vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
XXXX Compliance Team, Thank you for your response dated XX/XX/year>. However, I must respectfully dispute your explanation regarding the status of my account and the issuance of a XXXX. 

As of XX/XX/year>, my credit report clearly states that the account in question was charged off with a balance of {$720.00} written off. This designation typically indicates that the creditor has ceased collection efforts and claimed the loss for tax purposes. If this debt was indeed written off, then under IRS guidelines, I am entitled to receive a Form XXXX for cancellation of debt income. 

Furthermore, continuing to report this account as active and delinquent while simultaneously writing it off creates a misleading and potentially inaccurate tradeline under the Fair Credit Reporting Act ( FCRA ). I am requesting that you either : Provide the XXXX reflecting the debt cancellation, or Clarify in writing that the debt remains collectible and has not been claimed as a tax loss. 

If this matter is not resolved promptly and accurately, I will pursue legal action for misrepresentation and violation of consumer protection laws. I expect a formal written response within 15 business days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I got a new XXXX XXXX XXXX and faced a financial hardship. I received a letter in the mail saying I faced repossession, I called them XX/XX/XXXX to explain my situation and asked if I could make a payment around the XXXX and the gentleman told me he could do me one better and I mistakenly thought he told me the XXXX, instead of the XXXX. I asked him would I receive any written communication with the new date and he said no maam but everything was fine as long as I paid ( which I presume was at the end of the month ) so I was going to pay my car payment on the XXXX the day I got paid but that morning it was repossession and I was confused as I thought I had more time. I called and explained to the reps that I thought he told me it was at the end of the month but they listened to the call and said it was the XXXX and I expressed my fustration that I wish I had gotten a confirmation with a date via email like my previous car companies would do when I had an extension so that I can keep on track as unfortunately I am human and I may forget or mishear. I spoke to several agents and they told me I either pay the full loan in full and I asked what if I was able to pay {$1000.00} today and get the loan reinstated and they wouldnt let me do that, I am writing this complaint because if I had something in writing for the loan being XX/XX/year> I could have remembered and been aware of the date for sure and would have made arrangements so my car wouldnt get repossessed and they wouldnt even let me pay the {$1000.00} on the same day to reestablish a loan and I need my car as Im a XXXX, they even made a remark about what if it was about my lights would I expect my lights to stay on? But I told them whenever I ask for an extension with XXXX I get WRITTEN confirmation of the arrangement and not just going by a verbal conversation on the phone as like all my other bills and they respond with they dont work like that/ they dont do what other companies do which I feel is a bare basic thing for them to send out after making an arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent, you are required to remove it from my credit report within a reasonable time frame.

It has come to my attention that certain fraudulent accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these fraudulent activities. I have already submitted proper documentation indicating that these accounts were opened as a result of identity theft, and they should not be appearing on my credit report. Under FCRA 605B, once I have reported an account as fraudulent, it is your legal responsibility to remove it from my credit file within a reasonable period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Formal Complaint Failure of Experian, Equifax, and TransUnion to Comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear CFPB, I am submitting this formal complaint against the three nationwide consumer reporting agencies Experian Information Solutions , Inc. , Equifax Information Services LLC , and TransUnion LLC for their failure to comply with federal law in removing fraudulent information from my credit reports.

I am a victim of identity theft and a data breach, documented by a valid FTC Identity Theft Report and a police report, both of which have been submitted to these agencies. Despite this, Experian, Equifax, and TransUnion continue to report fraudulent and inaccurate information.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block information resulting from identity theft within four ( 4 ) business days of receiving an identity theft report and supporting documentation. The agencies refusal or failure to act constitutes a direct violation of this law.

Furthermore : FCRA 607 ( b ) requires consumer reporting agencies to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) requires a reasonable reinvestigation of disputed information.

Metro 2 compliance standards prohibit the furnishing or reporting of data that does not accurately reflect the consumers liability.

I request that the CFPB investigate this matter and compel Experian, Equifax, and TransUnion to : Immediately block and remove all fraudulent accounts, inquiries, and tradelines associated with my identity theft.

Provide me with corrected credit reports reflecting accurate information.

Notify all furnishers and recipients of my credit files of the corrections, as required under 15 U.S.C. 1681i ( d ).

Enclosures provided : FTC Identity Theft Report Police Report documenting identity theft Government-issued identification Proof of address The failure of Experian, Equifax, and TransUnion to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) is a serious violation of my consumer rights. I respectfully request the CFPBs immediate intervention and enforcement to ensure full compliance with federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I reviewed my credit reports and found multiple accounts still being reported inaccurately. A XXXX XXXX XXXX XXXX  credit card is listed as charged off for {$760.00}, but it continues to show past due equal to the charge-off balance, which is misleading and not supported by a proper charge-off ledger. An XXXX XXXX collection for {$420.00} is reporting without any proof of assignment, chain of title, or itemized accounting from the original creditor. A XXXX XXXX XXXX collection for {$550.00} from XXXXXXXX XXXX Card is listed, yet no contract, XXXX, or balance breakdown has been provided. XXXX XXXX XXXX is also reporting a {$590.00} collection from XXXX XXXX, but it is coded as disputed, meets FCRA without supplying any documentation to substantiate the debt. In addition, my report contains several hard inquiries from XXXX and XXXX, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, but no signed authorization or proof of permissible purpose has been presented. These errors remain unresolved and are continuing to unfairly damage my credit profile.

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 2025-08-27 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-27 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/2025, I mailed a formal dispute letter to Experian via USPS Certified Mail, tracking number XXXX. The letter included copies of my government-issued photo ID, Social Security card , and a recent bank statement showing my current address to comply with identity verification requirements. In this dispute, I requested an investigation into inaccuracies on my credit report as well as the correction of erroneous personal information. 
USPS tracking confirms that Experian received my dispute on XX/XX/2025. However, to date, Experian has failed to provide any response, acknowledgment, or evidence of investigation. This disregard for their legal obligations under the Fair Credit Reporting Act constitutes willful noncompliance. The FCRA requires consumer reporting agencies to conduct a reasonable investigation and provide timely results, and Experians refusal to act represents a direct violation of these statutory duties.

Experians inaction is not a minor oversight but a deliberate failure to comply with federal law, exposing them to liability for damages under the FCRA. Their conduct undermines consumer rights and calls into question the integrity of their credit reporting practices. 
I have attached copies of my original dispute letter along with USPS proof of delivery, as evidence of Experians failure to fulfill its legal obligations.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: AR

Complaint narrative:
Showed up as a derogatory remark on my credit report Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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