vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX Bank has furnished false and misleading information, and TransUnion and Equifax have knowingly published it, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

This is not the first issue with this tradeline. In XX/XX/XXXX, I filed a CFPB complaint regarding this same account. At that time, XXXX responded that the account was corrected and carried a {$0.00} balance. TransUnion deleted the account, and the matter was represented as resolved. 

However, on XX/XX/XXXX, I personally witnessed TransUnions reporting change in real time. At XXXX XXXX, my XXXX-sourced report ( via XXXX XXXX ) displayed this account with remarks Paid by Collateral / Fixed Rate, consistent with a satisfied/neutral status. By XXXX XXXX the same morning, the same tradeline had been altered to read Charge-off / Account Closed by XXXX XXXX . I have screenshots proving both versions of the tradeline within this XXXX window. 

This demonstrates clear manipulation of my file. XXXX and TransUnion are reporting contradictory statuses without any reinvestigation, transparency, or reinsertion notice. Equifax has also re-reported the account with derogatory coding, compounding the damage. 

These actions violate multiple sections of the FCRA : XXXX ( b ) : Failure to ensure maximum possible accuracy. 

XXXX ( a ) : Failure to reasonably reinvestigate and correct reporting errors. 

XXXX ( a ) ( XXXX ) ( B ) : Reinsertion of derogatory information without required consumer notice within XXXX business days. 

XXXX ( a ) ( XXXX ) ( A ) : XXXX knowingly furnished false/misleading information after acknowledging correction in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV

Complaint narrative:
On XX/XX/XXXX I entered an agreement with a debt consolidation company. In XX/XX/XXXX they reached an agreement and settled the debt owed. On or about XX/XX/XXXX the debt was paid in full and i have letters to prove it. On or about XX/XX/XXXX XXXX XXXX sold a bulk of debt to crown Asset Management. Now im getting sued for a debt thatwas already paid and settled for with the original creditor. Deity all the compelling evidenc3 that I paid the debt the attorney lied to judge and said our documents were fake. Yet XXXX XXXX XXXX  representing crown Asset Management redacted all the Information so its quite possible le they are faking it which means they got a judgement which is under appeal Furthermore, XXXX XXXX XXXX  called our debt consolidations company pretending to be me and submitted documents that were never tendered in court or to Defendants. We received an email marked " Emergency '' informing me about the documents and pretending to be me to gain unauthorized access. 

I just hired an attorney to deal with this company and their legal shannighans. I also rounded up 50 other people in my county and we are proceeding with a federal filing on Crown Asset Management and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I am requesting that Santander : 1. Remove all inaccurate and false reporting of Voluntary Surrender, repossession, and charge-off from my credit reports with XXXX, XXXX, and XXXX.

2. Provide copies of all notices allegedly sent and full details of any sale, including date, location, buyer, and amount applied.

3. Compensate me for the loss of my personal property that was inside the repossessed vehicle.

4. Ensure full compliance with Indiana law, the Uniform Commercial Code ( UCC ), and the Fair Credit Reporting Act ( FCRA ).

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

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I am submitting this complaint as a concerned consumer regarding several items currently reported on my credit file that are inaccurate, misleading, and not in compliance with federal law. I respectfully request a full reinvestigation and removal of these accounts and inquiries as outlined below. 
First, my credit report reflects a number of charge-offs that are not compliant with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) shows a balance of {$5800.00}, XXXX  XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows {$4100.00}, and XXXX separate accounts with BANK XXXX XXXX reflect balances of {$3000.00} and {$5300.00} * *. These accounts are all listed as charge-offs, yet no IRS XXXX XXXX has been issued despite the balances exceeding {$600.00}. Under FCRA XXXX ( b ), you are obligated to ensure maximum possible accuracy in reporting, and leaving these items as charge-offs without the required documentation constitutes inaccurate and incomplete reporting. For that reason, I am requesting their removal. 
Additionally, my credit report lists XXXX ( Account No. XXXX ) * as charged off with a reported balance of {$0.00}. Since the balance is XXXX, continued reporting of this as a charged-off debt is inaccurate and misleading. Under XXXX / 15 U.S.C. XXXX and FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), I have the right to dispute such information and demand its prompt deletion. 
Finally, I must dispute the following inquiries, which appear on my report without proper authorization. These include : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries do not appear to have been made with my consent or in connection with any permissible purpose as outlined in FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ). Furthermore, obtaining or using a consumer report under false pretenses is a violation of FCRA XXXX 15 U.S.C. XXXX. Since these inquiries are not valid, I request that they be removed immediately from my report under FCRA XXXX ( a ) .These include XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Accessing a consumers credit file without consent or a legitimate purpose violates FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) and falls under the provisions of FCRA XXXX 15 U.S.C. XXXX, which prohibit the use of credit reports under false pretenses. Under FCRA XXXX ( a ), I am requesting that these inquiries be removed.

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

Complaint narrative:
I am submitting this complaint as a concerned consumer regarding several items currently reported on my credit file that are inaccurate, misleading, and not in compliance with federal law. I respectfully request a full reinvestigation and removal of these accounts and inquiries as outlined below. 
First, my credit report reflects a number of charge-offs that are not compliant with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) shows a balance of {$5800.00}, XXXX  XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows {$4100.00}, and XXXX separate accounts with BANK XXXX XXXX reflect balances of {$3000.00} and {$5300.00} * *. These accounts are all listed as charge-offs, yet no IRS XXXX XXXX has been issued despite the balances exceeding {$600.00}. Under FCRA XXXX ( b ), you are obligated to ensure maximum possible accuracy in reporting, and leaving these items as charge-offs without the required documentation constitutes inaccurate and incomplete reporting. For that reason, I am requesting their removal. 
Additionally, my credit report lists XXXX ( Account No. XXXX ) * as charged off with a reported balance of {$0.00}. Since the balance is XXXX, continued reporting of this as a charged-off debt is inaccurate and misleading. Under XXXX / 15 U.S.C. XXXX and FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), I have the right to dispute such information and demand its prompt deletion. 
Finally, I must dispute the following inquiries, which appear on my report without proper authorization. These include : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries do not appear to have been made with my consent or in connection with any permissible purpose as outlined in FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ). Furthermore, obtaining or using a consumer report under false pretenses is a violation of FCRA XXXX 15 U.S.C. XXXX. Since these inquiries are not valid, I request that they be removed immediately from my report under FCRA XXXX ( a ) .These include XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Accessing a consumers credit file without consent or a legitimate purpose violates FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) and falls under the provisions of FCRA XXXX 15 U.S.C. XXXX, which prohibit the use of credit reports under false pretenses. Under FCRA XXXX ( a ), I am requesting that these inquiries be removed.

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 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
In XX/XX/year>2024, I took out a loan with Right Now Loan. The loan details are as follows : Amount Financed : {$1000.00} Finance Charge : {$7100.00} Interest Rate : 766.60 % Total Amount Due : {$8200.00} Loan Type : Installation Loan Approval Date : XX/XX/year>2024 Effective Date : XX/XX/scrub> 2024 Loan Number : XXXX This loan had extremely abusive and predatory terms. The company 's automatic withdrawals caused a major financial crisis, resulting in bank fees, difficulty paying my rent, and other essential expenses. 

I am still suffering the consequences of this loan and its unfair rates today. The company has not offered a fair solution, including loan forgiveness and compensation for the harm suffered. 

I therefore request a full investigation by the CFPB into Right Now Loan 's lending and collection practices, and the termination or cancellation of this loan given its abusive terms.

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

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : XXXX XXXX XXXX  Reported Item : Delinquency / Past Due Balance This account was never activated or used. I applied for a XXXX  XXXX credit card and was approved for a credit line ; however, XXXX XXXX requested documentation that I could not provide. They informed me that the account would be closed and that all amounts would be zeroed out. Despite this, the account is being reported as past due, which is inaccurate and misleading.

Under the FCRA, only accurate information may be reported. I am requesting that this incorrect delinquency be removed from my credit file. Please investigate this matter with XXXX XXXX XXXX  and delete this account or correct the reporting to show closed, {$0.00} balance, never delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime financial services would not help me recover the money that was stolen from me by a phishing scam.

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

Complaint narrative:
This vehicle was voluntarily returned, not repossessed. 
XXXX XXXX has never provided me with a buyout figure, deficiency balance calculation, or auction/bill of sale documentation after the vehicle was sold. 
The account history is inconsistent and misleadingfor example, it reports a high balance of {$28000.00} in XX/XX/XXXX through XX/XX/XXXX, and again in XX/XX/XXXX, without proper explanation. 
This reporting is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, the credit bureau is required to conduct a reasonable reinvestigation and delete or correct inaccurate information. 
Continuing to report unverifiable information after multiple disputes is a violation of my rights. 
I have disputed this account with TransUnion multiple times, yet TransUnion has continued to verify the account without providing proof of verification or correcting the inaccurate information. 
I have also disputed directly with the furnisher ( XXXX XXXX ), but they failed to provide proper documentation. 

Its another account XXXX Im not familiar with this creditor. 
I sent in several disputes with updating my name and provided documentation its still on my 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 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
Company Name : Medical Data Systems, Inc. d/b/a XXXX XXXX XXXX Company Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX Phone Number : ( XXXX ) XXXX Type of Complaint : Debt Collection Attempting to collect debt not owed Details of the Complaint : I am filing this complaint against Medical Data Systems , Inc. d/b/a XXXX XXXX XXXX for harassing and fraudulent debt collection practices. 

On XX/XX/year>, the company sent me a letter confirming that they had submitted a deletion request to the credit reporting agencies for the following accounts, as they did not belong to me : Account XXXX. XXXX, XXXX, XXXX, XXXX However, on XX/XX/year>, I received an email from the same company attempting to collect {$15000.00} on these same accounts. This directly contradicts their own written notice confirming deletion and clearly demonstrates harassment, misrepresentation, and unlawful debt collection activity. 

This company is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, by : Attempting to collect debts they previously confirmed were not mine.

Sending contradictory communications, causing confusion and harassment.

Failing to honor their written confirmation that the accounts were deleted.

Resolution Requested : I request that the CFPB ensure that Medical Data Systems, Inc. : 1. Immediately and permanently cease all collection activity on these fraudulent accounts.

2. Provide written confirmation that the accounts will not be re-reported or pursued in the future.

3. Correct any negative credit reporting tied to these accounts. 

I am attaching copies of both the XX/XX/year> deletion letter and the XX/XX/year> collection email as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-09 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some XXXX be duplicates, and others XXXX lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute the collection accounts reported on my credit file that appear to contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 1681i, I have the right to an accurate and verifiable credit report. I am requesting a full investigation of these accounts, and if they can not be verified as accurate, they must be deleted from my 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