vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I submitted disputes on multiple accounts XXXX Santander Consumer USA, XXXX XXXX XXXX, and XXXX XXXX XXXX  ) but was never provided the required investigation results within the timeframe required by the FCRA. Despite this, negative information continues to be reported. For XXXX, the debt stems from a vehicle repossession in XX/XX/year>. I requested a full accounting of the sale proceeds and validation of the alleged {$8300.00} balance, but no documentation or explanation has ever been provided. For XXXX XXXX XXXX, the account was closed years ago and should not be showing late payments, yet negative reporting remains. For Santander Consumer USA, I disputed the account as unrecognized but never received results of the investigation. In addition, XXXX XXXX is contacting me by email about the same Santander account, sending payment demands and settlement offers, even though I have requested validation. This violates the FDCPAs requirement to cease collection until validation is provided, and the FCRAs requirement that disputed accounts be reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TransUnion : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> Experian : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> Equifax : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> So, each bureau reports XXXX XXXX late, but the month isnt aligned between them this is common because creditors sometimes report differently to each bureau.

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 2025-09-08 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:
TransUnion : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> Experian : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> Equifax : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> So, each bureau reports XXXX XXXX late, but the month isnt aligned between them this is common because creditors sometimes report differently to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under 1692 ( c ), I am requesting that you cease reporting these items until you have verified their accuracy, as required by 1692 ( g ). I demand that you respond to this dispute within XXXX hours and remove the referenced items from my credit report if they can not be verified. 

Please provide me with written confirmation of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems is reporting a XXXX collection that is time-barred, illegally re-aged, inaccurate, and unvalidated. XXXX  is publishing this unlawful tradeline. 

Facts from Report ( XXXX  / XXXX  ) Balance Owed : {$290.00} High Balance : {$230.00} ( unexplained {$60.00} difference ) Date Opened ( collector ) : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( false ) Status : Open / Collection / Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements Violations Expired Debt ( Obsolescence ) : The original XXXX delinquency is well over XXXX XXXX XXXX. 

Reporting it now violates FCRA 605 ( a ) ( 4 ) & ( 5 ) ( 15 U.S.C. 1681c ( a ) ). 

Illegal Re-Aging : Date Opened : XX/XX/XXXX and Date of Last Activity : XX/XX/XXXX are false. 

Only the original DOFD with XXXX controls. 

Violates FCRA 623 ( a ) ( 5 ).

Balance Inaccuracy : High Balance
{$230.00} vs. Balance Owed {$290.00}.

{$60.00} difference is unauthorized and unexplained, violating FCRA 607 ( b ) and FDCPA 1692f ( 1 ).

False Activity Date : Reporting last activity in XXXX when I have made no payment or acknowledgment in years is deceptive and misleading. 

Validation Failures : XXXX has failed to provide : Chain of title/bills of sale proving legal transfer. 

Agreement with my wet-ink signature. 

Itemized accounting showing {$230.00} {$290.00}. 

Final billing statement from XXXX. 

Proof of license/authority to collect in my state.

Violates FDCPA 809 ( b ) and CFPB Reg F, 12 C.F.R. 1006.30 ( a ).

Harm This unlawful re-aged tradeline is depressing my credit score, blockin
g access to credit, insurance, and employment opportunities.

Requested Action Require XXXX  and Southwest Credit Systems to DELETE this tradeline immediately as expired, re-aged, and unvalidated. 

In the alternative, require full method of verification including the actual DOFD and itemized substantiation.

Order Southwest to cease collection/furnishing absent mailed validation. 

Consider enforcement for willful FCRA/FDCPA noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Vanilla gift card was purchased XX/XX/year>, at XXXX, and activated for {$200.00}. On XX/XX/XXXX, I attempted to make a XXXX purchase using it, and it was declined. On XX/XX/XXXX, I attempted to make an XXXX purchase using the card, and it was declined. I tried to make the purchase again, and it was declined a second time. I called their " customer support '' multiple times but could not even get a live person to address the issue. So in other words, Vanilla took the money and is refusing to allow any retailer or platform to actually access that money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), I am entitled to a fully accurate credit report. I request a review of this bankruptcy entry and, if it can not be verified, its removal from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Credit Reporting Under 15 U.S.C. 1681o Dear Credit Reporting Agency Representative, Subject : Dispute of Inaccurate Credit Reporting Under 15 U.S.C. 1681o I am writing to formally dispute an inaccurate entry on my credit report concerning late payment, collection account, or other erroneous negative reporting from Account number XXXX XXXX : XXXX XXXX XXXXXXXX XXXX This incorrect information has caused significant harm to my creditworthiness, and I believe it is a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

Under 15 U.S.C. 1681o, any party that negligently fails to comply with FCRA regulations is liable for actual damages sustained by the consumer. This includes, but is not limited to, financial losses, increased interest rates, and emotional distress caused by incorrect credit reporting.

