vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at 15 U.S. Code 1681 et. seq., this creditor has violated my rights. Under 15 U.S. Code 1681 602 ( a ) 4, it is stated that I have the right to privacy. Furthermore, 15 U.S. Code 1681b 604 Sec. 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Furthermore, 15 U.S. Code 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose. 

This is in reference to account # 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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

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 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander is attempting to collect on a loan that is showing up on my tax transcript as a 1099c. Meaning the income is being reported by me. Santander should not be calling, emailing or texting about this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I would like you to remove the accounts that I have reported please because I am a victim of identity theft and I uploaded here all my identity theft documents. There is a lot of fraudulent information on my credit profile that I would like you to remove for me please. Thanks you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After recently reading through a copy of my consumer report I saw several inaccurate items. Im exercising my right to have an accurate and fair consumer report pursuant to 15 USC 1681a ( 1 ).

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the inaccurate items listed below still remain on my credit report in violation of Federal Law. Your Company continues to report inaccurate personal information and with your refusal to delete INACCURATE & Invalidated information from my consumer file is Defamation and causing me Financial Injury. This is my last attempt to peacefully resolve the issue. From my research : YOU ARE IN VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance My Correct Name is : XXXX XXXX XXXX The name listed below are Incorrect : DELETE IMMEDIATELY AND UPDATE TO THE ABOVE NAME SEE VERIFICATION ATTACHED. 
XXXX XXXX XXXX XXXX XXXX XXXX My Correct Address is : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX The addresses listed below are Incorrect and Undeliverable to Me DELETE IMMEDIATELY : The following addresses are Wrong : DELETE AND UPDATE TO MY CORRECT ADDRESS ABOVE. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DELETE ALL EMPLOYMENT LISTED AS IT IS NOT REQUIRED! 
I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED! 
Attached is a copy of my Drivers License for proof of identity, Social Security Card & Car Registration with the correct address. This is the ONLY address that should be listed on my consumer report.

I demand the following changes be made to allow my consumer report to be reporting maximum accuracy under 15USC 1681 ( e ) ( b ).

Thanks for Your Immediate Resolution into this Matter,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at 15 U.S. Code 1681 et. seq., this creditor has violated my rights. Under 15 U.S. Code 1681 602 ( a ) 4, it is stated that I have the right to privacy. Furthermore, 15 U.S. Code 1681b 604 Sec. 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Furthermore, 15 U.S. Code 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose. 

This is in regards to Account # XXXX. Said account shows up on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fairway Capital Recovery, LLC
State: SC

Complaint narrative:
I received a collection on my credit report from XXXX XXXX XXXX XXXX. I never received and notice or verification of debt prior to posting this as a collection on my credit report. 

I had no balance due to original creditor. 

No proof that this debt collector owns the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent formal written correspondence to CAINE & WEINER regarding collection activity on my account ( s ). The letter requested the validation of the alleged debt ( s ) under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The letters were sent via Certified Mail, and as of today 's date, I have not received any response, nor any verification of the debt as required by law.

Despite this, collection efforts have continued and this is still listed on my credit report. This lack of response constitutes a violation of federal consumer protection laws, specifically : FDCPA, 15 U.S.C. 1692g ( b ) : Prohibits continued collection activity, including credit reporting, without proper verification of the debt.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or unverified information to consumer reporting agencies.

Failure to acknowledge or validate the debt within a reasonable time frame, creating uncertainty and legal risk for me as a consumer.

I am seeking an investigation into this matter, a formal response from the creditor/collector, and any remedies available under the law, including penalties for noncompliance if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My husband deposited his paycheck on XX/XX/XXXX and the funds were taken from his employers account the same day. Ally then put an extended hold on the check saying that the check wouldn't clear. As a direct result of this we did not have the funds to pay our bills and got late payments

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 2025-05-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Today I cancel my membership with XXXX ... and to do so you must call as it's very hard to find where to do it online. So I called them and they force me to type my SSN. So after I cancel my subscription I logged in again into XXXX since they told me my subscription will remain until XX/XX/XXXX. 

So after I logged in I already had XXXX notification that they have found my SSN on the dark web... I think this is a fake notificaiton trying to make me scare because I cancel the subscription. They should not use the information I just gave them to scare 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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/2025 I have signed up on the promotional offer with Discover regarding the supermarket purchases ( 5 % ). However when I received my bill the reflected bonus of {$33.00} was way below the {$57.00} bonus as qualified. 
On XX/XX/2025 I called the customer service and both the XXXX and her supervisor were unable to process the credit for the missing amount by trying to change the narrative to the available bonus amount which was already accrued in th e previous transaction before the statement period. 
The statement sent to me specifically stated the amount of 5 % = {$33.00} which is mathematically wrong. 
It is very disappointing that the XXXX are unable and not authorized to address the issue and instead of stating so they are arguing in bad faith wasting both time and creating the argument where there should be none. 

I have been a card member with Discover since XXXX and I absolutely resent this type of low ethics and disrespectful way of doing business. XX/XX/2025 I have signed up on the promotional offer with Discover regarding the supermarket purchases ( 5 % ). However when I received my bill the reflected bonus of {$33.00} was way below the {$57.00} bonus as qualified. 
On XX/XX/2025 I called the customer service and both the XXXX and her XXXX were unable to process the credit for the missing amount by trying to change the narrative to the available bonus amount which was already accrued in th XXXX previous transaction before the statement period. 
The statement sent to me specifically stated the amount of 5 % = {$33.00} which is mathematically wrong. 
It is very disappointing that the XXXX are unable and not authorized to address the issue and instead of stating so they are arguing in bad faith wasting both time and creating the argument where there should be none. 

I have been a card member with Discover since XXXX and I absolutely resent this type of low ethics and disrespectful way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Credence Resource Management contacted me in early XXXX about an alleged debt from XXXX that had gone to collections. When I asked for a verification letter, they sent me an inadequate communication that only stated the creditor name, the balance they claim I owed, and my account number. They did not include any information about the debt, such as an itemized list of amounts owed, and they did not include any information on how to dispute the debt. Both of these things are required by the Fair Debt Collection Practices Act. When I called XXXX, they were unable to confirm if I owed any money, and advised that I go into a local store. When I went to the store with my final bill, showing {$0.00} owed, they were able to confirm that I did not have any outstanding balances on my account. They also mentioned that they had never seen this collection agency before, implying that they were not a legitimate company that XXXX used to collect debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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 have repeatedly informed Transunion of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-05-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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