vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am disputing unauthorized inquiries listed on my ChexSystems consumer report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave written or verbal permission for these institutions to access or pull my consumer report. 

I requested verification and proper authorization under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), 609 ( a ) ( 1 ), and 623 ( a ). ChexSystems failed to produce any documentation, no signed application, no written authorization, no account relationship, and no clear method of verification. 

This is a clear violation of federal consumer protection laws. These inquiries are not mine, were not authorized, and ChexSystems has not fulfilled its obligation to validate them. 

I am demanding full removal of these inquiries and correction of my consumer file 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 explanation
Consumer complaint received 2025-08-01 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:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX of Transworld systems is the case manager for this issue and is refusing to answer her phone and is refusing to call me back even thought Transworld systems told her to address my problem. My credit is being ruined by this company and its causing me great psychological distress. I have called this company on several occasions and they keep telling me to call XXXX XXXX. They have told me 5 times that they have told XXXX XXXX to call me and have been calling her for weeks, she refuses to call me back. I will be calling police as well as the FBI/ XXXX XXXX for purposefully refusing to address my credit issues, violating my rights, and allowing it to damage my credit report. I will also be talking to the attorney general in south Carolina, and filing a lawsuit against Transworld systems and XXXX XXXX for psychological distress, purposefully refusing to communicate, and refusal to return phone calls. REMOVE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I am the actual consumer and the victim of identity theft. I am not using any third-party companythis dispute is being filed by me directly. Fraudulent accounts and unauthorized credit inquiries have been reported on my credit file without my consent or initiation. 

Despite submitting a complete identity theft report package, including : My FTC Identity Theft Report A copy of my government-issued ID Proof of address ( utility bill ) A copy of my Social Security card these items remain on my report in violation of federal law. The fraudulent accounts and inquiries include : XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Account # : XXXX This situation violates the following provisions of the Fair Credit Reporting Act and federal criminal statutes : 15 USC 1681b ( c ) Prohibits reporting inquiries for credit/insurance without consumer authorization 18 U.S.C. 1028A Aggravated Identity Theft ; this is a federal offense 15 USC 1681c2 Requires blocking of fraudulent information within 4 business days after receiving a valid identity theft report Your continued failure to act is negligent and is causing financial and emotional harm by allowing criminally obtained data to remain on my 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
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX the company XXXX has been reporting 90 days late on my credit report. 1. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am writing to formally dispute inaccurate information on my credit report that is the result of identity theft. As permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
XXXX XXXX XXXX  the company XXXX has been reporting 90 days late on my credit report. 1. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am writing to formally dispute inaccurate information on my credit report that is the result of identity theft. As permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block this fraudulent information from 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 2025-08-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed a late payment reflected in my credit report that does not align with my payment history. I have maintained timely payments and have not failed to meet any due dates. This appears to be a reporting mistake, and I am requesting a full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Please consider this a formal dispute of an account appearing on my credit report that is completely unrelated to me. I did not open the account in question, have no association with the company reporting it, and believe it to be fraudulent.

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 2025-08-01 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: NV

Complaint narrative:
I noticed a late payment on my credit report that does not match my actual payment history. I verified through my records that this payment was submitted on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In 2022, I had a surgical consult with a company called XXXX XXXX  for a possible XXXX XXXX. I had recently had a XXXX  removed that was thought to be XXXX  though and had complications with XXXX  during the XXXX XXXX XXXXXXXX, and therefore XXXX XXXX stated that I could not move forward with any XXXX. I was told that no billing would process because the consult is free. Any previous discussions about surgical loans or billing was closed out, by what I was told. After the consult I did not speak with anyone about any surgical stuff or billing or anything further. About a year later I got a notice on my credit report that XXXX XXXX had opened and billed a loan through Synchrony XXXX for the cost of the XXXX XXXX  XXXX. I reached out to XXXX who stated it did not ever bill. I reached out to Synchrony to dispute it and was told it was resolved and closing due to being opened and billed fraudulently. I never received any funds from this company. Today summons were given to someone at my house ( not even served to me and I was not home, and it was not my spouse ) from XXXX XXXX, attempting to sue me for the cost of the XXXX claiming Breach of contract. There was never a contract, I was denied services due to complications with XXXX  so theyre surgeons would not move forward. I attempted to reach out to XXXX associates, as I have not had any other correspondence with the company, but I kept getting sent to a voicemail.

