vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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:
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 questions, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts I did not authorize or sign 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 XXXX. 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 2025-11-15 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:
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 questions, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts I did not authorize or sign 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 XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am not allowed to access the synchrony bank online account

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 2025-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Experian continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I attempted to open a dispute with Capital One regarding a delinquent account reported by XXXX XXXX XXXX XXXX ( XXXX ). Despite being able to see the delinquent account live on the Capital One app, the representative claimed there was no record of the account and refused to open a dispute or issue a case number. I am now unable to formally dispute this credit item, and my score has dropped from XXXX to XXXX. This is a violation of FCRA, which requires credit furnishers to allow and respond to disputes in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2025-11-15 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: OH

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement to provide essential context regarding the fraudulent activity appearing on my credit and consumer reports. This activity is not simply a financial oversight ; it is a direct consequence of identity theft resulting from the large-scale data breach at XXXX  responsible for the breach.This consumer credit reporting agency. 
The impact of this security failure has not only caused significant financial injury but has fundamentally derailed my ability to pursue basic life goals, making it exceptionally difficult to move forward. 
The fraudulent accounts, inquiries, and collections placed on my record due to this identity theft have created a devastating cycle of failure in my attempts to establish stability.I have been denied rental applications and mortgage pre-approvals on separate occasions over the last years. Landlords and lenders cite the severe derogatory marks on my consumer report, specifically pointing to the fraudulent accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am currently forced to live with family the inability to secure stable, long-term housing due to errors that are not mine is a constant, suffocating XXXX.The required background and credit checks for positions such as XXXX  for XXXX basic resulted in job offers being rescinded or applications being rejected. My professional advancement has been stagnated, purely because my consumer report suggests a level of financial instability that is entirely fabricated by criminal activity.Beyond the financial damages, the time and emotional energy spent fighting this fraud has been overwhelming. I have spent approximately hours over the last 11 months.This ongoing administrative burden has severely impacted my mental health and my ability to focus on work and personal well-being. I feel perpetually stuck, exhausting all my resources just to prove who I am not, rather than being able to focus on my future. 
I urge you to consider the profound personal XXXX  and hardship caused by the negligent handling of my data. This is not a clerical error ; this is an issue of identity fraud that has imposed a near-impossible barrier to me leading a stable, independent life. 
I demand swift and comprehensive action to fully resolve these fraudulent entries, consistent with the requirements of the Fair Credit Reporting Act ( FCRA ). 
Sincerely, 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 2025-11-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2025-11-15 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 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.

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 2025-11-15 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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit file by XXXX XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX which has resulted in multiple erroneous late payment entries : a 30-day late in XX/XX/year> reported on TransUnion, and both 30-day and 60-day late entries reported on Equifax, despite my account balance being {$0.00} and all payments having been made on time. These inaccuracies have negatively affected my creditworthiness, and I am disputing them under the Fair Credit Reporting Act, including 1666 ( Correction of Billing Errors ), 611 ( Dispute Inaccurate Info with Credit Bureaus ), and 623 ( a ) ( 2 ) and 623 ( b ) ( Duty to Correct, Update, and Investigate Disputed Information ). XXXX XXXX XXXX  appears to have failed in its duty to investigate and correct reporting errors, and the credit bureaus have not updated my file to accurately reflect my payment history. This misreporting is causing ongoing financial harm and XXXX, and I request the CFPBs assistance to ensure that the inaccurate late payment information is fully investigated and corrected across all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
What happened was I bought the car in XXXX ky and was paying XXXX a month on it, and the car was driving fine until I got a oil change and got it checked out by my mechanic to find out that it had a blown head gasket that was sealed up and never fixed I bought the car back in 2019 and only had it for a few months til I found out about the blown head and contacted the Carlot in XXXX ky to come pick the car up as I was already 3 payments ahead and I told them the location of the car was at because I couldnt drive it and everyday they told me they was gon na have someone come pick the car up until months go by til my payment is due they call for a payment when I was calling them everyday to go get the car because I told them Im not paying on a car I cant drive when they sold me a car that wasnt even fixed up when they sold it to me. It was the same carlot in XXXX ky that changed they carlot name 3 times because they get over on people now Im stuck without the car and still owe money on the car because they wouldnt come get it.

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 2025-11-15 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: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and that my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts & addresses have been opened in my name, and inaccurate information has been added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
This account does not belong to me and is being reported incorrectly

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 2025-11-15 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:
This account does not belong to me and is being reported incorrectly

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 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Subject : Incorrect XXXX XXXX  Collection Reported by Credit Collection Services ( CCS ) I am filing this complaint because Credit Collection Services ( CCS ) and XXXX XXXX are reporting a collection account on my credit report that is incorrect, unsupported, and should be removed immediately. 

Here is what happened : 1. I canceled my XXXX auto policy and received a refund. 
I have proof from my bank account showing a {$450.00} charge on XX/XX/year> and then a refund of {$250.00} on XX/XX/year> from XXXX. 
A cancellation refund clearly means the policy was terminated and no additional balance was due. 
2. XXXX never contacted me about any unpaid balance after the refund. 
I received XXXX mailed bills, XXXX emails, and XXXX official notices from XXXX. 
The XXXX app shows No eligible policies available, which confirms the policy was already cancelled. 
3. The only contact I received months later was from CCS not XXXX. 
CCS texted me claiming I owed a balance, but provided no itemized bill, no breakdown, and no explanation of how a balance could exist after a refund was issued. 
Under federal law ( FDCPA ), a debt collector must provide verification of the debt upon first contact. CCS did not.

4. This collection is inaccurate and violates the FCRA.

You can not refund a customer and then later claim they owe a past-due balance without ever sending a bill or explaining the charge. 
No valid debt exists, and neither XXXX nor CCS has provided documentation showing otherwise. 
5. This error has damaged my credit.

My derogatory marks changed from 0 to 1 because of this inaccurate collection.

I am being penalized for a debt I do not owe and was never notified about. 

I am requesting the CFPB to take the following actions : Require XXXX and CCS to provide full proof that any balance is legitimate ( itemized bill, dates, charges ). 
Require removal of the collection from all credit bureaus ( XXXX XXXX XXXX  ) if they can not produce valid documentation. 
Investigate Allstates failure to notify me of any debt prior to sending it to collections. 
Investigate CCS for reporting an unverified and invalid debt. 

All evidence is attached : Bank transaction showing XXXX refund XXXX app screenshot showing no active policy Text messages from CCS No prior balance notices from XXXX This collection is false, unvalidated, and harmful, and I am requesting full deletion from my credit report. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation