vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-27 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: AR

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year>2022, I entered into an auto financing contract with XXXX XXXX and Santander XXXX  USA for vehicle VIN : XXXX. I believe the dealership and/or lender engaged in deceptive and unlawful practices : I was not provided full and accurate disclosures under the Truth in Lending Act ( 15 U.S.C. 1601 et seq., Regulation Z, 12 C.F.R. Part 1026 ).

I was misled to believe that a down payment of {$500.00} was required to take delivery of the vehicle.

I was informed I could refinance my loan within six months, but refinancing was refused, despite my inquiries and reliance on this representation. This constitutes an unfair and deceptive practice.

These practices may violate the Federal Trade Commission Act ( 15 U.S.C. 45 ) and applicable state UDAP laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Re : Fraudulent Accounts/ Identity Theft Dispute Creditor/Collector : XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX Account Numbers : [ Insert as listed in reports for both {$430.00} & {$1000.00} accounts ] To Whom It May Concern : I am writing to formally dispute and demand the removal of the above-referenced accounts that appear on my credit file. These accounts are the result of identity theft and were fraudulently opened without my knowledge, consent, or authorization. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request an immediate reinvestigation and deletion of these accounts from my credit report. 

Legal Basis for Dispute 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires consumer reporting agencies to block reporting of information that results from identity theft when the consumer submits an identity theft report.

2. FCRA 611 ( 15 U.S.C. 1681i ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed accounts and delete or correct inaccurate information within XXXX XXXX 
XXXX. Case Law Supporting Deletion of Fraudulent Accounts : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : The court held that a credit reporting agency must do more than a superficial investigation when a consumer disputes information. 
Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Found that failure to conduct a reasonable investigation under the FCRA gives rise to liability.

Henson v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ) : Confirmed that consumer reporting agencies must ensure accuracy in credit reports and properly handle disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
I am filing this complaint because Experian and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted since XX/XX/XXXX, most recently on XX/XX/XXXX, both bureaus continue to report inaccurate, unverifiable, and fraudulent information on my credit file. 

The disputed items include : A XXXX  XXXX bankruptcy ( Case # XXXX ). 

Unauthorized inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). 

Multiple charge-offs from XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Incorrect personal information reporting under the name XXXX XXXX XXXX, which is not my legal name. 

These items remain on my file despite clear requests for deletion and documentary evidence showing they are either inaccurate or unverifiable. Both bureaus have failed to : Conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ).

Provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

Ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ).

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because Experian and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted since XX/XX/XXXX, most recently on XX/XX/XXXX, both bureaus continue to report inaccurate, unverifiable, and fraudulent information on my credit file. 

The disputed items include : A XXXX  XXXX bankruptcy ( Case # XXXX ). 

Unauthorized inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). 

Multiple charge-offs from XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Incorrect personal information reporting under the name XXXX XXXX XXXX, which is not my legal name. 

These items remain on my file despite clear requests for deletion and documentary evidence showing they are either inaccurate or unverifiable. Both bureaus have failed to : Conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ).

Provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

Ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ).

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-27 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: KY

Complaint narrative:
I am formally disputing the inclusion of the below items on my credit report. I have no knowledge of this items, and I did not authorize, open, or benefit from any goods, services, or funds related to it. I believe this account is the result of fraudulent activity and/or identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. As this account is both inaccurate and unverifiable, it must be corrected or updated in accordance with federal law. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX. for reporting inaccurate and contradictory information about my credit card account to all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). 

On my credit file, XXXX XXXX is simultaneously reporting this account as a Charge Off while also showing a status of Never Late. This reporting is inconsistent, contradictory, and misleading. An account can not accurately be both charged off and never late.

I have never had late payments reported on this account, and the history correctly shows a Never Late record. Therefore, the account should only reflect Never Late and in good standing, not a derogatory charge-off status.

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or reasonably should know is inaccurate. It also creates significant and unjustified harm to my credit profile, as a charge-off is considered a serious derogatory mark.

