vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander has out of compliance with federal, state and consumer right laws and regulations. They have not completed a thorough investigation to ensure my loan did not fall under their predatory lending lawsuit or Covid hardship laws. They have not sent verification requirements Under FCRA they have at best done a sham investigation the several times I have disputed the accuracy of this account. I want the CFPB to hold them to comply with all laws and furnish accurate and original documentation for the information reported to credit agencies or delete this account completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 

XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX Balance {$700.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: UT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second complaint because TransUnions previous response was inaccurate, incomplete, and did not comply with federal law. TransUnion falsely claimed that I attempted to block fraudulent information even though I never filed an identity theft claim, never submitted a fraud affidavit, and never requested any type of fraud block. My dispute was a standard factual dispute of inaccurate and unverified information. TransUnions statement is a stall tactic and violates FCRA 602, 611 ( a ), and 611 ( a ) ( 3 ). Additionally, TransUnion did not provide any validation or verification documentation for the accounts I disputed : XXXX XXXX ( late payment ), XXXX XXXX  ( late payment ), XXXX XXXX XXXX ( collection ), XXXX XXXX XXXX XXXX ( charge-off ), and XXXX XXXX XXXX XXXXXXXX ( duplicate charge-off ). Instead, TransUnion left these items labeled as ACTIVE DISPUTE, which does not satisfy the FCRA requirement to conduct a reinvestigation within 30 days. Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion must complete a reasonable reinvestigation and provide resultsnot leave accounts in permanent dispute status. To legally verify a late payment, TransUnion must obtain the original contract, the full payment history, the due date, the posting date, and the creditors internal records showing the payment was actually late. To verify a collection or a charge-off, TransUnion must have the original signed agreement, complete itemized account history, DOFD ( Date of First Delinquency ), charge-off calculation breakdown, ownership documents, and the chain of assignment showing the furnisher has legal authority to report the debt. None of this was provided. TransUnion simply stated that they contacted the creditors, which is not proof and violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because they failed to provide the method of verification. I am fully aware of the numerous lawsuits, class actions, and federal enforcement actions against TransUnion for lack of reinvestigation, inaccurate reporting, failing to follow Metro-2, and mishandling of consumer dataas well as the well-documented TransUnion data breaches exposing consumer information. This behavior is consistent with the documented issues. TransUnion continues to furnish unverified information, use stall letters, mischaracterize consumer disputes as fraud claims, and refuses to provide validation or documentation as required by the FCRA, FDCPA accuracy standards, and Metro-2 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 non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sending to dispute inaccurate reporting on several accounts listed under my name. I value accuracy and transparency in my credit history and am requesting that these matters be thoroughly reviewed and corrected in accordance with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$2000.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-27 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: NY

Complaint narrative:
I am sending to dispute inaccurate reporting on several accounts listed under my name. I value accuracy and transparency in my credit history and am requesting that these matters be thoroughly reviewed and corrected in accordance with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$2000.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report, as permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). This statute provides me the right to dispute any inaccurate information, and 15 U.S.C. 1681b stipulates that credit inquiries can only be conducted under specific, permissible circumstances. 

The following inquiries were not authorized by me and therefore, I request their immediate removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified multiple serious inaccuracies in the reporting of my XXXX XXXX XXXX account that require immediate investigation and correction. ACCOUNT INFORMATION : Creditor : XXXX XXXX XXXX Account Number : ending in XXXX  ] Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  DISPUTED ITEMS AND INACCURACIES : 1. INACCURATE BALANCE EXCEEDING CREDIT LIMIT Current Reporting : Balance of {$14000.00} with credit limit of {$9000.00} Inaccuracy : The reported balance exceeds the credit limit by {$5400.00} ( 60 % over limit ) Violation : This violates FCRA Section 611 requirements for accurate reporting Required Action : Investigate and correct the balance to reflect accurate amount or provide documentation explaining how balance legally exceeded limit 2. INCORRECT DATE OF FIRST DELINQUENCY ( DOFD ) Current Reporting : Payment history shows 30-day late in XX/XX/XXXX Last Payment Made : XX/XX/XXXXXXXX  Inaccuracy : DOFD appears to predate the actual first missed payment Violation : This violates FCRA Section 623 ( a ) ( 5 ) requiring accurate DOFD reporting Required Action : Correct the DOFD to reflect the actual date of first delinquency 3. CHARGE-OFF DATE INCONSISTENCY Current Reporting : Charge-off status beginning XX/XX/XXXXXXXX  Account Closed : XX/XX/XXXXXXXX  Inaccuracy : Account can not be charged-off months after it was already closed Violation : Timeline inconsistency violates FCRA accuracy requirements Required Action : Correct the charge-off date or remove if inaccurate 4. IMPROPER CONTINUED REPORTING POST-CHARGE-OFF Current Reporting : Monthly updates continuing through XXXX  on charged-off account Inaccuracy : Original creditor continuing to report after charge-off typically indicates account was sold Violation : Improper reporting practices under FCRA Section 623 Required Action : If account was sold, balance should be updated to {$0.00} with proper status 5. HIGH BALANCE REPORTING ON CLOSED ACCOUNT Current Reporting : High balance of {$14000.00} from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  Account Status : Closed XX/XX/XXXXXXXX  Inaccuracy : Can not have new high balances on account closed over 2 years ago Violation : False reporting under FCRA Section 611 Required Action : Remove or correct high balance history for closed account

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Services is reporting a collection account ( Account XXXX for {$2000.00} ) on my credit report, and I have never received any written validation, any 30-day notice of debt, any itemized statement, or any documentation showing that this debt belongs to me or that Synerprise has legal authority to collect or furnish it. I have asked Synerprise for verification multiple times, and it has now been well over 90 days without a single response containing legally required validation. Under FDCPA 1692g ( a ), Synerprise was required to send written notice within 5 days of first contact, and under FDCPA 1692g ( b ), they must stop all collection activity until proper validation is provided which they have not done. Under FCRA 602 and 623, Synerprise can not furnish information that is inaccurate, unverifiable, or unvalidated, and XXXX reporting guidelines require full documentation, accurate account classification, DOFD, itemized balances, and proof of legal ownership before furnishing or verifying a collection account. I know my rights and I know exactly what is legally required for debt validation : the original signed contract, full itemized billing, proof of ownership, chain of title, assignment records, and all documents showing Synerprise has the legal right to collect and report this debt. Synerprise has provided none of these documents. I am also aware that Synerprise Consulting Services has been the subject of consumer complaints and negative reporting involving inaccurate collection practices, and what they are doing on my account aligns with those same issues. Synerprise is furnishing unverified information, ignoring written requests, failing to validate, and continuing collection activity without proof, in violation of the FCRA, FDCPA, and XXXX rules, and I am prepared to fully dispute and legally challenge this collection if it is not removed from my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I am reporting Transunion for unlawfully furnishing and reporting a XXXX XXXX XXXX XXXX account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Transunion reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Transunion has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to obtain verifiable evidence of consumer liabilitywhich XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial account XXXX XXXX XXXXXXXX

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