vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$230.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$14000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$690.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$910.00}

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 2025-10-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Company claims they don't accept this form of payment but refuse to return item and or title. After waiting XXXX XXXX seeking an XXXX balance and XXXX per day after XXXX days because company sent repo agents to my home also marked my credit XXXX  days late and charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Universal Payment Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed a collection account from XXXX XXXX XXXX on my credit report showing a balance of {$730.00}. I was never properly notified about this debt, and I do not believe it was reported accurately. 

The account shows as an installment account opened on XX/XX/XXXX, and placed in collections. I have not received any recent statements, validation notice, or breakdown of the original balance. 

I am requesting that XXXX XXXX XXXX provide verification of this debt and confirm whether this account was accurately reported to the credit bureaus. If they can not verify the debt or the reporting is inaccurate, I am requesting its removal from my credit report. 

Please assist with investigating this issue and ensuring fair credit reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened a PNC Bank XXXX is for Savings account that is marketed as a savings account for young children and is associated with XXXX XXXX. I've had the account for XXXX years and have had recurring transfers deposited into the account every month from my associated PNC XXXX account. The account was closed on XX/XX/2025 and over {$7000.00} was escheated to the Maryland XXXX. I only received a final account statement that came after the account had been closed. After several calls to customer service on XX/XX/XXXX and XXXX, 2025, I was informed that the account was closed due to inactivity despite the regular recurring transfers. I was informed that the account was deemed inactive because no withdrawals had been made and no in-bank deposits were made. The account was used to save college funds for my child and will not have any withdrawals until she enters college. I was informed that a closure letter was mailed to an out of date address on XX/XX/2025 that I updated 6 years ago and the bank was informed it was undeliverable. Another letter was mailed on XX/XX/2025 to the correct address but the bank was informed that the letter was deemed undeliverable. No email or in-application notification was sent to me. I was not informed on any subsequent bank statements about the pending closure. However, during this period I received bank statements and credit card offers from PNC on an almost weekly basis with any issues with mail being deemed undeliverable. PNC customer service informed me that the money in the account was sent to the Maryland XXXX. However I called the Maryland XXXX on XX/XX/2025 and no money had been received that is associated with my name or the name of my child that was also on the account. I have no proof of where the money from the account was sent and no way to recover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and misleading items on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my rights to accurate and verifiable reporting, the following accounts and addresses have been reported incorrectly, negatively impacting my creditworthiness : Incorrect Addresses on File : 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 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  Charge Off These entries are either inaccurately reporting my addresses or misrepresenting my payment history and account status. I formally dispute the accuracy of these items and demand that the credit reporting agencies investigate and correct or remove these inaccurate entries immediately, as required under FCRA Section 611. 

Please note that failing to correct these inaccuracies can have severe consequences for my financial wellbeing. I request that the CFPB investigate this matter and ensure that my rights under federal law are fully enforced. 

I have enclosed supporting documentation to prove the inaccuracies in my addresses and account histories. I expect a response and resolution in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My vehicle, a XXXX XXXX XXXX financed through Santander Consumer USA ( Account # XXXX ), was improperly repossessed while a valid insurance claim was pending. 

On XX/XX/XXXX, my vehicle was involved in an accident. I promptly filed a claim with The XXXX XXXX XXXX ( Claim # XXXX ) and notified Santander that the claim was being processed. I explained that the insurance proceeds would be paid directly to Santander once the claim was finalized. A Santander representative confirmed receipt of this information and requested that I continue to provide updates as the process moved forward. 

However, when The XXXX attempted to retrieve the vehicle from the storage yard to finalize the claim, they were informed that the vehicle was no longer there. Upon investigation, I was told that Santander had repossessed the vehicle and transferred it to another facility for auction. 

I spent more than XXXX hours on the phone being transferred among multiple departments and contact numbers, each time being redirected without resolution. When I finally spoke with XXXX ( Employee ID # XXXX ), she informed me that Santander had every right to repossess the vehicle and that the repossession would be reported to the credit bureaus, adding that there was nothing I could do to prevent this. 

Despite my prior notice to Santander and full cooperation throughout the insurance process, the vehicle was repossessed before the insurance proceeds were disbursed. The XXXX has since accepted liability and is in the process of issuing payment directly to Santander. 

Santanders actions were premature, improper, and unjustified, as there was no voluntary default, nonpayment, or failure to cooperate on my part, only an insurance processing delay beyond my control. 

I am formally requesting that Santander immediately : Halt and reverse any negative credit reporting related to this incident. 

Update my account status to reflect Insurance claim pending ; Cease all further collection or repossession activity ; and Work directly with The XXXX XXXX XXXX to complete the insurance payment process. 

To date, none of the representatives or managers I have spoken with have offered assistance or attempted to resolve this matter, despite my repeated calls and good-faith efforts. If this repossession is reported, it will cause severe and unjust damage to my personal and business credit, even though I have remained fully compliant and transparent throughout the insurance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A Possible Finance account is being reported on my credit report. I previously disputed this account, and in their response to CFPB, the furnisher flagged the account as potential fraud. 

I did not initiate a fraud claim myself, but the companys own admission indicates that they can not legally validate or confirm the accounts authenticity. They have not provided any supporting documentation such as a signed agreement, application, or IP records to prove I opened or authorized this account. 

Despite this, [ Experian / Equifax XXXX TransUnion ] continues to report this account, which constitutes a violation of FCRA 611 ( a ) and 623 because unverifiable information can not remain on a 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 2025-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I've been paying off a loan from one main financial which has a branch in XXXX, tx for years. That itself is my own problem. 

My issue that requires a complaint is that the company has started calling me up to 4 times daily starting the day after I miss a payment. When I answer they try to immediately have me set up a payment arrangement which is inconvenient due to their draft times vs. when my check arrives. 
If I ignore the calls, they repeat it multiple times a day. Well over the 7 calls in 7 days metric.

In the past four days alone they have called me 8 times. 

My payment for this month was due on the XXXX. They've been calling me since the XXXX and here 's the times for the recent onslaught. 

XXXX XXXX - XXXX, XXXX, XXXX, and XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX, XXXX All for a late payment from XX/XX/XXXX alone. 
It's excessive and constantly interrupting my workday. 

It's also straight up harassment, and this has happened over MULTIPLE MONTHS every time I'm late on a payment I'm flooded with calls from them throughout the day. 

Which means either one of two things ... this is either targeted harassment, or an active practice within the company for customers that is in total violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Urgent Request : Formal Dispute of Inaccurate Reporting Request for Immediate Deletion Account Number : XXXX To Whom It May Concern, I am formally disputing the late payment being reported on my Mazda Financial Services account. This entry is inaccurate, inconsistent, and unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX  and XXXX  report the late payment as occurring in XXXX. 
XXXX  reports the late payment as occurring in XXXX. 

Because of these discrepancies, the reporting can not be considered accurate. Under FCRA 607 ( b ), credit reporting agencies must assure maximum possible accuracy of consumer information. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate.

Further, FCRA 611 ( a ) ( 5 ) requires that any information that can not be verified must be deleted from the consumers credit file. Since the late payment is being reported inconsistently across the credit bureaus, it can not be verified with maximum possible accuracy. 
I am therefore requesting the immediate removal of this late payment from all of my credit reports. Please complete your reinvestigation within the 30-day timeframe required by law and provide me with written confirmation of the deletion. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Experian Legal XXXX  XXXX XXXX XXXX, tx XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against EXPERIAN for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported.

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