vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX XX/XX/XXXXXXXX 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

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: CA

Complaint narrative:
Submitted dispute about 2 transactions on my statement that are not mine. Received letter stating i would be credited for the disputes. For each one i receiced a credit and an additional charge so therefore nothing was resolved. I was put over my credit limit and was penalized with interest and fees. I continued to make minimum payment but was still penalized and reported to credit bureau. My disputes were completely ignored until i filed the first complaint. This has gone on since XX/XX/year> and {$140.00} and {$53.00} are fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Im requesting the description of the reinvestiigation procedure according to15 USC1681i-7 state if requested by consumer this must be provided within 15 days in Oder to be in compliance within FCRA guidelines

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
WFC charged off ( 2023 ) closed accounts still reporting accounts should not be reporting on my crefit file. I need these charged off and closed accounts to be removed off my personal credit file this is causing major impacts in my life and I need this resolved. According to the law it states anything that is on a person 's report should be removed if it's a charge off and closed account. I do not give them to the right or permission to leave it on my credit report. 
I would like these resolutions resolved ASAP please. There are several WFC inaccurate and charged off accounts that I am not even aware of. I need all these inaccurate charge off closed accounts removed and deleted immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported on my credit reports by XXXX furnishers : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX regarding the following accounts : XXXX. XXXX XXXX XXXX XXXX : Charged off. {$9900.00} written off, {$9900.00} past due as of XX/XX/XXXX. 

Continuous charge-off reporting from XXXX through XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Charged off. {$17000.00} written off, {$17000.00} past due as of XX/XX/XXXX. 

Continuous charge-off reporting from XX/XX/XXXX through XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX : Charged Off Debt {$11000.00}. 
XXXX. XXXX XXXX : In Collections : {$1600.00} identity fraud I formally submitted written disputes under the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX to both institutions requesting : A certified copy of the original signed contracts bearing my signature. 

Full payment histories and accounting records. 

Documentation proving permissible purpose under FCRA XXXX. 

Proof of lawful standing and authority to report or collect. 

Proof that notices of dispute were properly placed within XXXX  days. 

Neither institution provided the required documentation within the legally mandated timeframe. Despite their failure to validate the debts, both continue to report derogatory and damaging information. 

I also invoked the maxim Truth is sovereign in commerce, requiring verifiable, sworn evidence of any financial obligation. No such evidence was provided. 

Their actions violate my rights under the FCRA and potentially constitute misrepresentation in commerce.

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 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Amount : {$740.00} XXXX XXXX XXXX This company has been misreporting this account as a third party, as an obligation owed by XXXX XXXX XXXX. 

31 US Code 1501 - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( XXXX ) a loan agreement showing the amount and terms of repayment This statute CLEARLY outlines the above account as a UNITED STATES GOVERNMENT OBLIGATION ( emphasis added by me ). Therefore, I once again, demand that XXXX XXXX immediately cease all negative reporting to the credit bureaus on my behalf and delete these reports to the credit bureaus within 15 days of the receipt of this dispute. Failure to correct the reporting for this account will result in a lawsuit that outlines all of the attempts I have made to get this rectified, which will also show that XXXX XXXX as well as the reporting agencies have been knowingly and intentionally providing false information regarding this account which is in direct violation of not only the United States Code but the FRCA as well.

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 2025-04-26 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:
XXXX XXXX XXXX XXXX XXXX  Amount : {$740.00} XXXX XXXX XXXX This company has been misreporting this account as a third party, as an obligation owed by XXXX XXXX XXXX. 

