vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-30 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of two accounts listed on my credit report, which I obtained through your credit reporting services. Upon review, I found discrepancies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), applicable state laws, and consumer protection regulations. I respectfully request your immediate attention to resolve these issues. 

The first account in question is with XXXX XXXX  BANK ( Account No. XXXX ), which was opened on XX/XX/XXXX. This account is reported as a closed credit card with multiple XXXX late payments listed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are in the future, and I believe this is a clear error. There should not be late payment entries for these future months, and I dispute the accuracy of this information. 

The second account is with XXXX BANK XXXX ( Account No. XXXX ), opened on XX/XX/XXXX. This account is reported as a closed revolving account with a XXXX late payment listed for XX/XX/XXXX. Since this date has already passed, the late payment entry is inaccurate. I dispute this entry and believe it should be corrected to reflect the true payment history for this account. 

These discrepancies violate several important laws and regulations governing credit reporting. Under the Fair Credit Reporting Act ( FCRA ), Section 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The entries in question violate the requirement for credit reporting agencies to ensure the accuracy of the information they report. Additionally, under Section 1681s-2 ( a ), the data furnishersXXXX XXXXXXXX BANK and XXXX BANK XXXXare obligated to report accurate information to the credit bureaus. Furthermore, under Pennsylvania 's Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), creditors and reporting agencies are prohibited from engaging in unfair or deceptive practices, including providing false or misleading credit information. These erroneous entries violate state protections designed to safeguard consumers from such practices.

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 2025-09-30 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: VA

Complaint narrative:
I am filing this complaint because Equifax continues to report late payment notations on closed accounts in my credit file. The accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet Equifax is still reporting derogatory late payments. This is inaccurate, misleading, and not verifiable, which violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1681c ). I formally disputed these items, but Equifax has not corrected or removed the errors. 
This reporting harms my creditworthiness and constitutes willful noncompliance with federal law. I am requesting the CFPBs assistance to ensure these accounts and their associated late-payment notations are deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-09-30 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: AZ

Complaint narrative:
I am formally disputing the reporting of a public record XXXX  and the accounts listed as included in XXXX  on my credit report. This reporting is inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ). The accounts listed as included in XXXX  are being misreported. Under the FCRA, only information that can be verified as accurate, complete, and obtained through lawful reporting channels may remain. Since these accounts rely on the XXXX record as the basis for their status, and the XXXX  itself can not be independently verified with the court, the associated tradelines are likewise unverifiable and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XX/XX/year>, my Goldman Sachs, XXXX, and XXXX XXXX credit cards were used fraudulently, resulting in unauthorized charges of approximately {$10000.00}, {$6500.00}, and {$6000.00} respectively. Prior to these incidents, I maintained a strong payment history and responsible credit behavior. These charges do not reflect my financial conduct, and I have reported the fraud to each issuer and am cooperating with their investigations. I respectfully request that these charge-offs be removed from my credit report, as they stem from criminal activity and not my own actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Received default judgemnt for a debt for unknown company. Case was disposed now they have reopened it without providing adequate information as I do not recall owing this debt as no company name is listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Account closed Approximately XX/XX/XXXX. Balance at the time was XXXX I have made autopay payments since that I have a record of ranging from XXXX to just under {$100.00}. So for XXXX mths post the company closing the card I have made on time monthly payments XXXX XX/XX/XXXX was {$2900.00} a difference of only {$360.00} XXXX XX/XX/XXXX was {$3000.00} My payments have made approx. a {$30.00} difference towards principle balance. 

XX/XX/XXXX XXXX charge of XXXX was attached to account placing it over a {$100.00} over previous credit limit. THE ACCOUNT IS CLOSED!!!!!!! 

This was immediately reported to credit bureaus as though I have not been paying and went over credit limit. 

This is an issue. THEY closed the account so why is this happening?

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 2025-09-30 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Debt Collectors Name CREDIT COLLECTION SERVICES XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for Debt Validation To Whom It May Concern, I am writing in response to a call I received on XX/XX/year>, regarding an alleged debt. I am requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Detailed account history,
including the date and amount of all charges and payments ; 5. Proof that your agency is legally authorized to collect debts in my state. 
Until you provide the information requested above, please cease all collection activities, including reporting this account to credit reporting agencies. 
This letter is not an acknowledgment or acceptance of the debt and should not be construed as such. I am merely requesting validation of the alleged debt. 
Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OK

Complaint narrative:
I purchased my XXXX  XXXX XXXX from XXXX XXXX of XXXX. The dealership added a bunch of extra money to my loan. Different kinds of extras. Warranties or whatever. Santander XXXX XXXX was my financer. They approved this loan to me with horrible credit. Aimed at getting as much of their money as possible hopefully later to repo and sell and charge me for the difference. My truck was hailed on in XXXX. My insurance company totaled my truck unfairly. 40 % of the salvaged value. They sent me a check made out to me and Santander. I have been fighting with them for 4 months trying to get them to endorse and send funds for my repairs. I have done everything they asked with no intentions of them ever sending check. They have wasted so much of my time. Hours on the phone. They lie and tell me the check is coming. Now they are lying saying the insurance company cashed the check but I sent them a copy of the check Santander deposited. I have asks them for a copy of my contracts and they sent me 4 blurry pages. They are so shady and they are a horrible company. The first three pages of their reviews are 1 star. That is as far as I looked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am lodging a complaint against Select Portfolio Servicing ( SPS ) for their willful and malicious deceptive practices concerning my mortgage. As a victim of a violent crime that resulted in a near-death experience, I was led to believe that SPS was assisting me with a mortgage modification or repayment plan to help me recover my home. However, it has become evident that SPS had no intention of providing such assistance and instead pursued a deliberate strategy to foreclose on my property while I was ill and vulnerable. 

Please see the attached letter and documentation for a detailed explanation of SPSs deceptive actions and the impact on my situation as a violent crime victim.

I respectfully request that the Bureau investigate these practices and address the concerns outlined in the attached files. 

Thank you for your attention to this urgent matter. I look forward to your response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
The review inaccurately reflects my financial principles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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