vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information listed below, which appears on my credit report, does not relate to any inquires I have ever made. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting this formal complaint against the following creditors and data furnishers for reporting inaccurate and unverifiable information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following accounts and inquiries have been incorrectly reported or improperly verified : XXXX ( Account : XXXXXXXX XXXX  ) High Balance : {$530.00} Date Opened : XX/XX/XXXX Reported Issue : Incorrect late payment reporting. 
I have never made a late payment on this account, and the late payment history reported is false and misleading. This inaccurate reporting has negatively impacted my credit score and reputation. I demand an immediate correction of this information and a re-investigation in compliance with FCRA 611. 

XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Reported Issue : False late payment reporting. 
I have maintained all payments on time. Reporting this account as late is factually incorrect and constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate data. I am requesting immediate correction and removal of the false late payment notation. 

XXXX Date of Inquiry : XX/XX/XXXX Reported Issue : Unauthorized credit inquiry. 
I did not authorize or initiate this inquiry. As per FCRA 604, no person may obtain my credit report without my explicit consent or a permissible purpose. This inquiry must be deleted immediately and the source of the unauthorized access disclosed to me. 

These inaccurate and unauthorized items have caused measurable harm to my creditworthiness and emotional distress. I am requesting the CFPBs assistance in holding these furnishers accountable for their noncompliance and ensuring that my consumer report reflects only accurate and verifiable information. 

I respectfully request : A full investigation into these creditors reporting and verification procedures. 

Immediate correction or deletion of all inaccurate entries. 

Written confirmation of compliance within the timeframe required by law. 

Thank you for your attention and assistance in protecting consumers rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 am writing to file a formal complaint against XXXX for the inaccurate reporting of late payments on my credit file. The following accounts are being reported incorrectly : XXXX Account # XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment XXXX  Account # XXXX High Balance : {$8500.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment I strongly dispute the accuracy of these late payment notations. I have never made a late payment to XXXX for either of these accounts. The reported information is false, misleading, and damaging to my credit reputation. 

I have already contacted the credit reporting agencies to dispute this matter, yet the accounts continue to be reported inaccurately. XXXX has failed to provide proper verification or documentation to substantiate their claim of any late payments as required under the Fair Credit Reporting Act ( FCRA ) 623. 

This inaccurate reporting is a direct violation of the FCRA, which mandates that furnishers of information must ensure complete and accurate data is reported. Their failure to correct this misinformation is causing unjust harm to my creditworthiness. 

I am requesting that the CFPB investigate XXXX  reporting practices and take appropriate enforcement action to ensure compliance with the FCRA. I also request that these inaccurate late payment notations be immediately corrected or removed from my credit file. 

I am attaching copies of my dispute letters, supporting documentation, and recent credit reports for your reference. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate measures to ensure that my consumer rights under federal law are upheld.

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing a formal XXXX factual dispute and complaint against Santander for a repossession/charge-off account that is being inaccurately reported and has caused severe, ongoing harm. This account was reported as a repossession/charge-off and remains derogatory on my credit report even though : I received absolutely no prior notices or billing statements showing a 30-day or 60-day delinquency before a derogatory status or repossession was reported.

I received no verification, no demand for payment, no repossession notice, and no prior written or electronic communication from Santander ( or any agent ) before the account was reported as charged-off/repossessed.

I never received a 1099-C or any documentation of debt cancellation, and there is no proof of proper legal process or repossession chain of custody. 
The furnishing to the credit bureaus violates XXXX reporting guidelines ( accuracy and completeness requirements XXXX 4.2.3/4.3.1 ) and the Fair Credit Reporting Acts furnishing and reinvestigation rules ( 15 U.S.C. 1681s-2 ( b ) and 1681i ).

I have been disputing this account for months ; I first submitted disputes on XX/XX/XXXX and have filed CFPB complaints, yet there has been XXXX valid verification, XXXX correction, and XXXX meaningful communication. No bureau or furnisher has produced documentation proving the accuracy of the repossession, the delinquency notices, or any billing statements showing XXXX 30/60 day notices prior to the charge-off. 
Because of this inaccurate reporting the account has dragged my score down substantially, caused actual damages ( denied credit, higher rates, emotional distress ), and continues to be published as false derogatory information. 
This is a XXXX factual dispute : the accounts status, history, and documentation are demonstrably incomplete and/or inaccurate. Under the FCRA and XXXX standards furnishers must ensure the accuracy and completeness of data they provide to consumer reporting agencies and must properly investigate disputes. Santanders failure to produce documentation and continuing publication of false derogatory data is willful and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DE

Complaint narrative:
I am submitting this complaint regarding inaccurate or unauthorized items on my TransUnion credit report.

1. Charged-Off Accounts : There are charged-off accounts listed that I believe are inaccurate or unverifiable. I request proof of ownership and validation directly from the original creditor. Please delete if proper documentation can not be provided.

2. Inquiries : I am disputing the following inquiries as I do not recall authorizing them. Please verify permissible purpose or remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Positive Accounts : No issues to report. 

XXXX. Late Payments : XXXX XXXX XXXX XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX Please verify the reported late payment ( XXXX ) with the furnisher and remove if unverifiable or 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX. FCRA 602 ( 15 U.S.C. 1681 ) Congressional findings and purpose States that consumers have the right to fair and accurate credit reporting and protection from the dissemination of false or misleading information. 

XXXX. FCRA 611 ( 15 U.S.C. 1681i ) Procedure in case of disputed accuracy Requires credit bureaus to investigate disputed information within XXXX  days and delete or correct any unverifiable or inaccurate data. 

XXXX. FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of furnishers of information ( this applies to NCB Management Services ) This section prohibits companies like NCB from reporting information they know or have reason to believe is inaccurate. 
Once you dispute the information with a credit bureau, the furnisher ( NCB ) is legally required to conduct an investigation and correct or delete any information they can not verify. 

XXXX. FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) Civil liability These sections establish that a company can be held liable for willful or negligent noncompliance with the FCRA, meaning you can pursue damages if they continue to report false information after being notified.

I am writing to file a formal complaint against NCB Management Services for inaccurately reporting a repossession account on my credit report. The account does not belong to me, and I am not the owner, co-signer, or authorized user associated with it. Despite my repeated disputes with the credit reporting agencies and direct contact with NCB Management Services, this false information remains on my credit report.

The company continues to claim I owe approximately {$11000.00}, which is incorrect and unjustified. Below are the details of my complaint : Company Name : NCB Management Services Account Number ( if known ) : [ Insert account or reference number if available ] Amount Claimed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am writing to dispute the following items on my credit report. I have been the victim of several data breaches, which have resulted in the exposure of my personal information to the public. As a result, I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected on my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

TransUnion I am disputing the following items on my credit report. Due to multiple data breaches, my personal information has been compromised, and I respectfully request that the following be reviewed. If these items can not be verified, I request their removal as outlined in the Fair Credit Reporting Act. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 dispute the following items on my credit report that I believe are inaccurate. I request that these items be reviewed, and if they can not be verified, I respectfully request that they be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

EQUIFAX ( EQ ) : Account Name : XXXX XXXX - XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : This account is inaccurately reported as charged off. I request that the status of this account be corrected if it can not be verified. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is reported with an incorrect balance. I request verification of the reported information, and if it can not be verified, I request removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
They reported we were late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We were not late. XXXX  XXXX their client issued a credit because our solar system had issues. We were told this was handled yet this is still reporting on my credit. Ive reached out for this to be updated and Good Leap has not complied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have never received any statements nor did I opt into paperless billing. They are charging me XXXX {$25.00} late fees when I never received a statement nor did I opt into paperless billing as they state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
ON XXXX XXXX, XXXX  I SENT A CERTIFIED LETTER TO THE XXXX  XXXX XXXX XXXX DEMANDING THEY APPROPRIATELY REMEDY THEIR REPORTING REGARDING MY ACCOUNT INFO. THEY HAVE NOT RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom It XXXX Concern : I am writing to contest inaccurate and fraudulent information appearing on my credit report in accordance with XXXX XXXX. XXXX, and to formally request the blocking and deletion of this erroneous data. 
It was not possible to file a report with the FTC because the system is currently not available. For this reason, I am including an affidavit listing the accounts and inquiries that I do not recognize. I request that these accounts and inquiries be removed as soon as possible and treated as urgent. As required by law, upon submission of an identity theft report, credit reporting agencies must block any information identified as stemming from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : Inquiries to be removed : XXXX XXXX XX/XX/year> I do not recognize or acknowledge this account/inquiry as mine. It was not opened, authorized, or initiated by me. Reporting this account constitutes a violation of my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681b Prohibitions on impermissible use and reporting of non-public consumer information. 


I request the immediate removal of the fraudulent account ( XXXX ) and inquiries listed above from my credit report. Copies of this packet have been transmitted to your office via Certified Mail and/or Fax for proper record. 

Sincerely,

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have repeatedly asked radius solutions to send correspondence via letters and they keep calling me. Even on a recorded line they admitted that they know this but are still calling my phone.

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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint because the company is attempting to collect an inaccurate apartment debt of {$14000.00}. Their ledger falsely claims I remained in the unit through XX/XX/year>. However, I vacated the property months earlier. 

I have attached ( XXXX ) my new address ledger, ( XXXX ) my XXXX utility bill showing that my final bill was forwarded to my new XXXX address These documents clearly prove that I did not reside there during the billing period being claimed. I am requesting that the inaccurate balance be removed, and that all credit reporting and collection activity on this account be suspended pending verification.

Company response to consumer: Closed with explanation