vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
am filing a formal dispute involving three credit bureaus ( Experian, Equifax, and TransUnion ) that are inaccurately reporting collection accounts, hard inquiries, and addresses that do not belong to me. 
COLLECTION ACCOUNTS ( Must Be Deleted ) XXXX XXXX XXXX  {$5200.00} Last Reported : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$1100.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Last Reported : XX/XX/XXXX These are either unrecognized or associated with a business I did not authorize. I was not a personal guarantor, and no contract or application exists. 
These accounts also violate Metro 2 compliance reporting requirements and lack proper XXXX codes, DOFD values, and accurate data under FCRA 623 and 607 ( b ). 
UNAUTHORIZED HARD INQUIRIES ( Experian ) XXXX XXXX XXXX XXXX, XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX I never applied for credit with these companies. These inquiries are a direct violation of FCRA 604 ( a ) ( 3 ) and were not authorized by me. 
INACCURATE ADDRESSES ( Experian ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IL I never lived at these addresses. They were added to my credit report in error and must be removed immediately. 
I have attached all supporting letters, legal dispute references, and verification files for this complaint. 
I am demanding the immediate deletion of all collections, inquiries, and false address entries across all three bureaus. Thank you.

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 2025-05-22 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: IL

Complaint narrative:
am filing a formal dispute involving three credit bureaus ( Experian, Equifax, and TransUnion ) that are inaccurately reporting collection accounts, hard inquiries, and addresses that do not belong to me. 
COLLECTION ACCOUNTS ( Must Be Deleted ) XXXX XXXX XXXX  {$5200.00} Last Reported : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$1100.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Last Reported : XX/XX/XXXX These are either unrecognized or associated with a business I did not authorize. I was not a personal guarantor, and no contract or application exists. 
These accounts also violate Metro 2 compliance reporting requirements and lack proper XXXX codes, DOFD values, and accurate data under FCRA 623 and 607 ( b ). 
UNAUTHORIZED HARD INQUIRIES ( Experian ) XXXX XXXX XXXX XXXX, XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX I never applied for credit with these companies. These inquiries are a direct violation of FCRA 604 ( a ) ( 3 ) and were not authorized by me. 
INACCURATE ADDRESSES ( Experian ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IL I never lived at these addresses. They were added to my credit report in error and must be removed immediately. 
I have attached all supporting letters, legal dispute references, and verification files for this complaint. 
I am demanding the immediate deletion of all collections, inquiries, and false address entries across all three bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My car payment is XXXX a month. I was told a few weeks back that any payment that I made extra would go to principle. I paid XXXX on my 1st bill, on my statement it didnt show where the extra XXXX went. So I made an extra payment of {$25.00} to see where it would post. I checked my account and it posted to interest. I called customer service and told them that I want the extra posted to principle and there wasn't an option to do that on the website. They told me I'd have to call. I asked to speak to a manager. I spoke with XXXX ( ID XXXX ) and he told me that there was no option to have the extra money I pay to be put how I want it and that it will go to interest only. I want to pay down my balance and if I pay extra, it should be directed where I want it to go. I've paid a total of XXXX that I want to go to principle. I said that I am always able to pay extra principle, on my last car loan, or my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I noticed on my credit report I have XXXX hard inquiries I did not make. I tried to find out more so I researched where they were from. The first inquiry had this information available : XXXX XXXX  Finance/Personal XX/XX/year> Inquiry Details Inquiry Date XX/XX/year> Inquiry Type Individual XXXX Info XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX no phone number available, I XXXX the company to see if I could call. I found out many others dealing with hard credit checks without authorization and scammy service. I will be reporting them to the XXXX. I provided the documentation I discovered below as attachments. 


The next inquiry I dont recognize is : XXXX XXXX XX/XX/year> Inquiry Details Inquiry Date XX/XX/year> Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I was out to eat at a work lunch when I received notification from my credit card ( XXXX  XXXX with XXXX  ) that a lender performed a credit check. I do not have any credit services from this company. I never authorized XXXX to perform a credit check.When I tried to call it was a robot that asked me for my account information, which I do not have.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC
State: NY

Complaint narrative:
b"My wife and I keep getting the same phone call and now a letter of billing from FCR services oXXXX XXXX XXXX XXXX XXXX XXXX XXXX and we both have health insurance but these people are calling us at work and mailing us a billing we've already paid to the hospital 100%. I've called the insurance company, and they have nothing under this name, FCR Services. Their bills have no hospital name or procedure or anything. \nTheir office number is XXXX XXXX XXXX. Can you resolve this problem? \nMy cellphone is XXXX  My name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 filing a formal complaint against Experian for continuing to report inaccurate and disputed negative information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite filing a proper dispute directly with Experian, the inaccurate items remain unresolved or improperly verified. 

The issues include : XXXX. Incorrect Personal Information My Experian report shows multiple inaccurate name variations ( e.g., XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) and outdated addresses. I requested correction and removal of this erroneous information, but Experian has not acted on it. 
XXXX. Unresolved Disputes on Negative Accounts I disputed the following accounts with Experian, and they either remain incorrect or are marked as disputed with no action taken : XXXX XXXX XXXX  : Charged-off account marked disputed by consumer for over 2 years. Experian has not updated or removed the dispute flag or account. 
XXXX XXXX  : Charged-off account marked previously in dispute investigation complete but I never received any documentation or verification of the investigation results. 
XXXX XXXX ( XXXX XXXX ) : Account charged off for {$120.00}, with repeated derogatory notations and no update since XX/XX/XXXX. 
XXXX. Outdated or Misleading Reporting on Closed Accounts Auto XXXX XXXX : This vehicle was voluntarily surrendered in XXXX, yet Experian still reports it as a collection account with derogatory marks extending through XXXX. 
XXXX XXXX, XXXX  XXXX, XXXX  XXXX, and XXXX XXXX all continue to report large balances with no recent activity or validation. 

These inaccuracies are severely affecting my credit score, ability to secure credit, and overall financial well-being. Experians failure to conduct a reasonable investigation or provide results of their actions violates FCRA requirements under 611 ( a ) and 607 ( b ).

I am requesting that the CFPB : Investigate Experians failure to correct or remove inaccurate information, Enforce my rights under the Fair Credit Reporting Act, Require Experian to update, verify, or delete all inaccurate and outdated information listed in this complaint.

Attached are excerpts from my credit report and a record of my dispute ( s ).

Thank you for your time and assistance. 

Sincerely, 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, Fulton Bank attempted to repossess our XXXX travel trailer because of alleged non payment for 4 months. 
I was confused because I had set up monthly payments coming from our checking account at another bank. Monthly payments were in the amount of {$200.00}. 
I immediately called our bank where payments were coming from and confirmed payments were made every month on the first of each month and cashed. 
I then called Fulton Bank Loan Department and spoke with Customer Representative XXXX who stated I owed 4 months and late fees. She also stated that I would have to pay the full amount immediately or have trailer repossessed. 
I had no choice but to pay again. I went to Fulton Bank and paid again plus late fees I then called XXXX again to find out where the initial payments were. I was informed that payments were going to main branch and not payment center address. However they had all payments and were holding them, they did not apply payments to our loan, but held them for over XXXX  months. No phone calls, no letters informing us of any problem. 
This made no sense, along with each payment there was the account number. These payments should have been applied to loan, sent back to our account at originating bank, or very least contact telling us there was an issue. Instead they tried to repo the RV and tacked on late fees all the while they had every payment for each month. 
Now, XXXX years later, when we want to payoff the loan and are being charged a repo fee of {$600.00} when we were not at fault. 
Also after I paid the alleged late amount and fees I asked for the money that they were holding for XXXX  months and was told they could not return it but would credit the loan a month at a time. 
So, in short, they had the original payments, we then paid that amount again in XXXX lump sum plus late fees to stop a repo that should have never been. It sounded like extortion. 

I recently called and spoke with a loan specialist named XXXX at XXXX who informed me that they are not dropping the repo fee. 

I don't understand how a Bank can do this and get away with it. We let this go at the time, but now they want to charge us for a repo that was never supposed to happen and did not happen. 

Loan # XXXX XXXX XXXX You can speak with my wife on this matter, her information is below. 
XXXX XXXX XXXX Your assistance is greatly appreciated. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information is not correct and i want those address removed from my credit report. Im not associated with those address.

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 2025-05-22 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: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I, XXXX XXXX XXXX hereby request and affirm my intention to resolve any past matters concerning alleged unlawful debt collection related to rental payments or agreements involving NATIONAL CREDIT SYSTEMS INC . 

I respectfully request amnesty for any actions or misunderstandings that may have occurred in connection with the collection of debt that was found to be unlawful, unfair, or in violation of applicable local, state, or federal laws governing debt collection practices. 

This statement is made in good faith and in pursuit of a fair and equitable resolution for all parties involved. I am committed to settling any outstanding matters and request that no further legal or financial penalties be pursued in relation to this issue. 

Signed, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Lack of Disclosure About Potential Account Closure Capital One did not inform me at the time of application or afterward that your new account could be closed due to a prior charge-off or collection history, despite them already being aware of it. This could be argued as : A failure in fair communication under the Equal Credit Opportunity Act ( ECOA ), especially if the closure was due to information they had at the time of opening the account. 
Possibly a violation of fair lending or account management practices, depending on how the decision was made. 



XXXX. No Notice Prior to Closure stating that my account was closed without noticeI only found out when trying to use the card. Creditors are generally expected to provide written notice for adverse actions such as : Account closure Credit limit reductions Negative changes to account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
According to the steps that I took I requested for this company to provide information on this account that has placed a strain on my credit. I explained that according to FERA Section 605B it is illegal to report anything on my credit report without my permission. Also according to 15. U.S.C 1692 ( C ), you have violated my rights by in lawful communications, please remove this collection off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX  Date : 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