XXXX XXXX Code XXXX - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( XXXX ) a loan agreement showing the amount and terms of repayment This statute CLEARLY outlines the above account as a UNITED STATES GOVERNMENT OBLIGATION ( emphasis added by me ). Therefore, I once again, demand that XXXX XXXX immediately cease all negative reporting to the credit bureaus on my behalf and delete these reports to the credit bureaus within 15 days of the receipt of this dispute. Failure to correct the reporting for this account will result in a lawsuit that outlines all of the attempts I have made to get this rectified, which will also show that XXXX XXXX as well as the reporting agencies have been knowingly and intentionally providing false information regarding this account which is in direct violation of not only the United States Code but the FRCA as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was at work and 5 transactions was made at XXXX for XXXX $ total once I got to the end of my route and saw this I immediately called Chime and told them and they said they will resolve the issue and ordered me a new bank card and they didnt start the case when I called I had to call 5 days later then they told me to wait until XXXX then I get an email this morning saying I only could get approved for XXXX $ XXXX $ back because there were ( no errors occurred )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
It's been a month without knowing anything, Santander Consumer USA has not sent me any documents, their agents only pressure me into paying them XXXX dollars, I tell them how they want me to pay them and if they don't want to return my car to me and I don't have a job, they just make fun of me and keep me waiting and suddenly they hang up on me, the XXXX XXXX XXXX XXXX IN XXXX XXXX KNOWS THAT THERE IS NO LIEN ON MY CAR OR LIEN HOLDER im the ower of my car which now they do not want to return my car to me, it seems that they are a collection company that robs people of their properties to sell them, they say they will return my call until I have an erasure order but there is a reason for which they want me to pass the 60 days as if there has been no claim and sell the car which is fraud and theft Please help me because I can't do anything anymore. I don't know what to do. I try to do things right.Please help me, I'm tired of this ongoing dispute against Santander Consumer USA and who do I hold responsible for now affecting my credit? I don't know if they are a type of scam because they can fear access to all information and to ruin my credit. I don't know why they are clinging to wanting to force me to pay them when they are the ones who have been stealing from me. How is it possible that since the year that XXXX bought the car XX/XX/XXXX until now, the present only my balance has dropped XXXX XXXX dollars in the provincial balance that already includes the interest rates, it seems that I am only paying XXXX dollars a month when my payments are {$660.00}, gentlemen, let 's do the quandaries and you XXXX if it is that Santander Consumer USA are going to leave you doing what you eyps who will take advantage of the situation, my monthly payments are {$660.00} each month from XXXX to XXXX are XXXX XXXX = {$4000.00} XX/XX/XXXX to XXXX are XXXX XXXX XXXX = {$8000.00} XX/XX/XXXX to XX/XX/XXXX the same a total of = {$8000.00}. XXXX XXXX XXXX the XXXX of down are a total of XXXX emtonses plrn that the Santander reporters show another thing and that is document fraud, and je still say or show the o need to pay them more than XXXX to release om pay already a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I made a purchase from someone who never delivered the product. I sent {$500.00} via cashapp, after weeks it was clear the person was a scammer. I tried numerous times to refund directly with the person. I then attempted to report this person 's cashapp account and speak to cashapp support. No response ever came and no consequences for the scammer. I tried several times but could never reach any support team, kept being redirected to an FAQ page. They say to dispute with my bank which I did, cashapp responda by putting my account in a negative balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request for Deletion Due to Incomplete and Misleading Reporting XXXX XXXX Account To Whom It May Concern, I am writing regarding the XXXX XXXX account that appears on my credit report.

Recently, it came to my attention that key remarks including Consumer disputes after resolution and Charged off account were removed from the reporting of this account between XX/XX/year> and XX/XX/year>. 

The removal of these remarks materially changes the nature of the reporting on this account. Under the Fair Credit Reporting Act ( FCRA ), credit information must be complete, accurate, and not misleading. As it currently stands, the reporting of this account is incomplete, and the prior serious derogatory notations having been removed creates a misleading depiction of the accounts history. 

Given the changes, I respectfully request the permanent deletion of this account from my credit file with your bureau. 
Please consider this request under both the FCRA and as a matter of goodwill, in recognition of the efforts made to resolve any previous disputes.

If this account can not be verified as fully complete and accurate, I request that it be deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-04-26 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: PA

Complaint narrative:
Subject : Request for Deletion Due to Incomplete and Misleading Reporting XXXX XXXX Account To Whom It May Concern, I am writing regarding the XXXX XXXX account that appears on my credit report.

Recently, it came to my attention that key remarks including Consumer disputes after resolution and Charged off account were removed from the reporting of this account between XX/XX/year> and XX/XX/year>. 

The removal of these remarks materially changes the nature of the reporting on this account. Under the Fair Credit Reporting Act ( FCRA ), credit information must be complete, accurate, and not misleading. As it currently stands, the reporting of this account is incomplete, and the prior serious derogatory notations having been removed creates a misleading depiction of the accounts history. 

Given the changes, I respectfully request the permanent deletion of this account from my credit file with your bureau. 
Please consider this request under both the FCRA and as a matter of goodwill, in recognition of the efforts made to resolve any previous disputes.

If this account can not be verified as fully complete and accurate, I request that it be deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have recently disputed and requested and removed from my credit bureau XXXX and XXXX the XXXX XXXX  collection be removed and deleted,15usc 1681 15 Bii to be permanently be deleted and removed and if the false account was not deleted, i will seek monetary damages for these inaccuracies on my credit report, this is federal law and direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
There is and inaccurate debt on my credit report for a {$16000.00} balance on an auto finance loan. Ive already contacted the bank in order to receive a proof of sales purchase to disprove that I am the actual debtor.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC SYSTEMS illegal acquired my private consumer credit report. I did not authorize IC systems to report on my consumer credit report. No written consent was given.

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 2025-04-26 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: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate late payment entries from my credit report for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. These entries are erroneous and do not accurately reflect my payment history. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1666 ( b ), to dispute these inaccuracies. 

Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that the information they report is accurate and only shared for permissible purposes. The late payment entries in question are incorrect and have been reported without proper verification, thus violating this statute. 

Additionally, 15 U.S.C. 1666 ( b ) provides consumers with the right to dispute billing errors, which include inaccuracies in reported payment history. I am exercising this right to challenge the erroneous late payment entries and request their immediate correction. 

The specific entries I am disputing are as follows : 1. XXXX XXXX XXXXXXXX - Late Payment Reported for XX/XX/year> In accordance with Section 605B of the FCRA, I am providing a sworn statement asserting that these late payment entries are inaccurate. 

Please conduct a thorough investigation into these matters and provide me with written confirmation of the deletion or correction of these entries. I expect a response within the 14-day period mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to resolving these inaccuracies promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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