call about this fraudulent charge. I believe at that time it had been purchased by a collection agency Midland Credit Management. I called them and explained how this credit card could not have been taken out by me because the address they had with the account was in XXXXXX/XX/XXXX and I have lived my entire life inXX/XX/XXXX At that time they said they would do an investigation and get back to me. I also contacted XX/XX/XXXX to file a dispute with them as well. After a few weeks I noticed the balance had been removed from my credit report and I was able to successfully receive a loan for my new home. I never heard from anyone again and closed on my new home on XXXX XXXX. I had assumed at that point the case was settled and moved on with my life. then at some point in XXXX I received information that a lawsuit was going to be filed against me for not making payment to this. So I called the collection agency again and was told I was supposed to have filed a report with the FTC and or the local police department for identity theft. I had no idea this was needed. So I then did file with my local police department and tried to file with the FTC but the government was shut down so I could not. I am now finally filing this complaint now that it is back up and running. Hopefully this will assist me in not having to be responsible for this account that was opened fraudulently in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
There is a medical-related collection being reported on my credit file by XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX ) that is not legally permitted to appear on my consumer credit report. This account originates from a XXXX XXXX medical claim. Under the updated federal guidelines issued by the CFPB, Department of Health and Human Services, and U.S. Treasury, medical debtswhether paid, unpaid, or in collectionsare no longer allowed to be included on personal credit reports for any credit scoring or reporting purpose. * * Despite this federal guidance, the credit bureau continues to report this medical collection. No valid documentation has been provided showing that this item is legally eligible for reporting. This is a medical/insurance claim and should not be furnished to consumer reporting agencies at all. 

When I disputed this directly with the bureau, they did not provide any true verification or supporting documents. They relied on automated e-OSCAR code responses instead of conducting a real investigation as required under FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623. No original records, billing documents, or proof of responsibility were produced.

Because medical collections are now barred from consumer credit files and because no lawful verification has been provided, this account is being reported inaccurately and unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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

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