I am formally requesting the following actions : 1.Immediate Investigation I request a thorough review of this disputed information in accordance with FCRA guidelines .

2.Correction or Deletion If the information is found to be inaccurate, please correct or remove it from my credit report.

3.Written Response Please provide a written response deta
iling your findings and any actions taken.

Failure to correct this error may result in legal action, as negligent noncompliance with the FCRA holds entities accountable for damages caused by incorrect reporting. 

Please consider this letter as a formal dispute. I expect a response within 30 days, as required by FCRA regulations. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They informed me that if I paid it was not coming off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX,  Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted an electronic request to transition from a SAVE repayment plan to an IBR repayment plan. I was placed on an administrative forbearance while the request was processed. I later received XXXX documents both dated XX/XX/XXXX. 

XXXX document advised that my new monthly payment will be {$860.00} and commence XX/XX/XXXX. The document also identified the principal balances of my XXXX direct loans, {$70000.00} and {$22000.00} ( total= {$92000.00} ) However, the second document also dated XX/XX/XXXX also identified a new monthly payment of {$860.00}, but instead of commencing XX/XX/XXXX, the payments would commence XX/XX/XXXX. The document also identified the same principal loan amount but unlike the first document, this document indicated that accrued interest ( capitalized and uncapitalized ) would be added to my loan balances, even though my account has been on an administrative forebearance since I last made payments and while my XXXX application was in review. 

To make matters more confusing, my account currently shows increased loan balances of {$23000.00} and {$72000.00} ( total= {$96000.00} ). Based on this, it appears interest has been added to my account even though I am current enrolled in PSLF and have been on an administrative forebearance throughout. To make matters more confusing, my account shows no history of interest being capitalized to my account and {$0.00} due XX/XX/XXXX, contradicting on of the XX/XX/XXXX letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Back In XXXX, Capital one offered me a XXXX XXXX credit card offer with {$10000.00} credit line. Back then I took out a cash advance of {$5000.00}, and immediately I started making payments on the card. Right around XXXX ( I'm not certain ) I stopped using the card while I continue to make timely payments. By the year XXXX - XXXX, my balance on the card was down to a little over {$2000.00}. 

Around the same year, I had to start using the card again to make payments and purchases on a trucking business I had started to keep the business afloat. When I realized the business was not viable anymore, I had to shut it down and stopped using the card again. Like before, I kept making timely payments. 

Now about three months ago I discovered that the bank had increased the interest charges on the cash advance as it can no longer charge interest on payments and purchases because i stopped using the card. When I called to complain about the development, the bank explanation was i took cash advance, ignoring the fact that I had almost paid off the card. Ever since then, the amount has been increasing by {$1.00} to {$2.00} every month. Out of my minimum monthly payment of {$190.00}, the interest charges on my last payment was {$130.00}. Despite the fact that I have been making more than minimum payment, the balance on the card feels stagnant. 

I urge you to please help me look into this matter kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: CA

Complaint narrative:
The company kickoff continues to send me a monthly credit card statement despite the fact that I close my account XX/XX/XXXXXXXX  I reached out to them XX/XX/XXXXXXXX  reminding them that I close my account and to stop bothering me with statements, they replied sorry see you go. Your account is closed and today I get another statement from them. I am upset. I do not want to be contacted by the company anymore. I do not wish to have a credit card by this company anymore. My account is showing closed therefore I do not want to be bothered anymore. I have asked them multiple times to close my account and stop sending me statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
Issue Summary : TransUnion is reporting an unverified collection tradeline from XXXX XXXX XXXX ( XXXX ) despite the furnishers failure to provide documentary verification. PRAs response dated XX/XX/year>, referenced internal business records and ceasing communications but provided no signed contract, no chain of assignment, and no verification details required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

In addition, TransUnion refused to accept further online disputes while prior disputes were marked pending, effectively blocking my rights under 15 U.S.C. 1681i. My mailed disputes and Method of Verification requests have not been properly addressed.

Laws Violated : 15 U.S.C. 1681e ( b ) Duty to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Reinvestigation required ; unverifiable info must be deleted 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Disclosure of method of verification 15 U.S.C. 1681i ( a ) ( 3 ) ( B ) Notice required if dispute deemed frivolous Resolution Requested : 1. Order TransUnion to delete the PRA tradeline.

2. Require disclosure of method of verification ( system, version, record identifiers ).

3. Require TransUnion to accept mailed disputes when the web portal is blocked.

4. Provide written confirmation of deletion and compliance steps taken.

Attachments ( to upload ) : PRA CFPB response, ID, proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-08 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation