vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I noticed unauthorized accounts on my credit report. According to 15 USC 1681, there should be no damages on my report for it is a defamation to my character. Consumer reporting agencies must block any information identified by a consumer as stemming from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
On or around XX/XX/XXXX I opened a savings account with Openbank by Santander. I deposited three deposits totaling {$30000.00}. On XX/XX/XXXX, I tried to buy a car with some of the funds in my account and processed a wire transfer for {$10000.00} which the bank immediately blocked and froze my account. After numerous phone calls with different individuals representing the bank, nobody will allow me access to the funds within my account and refuse to give me a timeframe when I can access my account or steps I can take to release the money. They are refusing access to withdraw my money, refusing to pay the interest promised on my balance and refuse to close my 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 explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX  XXXX # account XXXX has violated my rights.

Title 15 of the United States Code 1681, Section 602 A, states that I have the right to privacy Title 15 of the United States Code 1681, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Late payments are inaccurate.

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 2025-12-02 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX  XXXX # account XXXX has violated my rights.

Title 15 of the United States Code 1681, Section 602 A, states that I have the right to privacy Title 15 of the United States Code 1681, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Late payments are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

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 2025-12-02 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: CA

Complaint narrative:
I am submitting this third-round follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8500.00XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$68.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am submitting this third-round follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8500.00XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$68.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am submitting this complaint because Selip & Stylianou , LLP violated the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an alleged debt they are attempting to collect. 

On XX/XX/XXXX, I mailed Selip & Stylianou a written debt validation request. In my letter, I requested : ( 1 ) the original signed contract or application, ( 2 ) documentation showing a complete chain of assignment, and ( 3 ) a full itemized breakdown of the balance they claim I owe. 

Selip & Stylianou failed to validate the debt. More than 30 days later, they sent me only a basic billing statement, which does not establish ownership of the debt, does not prove I am legally obligated to it, and does not validate the balance they are attempting to collect. A statement is not proper validation under FDCPA 809 ( b ). 

After failing to validate the debt, Selip & Stylianou continued collection activity. This violates FDCPA 809 ( b ), which requires collectors to cease all collection efforts until proper validation is provided. Their actions also violate FDCPA 807 for using deceptive means to collect a debt and failing to provide meaningful validation. 

Because XXXX XXXX XXXX is a law firm, their violations are particularly concerning, as attorneys are held to a higher professional standard under the FDCPA ( see XXXX XXXX XXXX ). 

I am requesting the following relief : Immediate cessation of all collection activity Full validation that includes a signed contract and proof of ownership or assignment Investigation into their failure to validate the debt in compliance with FDCPA 809 ( b ) Deletion of any reporting made to any credit bureau Compensation for statutory and actual damages resulting from these violations. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by [ insert lender Bridgecrest, I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy. 
Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 requires credit reporting to fair, accurate, and verified. 
616-617 hold furnishers and credit burea is5 K liable for willful or negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account XXXX XXXX XXXX on my experian report previously stated that it would be on my record until XX/XX/year>. When I checked today, the record was still there but no longer had the removal date. They have done this many times now. I have attached the original screenshots from when it stated it would be removed XX/XX/year> and the new one where it no longer has a 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 2025-12-02 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items appearing in my ChexSystems consumer report under Consumer ID # XXXX. My file reflects an account allegedly associated with XXXX XXXX XXXX XXXX XXXX, as well as multiple inquiries that I did not authorize. I have never opened, used, or authorized any accounts or inquiries with the entities listed. These items were reported without my permission and have no permissible purpose under 15 U.S.C. 1681b, making their inclusion a violation of my consumer privacy rights. Additionally, because these accounts and inquiries are not mine, they indicate potential identity theft. Under 15 U.S.C. 1681c, I am requesting the immediate removal of all inaccurate, unverified, and unauthorized information. I do not owe any debt to these entities, and I demand that these items and inquiries be deleted promptly to correct my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have tried for over six months to get US Bank to stop sending me paper statements for my business cash flow manager account. The last time, they said if I turn off automatic payments to that account, then the paperless setting will cause the paper statements to stop being delivered to my address. 
My mailbox is not secure. It is part of an HOA. My statement got delivered to a neighbor, who thought it was theirs. Since then, I have been ridiculed by neighbors for having a line of credit with a high balance. 
Sending paper statements to me is a violation of my privacy and security. I need this to stop, and US Bank is being very casual about failing to accommodate me on this. I was just told on the phone today by a XXXX that this is just how it is with business lines of credit. This is unacceptable and the paper statements need to stop.

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 2025-12-02 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-12-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report from XX/XX/year>. The inquiries were made without my consent.

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 2025-12-02 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I am writing to dispute the accuracy and completeness of the US Department of Education ( Direct Loans ) account referenced above. This information is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and deletion of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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