vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was contacted by a company called CBE stating that I owed a debt. I was under the impression that I owed a debt for a tire company. I was asked for my personal information, including Social Security and bank account information.. The company was very aggressive! They kept calling my boyfriend and he finally answered. He asked who they were, and they would never give him a name. They just asked for me and would never tell them who they are and what they wanted. When I got the phone to speak to them, they asked to speak to me, then they told me that I had a debt. The things that they were saying sounded true, but it turns out they were impersonating another company. I gave them my personal info and was told I would be on a payment plan. A couple of days later I noticed that I have a collection on my credit report stating that I have an open collection from the CBE company but the original creditor name is charter communications. I knew this had to be wrong because I looked online and found out that charter communications. I have to deal with spectrum, and I have never opened up account with spectrum. The report is saying that I open one with them back in XXXX, which is certainly not true. After further investigations, I did find out that this scam has happened to others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I opened a Lowes credit card to purchase a washer and dryer after being told I would receive 0 % interest. I have since been using the card for additional purchases and making the minimum payments each month, under the belief that the entire balance was covered by the 0 % interest promotion. However, I recently discovered that I have been charged over {$100.00} in interest. When I contacted customer service, I was informed that the interest charges were valid and could not be reversed. At no point was it clearly explained to me that this was a deferred interest promotion or that additional purchases would not be covered under the same terms. I believe this was misleading and predatory, as the promotional financing terms were not transparent, and the card was marketed in a way that implied true 0 % interest. I am requesting that the interest charges be reviewed and reversed

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 2025-06-20 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, LA XXXX ACCOUNTS : LA XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-20 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: NY

Complaint narrative:
I have a credit card with XXXX XXXX XXXX, that is reporting inaccurately on my credit report. There are several late remarks on XXXX, XXXX and XX/XX/year> that are inaccurate and hurting my credit. I don't recall ever being late on this account. In fact, I believe I was on autopay for the entirety of this credit card being open. Please investigate this account, and place it in dispute. Please send me all validation documents and the account statements from the aforementioned months, to prove that I missed those payments. If you are unable to validate these late remarks, or provide any validation documents, please remove this account from my credit report 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 2025-06-20 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX  XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Account credit acceptance # XXXX I am unaware of this dept and did not have the opportunity to dispute this account. If You believe You sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from credit report or I will have to take legal actions.

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 2025-06-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting an re-investigation and removal to the following hard inquires listed on my credit report as I don't agree with your investigation. please see attached dispute result confirmations to these inquires as your company ignored my disputes and my documents I uploaded and sent an generic automated computer response to each of these and the only difference to them where the names of each and the dates. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 non-monetary relief
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Equifax Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 
What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the XXXX window outlined in FCRA 1681i ( a ) ( 1 ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Wrong information reported on credit report & invalid investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
2024 XXXX and XXXX debts incorrect with my data breach quoting code 15 us. And code 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
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 ] Creditor Name : [ 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 2025-06-20 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
To whom it may concern, I have recently reviewed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 15 U.S. Code 1681b. According to the law, credit reporting agencies may only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights. 
XXXX5 U.S. Code 1681b ( a ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, 15 U.S. Code 1681 ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized actions constitute aggravated identity theft under 18 U.S. Code 1028A , which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability.

As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report. 
A copy of my updated credit report reflecting these corrections. 
Please find my FTC Identity Theft Report ( # PUT FTC NUMBER HERE ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records. 
Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Self Financial Inc.
State: PA

Complaint narrative:
To whom it may concern, I have recently reviewed my credit report and identified violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 15 U.S. Code 1681b. According to the law, credit reporting agencies may only furnish a consumer report under specific circumstances, including written instructions from the consumer to whom the report relates. I have not provided any such written instructions, and the presence of the accounts listed below constitutes a violation of my rights. 
15 U.S. Code 1681b ( a ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' Additionally, 15 U.S. Code 1681 ( a ) emphasizes the importance of accurate and fair reporting to maintain the publics confidence in the banking system. This law requires consumer reporting agencies to adopt reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
The following inquiries and accounts appear on my credit report without my consent, making them both inaccurate and unauthorized. This is an egregious violation of my right to privacy : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized actions constitute aggravated identity theft under XXXX U.S. Code 1028A , which criminalizes the knowing transfer, possession, or use of anothers identification without lawful authority. The offenses are punishable by imprisonment and civil liability.

As the consumer, I demand : Immediate deletion of the unauthorized inquiries and fraudulent accounts from my credit report. 
A copy of my updated credit report reflecting these corrections. 
Please find my FTC Identity Theft Report ( # PUT FTC NUMBER HERE ) attached as evidence of my claims. This report further confirms my status as a victim of identity theft. I have also included the necessary information for your records. 
Failure to comply with my request will result in further legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. I expect written confirmation once the requested changes have been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-20 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
Im writing to dispute the late payment remarks reported on my XXXX XXXX  account. The report shows multiple XXXX  XXXX  late payments XX/XX/year> and XX/XX/year>, but this is inaccurate. Ive had auto-pay set up on this account, and payments have always been scheduled to be made on time. To my knowledge, there were no missed or late payments, and I never received any notifications of issues with payment processing. Im requesting that these late marks be investigated and removed from both my account and my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
Im writing to dispute the late payment remarks reported on my XXXX XXXX  account. The report shows multiple XXXX XXXX late payments XX/XX/year> and XX/XX/year>, but this is inaccurate. Ive had auto-pay set up on this account, and payments have always been scheduled to be made on time. To my knowledge, there were no missed or late payments, and I never received any notifications of issues with payment processing. Im requesting that these late marks be investigated and removed from both my account and my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief