vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XXXX credit card / best buy reported a delinquent payment to the three credit agencies on a {$7.00} outstanding fee that I was not aware of which caused my score to plummet. the card was setup as auto pay.. but for some reason it was removed. I have spent years rebuilding credit after a terrible divorce 20 years ago ... and finally got it to where it needed to be and then XXXX reports a {$7.00} delinquent and it feels like im back at square one. what is the world coming to if this ( a {$7.00} unknow charge ) could cause my score to plummet.

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 2025-10-14 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-14 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account ( masked ID XXXX * * * * on XXXX ). The bureaus show conflicting Date Last Active values for this same debt : TransUnion XX/XX/year>, XXXX XX/XX/year>, Equifax XX/XX/year>. These internal contradictions indicate inaccurate or unreliable data under FCRA 607 ( b ). Please require full validation ( original contract, complete itemization by date, and chain of title ) and correct or delete if unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account ( masked ID XXXX * * * * on XXXX ). The bureaus show conflicting Date Last Active values for this same debt : TransUnion XX/XX/year>, XXXX XX/XX/year>, Equifax XX/XX/year>. These internal contradictions indicate inaccurate or unreliable data under FCRA 607 ( b ). Please require full validation ( original contract, complete itemization by date, and chain of title ) and correct or delete if unverifiable.

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 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting unauthorized credit inquiries from XXXX CARD dated XX/XX/XXXX and XX/XX/XXXX, neither of which I ever initiated or authorized. I have no existing relationship, application, or account with XXXX XXXX Bank, XXXX. that would justify these inquiries. Their presence on my credit report represents a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), particularly regarding the permissible purposes for obtaining a credit report. 

Under the FCRA, a credit reporting agency is required to ensure that each inquiry appearing on a consumers file was made for a legitimate, authorized purpose such as a credit application, account review, or other permissible transaction initiated by the consumer. In this case, TransUnion has allowed unauthorized third-party access to my personal credit file without verifying that consent was ever granted. This not only compromises the accuracy of my credit report but also exposes me to potential data misuse and privacy violations. 

Despite submitting disputes to have these inquiries investigated and removed, TransUnion has failed to take corrective action or provide any documentation proving that I gave explicit authorization for these credit pulls. Their repeated dismissal of my concernswithout presenting valid consent forms, application records, or any evidenceconstitutes noncompliance with the FCRAs reinvestigation and accuracy requirements under Sections 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 

This situation has caused unnecessary distress, as these inquiries falsely suggest that I have sought new credit when I have not. Unfounded inquiries can lower my XXXX score, affect lender perceptions, and erode confidence in my financial stabilityall consequences of XXXX failure to protect and maintain accurate reporting data. Consumers like myself should not be left to bear the consequences of negligent verification or unauthorized access to our private 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 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX ACCEPTANCE - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 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 2025-10-14 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-14 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-14 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: CA

Complaint narrative:
On XX/XX/year> I noticed an insconsistency with the total amount of my XXXX loans being reported through Experian. There is a student loan in the amount of {$56000.00} being serviced with XXXX attributed to my debt owed. I then login into my old XXXX  acount since this company had serviced my loans before they were transfered to XXXX, and ultimaly landing with XXXX. On the XXXX site it states all my loans had been transfered out. This loan amount does not match my XXXX information. I contacted Experian and provided proof that all of my loans had been transfered out of XXXX and I am still waiting for this to be resolved.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX the said that they have an amount of XXXX dollars in overage of the account from a total loss claim. I was told they will mail a check in XXXX. Unfortunately as a normal person i need my money sooner there is absolutely no reason they need to wait that long i have kids to feed and bills to [ ay. not to mention getting a replacement vehicle this money is paramount to such. I have been hung up on and customer service refuses to let me speak to a supervisor on at least XXXX occasions now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CADENCE BANK
State: MS

Complaint narrative:
On XX/XX/year>, I booked an appointment on a XXXX  website named XXXX, that does nails from her home. On her website, there was a service offered for {$50.00} XXXX nails for an appointment on XX/XX/year> at XXXX. The requirements were to pay a {$42.00} deposit and {$8.00} would be due at the time of the appointment. After booking the appointment, the girl XXXX, texted my phone on XX/XX/year> at XXXX stating she no longer offer the service that was listed on her website and told me I would not be able to pay the price that was listed on her website and I would have to pay {$80.00} instead of {$50.00} and asked me to come get my nails done at XXXX instead of XXXX. I dont get off work until XXXX. I asked for a refund because I booked for a service that was listed on her Website. After I asked for a refund, I went back to her website and she had removed the service for which I booked for from her site. She refused to send me a refund for services she offered and denied after I paid deposit. Services were not rendered. I did not get my nails done. I contacted XXXX dispute team to file a dispute. XXXX sent me a letter informing me that the case would be close and the provisional credit of {$42.00} would be taken back out of my account if I did not provide extra details of if the merchant offered refunds or not. I contacted the dispute team once again in regards to the letter and spoken to the supervisor that stated she understood what happened and she was not sure why the dispute team was denying my request. She sent them a message explaining to them once again what happened and on XX/XX/XXXX, I called back to check the status on that email and the supervisor stated the fraud team denied the request once again. I spoke to chance ( a dispute team supervisor ) on the XXXX as well and he stated he would send them a message to the back to the fraud team again about what happened to try to get this resolved. As of now, he says the fraud team still has not responded and they have it scheduled to take the {$42.00} back out of my account on tomorrow, XX/XX/year>. He stated the fraud team does not have a direct number to contact. XXXX isnt handling my dispute in the proper manner and are denying my request after I was clearly scammed out of my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am writing to formally appeal XXXX decision that determined my dispute claim ( # XXXX ) was not a fraud. I strongly disagree with this conclusion and am requesting that my case be reopened and fully re-investigated. 
The disputed transactions were made in the XXXX XXXX between XX/XX/XXXX and XX/XX/year>. During that exact time, I was hospitalized at XXXX XXXX in Pennsylvania from XX/XX/XXXX through XX/XX/year>, and was physically unable to travel or make any such purchases abroad. I have hospital admission and discharge records that confirm this. 
In fact, XXXX own fraud department contacted me regarding suspicious activity and subsequently replaced my credit card, which further supports that XXXX itself recognized potential fraudulent activity. Despite this, the unauthorized charges were not reversed, and my account continues to accrue fees and interest, now totaling {$5900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

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 2025-10-14 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] FCRA SECTION 602 RIGHT  TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to LVNV Funding LLC. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that LVNV Funding LLC is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect addres and name on my report XXXX XXXX XXXX XXXX, TX XXXX NAME XXXX XXXX

Company response to consumer: Closed with explanation