vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I am writing regarding the unfair and deceptive practices undertaken by CREDIT CORP SOLUTIONS , INC.I recently was served with a lawsuit concerning an alleged old debt, that I know is not valid and is subject to potential violations of the Fair Debt Collection Practices Act ( FDCPA ) CREDIT CORP SOLUTIONS , INC. has violated several provisions of the FDCPA, including but not limited to : - Section 805 ( a ) ( 1 ) : CREDIT CORP SOLUTIONS , INC hired an armed courier to come to my home and serve me at a time or place that was inconvenient or inappropriate, causing significant distress.

- Section 806 : CREDIT CORP SOLUTIONS , INC. utilized harassing, oppressive, or abusive means in seeking to collect the alleged debt. 
Right to Privacy and Embarrassment * * : The manner in which this debt was pursued directly infringes on my right to privacy. I was imposed on by a paid arm courier who attempted to serve legal documents in an inappropriate and public manner, leading to embarrassment and added stress Statute of Limitations * * : The debt in question is old per affidavit was opened up 2017 debts typically have a statute of limitations of 4-7 years and pursuing any legal action regarding this debt is not only unwarranted but also legally unsound, as it is past the allowable timeframe for collection. Also, CREDIT CORP SOLUTIONS alleged that a payment posted to the account 7/2/2019 I have never received any documentation or agreements explicitly stating that CREDIT CORP SOLUTIONS conducted business with me. Claims made concerning this debt lack the necessary transparency and lack of evidence. CREDIT CORP SOLUTIONS served me an affidavit based on " hearsay '', no proper evidence showing that I owe a debt or where the amount came from. nothing backing up their claim. I am formally disputing the validity of this debt and requesting CREDIT CORP SOLUTIONS cease and desist all credit collections efforts. I feel it necessary to bring this situation to your attention, as I believe the debt collector 's actions not only infringe upon my rights but may also violated federal laws in the process and I am requesting the CFPB to investigate this situation. I appreciate your prompt attention to this matter and trust in your ability to uphold consumer protection laws effectively. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to express my profound frustration with the ongoing, seemingly deliberate obstacles preventing access to my Equifax credit reporting account - specifically, my attempts to freeze my credit in response to growing identity theft concerns. 

For months, I have systematically attempted to access my account using verified credentials, only to be repeatedly blocked by what can only be described as a fundamentally broken authentication system. These are not occasional glitches, but a persistent pattern of systematic failure that raises serious questions about Equifax 's technical competence and commitment to consumer access. 

The real-world implications of this failure are significant. As a consumer dependent on timely credit monitoring, these repeated blockages : Prevent critical financial oversight Create unnecessary stress and uncertainty Potentially expose me to undetected credit risks I require a comprehensive, detailed response addressing : The specific technical failures causing these login interruptions A concrete timeline for complete system resolution Compensation for the time and emotional labor expended in attempting to resolve this issue My patience is exhausted. I expect a substantive, actionable response within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I got a Denial Notice on an application that i did not apply for.

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 2025-08-09 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 2025-08-09 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: PA

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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
This company sent me a letter stating that my license plate on a vehicle that I sold earlier this year was charged a toll on the XXXX XXXX  XXXX XXXX. in Virginia when not only do I no longer own the vehicle, but the people who bought it change the registration the day after I sold them the vehicle And this license plate no longer exists. If you read the reviews on this national debt collection company. They are scamming people with these fake toll charge letters and trying to collect money from millions of people. Total scam and they should be charged with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : Chapter XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX {$6500.00} {$0.00} REPORTING ON ALL BUREAU ( EXPERIANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX {$0.00} {$5300.00} REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$12000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$4500.00} REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$760.00} REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING XXXX ALL BUREAU ( EXPERIAN, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BUREAU ( EXPERIAN, XXXX XXXX XXXXXXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: MA

Complaint narrative:
Carvana LLC delivered two undriveable vehicles. Under their return policy and within their guidelines both vehicles have been returned and in their possession. The XXXX  XXXX as the most recent has today been placed on my credit report and Im receiving calls stating my bill is due. XXXX is the loan holder who can not cancel account on my word only. We had a conference call and I was supposed to see this resolved in 24-48 hours. Carvana is fraudulent billing me for a car loan that should have been closed when they received the vehicle weeks ago. Please see confirmation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-08-09 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: Experian Information Solutions 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

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. 

FRAUDULENT ACCOUNTS : Account Name : US BKPT CT XXXX  XXXXXXXX XXXX # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have held a XXXX XXXX account for approximately 3 years. On XX/XX/year>2025, the company changed its legal entity name from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. This was a name change only and my account remains open and in good standing. 

My account has never appeared on my TransUnion credit report at any point in the past 3 years. I have disputed this issue twice, and both times XXXX has claimed to be reporting but provided no evidence. 

Timeline : XX/XX/scrub> 2025 I contacted XXXX, provided screenshots from my TransUnion report showing my account is missing, and requested an investigation. 
XXXX XXXX, 2025 XXXX responded that they are reporting correctly to all three credit bureaus but did not provide proof or verification. 
XX/XX/year>2025 After speaking with TransUnion, I was told to contact XXXX again and request proof of reporting. The XXXX representative stated she could not provide proof but could file a second dispute. I agreed. 
XX/XX/year>2025 XXXX responded to the second dispute with the same generic reporting correctly message, again with no proof or verification. 

On XX/XX/scrub>, 2025, I sent a formal request to XXXX for a Reporting Verification Letter confirming that they are furnishing to TransUnion, including the date of last reporting and details of what is reported. As of today, they have not responded at all. 

XXXX has failed to conduct a reasonable investigation into my disputes, as required by the Fair Credit Reporting Act ( FCRA ), and has failed to correct the inaccurate/incomplete 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 2025-08-09 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting to all credit bureaus that this account ( # XXXXXXXX XXXX XXXX XXXX  ) was charged off. A 1099 was never received after the account was charged off from the creditor. Account underwent a debt consolidation plan and payments have been paid.

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 2025-08-09 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: NJ

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX to Experian, TransUnion, and Equifax, and I believe that this entry is inaccurate. 

The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX  regarding this account should not be included in my consumer credit report. 

U.S. Code 1681a ( 2 ) ( A ) i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX XXXX  can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payment ( s ) in Question : XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Thank you for your prompt attention to this matter. I look forward to your response and information that the disputed late payment entry has been removed.

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