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 monetary relief
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-01 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-01 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: VA

Complaint narrative:
This follow up complaint serves as my 4th formal request to address and correct unauthorized reporting on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). Under this provision, no person or entity shall use or obtain a consumer report without a permissible purpose as defined by federal law.

I am once again disputing the continued reporting and/or inquiries related to the following items as they appear to have accessed or reported to my credit file without proper authorization or legal basis : Items to be Removed or Investigated 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 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 explanation
Consumer complaint received 2025-08-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank Delaware had access of my credit report. I believe I'm a victim of identity theft.

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 2025-08-01 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: NY

Complaint narrative:
I am writing to formally dispute a late payment that is incorrectly listed on my credit report. I maintain detailed records and have verified that no such late payment occurred for the reporting period in question.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I did a voluntary repossession because the vehicle broke down on me in the same month and they said they was going to fix the vehicle and didnt. They called and asked where the vehicle was and I told them, they came and picked it up put it on my credit, sold the vehicle and stuck me with the high amount to pay back on a vehicle. Every year I call them trying to settle this problem so I can get it off my credit but they keep talking about I can do a settlement which doesnt make any sense especially with the high interest rate they stuck me with.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : Re : Dispute of Repossession Reporting Account # XXXX I am writing to formally dispute the reporting of a repossession on my credit report regarding the auto loan I held with Credit Acceptance. According to my signed contract, I purchased GAP insurance coverage for {$570.00} at the time of vehicle purchase, which was intended to protect against any deficiency balance in the event of a total loss or repossession. 

Despite this coverage being included in my financing agreement, the account is still being reported with a negative balance and derogatory status. I am requesting the following : 1. Immediate investigation into whether a GAP insurance claim was filed and/or paid on my behalf ; 2. Confirmation of how any claim funds were applied to the account ; 3. Correction or removal of the repossession and/or associated balance from my credit report ; 4. A complete accounting of how the deficiency balance was determined, if one still exists.

The GAP coverage I purchased through Credit Acceptance should have been automatically initiated at the time of repossession. If the claim was never filed, I was not informed that I needed to initiate it separately and as the seller and servicer of the GAP policy, Credit Acceptance held that responsibility.

This inaccurate and incomplete reporting has negatively impacted my credit profile, and I respectfully request that the repossession entry be removed entirely, or at minimum updated to reflect a {$0.00} balance or paid/settled status, consistent with my GAP coverage. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and respond with your findings and resolution within 30 days. 

Attached : A copy of my loan agreement showing the {$570.00} GAP insurance fee ; A copy of the credit report entry being disputed. 

Thank you for your attention to 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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX De La XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : Accounts ending in XXXX, XXXX, XXXX This letter serves as formal notice regarding your continued communications dated XX/XX/year>, and prior, concerning the above-referenced accounts. As previously communicated to you in writing, I have issued a Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which prohibits further communication from your office regarding these accounts.

Despite your own acknowledgement in your response to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, that all referenced accounts are marked Cease and Desist, you have continued to send mailings attempting to collect on these alleged debts. This is a direct and ongoing violation of federal law. 

Furthermore, your letters fail to provide legally sufficient validation of the debts under 15 U.S.C. 1692g. Simply stating the alleged amount owed and internal account numbers is not verification. No original signed contract, full accounting history, or chain of title evidencing legal ownership of the debt has been provided.

You are also in violation of 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations. Your continued contact gives the false impression that these debts are fully verified and enforceable, which they are not. Additionally, you violate 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act by continuing collection activity without proper investigation and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to dispute a late payment entry recently reported on my credit profile. After reviewing my financial statements and banking records, I can confirm that all payments were submitted on time and no delays occurred. I have always managed my financial commitments responsibly and find this derogatory mark to be entirely inaccurate.

Company response to consumer: Closed with explanation