vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Hello, I have been having problems with Santander Consumer US for my car payments. I have been making payments monthly, however they are saying that I was behind and overdue. According to them, my XXXX payment was returned. I received zero notification about it. Since, they've been calling and emailing me every day, even though I've paid additional payments much higher than my car payment. 

I went on the customer service chat today which is when I was informed about the returned balance for the first time. It was then that I also learned for the first time they were adding additional {$61.00} charges for " miscellaneous '' fees. Their words. 

On top that this, their account layout is extremely confusing. It makes it look like I only need to pay {$310.00} by my due date. However, that's apparently the amount of money that's overdue and does NOT include my actual card payment. 

Additionally, I had to contact the chat box multiple times as I was disconnected mid-conversation before any resolution occurred. 

This company is extremely predatory, and also makes it impossible to catch up for people who are actually diligent with their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and outdated personal information on my credit report. My current and only address is XXXX XXXX XXXX, XXXX, CA XXXX, yet Experian is still showing a previous version of the same address listed as XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/year> ) under the Previous Address section. 

This duplication is unnecessary, misleading, and creates the appearance of multiple or conflicting addresses when in fact there is only one. Such inconsistencies can lead to confusion and misidentification, which could negatively affect future credit applications and verification processes. I have already provided Experian with updated identification documents showing my correct address, yet the bureau has failed to properly update and remove outdated entries.

Under the Fair Credit Reporting Act, Experian is required to ensure the maximum possible accuracy of the information they report. Keeping redundant or outdated address records violates that duty and misrepresents my profile as a consumer. It also suggests that Experian has not conducted a reasonable reinvestigation of my previous disputes regarding my personal information.

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 2025-11-05 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: TX

Complaint narrative:
I am also disputing several items on my TransUnion credit report that appear to be inaccurate or unverifiable. I am exercising my rights under the Fair Credit Reporting Act to have these items investigated thoroughly. I have no record of certain charged-off accounts and inquiries appearing on my TransUnion report, and I believe they may have been added in error or without proper authorization. 

Disputed Charged-Off Accounts : XXXX Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} Please verify the accuracy of this charge-off notation. A {$0.00} balance should not be marked as charged off unless supported by valid documentation. 

XXXX XXXX Account No. XXXX, Reported XX/XX/XXXX, Balance : {$400.00} I do not recognize this account and request full validation, including proof of ownership and original creditor details. 

Disputed Inquiries : The following inquiries are not familiar to me and may have been made without my consent : XXXX XXXX XXXX XXXX XX/XX/XXXX Please confirm whether these inquiries were consumer-authorized and remove any that lack a permissible purpose under the FCRA. 

Disputed Late Payments : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX  Account XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: FL

Complaint narrative:
I mailed a {$6000.00} check to Discover Bank for deposit on XX/XX/year>, after being unable to deposit it through the mobile app. I sent it via XXXX  Overnight, and it was delivered to Discover on XX/XX/XXXX at XXXX XXXX  MT. 

After not seeing any deposit activity, I contacted Discover multiple times by phone and email. Each time, I was told to give it a few more days. On XX/XX/XXXX, I was told the check was received and processed. When I asked for confirmation, I was then told it was not processed and had been returned to me on XX/XX/XXXX for security reasons. 

No one from Discover informed me of this between XX/XX/XXXX and XX/XX/XXXX. I still have not received the check or any documentation showing how or when it was returned. Ive asked for details and tracking proof and have received no response. 
This is unacceptable handling of my funds and a complete lack of communication. I believe the check may have been lost or mishandled by Discover. I am requesting an investigation, documentation of the checks handling, and resolution if the check can not be located

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have attempted to contact Trans Union by phone and letter in past years with no results. My credit score had been in the XXXX 's but Trans Union dropped it to the XXXX 's more than a year ago. Their process in scoring is different than the other two credit services. For example, I have had an XXXX XXXX XXXX  for 45 years, pay a significant annual fee and never missed a payment. They changed credit services to Trans Union and my score automatically dropped. The rationale is I don't have installment debt such as real estate and/or a car loan. The other criteria remains excellent. Other credit cards such as XXXX ' XXXX  shifted to Trans Union the same time. I immediately contacted the two credit card companies and they assure me my credit with them is excellent. In correspondence with Trans Union I noted it would be irresponsible to assume large debt at this point in my life and/or in this economy. I assumed paying balances on time for 45 years should provide a consistent score. Yesterday I received a bank card credit score and it was reduced XXXX points for paying an Advantage bill under {$20.00} before it was due. The only time I receive a response is when they are attempting to sell me a service I receive for free. Their online dispute is check box only and even basic information pops up that is incorrect. These practices are particularly troublesome for " older '' citizens who may make purchases ( i.e. auto loan ) in the future and want to maintain a higher score..

