vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Balance {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX * * Balance {$760.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance {$220.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Balance {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX * * Balance {$760.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance {$220.00} Therefore, the following accounts must be deleted from my 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 2025-10-15 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : ACCT ADJSTMT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a credit card for a tjmaxx account with Synchrony Bank on XX/XX/year>. In paperwork at store nothing showed a paper statement fee until I received card in the mail on XX/XX/year>. I called company and talked to XXXX and she said no XXXX was available to speak to and she would have XXXX call me. They called me on XX/XX/year> from a potential spam number and I didn't answer it so I called back and talked to XXXX and she said this happens. She said she would escalate it and I got a call back on XX/XX/year> from XXXX. She states they follow XXXX law not any specific state law. She said I would have to escalate it by mail to there headquarters in XXXX. I just want them to follow the law in New York ( NY XXXX XXXX ) That states they can't charge a paper statement fee in New York and XXXX the fee. I appreciate anything you can do for 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
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding a debt that BAY AREA CREDIT SERVIC claims I owe. I dispute the validity of this debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that BAY AREA CREDIT SERVIC provide : Th
e name of the original creditor.

The exact amount of the alleged debt, including any interest, fees, or charges.

Copies of any written contract or agreement that makes me legally responsible for this debt.

Proof that BAY AREA CREDIT SERVIC Documentation showing that BAY AREA CREDIT SERVIC has the authority to collect this debt on behalf of the original creditor. 

Until validation is provided, I request that all collection activity cease, including reporting to credit bureaus, as required by the FDCPA. I also request that all communication regarding this matter be in writing only.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is not a mistake. My credit report contains inaccurate information that is harming my credit and causing serious financial and emotional distress. I demand an immediate re-investigation of these entries and the prompt removal or correction of all inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I went to an ATM located at the Chase branch at XXXX XXXX XXXX, XXXX, FL XXXX, at exactly XXXX XXXXI was going to deposit {$3700.00} to pay my mortgage and my daughter 's school fees, as I have an automatic debit. 

However, when I inserted the money, the ATM jammed. I tried to withdraw {$20.00}, but the screen said that the ATM was out of service. I immediately called Chase customer service, filed a complaint, and was told that I would be credited within two days.

When I checked my mobile app, the claim appeared to be closed. I went to the Chase office, but they couldn't give me any answers. They gave me a card for the vice president, XXXX XXXX, so I could call her in the following days and she could update me on my case, but every time I call, I get no answer. I sent her several emails, but I haven't received a response either. 


I have attached screenshots of a message to my sister informing her that I was going to the ATM, where you can see the denominations of the bills, which were {$20.00} and {$100.00}, as well as a photo and a video of the ATM in the background. You can hear the call to customer service and also the receipt for the {$20.00} I tried to withdraw after the ATM was jammed. 

I really hope you can help me. It has been almost 10 days and I have not been able to get my money. I need to pay the rent. 

It should be noted that since that date, my bank account has been overdrawn. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not grant permission or provide written authorization for these inquiries, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), which requires permissible purpose for any credit inquiry. The inquiries in question are : - XXXX XXXX XXXX XXXX XXXXXX/XX/year> - XXXX XXXX  XX/XX/year> - XXXX XXXX XXXX XX/XX/year> Please investigate these inquiries and remove them from my credit file.

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 2025-10-15 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Americas Car Mart for reporting false and inaccurate information to the credit bureaus and failing to respond to a certified dispute letter I sent on XXXX XXXX XXXX, which was delivered and signed for on XXXX XXXX XXXX ( USPS tracking # XXXX ). 

I financed a vehicle through Americas Car Mart. The vehicle was later towed by XXXX XXXX XXXX in XXXX, TX, and I was informed that the dealership authorized the vehicles release without my consent. The car was reportedly wrecked afterward, and I was never notified or compensated for my loss, even though the insurance company paid {$930.00} related to the incident. 

Despite their negligence, Americas Car Mart is falsely reporting a repossession with a balance of {$17000.00} to all three credit bureaus. This account appears as a derogatory repossession on my credit report ( XXXX XXXX XXXX XXXX  ), which is inaccurate and damaging to my credit standing. 

I dispute the accuracy of this information under FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ). The company was legally obligated to investigate and correct or delete inaccurate information within 30 days but has failed to respond or take any corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
After XX/XX/XXXX I sent a death certificate and letter explaining I can not pay anymore and was canceling my license for cosmetology since I never used it or was paying for it. MY mother was paying it the whole time I didn't know loan was in my name I just co signed it cause I knew I couldn't get a loan I never pursued the XXXX XXXX XXXX. Then I never heard back till XXXX. When I found out I had no credit was getting contacted for student loans. As far as I knew it was forgiven when I filed that form with the certificate. Called them mohela which was fed loan servicing but not anymore I found out. I had loans they didn't have nothing from me. Wouldn't help me or do anything. Hung up on me. XXXX XXXX I don't know what else to do I'm not paying something I already paid down with the forgiveness program I went XXXX. I just need help and off my report

Company response to consumer: In progress
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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 am disputing a collection account that appears on my credit report under XXXX XXXX XXXX XXXX. 
The debt originally came from a company called XXXX XXXX XXXXXXXX, which was owned by my ex-wife. Without my knowledge or consent, she used my personal information to add me as a partner and later assigned a company debt to my name. 
I never authorized this debt, account, or any related transaction. 
I already submitted a formal complaint to the CFPB ( Case # XXXX ) against XXXX XXXX XXXX XXXX XXXX which was referred to the Federal Trade Commission ( FTC ) for identity misuse. 
This debt does not belong to me, and I was not involved in any agreement or contract related to it. 
I am requesting that this collection account be removed from my credit file immediately, as it is the result of identity misuse and inaccurate reporting.

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 2025-10-15 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: FL

Complaint narrative:
I am disputing a collection account that appears on my credit report under XXXX XXXX XXXX XXXX. 
The debt originally came from a company called XXXX XXXX XXXXXXXX, which was owned by my ex-wife. Without my knowledge or consent, she used my personal information to add me as a partner and later assigned a company debt to my name. 
I never authorized this debt, account, or any related transaction. 
I already submitted a formal complaint to the CFPB ( Case # XXXX ) against XXXX XXXX XXXX XXXX XXXX which was referred to the Federal Trade Commission ( FTC ) for identity misuse. 
This debt does not belong to me, and I was not involved in any agreement or contract related to it. 
I am requesting that this collection account be removed from my credit file immediately, as it is the result of identity misuse and inaccurate reporting.

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 2025-10-15 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: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects late payments I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CT

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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
Consumer complaint received 2025-10-15 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

They are reporting a collection account on my credit report that I have disputed and requested validation for under 15 U.S.C. 1692g ( b ). Despite this, they continue to report the debt without providing any proof that it is valid or that they have the legal right to collect it. 

This conduct violates FDCPA 807 & 809 ( b ) for deceptive and unverified collection activity and FCRA 623 ( b ) for failing to investigate and correct inaccurate reporting. Courts have confirmed that collectors must provide meaningful validation ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) ) and can not continue reporting unverified debts ( XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation