vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this fifth formal removal request to Experian, Equifax, and TransUnion regarding multiple inaccurate, misleading, and legally unverifiable items that continue to appear on my consumer credit reports despite prior disputes. These items have caused ongoing harm to my credit profile and reflect repeated failures to comply with federal consumer protection laws governing accuracy, verification, and permissible reporting. 
First, you are reporting the late-closed account XXXX XXXX XXXX XXXX XXXX XXXX  with a balance owed of {$2900.00} on Experian, even though this account has not been properly verified following my prior disputes. In addition, XXXX XXXX XXXX XXXX XXXX continues to be reported on Experian with a {$0.00} balance, yet the presence of this account with prior late information remains misleading and unsupported by lawful verification. The continued reporting of these items violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) for failure to conduct a reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for reporting information that is inaccurate or misleading, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy. 
You are also reporting XXXX XXXX XXXXXXXX XXXX as a charged-off account with a {$0.00} balance on Experian, Equifax, and TransUnion. Despite multiple disputes, no lawful documentation has been produced to validate the charge-off status or justify the continued reporting of this account. The ongoing inclusion of this account violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), and further violates 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as unverifiable and inaccurate information is being maintained on my credit file. 
Additionally, XXXX XXXX, reporting as a collection agency for Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$5800.00} on TransUnion, has failed to provide proper validation of this alleged debt. The continued reporting of this collection account violates FDCPA 807 15 U.S.C. 1692e for false or misleading representations and FDCPA 809 15 U.S.C. 1692g for failure to provide proper debt validation, as well as 15 U.S.C. 605B / 15 U.S.C. 1681c-2, since the debt remains unverified and disputed.

Finally, my credit report continues to reflect unauthorized and impermissible inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, both reporting on Experian. I did not provide permissible purpose or authorization for these inquiries, and their continued reporting violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ).

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 2025-12-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I became aware that I was a victim of identity theft. An unknown person used my personal information without my authorization to open fraudulent accounts and incur debts. I filed an FTC Identity Theft Report ( # XXXX ) and mailed proper FCRA XXXX block requests to XXXX  Experian, and XXXX identifying the fraudulent accounts and enclosing the FTC reportXXXX XXXX properly blocked and deleted all related derogatory collection accounts ( previously reported by XXXX XXXX XXXX ). 

My most recent Experian credit report ( dated XX/XX/XXXX ) still shows a derogatory collection account from XXXX XXXX ( {$980.00} balance, opened XX/XX/XXXX, original creditor XXXX XXXX XXXX XXXX ) and a charge-off from XXXX XXXX XXXX XXXX XXXX {$1400.00} ). These items stem from the same identity theft incident documented in my FTC report. 

XXXX also continues to report multiple XXXX XXXX XXXX collections tied to the same fraud, despite my prior disputes and ongoing CFPB complaint ( # XXXX ). 

The continued reporting of these inaccurate and fraud-related items is causing ongoing financial harm, including lowered credit scores and potential denials of credit. I request that the CFPB direct the company to immediately investigate this identity theft, block the fraudulent information under FCRA XXXX, and permanently delete these accounts from my credit report.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I call Santander to get pay off amount for loan so i could refinance. Got the amount from them went to new bank filled out checked and sent it to Santander. After the received the check they call me stating that the check was not signed. I asked for the check back they stated the checked was destroyed and i need to go back to the bank and get another check. I sent them a second check in the same amount as the first one. They cashed the checked. Now that six month went by they are now stating I owe them another {$550.00} stated it was fees. I refuse to pay when they cashed the check. They are refusing to release my title and stated the will put this on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am filing this complaint per laws outlined Federal law : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Pennsylvania law : * Fair Credit Extension Uniformity Act ( FCEUA ) 73 P.S. 2270.1 et seq.

* Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) 73 P.S. 201-1 et seq.

Experian is reporting inaccurate and unverifiable information on my credit report, including collections and late payment history that do not appear on my XXXX  credit report. XXXX  reports zero collections and no late payments, which demonstrates that this information is not being reported with maximum possible accuracy.

The specific items I am disputing on my Experian credit report are : XXXX XXXX XXXX collection account with a reported balance of {$110.00} XXXX XXXX XXXX collection account with a reported balance of {$520.00} Late/derogatory payment history reported on accounts that are not reported as late on XXXX. 
Closed XXXX reported accounts that are not reported on XXXX  or XXXX. 

I have also attached documentation confirming that my personal information has been exposed in multiple verified data breaches, compromising email credentials, passwords, physical addresses, phone numbers, and other sensitive data. Given this elevated identity-theft risk, Experian must ensure that any reported credit data is fully verified and accurate.

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable credit reporting by Kovo Inc. related to a credit builder installment account. 

I disputed multiple late payments reported on my credit report. Kovo responded by stating that their reporting is accurate, but they failed to provide documentation required to properly validate the reporting. Specifically, they did not provide copies of billing statements, delinquency notices, proof of delivery, or evidence that I was properly notified prior to negative reporting. 

The payment interruption occurred after my bank card was replaced due to fraud. Despite this, I did not receive clear notice or a reasonable opportunity to correct the payment method before the account was reported as delinquent across multiple months. Kovo has not demonstrated that required notices were sent or received before escalating delinquency status. 

Their investigation appears to have relied solely on an internal review rather than independent verification, which does not meet FCRA dispute investigation standards. Simply stating that payments were missed does not constitute proper validation. 

This is a credit builder product, and the continued reporting of severe delinquency contradicts the purpose of the account and has caused significant harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Today, I discovered that an account was reported to XXXX using my personal information without my authorization. The account was reported on XX/XX/year> by XXXX XXXX XXXX XXXX XXXX. I did not apply for a loan, did not contact this company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The reporting companys contact information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WI XXXX Phone : ( XXXX ) XXXX Email : XXXX This fraudulent account has appeared on my credit report and is negatively affecting my credit profile. I am requesting that it be investigated and permanently removed from XXXX and all credit reporting agencies.

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 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Credit Systems International for violations of the Fair Credit Reporting Act ( FCRA ) and unlawful debt collection practices. 

Credit Systems International is reporting an alleged debt as a collection/charge-off with a past-due balance, which is inaccurate and misleading. Once a debt is charged off or placed for collection, it can not continue to report as past due. Reporting both simultaneously violates the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ).

The tradeline also reports multiple conflicting opening dates for the same account : TransUnion : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> An account can not have more than one opening date. This inconsistency alone renders the information inaccurate and not reasonably verifiable under 15 U.S.C. 1681i. 

Credit Systems International has failed to provide any competent evidence that this alleged debt is valid or enforceable, including : No original contract or agreement bearing my wet ink signature No chain of assignment or proof of ownership from the original creditor No itemized accounting of the alleged balance No proof of authority or licensing to collect debts in the State of Georgia Additionally, the account is being represented as charged off or canceled, yet I have never received an IRS Form 1099-C, nor has any cancellation date been disclosed. If the debt was canceled, reporting must be consistent with tax and credit reporting requirements. If it was not canceled, the charge-off classification is false and misleading. 

Because Credit Systems International can not substantiate this account with verifiable documentation, its continued reporting constitutes inaccurate furnishing in violation of the FCRA and causes ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Santander Consumer USA Acct # : XXXX I am filing this complaint because your company is reporting an auto loan tradeline that is blatantly inaccurate and unlawfully re-aged, and it needs to be deleted. 
This account was charged off in XXXX. A charge-off is a one-time accounting event. Despite that, your company continues to report new charge-offs and late payments in later years, including activity in XXXX and XXXX. That is not a reporting error or a misunderstanding it is illegal re-aging. 
Once an account is charged off, there is no ongoing monthly payment obligation. Reporting 30, 60, or 90-day late payments after a charge-off is false and materially misleading. Re-reporting charge-off statuses in subsequent years unlawfully extends the negative life of the account and violates the Fair Credit Reporting Act. 
To make matters worse, the account is reported as written off while simultaneously showing a past-due balance. Those two statements can not coexist. Either the account is written off, or it is past due it can not be both. This contradictory reporting further confirms that the tradeline is not being maintained with any reasonable standard of accuracy. 
Under 15 U.S.C. 623, furnishers are required to report information that is complete, accurate, and not misleading. Your reporting fails that standard. If you can not produce competent documentation that justifies every reported charge-off date, delinquency entry, balance, and status, you have no legal basis to continue furnishing this tradeline. 
I am formally demanding full deletion of this account from all consumer reporting agencies. I am not requesting a correction, update, or reclassification. The extent of the inaccuracies and evidence of illegal re-aging leave deletion as the only acceptable resolution. 
Please treat this complaint with the seriousness it warrants and confirm deletion. Any response that ignores the re-aging violations or attempts to justify postcharge-off reporting will be escalated accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was automatically enrolled in American Expresss XXXX XXXX XXXX feature without my informed consent. I was approved for my card with a 0 % introductory APR for 18 months and structured my repayment plan accordingly. 

Despite never opting into XXXX XXXX XXXX or being clearly informed that it was activated, balances were placed into XXXX XXXX XXXX and interest was charged. I was charged {$32.00} on XX/XX/XXXX and {$79.00} in a subsequent billing cycle, totaling over {$110.00} in interest. I now have approximately {$4400.00} categorized as XXXX XXXX XXXX, which continues to accrue interest. 