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 2025-11-05 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: TX

Complaint narrative:
Would you go through this record? It looks late and could be incorrect.

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 2025-11-05 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: IL

Complaint narrative:
I pulled my credit reports, and they all contained false personal information, Names, addresses, phone numbers, and employers. They also contained accounts with false/unverifiable information. I prepared dispute letter on XX/XX/XXXX using metro 2 compliant language, and mailed them certified with receipt confirmation, requesting that the false/unverifiable information be removed. I waited XXXX  days. No response. I sent a XXXX  round of disputes on XX/XX/XXXX waited XXXX  days. No response. I sent a XXXX  round on XX/XX/XXXX waited XXXX  days. No response. Each letter included more CFPB information, and sections from the Fair Credit Reporting ACT, referring to policies that require the removal, or confirmation of the information. None of the big XXXX agencies responded. Shortly after I was locked out of my TransUnion account. I recently sent a XXXX round of dispute letters on XX/XX/XXXX. I have heard nothing from the agencies to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I pulled my credit reports, and they all contained false personal information, Names, addresses, phone numbers, and employers. They also contained accounts with false/unverifiable information. I prepared dispute letter on XX/XX/XXXX using metro 2 compliant language, and mailed them certified with receipt confirmation, requesting that the false/unverifiable information be removed. I waited XXXX  days. No response. I sent a XXXX  round of disputes on XX/XX/XXXX waited XXXX  days. No response. I sent a XXXX  round on XX/XX/XXXX waited XXXX  days. No response. Each letter included more CFPB information, and sections from the Fair Credit Reporting ACT, referring to policies that require the removal, or confirmation of the information. None of the big XXXX agencies responded. Shortly after I was locked out of my TransUnion account. I recently sent a XXXX round of dispute letters on XX/XX/XXXX. I have heard nothing from the agencies to this 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
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I opened up a dispute with my chime bank on XX/XX/year>, for a dispute with the company XXXX put it appears on my banking statement as XXXX for a refund XXXX that was supposed to been in my account with in 7 to 10 business day that never made it the transaction was XX/XX/XXXX. For services not render. I did not receive the car I was confirmed to receive, and I had to pay for a brand-new reservation through XXXX  which was an addition XXXX dollars. The same day that the XXXX claimed my refund was supposed to be in my account was the day Chime denied the claim which was exactly 4 days after the claim was opened claiming no error and no provisional credit will be credited. I don't think they even investigated the claim. They never sent an email or text saying they needed additional information and, in the email, they told me that it was denied they claimed they worked with the merchant. No provisional credit was applied to account, and they closed my dispute. I had to reopen the dispute which is more time that I don't have my money back in my account. This alone violated my rights under Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.. I have proof that no additional information was asked from me and they just simply closed it without even investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Id like you to verify this entry ; it seems late and potentially flawed.

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 2025-11-05 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-11-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was gifted a {$200.00} AMEX Gift Card that I have tried to use at online retailers that accept AMEX and have not been able to use the card to purchase anything. After entering my card information and trying to check out, I get an error to check my card details. I tried using the exact amount and even less than the amount available on the gift card and continue to get this error. You'll see in the image that my transaction shows " Declined '' even though I have that amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am disputing a fraudulent federal student loan account with account number XXXX reported by XXXX on my credit file. I did not open this loan, nor did I authorize the use of my identity for this loan. 

CRUCIAL FACT : This loan was originated while I was still enrolled in XXXX  school, confirming I could not have legally obtained this debt. 

I have filed an official Identity Theft Report with the FTC. I demand that XXXXDepartment of Education cease reporting this debt, absolve me of all liability, and confirm the debt has been removed from all credit bureaus. 

Failure to remove this debt after receiving my Identity Theft Report is a violation of the Fair Credit Reporting Act ( FCRA ), specifically the requirement to properly investigate and correct known fraudulent information

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 2025-11-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am disputing a fraudulent federal student loan account with account number XXXX reported by XXXX on my credit file. I did not open this loan, nor did I authorize the use of my identity for this loan. 

CRUCIAL FACT : This loan was originated while I was still enrolled in XXXX  school, confirming I could not have legally obtained this debt. 

I have filed an official Identity Theft Report with the FTC. I demand that XXXXDepartment of Education cease reporting this debt, absolve me of all liability, and confirm the debt has been removed from all credit bureaus. 

Failure to remove this debt after receiving my Identity Theft Report is a violation of the Fair Credit Reporting Act ( FCRA ), specifically the requirement to properly investigate and correct known fraudulent information

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-05 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am disputing unauthorized inquiries that have been reported on my credit profile. I did not apply for, open, or authorize this account and inquiries. Nor did I give anyone permission to use my personal information for this purpose. These inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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