vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Traded old lease for new lease XX/XX/XXXX Noticed in XXXX XXXX that old account reopened with a balance ( ~ {$700.00} ) even though the deal called out the balance to be paid by dealership and early termination waved since it was with same company and within a certain time frame. Tried reaching out to finance company with no resolution and at times their customer service being openly rude and mocking. Tried reaching out to dealership with no response for weeks. Bad review left of dealership in XXXX XXXX. Dealership finally reaches back out with promise to fix the mistake and the confirm it as a mistake between them and finance company in return for me updating my review. As of XX/XX/XXXX Dealership claims to have sent letters to finance company resolving issue and bad remarks to be removed from my account. 
Finance company refuses to look into matter they simply say I need to pay balance and they are not responsible for anything else. 
This issue is preventing me from obtaining a mortgage.

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 2025-06-08 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:
I am a victim of identity theft. My sensitive personal information was compromised in multiple data breaches, including the 2025 Equifax breach. As a result, unauthorized accounts are being reported on my credit reports. I submitted an FTC Identity Theft Report ( # XXXX ) and issued FCRA Section 605B dispute letters to all three CRAs with supporting documentation ( ID, proof of address, notarized affidavit, and list of fraudulent accounts ). 

Despite this, negative and fraudulent accounts remain on my credit file, including but not limited to : XXXX XXXX - {$18000.00} ( Account # XXXX ) XXXX XXXX XXXX XXXX {$1500.00} credit card & {$5000.00} secured loan ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) These accounts were not opened or authorized by me. I requested a block of these items per FCRA 605B, which requires action within 4 business days. The bureaus and furnishers have failed to comply.

I am requesting the CFPB enforce compliance under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), and require the bureaus to : Block all fraudulent accounts Notify furnishers of blocked items Prevent re-reporting of these accounts Remove inaccurate addresses/inquiries associated with 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 2025-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I gave my title to a XXXX XXXX XXXX in XX/XX/XXXX to Title Max for {$3000.00} loan and paid that amount back by XXXX with {$450.00} payments on a fixed budget with my social security! They repossessed it when I stopped payment as they applied it to interest and not to principle! The military was exempted in XXXX from predatory lending taking advantage of military families!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

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 XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Was not sent anything showing interest would occur immediately. My balance went from XXXX. If I wouldve know that, I wouldve tried hard to pay it off. 
Care Credit has sneaky practices when youre in hospital or need medical help. 
When I called, no help. Just said my interest became due in XX/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 monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Triying collect a illegal XXXX XXXX that is not mine. This was during covid I already moved out and was not my bill. I reported to CFB

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/XXXXdid not conduct proper investigation into my identity theft and in turn sold this debt into collections this debt is a direct result from Identity theft I had include a FTC report to confirm the charges are that of Identity theft. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
The credit reporting companies, Equifax, Experian, and TransUnion have committed data breach regarding my credit reports.

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 2025-06-08 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: GA

Complaint narrative:
The credit reporting companies, Equifax, Experian, and TransUnion have committed data breach regarding my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
My name is XXXX XXXX, my Social Security number is XXXX, and my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request persuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. This fraudulent, inaccurate, and false information consists of a lending account opened with XXXX XXXX XXXX XXXXn XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a phone account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a lease account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  an auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a student loan account opened with XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a personal loan account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXX XXXX XXXX XXXXn XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an unsecured loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a loan account opened with XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a utility account opened with XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-09 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: SC

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate items be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate items be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 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 2025-06-08 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: TX

Complaint narrative:
I have authorized credit inquiries on my report that I did not authorize or known about until today

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please provide me how you conducted your investigation. Show me each piece of paper i asked for thats listed in my letter if you can't do show you are required to delete each account listeded in my dispute according to FCRA law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Inc.
State: VA

Complaint narrative:
I subscribed to a XXXX XXXX XXXX XXXX XXXX and I went to change my email account and had been hacked and well the hacker saw on their phone that I deleted the account. So when I called the customer service they pretended to be customer service people. Masking changing voices and leading me to believe that they can't do anything to refund my money also the same with Chime Banking they are doing the same.I tried to dispute the charge and my phone is being recorded so they are watching every thing that is on my phone illegal. Also if is happening to me they are doing to other people. A lot of my money and personal information has been stolen and also these are a ring of thieves. Putting them on notice will let the public know what damage they are doing. Money is short but if it yours you don't want someone taking it for kicks. Then making Jokes on social media platforms about how they do it NXXXX XXXX XXXX XXXX  are running around in treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
My identity was compromise a while ago, My wallet was stolen our of my car and glove compartment was broken into. In XXXX of this year I noticed on my credit report accounts I did not authorize. I contacted the police department and was advised to make a formal complaint and File a FTC report and send to the credit agencies -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 2025-06-08 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 identity was compromise a while ago, My wallet was stolen our of my car and glove compartment was broken into. In XXXX of this year I noticed on my credit report accounts I did not authorize. I contacted the police department and was advised to make a formal complaint and File a FTC report and send to the credit agencies -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FMA Alliance, Ltd.
State: TN

Complaint narrative:
FMA Alliance , Ltd. is a debt collector who communicated with me everyday since XX/XX/XXXX attempting to collect debt on behalf of XXXX XXXX XXXX XXXX ( Acct XXXX ending XXXX ) who purchased debt of {$380.00} on XXXX XXXX account number ending * XXXX and/or * XXXX. XXXX XXXX XXXX previous debt collector was XXXX XXXX XXXX XXXX XXXX ( see attached CFPB Complaint ID XXXX ). I've informed XXXX XXXX XXXX that this is a fraudulent account and fraudulent purchase from " XXXX XXXX  '' catalog - sandals. The below information was extracted from card statements provided in the attachments which were mailed to me on XXXX, XXXX ; by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The charges consists of : XX/XX/XXXX - XXXX XXXX CATALOG PURCHASE - CATALOG - SANDALS- {$80.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - LATE FEES - {$29.00}, {$35.00}, {$40.00} & {$40.00} INTEREST CHARGES - {$2.00}, {$2.00}, {$3.00} & {$4.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - LATE FEES - {$41.00}, {$41.00} & {$41.00} INTEREST CHARGES - {$5.00}, {$6.00} & {$7.00} Additionally, these statements show my address in Ohio which I've not lived at since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
In late 2020, my phone and SIM card were stolen. The person who stole it accessed my mobile account and made unauthorized charges using XXXX XXXX service. As a result, a charge of {$1100.00} was added to my account. 

I contacted XXXX and explained that only one month of service was legitimately mine, and the rest were fraudulent charges made after the theft. Despite this, they did not correct the balance and instead transferred the full amount to collections. 

Eastern Account System is now reporting the full {$1100.00} as a collection on my credit report. I formally disputed the charges with both companies and provided the necessary information showing that the majority of the debt was unauthorized. 

Even after the dispute, neither company has removed the fraudulent charges or corrected my credit report. I am only responsible for a single month of service, and Im asking for help getting the incorrect balance removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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