vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EdFinancial Services
State: NJ

Complaint narrative:
EDFINANCIAL SERVICES XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ) specifically Section 611 ( 15 U.S.C. 1681i ) credit reporting agencies are required to investigate disputed information within 30 days of receipt of this notice. If the furnisher of information can not verify the account, Section 611 ( a ) ( 5 ) mandates that the unverified data must be promptly deleted from my credit file.

Furthermore, under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are required to maintain maximum possible accuracy in credit reporting. Retaining unverified or inaccurate information would constitute a violation of federal law.

Please conduct your investigation and remove this account immediately if it can not be fully verified. Provide me with written confirmation of your findings and any deletions made as a result of your investigation. 

Thank you for your attention and prompt compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was a victim of predatory lending by name : Santander. Their loan terms were unfair and the porting on my credit is inaccurate. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified.

616-617 make credit bureaus and furnishers liable for reporting false or unverifiable information. 
XXXX I'm requesting an immediate reinvestigation and deletion of this account if it can not be fully certified with original documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: PR

Complaint narrative:
In 2021 I was in a car accident and I had to get an MRI done and the name of the company was XXXX XXXX XXXX. The accident was in litigation and because it took XXXX years to settle the case. XXXX send my bill to Americall collections, but XXXX got paid when the case got settle and I have a copy of the check that my lawyers send to XXXX company to pay my debt. I explain to XXXX XXXX  agency that the bill is paid, but they still harassing me and calling me like XXXX times a day and living me voicemails and I need help so they can stop harassing me. Im a disable person and they just making my health situation worst. I suffer of severe XXXX and I just need for this collection company to stop harassing me. This should be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. 

Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.

Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.

Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

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 2025-11-09 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$700.00}

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
Re : Acct No. XXXX Dear Compliance Officer, This is a formal legal dispute concerning the above-referenced charge-off account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), Fair Debt Collection Practices Act ( FDCPA ) 1692g, and Texas Finance Code 392, you are required to investigate, validate, and correct or delete any information that is inaccurate, incomplete, or unverifiable.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year> I deposited a check to my Citizens Bank mobile deposit for {$5400.00} successfully with a message saying funds would be available the next day. The following morning there was a small deposit for around {$220.00}. I only had a small balance of about {$70.00} the day before. Checked my account later in the day and the deposit that had been made available had been withdrawn and I had a balance of {$20.00}. I contacted customer service and found a hold had been placed until XX/XX/year>. They appeared to have withdrawn the first {$220.00} of the check I deposited. I made at least XXXX attempts to resolve this and either the representative didnt have any idea how to help or just transfer me to someone else. I waited until XX/XX/XXXX, during that time I did not receive any written notice explaining any of this. On XX/XX/XXXX the funds still had not been released, so I contacted the XXXX XXXX  of Citizens and spoke with XXXX and I was informed that the hold had been extended because funds couldnt be verified. I requested the {$220.00} at least and he said he couldnt do that because they needed to be paid first. 
I did receive a notice on XX/XX/XXXX and the reason given was Some of the information on the check is not consistent with other information on the check.I will upload the notice. 
This has been a very stressful situation and also has caused unnecessary hardship. Any assistance would be appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aubrey Thrasher, LLC
State: TX

Complaint narrative:
This is a formal legal dispute concerning the above-referenced charge-off account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), Fair Debt Collection Practices Act ( FDCPA ) 1692g, and Texas Finance Code 392, you are required to investigate, validate, and correct or delete any information that is inaccurate, incomplete, or unverifiable. The company failed to provide complete validation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: RI

Complaint narrative:
I am submitting this complaint because my Experian credit report contains multiple auto and finance-related inquiries that I never personally authorized. These inquiries are creating a false impression that I have been actively seeking new financing, which is entirely inaccurate. The inquiries currently reporting are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not submit any credit applications with these institutions around the dates shown, nor did I provide authorization for them to perform credit inquiries under my name. The repeated presence of multiple inquiries from the same or similar lenders on consecutive dates raises serious concerns about how my personal financial data is being accessed or shared without my consent. 

Under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as Experian are legally required to ensure that all information including credit inquiries is reported accurately and only for a permissible purpose. If no legitimate application or consent was provided, Experian is not permitted to maintain these inquiries on my credit report. Maintaining unauthorized inquiries constitutes a violation of the FCRAs accuracy and reinvestigation provisions. 

I have previously disputed these inquiries with Experian, but the responses I received were inadequate. Instead of providing documented proof of authorization, I received a generic verification claim, which fails to meet the FCRA requirement for a reasonable investigation. Experian is legally obligated to verify that each inquiry was properly authorized, not merely accept the furnishers statement. 

These unauthorized inquiries have negatively impacted my credit score and creditworthiness, creating the false appearance that I am overextending financially. Beyond the financial implications, this situation has caused stress and concern regarding the security of my personal financial 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 2025-11-09 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: GA

Complaint narrative:
Cancel the report and file, pls, as I am an identity theft victim. There was no authorizd report. Erase the contnts to remov the errors in my 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On several occasions, XXXX  have requested a copy of my consumer credit report. More specifically, I contacted Experian and uploaded proof of my idenitiy. I called on several occasions because Experian continues to say that they are unable to verify me. This has been going on for over a year. 

I requested a copy of my credit report for all XXXX  bureaus via annual credit report but have been denied. I am, however able to access my reports via XXXX  XXXX like XXXX XXXX  and XXXX XXXX. So they are giving my information to everyone but me. 

I have not authorized them to sell or transfer my information to anyone and do not authorize it now.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On several occasions, XXXX  have requested a copy of my consumer credit report. More specifically, I contacted Experian and uploaded proof of my idenitiy. I called on several occasions because Experian continues to say that they are unable to verify me. This has been going on for over a year. 

I requested a copy of my credit report for all XXXX  bureaus via annual credit report but have been denied. I am, however able to access my reports via XXXX  XXXX like XXXX XXXX  and XXXX XXXX. So they are giving my information to everyone but me. 

I have not authorized them to sell or transfer my information to anyone and do not authorize it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am filing this complaint because TransUnion is continuing to report inaccurate and unverified charge-off accounts that have not been properly validated or corrected despite previous disputes. The following accounts are currently being reported as charge-offs : XXXX - XXXXXXXX XXXX XXXX  - XX/XX/year> - {$360.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} * * Both accounts reflect negative charge-off statuses that are inconsistent with the actual payment and account history. In particular, the XXXX account shows a charge-off balance of {$0.00}, which contradicts the very definition of a charge-off. This indicates an error in how the account was furnished and verified. The XXXX account also lacks any supporting documentation from the original creditor that substantiates the legitimacy of the alleged delinquency or the accuracy of the charge-off date and balance.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 and Section 623 ( a ) ), both TransUnion and the furnishers are required to ensure that all reported information is complete and verifiable. Continuing to display data that can not be properly substantiated constitutes a direct violation of federal accuracy and reinvestigation requirements. 

I have already contacted TransUnion to dispute these entries, but their responses were generic and failed to include any form of documented validation from the creditors. Simply marking an account as verified without providing tangible proofsuch as billing records or creditor correspondencedoes not satisfy the FCRAs reasonable investigation standard. This lack of diligence has caused long-term harm to my credit standing and personal credibility, as these charge-offs unfairly portray me as financially irresponsible when the data itself is inaccurate or incomplete.

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 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX  is the original creditor of a credit account associated with Jared The Galleria of Jewelry. This account has since been placed with XXXX XXXX XXXX XXXX XXXX ( XXXX  ) for collection. 

XXXX XXXX  has allowed inaccurate and inconsistent data regarding this account to be furnished to XXXX XXXX and XXXX. The information reported across the three CRAs is not consistent and includes conflicting entries for : Date Opened Date of Default Date of Last Payment Date Last Reported Payment Status / Comments These discrepancies cause confusion and damage to my credit profile. 
XXXX XXXX  failed to ensure that information furnished to CRAs was accurate and complete, violating 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Additionally, I have never had a valid account directly with XXXX XXXX  or Jared The Galleria of Jewelry, yet XXXX has furnished and permitted continued reporting of this account through XXXX XXXX XXXX without verifying its accuracy. 

I previously disputed this account directly with XXXX XXXX XXXX and the CRAs via certified mail ( XXXX XXXX XXXX receipts attached ). Despite those disputes, XXXX XXXX  continues to allow reporting of inaccurate information through its agent. 

This failure to correct inaccurate data following notice of dispute constitutes a violation of FCRA 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: NJ

Complaint narrative:
Dear Equifax XXXX Department, I recently received the results of your reinvestigation regarding two credit inquiries dated XX/XX/year>, from XXXX Bank XXXX and XXXX XXXX XXXXXXXX. Your letter states that the inquiries were verified as accurate and will remain on my report for two years. 

I am requesting a detailed explanation of how this determination was made, including which parties were contacted, how they were reached, and what records or authorizations were reviewed. I did not authorize these inquiries and need to understand the steps taken during your verification process. 

Please provide a full description of your reinvestigation procedure for these items, as required under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I respectfully ask that Citibank conduct a full review of my account, specifically the late-payment entry reported for XX/XX/year>. This report is inaccurate because payment was made though a lower balance transfer by XXXX XXXX XXXX. However, the payment was received and then returned for an unspecified reason. Then, I made my regular payment. Citibank never processed the transaction ; Keep it pending for no reason then reported to be late. Few weeks later they sent me a refund of my last payment after many calls to confirm that the balance was in full. I have included supporting documentation to verify this.

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 2025-11-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: IN

Complaint narrative:
XXXX  Associates LLC is trying to collect an old debt that has been Charged off by XXXX XXXX XXXX XXXX in XXXX  for {$16000.00}, also i did not authorise/sign for this company to sell my private 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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
They have my account frozen/ restricted for no reason what-so-ever. I have used them for big purchases for the last few months with no issues what so ever. But now my funds are frozen and it cant be used for any purchases or withdraws. They say it frozen while they investigate my account, but there has been no reason for the investigation. they said it take up to 5 days for what? They havent asked for anything in regards to move the investigation along. and Im just stuck here waiting on them. While my account is completely unusable. Im asking for a prompt response/ resolution, as I have done nothing wrong. And this whole thing is unwarranted. I have funds on this app and cant access the of this said restriction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
This company is saying I owe rent and other charges for an apartment. I asked for proof and they sent over an old lease that was from XXXX XXXX XX/XX/XXXX. Moving forward I did not renew my lease and lived month to month. I gave notice when I planed to leave and did not break any contracts. They claimed I broke the lease in XXXX of XXXX. They can not provide proof that I was under contract during that time period. I am tired of fighting back and forth. TransUnion removed this remark from my report and this company keeps adding it back. Its harassment at this point.

Company response to consumer: Closed with explanation