American Express did not clearly disclose that XXXX XXXX XXXX would be automatically enabled or that balances placed into it would be excluded from the 0 % promotional APR. This automatic enrollment has caused financial harm and undermines the promotional terms I relied upon when opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I kept getting unwanted text messages from TSI. I blocked them and they still are coming through.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America wrongfully restrained and disbursed constitutionally exempt payroll wages and failed to provide required notice.

My checking account was frozen in early XX/XX/year>. The restrained funds consisted entirely of direct-deposit payroll wages and an HSA medical reimbursement. I notified Bank of America on XX/XX/year> that the funds were wages and therefore exempt under Texas law.

Despite actual notice, Bank of America maintained the restraint for weeks, failed to issue notice for each restrained deposit, and disbursed {$1900.00} to a court-appointed receiver on XX/XX/year>. 
The debt underlying this action is disputed. XXXX XXXX XXXX has acknowledged in writing that disputes remain open and that I may not owe the debt. The receiver was also notified of the open dispute and confirmed funds were not applied pending court action.

Bank of America nevertheless transferred exempt funds during an open dispute and continues to maintain an active freeze on my account.

I am requesting that Bank of America immediately lift the restraint and return the exempt wages wrongfully disbursed

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
On or around the end of XX/XX/XXXX I contacted the XXXX XXXX  XXXX XXXX for help setting up auto pay for my vehicle loan because I had a lot going on and I am not very techy and I wanted to make sure I did it correctly. I thought it was all set up but had gone in to see what my payoff was in XXXX after the first auto pay was to come out and they informed me I missed a payment. Confused I asked how? I thought auto pay was set up. I explained I had that done over the phone, they had no answer as to why that happened so that day I paid the amount owed for that XX/XX/XXXX statement, and I was sure they set my auto pay up for the next payment in XXXX right then and there. I was notified I was late again in XXXX so I paid the statement amount due and decided to make my own payments after that. They were not sure why it failed so I no longer trusted them and started making my own payments. 
I found they were reporting these XXXX late payments to Experian in XXXX of XXXX, which is hurting my financial future. When I called to ask them to stop reporting falsely they told me it was illegal for them to remove it from a credit report. I asked them to stop reporting it as my failure and pleaded it was not my fault and they could report it was paid as agreed. They told me they couldn't and that it would be illegal. I feel targeted and misrepresented by this bank. My payments have been on time since I started doing it myself. I would like this bank to stop targeting me and stop reporting these as my late payments when their system failed me. I want it to be removed from all the credit bureaus that they might report to. 
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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had a cash app card and due to me turning XXXX and needing to renew my New York drivers license they notified me I had until the XX/XX/year> to send in my new photo identification they said a passport or identification I at the moment couldnt renew my New York State identification so I used my passport. I then was told I violated their terms of service when I asked what terms of service the support on the app and when I called both told me they dont have that information. When I appealed multiple times I received the same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Citibank Card for XXXX yrs with an available balance over $ XXXX but it does not show on the XXXX  & XXXX  XXXX score banking updates. The missing credit card and payment history & available balance is lowering my overall XXXX  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 non-monetary relief
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I just want to Follow up this complaint because both Experian and XXXX have reported a series of inaccurate, inconsistent, and legally noncompliant entries on my credit reports, including outdated and unverified addresses ( XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX XXXX by Experian ), conflicting late-payment data on XXXXXXXX XXXX account XXXX showing mismatched XXXX of last activity and erroneous XXXX late notations despite a {$0.00} balance ( in violation of FCRA XXXX, XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX U.S.C. XXXX ), and an improperly reported collection from XXXX XXXX XXXX for XXXX XXXX XXXX ( account XXXX, {$280.00} ) appearing only in Experians file but not in TransUnions raising concerns of unverifiable debt, inaccurate XXXX reporting, and violations of FDCPA XXXX, XXXX, XXXX as well as FCRA XXXX ( a ), XXXX ( c ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ) ; additionally, both bureaus are reporting inquiries that I do not recognize or for which no permissible purpose has been providedincluding XXXX  in Experian ( XXXX ) and XXXX XXXX, RegionalAC ( XXXX ), XXXX, and XXXX XXXX XXXX XXXX ) in TransUnion contrary to FCRA XXXX ( a ), XXXX ( a ), and XXXX, and I have been unable to obtain proper validation or verification despite repeated attempts, leaving me with inaccurate negative information that is harming my consumer rights and creditworthiness and must be remove or deleted in accordance with 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 explanation