I am requesting the CFPBs assistance to : Require XXXX XXXX XXXX  to conduct a proper investigation into this reporting. 

Have XXXX XXXX immediately correct or delete the erroneous Charge Off status from my credit file. 

Ensure that my account is accurately reported as Never Late and in good standing with all credit reporting agencies.

I am attaching copies of my credit reports highlighting the inconsistent reporting for your review.

Thank you for your attention to this matter. I request prompt corrective action to ensure my consumer rights under the FCRA are upheld.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX  ( XXXX ), XXXX. for reporting inaccurate and contradictory information about my credit card account to all three major credit reporting agencies ( Equifax, XXXX, and XXXX  ). 

On my credit file, XXXX XXXX is simultaneously reporting this account as a Charge Off while also showing a status of Never Late. This reporting is inconsistent, contradictory, and misleading. An account can not accurately be both charged off and never late.

I have never had late payments reported on this account, and the history correctly shows a Never Late record. Therefore, the account should only reflect Never Late and in good standing, not a derogatory charge-off status.

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or reasonably should know is inaccurate. It also creates significant and unjustified harm to my credit profile, as a charge-off is considered a serious derogatory mark. 

I am requesting the CFPBs assistance to : Require XXXX XXXX XXXX  to conduct a proper investigation into this reporting. 

Have XXXX XXXX immediately correct or delete the erroneous Charge Off status from my credit file.

Ensure that my account is accurately reported as Never Late and in good standing with all credit reporting agencies.

I am attaching copies of my credit reports highlighting the inconsistent reporting for your review.

Thank you for your attention to this matter. I request prompt corrective action to ensure my consumer rights under the FCRA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There was reply for all debt they place on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, Midland Credit Management XXXX. reported an account in the amount of {$720.00} and placed it for collection. I dispute this debt and do not believe the information being reported is accurate. 

I have requested verification of this account, but Midland Credit Management has not provided proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, the account remains listed as open and continues to cause harm to my credit report. 

Because this account is inaccurate and unverifiable, I am requesting that it be fully investigated and that it be deleted or corrected in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of charater ) amex balance {$3200.00}, JPMCB CARD balance {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of charater ) amex balance {$3200.00}, JPMCB CARD balance {$26000.00}

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 2025-08-27 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:
I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Late Dates XX/XX/year> & XX/XX/year> & XXXX XXXX Late Dates XX/XX/year> & XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One 360 Checking account in XX/XX/XXXX under a promotional offer promising a {$350.00} bonus if I received two direct deposits of {$500.00} or more within 75 days. I set up direct deposit from my employer, totaling over {$2200.00} via 9 recurring biweekly deposits of {$250.00}, and soon to be 10 come XX/XX/XXXX. i've attached screenshot and XXXX of my direct deposits. Capital One is now denying the bonus, claiming each deposit must individually be {$500.00}, despite no such language in the public-facing terms. This interpretation was not disclosed up front and misleads consumers. I met the intent of the offer, with verified employer payroll deposits. I am requesting that Capital One honor the terms or provide a courtesy adjustment. The verbiage of promotion stated " receive 2 direct deposits of {$500.00} or more within 75 days ''. It did not say " only deposits of {$500.00} or more per transaction count '' or Multiple deposits totaling {$500.00} do not qualify '' If their goal was to establish payroll and income to obtain a new customer, i satisfied that and then some. I also have 2 credit cards in Great standing and a Cap one savings account that i also deposit {$250.00} in biweekly as well, which demonstrates i am a great customer. I just noticed my deposit bonus was not credited so i called 2x and each rep just said im sorry, you dont qualify. In theory, what they are stating, if i direct deposited {$490.00} weekly which would exceed their {$1000.00} requirements 10 fold, i would still not receive this bonus- which makes no sense at all! Every other bank that offers such bonuses accepts " total deposits '' in a given time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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