vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies and unresolved derogatory tradelines appearing on my credit report that I have disputed previously without adequate investigation or correction. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and continue to cause me financial and reputational harm. 

Details of Disputed Accounts : XXXX XXXX ( Account Ending XXXX ) Reporting as charged off with a high balance of {$800.00} opened on XX/XX/XXXX. I have disputed this account due to inaccurate reporting and lack of validation. It remains unresolved. 

XXXX ( Account Ending XXXX ) Charged off with a high balance of {$1800.00} opened on XX/XX/XXXX. I requested validation and reinvestigation under FCRA XXXX, which has not been properly conducted. 

XXXX ( XXXX ) Late payments reported on a {$420.00} balance opened XX/XX/XXXX. Payments and terms were not accurately reported and my dispute was not addressed. 

XXXX  ( Account Ending XXXX ) Late payments on a {$600.00} balance from XX/XX/XXXX. Inconsistent reporting continues despite prior disputes. 

XXXX XXXX XXXX payments on a {$240.00} account from XX/XX/XXXX. XXXX lacks clarity and supporting documentation. 

XXXXXXXX XXXX ( Account Ending XXXX ) Late payment reporting on a {$590.00} balance opened on XX/XX/XXXX, not supported by my payment history. 

XXXX XXXX XXXX ( XXXX ) Late payments on a {$530.00} balance from XX/XX/XXXX. XXXX remains inaccurate after dispute. 

XXXX  ( XXXX ) Late payments on {$720.00} opened on XX/XX/XXXX, misreported without investigation. 

XXXX  ( Account Ending XXXX ) XXXX account for {$370.00} opened XX/XX/XXXX, lacks validation of debt. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$1600.00} from XX/XX/XXXX appears unverifiable and premature. 

XXXX XXXX  XXXX ( Account Ending XXXX ) Collection of {$710.00} opened XX/XX/XXXX. No documentation has been provided validating this debt. 

Harm and Legal Violations : These entries have negatively impacted my credit score and resulted in credit denials, higher interest rates, and emotional distress. The failure to correct or validate these items is a violation of FCRA XXXX, XXXX, XXXX, and XXXX, and possibly the Fair Debt Collection Practices Act ( FDCPA ) if XXXX-party collections are inaccurately reported. 

Relief Sought : I am requesting a full reinvestigation of these accounts, removal of any unverifiable or inaccurate data, and written confirmation of the resolution. If unresolved, I intend to pursue further complaints with the FTC and Attorney General.

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 2025-05-29 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: NY

Complaint narrative:
I formally disputed this account with both the credit bureaus and XXXX XXXX XXXX. I requested full validation, including a signed agreement, complete payment history, and legal proof that the account belonged to me. XXXX failed to provide any of the requested documentation. 

Despite this, they continue reporting the account as charged off which constitutes continued publication of unverified and potentially inaccurate information. This violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Their failure to investigate and validate properly is directly harming my creditworthiness and limiting my financial access. This complaint is being filed to initiate corrective enforcement and ensure compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone Number : XXXX Email Address : XXXX Subject : Identity Theft Dispute Fraudulent Charge-Off Account To Whom It May Concern : I am the victim of identity theft and am disputing a fraudulent charge-off account being reported under my name. 

Disputed Account Details : Creditor or Furnisher Name : XXXX XXXX XXXX Account Number : XXXX Type of Account : Auto Loan Date Opened ( per report ) : XXXX Balance/Status : Charged-Off / Negative FRAUDULENT INDICATORS : The contract submitted by the creditor lists an address that I have never lived at. 

The signature on the contract is not mine. 

I did not authorize or open this account and have never had any relationship with this company. 

No valid form of identification was used by the fraudster that matches mine. 

This account has negatively impacted my credit and does not belong to me. It is a direct result of identity theft. 

LEGAL BASIS FOR DISPUTE : I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA : FCRA XXXX ( XXXX ) : Right to block fraudulent information FCRA XXXX : Right to dispute and request reinvestigation FCRA XXXX ( a ) ( XXXX ) : Furnishers must report disputed items accurately FCRA XXXX : Civil liability for willful or negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
When i purchased the vehicle i wasn't aware of the Louisiana XXXX stating that i get XXXX XXXX interest rate due to me being and XXXX XXXX solider stationed in XXXX  im currently at a XXXX XXXX  interest rate and with me being eligible for the XXXX ive been trying to get my interest rate dropped but havent been successful until my friend told me about this website because it helped him get his interest rate dropped down to the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Upon review of my credit report, I seen some conflicting and inaccurate information on my report regarding a 30 day late payment. Each credit bureau has different information. I need this matter further investigated and resolved expedient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I have a history of loans with Affirm, XXXX to be exact. Of the XXXX, only XXXX have been reported, and they hinder and hurt my credit report. They will stay on the report for XXXX years. Aside from incorrect information on these accounts, they have deliberately picked and chosen what loans to report as negative, and withheld reporting the other loans. While I don't care to have the other loans reported ( even though they all show as being in good standing ), I certainly wish to have the other XXXX removed from my account completely. It is unfair to XXXX. Report loans incorrectly, and XXXX. To only report loans they deem " negative '' with incorrect information as their basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I discovered this alleged debt while reviewing my credit report. I never received any correspondence, phone calls, or notices from National Credit Systems. 

On XX/XX/year>, I sent National Credit Systems a formal written request for debt validation via certified mail, which was delivered on XX/XX/year> ( XXXX XXXX # XXXX ). I received no response. 

On XX/XX/year>, I sent a second follow-up letter, delivered on XX/XX/year> ( XXXX XXXX # XXXX ), again requesting validation and giving them 15 days to respond. 

They have not responded to either request. Despite this, the company continues to report the debt to credit bureaus. This constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), which prohibit continued collection or reporting of a debt that has not been properly validated. 

I am requesting that the CFPB intervene and require the company to remove the account from my credit reports and cease further collection activity unless they can validate the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
charged my paypal business account uber eats and i did not authorize this i received no security measure or text about potential fraud and was told they will do nothing to dispute this. paypal business has terrible security and i want my refund. they wouldnt even elt me take my money out for months then all of a sudden allowed this transaction on XX/XX/year> for XXXX eats of {$65.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX. XXXX XXXXXXXX XXXX  # XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXXXXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 
Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : o XXXX XXXX ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX o XXXX XXXX  ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXXXXXX XXXX ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, XXXX, and XXXX between XXXX and XX/XX/XXXX, citing legal precedents ( Dalton v. Capital Associated Industries , Richardson v. Fleet Bank , Cushman v. TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data. 
I requested documentation verifying the debts, dates, balances, and activity. 
I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General. 
I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe. 
Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681i. 
Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX * * Balance : {$180.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

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 non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX * Balance : {$4400.00} XXXX  XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX * Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} '' I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-29 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:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Fraudulent unauthorized accounts were open without my knowledge. 

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief