vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX Subject : Formal Dispute of Alleged Debt and Request for Validation under XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is in response to a collection notice received on [ insert date of first notice ] regarding an alleged debt claimed to be owed by me. I am writing to notify you that I dispute the validity of this debt in its entirety. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that you : Provide written validation of the debt, including : The exact amount of the alleged debt ; The name and address of the original creditor ; A copy of any documentation bearing my signature or showing I agreed to this debt ; Proof that your company is legally authorized to collect debts in the state of Georgia. 

Cease all collection activities, including calls, letters, and credit reporting, until full debt validation has been provided. 

Please note that any failure to respond to this request while continuing collection efforts will be considered a violation of the FDCPA. I also request that no information regarding this disputed debt be reported to any consumer reporting agency until validation is completed, and if it has already been reported, that it be marked as disputed by consumer. 

Please respond by mail only to the address above. This letter is sent in good faith and is intended to preserve my rights under federal law. 

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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: FL

Complaint narrative:
The Auto Loan was transferred with no credit from previous lender credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing. 

I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary. 
Thank you very much for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an bankruptcy that was not reporting accurately. I do not know where this chapter XXXX bankruptcy came from. The consumer reporting agencies need to report all information with 100 % complete accuracies. I'm now requesting you investigate and provide verifiable proof with court records showing I have a chapter XXXX bankruptcy that belongs to me. If this information can not be verified by court records not a third party reporting agency I demand the bankruptcy be removed from my credit repots immediately. I am uploading and attaching a screen shot of my credit report. As can be seen and verified just by my reports between the three credit bureau 's the amounts of multiple inaccuracies. Thank you for you understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
I am writing to follow up on a prior dispute regarding multiple negative items that are inaccurately and inconsistently reported on my credit file. Not only do these accounts contain reporting errors, but they also reflect different numbers of negative entries across the XXXX bureaus. 

Issue : XXXX  is reporting XXXX negative entries, which is inconsistent with the number of accounts being reported by XXXX  ( XXXX ) and XXXX  ( XXXX ). Many of these appear either outdated, duplicated, or are tied to original creditors rather than collection agencies. Some accounts are even listed twice under slightly different identifiers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit reports and found the following hard inquires where reporting inaccurate. 
XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX, DATES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DATES : XXXX XXXX, Dates : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, DATES : XX/XX/XXXX Credit bureaus have the responsibility to report 100 % accurate on consumers credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX, These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Washington XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit history was effectively wiped. I have contacted Equifax XXXX times the XXXX time I asked why it was wiped. They said it was a missing date of birth so they asked me to send a copy of my Social Security a copy of my drivers license and a letter stating permission to add my date of birth so Ive done that XXXX separate times now. They have not reinstated my credit score and have not contacted me once. If it has always been me initiating contact it has been a little over XXXX months since Ive contacted them because I got busy however I still dont have a credit score for Equifax and they arent doing anything to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries and have contacted both TransUnion and Equifax to dispute them. Unfortunately, both credit bureaus have refused to remove the inquiries or assist me further. 

These hard inquiries are negatively impacting my credit score, and I am deeply concerned about the possibility of identity theft or misuse of my personal information. I am requesting that the CFPB investigate this matter and help ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

I have included relevant documentation with this letter, including copies of my credit reports and correspondence with the credit bureaus. 

Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this complaint because there is inaccurate and/or unverifiable information being reported on my credit report by [ Name of Furnisher or Credit Bureau ] . I disputed this information with the credit reporting agency under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires that they conduct a reasonable investigation and correct or remove any information that can not be verified.

Despite my dispute and providing supporting documentation, the information remains on my report without evidence that it was properly verified. I have not received an adequate explanation, nor have I been provided with proof that the information is accurate. This inaccurate reporting is negatively impacting my credit score and financial well-being. 

I am requesting that the CFPB assist in ensuring that the credit reporting agency and/or data furnisher comply with the law by properly investigating my dispute and removing or correcting the inaccurate information if it can not be verified. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-06-09 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: KS

Complaint narrative:
I have a copy of my credit report in my hand, and I just went through it because my lender told me that I could get XXXX for free. So I took a chance and got my credit report since I have not reviewed it in such a long time. O-sorry, let me get back to the point. I like to talk a lot some times. I was looking at my report and noticed a problem .. Let me tell you the problem. 
Creditor : XXXX XXXX Account : XXXX Reason : AutoPay malfunctioned in XXXX of XXXX  due to computer complications Instruction : Please fix, correct or delete these problems, because they are really hurting my credit score. Im not that good at writing letters and I thought if I wrote your company, you guys would help me. I will be grateful if you can fix this issue for me. 
When can I expect a response to my inquiry and a resolution to this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX of Identity Theft Fraudulently opened account- XXXX XXXX XXXX - XX/XX/year> - XXXX Fraudulent Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I thought I had purchased on line a {$39.00} vitamin, but after agreeing to purchase, it came up as {$230000.00}. I went into my Bank, Santander to request a stop payment on fraudulent purchase. They investigated and vendor XXXX XXXX XXXX  supposedly refunded the amount back to my card, which I have not seen. 
A few days later, XX/XX/XXXX I see a charge on my card for {$230000.00} from my Bank credit card. They claim because they credited me the {$230000.00} while investigating the purchase, I owe them the {$230000.00} for the extended credit. They claim I owe this since the purchase was refunded ; though I dont see any refund on my account.This is a {$20000.00} credit card with my Bank Santander XXXXhy would I pay or be charged for a purchase I never received, nor wanted after fraudulent charge?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
In case XXXX, which was recently submitted was wrongfully closed and violated my consumer rights. The CFPB has done nothing to verify the accuracy of the info that Experian is reporting on. The recent case I lawfully requested Experians method of verification to determine the steps they took to investigate and verify that this info furnished was accurate. It is to my understanding that Experian does not complete full investigations but instead rely on XXXX codes, which are not legally considered valid methods of verification. Experian has failed to provide their methods of verification for multiple complaints now and they will be receiving a letter of Intent to Sue for wrongfully reporting inaccurate data Pursuant to FCRA XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

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 XXXX of the Fair Credit Reporting Act.

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