vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: WA

Complaint narrative:
My aunt passed away from XXXX recently and we traveled to California to attend the funeral. We rented a car from XXXX XXXX, which is a new company to us and we were willing to give them a chance. Unfortunately, it's been a nightmare with XXXX XXXX claiming that we cause {$600.00} to over {$700.00} damage to their car when we did not cause it. When picked up the car from the airport after long wait in their lobby, we signed rental paperwork and was told to drive the car without anyone told us to check for damages and note any damages like any other car rental companies I used before. Nothing in the rental document we signed stated that car is completely brand new with no scratches whatsoever. Yet the company claimed that their " investigation '' showed we cause damages with XXXX supporting evidences provided. The company refused to provide any car condition information before we rented the car. When we returned the car, their representative noted the scratches on the front of car. When I asked him if we would be charge for it, he said he " wouldn't do that '' to us. I have been trying to work with XXXX XXXX rental and now they got this collection company to conduct their scammy business practice as well. Many other XXXX customers have reported this problem as well online. We used many other reputable car rental companies over the years and have never encountered this scam before. We will never rent a car from XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$7300.00}

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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: UT

Complaint narrative:
Formal Complaint to the CFPB XXXXXXXX XXXX XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX XXXXXXXX and the credit reporting agencies XXXX XXXX and TransUnion for reporting inaccurate and misleading negative information on my credit file related to this account. These actions violate multiple federal laws and are harming my credit profile without justification. 

Issue Summary : This revolving charge account was opened on XX/XX/XXXX, with a credit limit of {$300.00} and a high balance of {$330.00}. 

The account is fully paid and active with a {$0.00} balance, and no ongoing delinquency. 

Nonetheless, all three bureaus are reporting a 30-day late payment, despite : XXXX showing the last payment made on XX/XX/XXXX and status as " Current ''. 

TransUnion showing the last payment on XX/XX/XXXX and account as paid. 

Experian reporting a late payment for XX/XX/XXXX, but no missed payments since. 

These negative marks are unwarranted, especially as the account is paid and not in default. 

All reports currently list the account as Negative, which is inconsistent with the data and unfairly impacts my credit. 

Federal Law Violations : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus are legally obligated to ensure the maximum possible accuracy of reported information. 

1681i : Failure to correct or remove inaccurate or outdated information. 

1681s-2 ( b ) : Furnishers ( XXXX XXXXXXXX XXXX ) failed to properly investigate and update the record after notification of discrepancies. 

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting of account status and payment activity misrepresents the terms and consumer behavior, violating principles of accurate credit disclosure. 

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Sharing erroneous financial data with third parties ( bureaus ) without due diligence demonstrates failure to maintain confidentiality and safeguard consumer data integrity. 

4. CARES Act ( if applicable ) : If payment arrangements or COVID-19 accommodations were made, reporting late payments during protected periods may violate the amendment to the FCRA under the CARES Act. 

Damages : Due to this false and negative reporting, my credit score has suffered unjustified harm, affecting my ability to access credit, secure favorable loan terms, and build financial stability. This information is not only false but creates long-term financial consequences that are completely avoidable.

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 2025-05-21 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : DPT ED/XXXX XXXXXX/XX/XXXXDate XXXX Balance : {$5600.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Balance : {$7700.00}XX/XX/XXXXBalance : {$15000.00} XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-21 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: IL

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have noticed that the order of my transactions are being posted to my account does NOT equal to when the transactions were made. These are debit card transactions that should be debited instantly. However, I noticed that some of them are being held over for at least 24-36 hrs. to be able to charge my account a overdraft fee. I also have overdraft disabled but still get these charges. I am requesting an investigation on whether or not my account is being targeted by government officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-21 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: UT

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My fiance tried to use her card ( authorized user ) and was declined so I called. They said I was dead and would reverse changes. I never missed a payment or had any problems with card till now. The said I would get a cal within XXXX days and I never received one. I called back the said XXXX day. I explained my payment is coming up and want to pay. I paid {$100.00}. I called back 5 days later and they said I would received letter in mail. Have not received nothing. I have been in great standings with Capital One and don't have any other problems with my credit cards. 
I also asked if I could send in or email my information that I am alive they said not not needed. I also said don't you need a death certificate to do theis. They said no. 
I was marked dead about XXXX years ago when I got divorced and had to get all documents stating I am not and everything was corrected now this happens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being

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 2025-05-21 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: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being

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 2025-05-21 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy as required. These reporting errors are having a significant and ongoing negative impact on my financial stability and personal well-being. 
This situation is placing an undue burden on me during an already difficult time.

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 2025-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I was XXXX on XXXX  XXXX  orders from XX/XX/XXXX through XX/XX/XXXX. I submitted my orders and requested a forbearance since I could not cover the mortgage and the rent I would have to pay at the temporary location in which I was XXXX to. Carrington Mortgage told me I was good and not to worry. I found out through real estate agents that my house was in pre-foreclosure. I came back from the XXXX to find Carrington had hired a third party to come into my home, break the lock off the door, change it, lock the garage, and turn off the water. This was the same day I had my household goods being delivered. Carrington has repeatedly denied doing it, but the third party was under contract by Carrington. I have asked them to fix this and put me in the forbearance I was entitled to under SCRA, they haven't. Almost XXXX years later, I now have an " offer '' to modify the loan from Carrington. My original XXXX was XXXX  % for XXXX  months with a monthly payment of about {$3600.00}, the offer is ay XXXX  % for XXXX  months with a monthly payment of about {$4800.00}. I can, in no way afford this. In the current market, because of the principle now being increased by $ XXXX, I couldn't sell the home without a huge loss, nor could I rent it out to cover a {$4800.00} payment, and I can't afford to pay that either. This new offer would double the interest they would make. I feel as if they violated my rights as a service member and are trying to take advantage of me by making twice the money they would have. not mention, they have been reporting the mortgage to my credit when I was supposed to be in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-21 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief