vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: AR

Complaint narrative:
I rented the apartment XX/XX/year> when I was moving to XXXX XXXX. I got a bad case of XXXX XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was admitted into the hospital, spent time in XXXX and was eventually XXXX back to my apartment XXXX XXXXXXXX XXXX. Upon returning home, I realized that there was no handrail at the entrance of the building. Although there were only XXXX steps, without anything to hold onto, I had to crawl up them in my hands and knees and then crawl to the wall to use for balance in trying to stand up. I had severe weakness, balance issues and I deteriorated while sick with XXXX. I immediately reported my difficulties to management but when I moved out at the end of XXXX, there was still no handrail placed. In fact the rail was not placed until XXXX. I am attaching all relevant documentation including proof that I paid everything that I owed except the {$1000.00} early termination fee. I do not feel that I owe that since the handrail was not placed for XXXX month after explaining I was unable to live there without 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX XXXX XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity thef also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian lnformation Solutions lnc. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, XXXX U.S.C. XXXXi ( a ) ( 7 ) and XXXXs-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian lnformation Solutions lnc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-16 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading 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 2025-07-16 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately 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 Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected. 
- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false. 
These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, XXXX XXXX XXXX and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I received a call from someone claiming to be with Navy Federal Credit Unions fraud department. The call appeared to come from the banks official phone number. The caller had access to personal and account-specific information including my home address, balances, nicknames assigned to my accounts, and even referenced past fraud I experienced in XXXX. 

I was instructed to move my money to my XXXX XXXX account to empty the accounts, then send the money to what I was told were new Navy Federal accounts. After sending the money, the call was disconnected. I immediately contacted Navy Federal and filed a fraud claim, but the claim was denied in less than XXXX minute with no explanation. I went to the branch and was told there was no appeal process and no investigation. 

Ive filed a police report and plan to send a formal complaint to Navy Federal 's Executive Resolution Team. This situation has caused extreme financial hardshipXXXX XXXX XXXX XXXX XXXX XXXX with no access to those funds, and I believe this case deserves a full review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CT

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
These accounts are not mine and appear to have been created fraudulently. I request their immediate removal and a detailed investigation. Relevant evidence has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion is reporting a long list of phone numbers on my credit file that do not belong to me and were never associated with my identity, household, or credit activity. My only correct and verifiable phone number is XXXX. Yet, TransUnion has allowed my consumer file to be littered with an overwhelming number of inaccurate and unauthorized phone numbers, including but not limited to : ( 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, and ( XXXX ) XXXX. 

The presence of these erroneous phone numbers raises serious questions about the security of my credit profile and whether it has been merged with other individuals ' data or compromised by sloppy data management. This is not only careless but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting a swarm of incorrect phone numbers with no legitimate connection to my identity shows an utter failure to meet this standard.

In addition, under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information and to demand a reasonable reinvestigation. However, past attempts to have this corrected were either ignored or brushed off with template responses that made no effort to verify ownership or source of the incorrect data. This makes me question whether TransUnion is even performing the due diligence required by law when consumers raise red flags about their personal information. 

The emotional toll of this carelessness has been immense. I've faced unnecessary suspicion from lenders who questioned the legitimacy of my identity due to the flood of inconsistent phone numbers on my file. Ive spent countless hours trying to explain and clean up what should have never appeared on my report in the first place. This is not only frustratingits deeply humiliating. Ive been denied credit, flagged for identity verification issues, and had to deal with the anxiety of wondering who elses information may be wrongly tied to my identity because of TransUnions negligence.

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 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear CFPB Team, I am writing to submit a supplement to my existing complaint against Santander Consumer USA regarding a defaulted auto loan that is now being wrongfully collected through wage garnishment despite clearly qualifying for cancellation and deficiency relief under the XXXX multistate subprime auto lending settlement. 

While I did receive a restitution check, Santander has failed to honor the full scope of relief described in the settlement. The final judgment outlines multiple eligibility pathways, and I meet criteria that go far beyond the basic restitution payment.

How I Qualify for Additional Relief : Based on the settlement ( Paragraphs 10, 11, and 17h of the Final Judgment ), my loan qualifies for cancellation and tradeline removal under several of the following : I defaulted within 12 months of origination and likely had a loss forecasting score below XXXX, which qualifies me for deficiency forgiveness and trade line deletion. 
I received no income verification before the loan was finalized, which qualifies under the Mandatory Relief Consumer criteria ( Paragraph 7 ( n ) ).

I expressed known financial hardship prior to the loan, and Santander still allowed the transaction to proceed.

Documented Timeline That Confirms My Eligibility : I was placed into the vehicle in XX/XX/XXXX. 
Santander or the originating dealer only requested income verification ( bank stubs ) in XX/XX/XXXX, after the loan had already been finalized. 
I also have an email I sent prior to the loan explaining that I was experiencing financial hardship, yet the loan still moved forward. 

Santanders Ongoing Breach : Despite clearly qualifying under the settlements alternative relief terms, Santander : Failed to notify me of my eligibility for loan forgiveness Sold or transferred the account to XXXX XXXX XXXX, which is now garnishing my wages Has only acknowledged restitution, ignoring other forms of required relief they agreed to in the court-approved judgment What Im Requesting : That Santander be required to provide documentation on my account status at the time of default ( including my loss forecasting score and any income verification they claim to have ) That they be required to explain why my account was sold or transferred if I was eligible for forgiveness That all collections and wage garnishment activity cease immediately, and credit reporting be corrected That the CFPB escalate this matter and hold Santander accountable for violating the terms of a multi-state consumer protection judgment This situation continues to impact my mental health and financial stability. Ive had a very hard time finding legal help that fully understands the settlement language, and I feel that I am being overlooked despite having done everything in my power to advocate for myself. 

Thank you for your attention and for protecting consumers like me from unfair and deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>2025 The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX and must be deleted immediately : XXXX acctXXXX XXXX XXXX XXXX XXXX XXXX acctXXXX XXXX acctXXXX XXXX XXXX XXXX acctXXXX XXXX XXXX acctXXXX XXXX acct XXXX XXXX acctXXXX XXXX XXXX XXXX AcctXXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA.

Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>2025 The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX and must be deleted immediately : XXXX acctXXXX XXXX XXXX XXXX XXXX XXXX acctXXXX XXXX acctXXXX XXXX XXXX XXXX acctXXXX XXXX XXXX acctXXXX XXXX acct XXXX XXXX acctXXXX XXXX XXXX XXXX AcctXXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA.

Please process this dispute and send me an updated copy of my credit file.

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