vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account Resurgent Receivables LLC Dear Sir or Madam, I am formally disputing the account reported by XXXX XXXX XXXX on my credit report ( Account opened XX/XX/XXXX, balance {$760.00} ). The information is inaccurate and unverifiable.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), you are required to investigate disputed information and delete it if it can not be verified. 

This account is reported with the remark Placed for collection / Information disputed by consumer. Despite this, the account continues to damage my credit profile. Unless XXXX XXXX  XXXX can provide proper validation of the debt and proof that it complies with federal law, this entry must be deleted. 

I cite the following case law in support of my position : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit bureaus must conduct more than a superficial investigation. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Data furnishers must investigate disputes. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Agencies are liable if they fail to ensure maximum possible accuracy. 

I request that this account be removed from my credit report immediately unless it can be properly validated with full documentation. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by 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 non-monetary relief
Consumer complaint received 2025-08-16 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:
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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 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 2025-08-16 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: UPGRADE, INC.
State: OH

Complaint narrative:
There was a loan opened XX/XX/year> through UPLIFT XXXX. It was for the amount of {$1100.00} and was put in my name. This loan was open fraudulently in my name and placed on my credit report. When I found this on XXXX XXXX, I reported it through their dispute center. It was sent to collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and that is where the dispute was opened. After reporting this as fraudulent, XXXX denied my dispute and now there is a balance of {$910.00} on my credit score that is still being collected on with missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Formal Complaint & Request for Investigation Inaccurate Credit Reporting To Whom It XXXX Concern : I am submitting this complaint to dispute the accuracy of an auto loan account appearing on my XXXX  credit report. The account is being reported by Santander Consumer USA. 
Disputed Account Information - Furnisher : Santander Consumer USA - Account Number ( partial ) : XXXX - Date Opened : XX/XX/XXXX - Date Closed : [ Closed Date Not Specified ] - Reported Balance : {$7800.00} ( as of XX/XX/XXXX ) - Status : Account charged off. {$7000.00} written off. {$7800.00} past due as of XX/XX/XXXX - Original Balance : {$5900.00} - Last Payment Date : XX/XX/XXXX - Comments : Affected by natural or declared disaster This account is inaccurate, incomplete, and unverifiable for the following reasons : XXXX. No Valid Proof of Liability I have not received documentation or a signed contract establishing that I am legally responsible for this debt in the amount claimed. XXXX. Reporting Inconsistencies The account shows both a charged-off amount and a different past due balance, which creates confusion and XXXX misrepresent the debt. XXXX. XXXX XXXX Misreporting The affected by natural or declared disaster notation XXXX be inaccurate or misleading, and no supporting documentation has been provided. XXXX. 
FCRA Compliance Failure Under 15 U.S.C. 1681s-2 and 1681i, furnishers must provide complete and accurate information and delete unverifiable or inaccurate data within the required dispute period. 
Pursuant to the Fair Credit Reporting Act, I request that the CFPB require the furnisher and XXXX to : - Provide complete, verifiable documentation proving I am responsible for this debt ; - Correct or delete any unverifiable, inconsistent, or inaccurate information ; - Confirm removal of this account from my credit file if verification can not be completed within the statutory period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: WA

Complaint narrative:
The false and unauthorized accounts on my credit report are actively damaging my ability to obtain loans, credit, and housing. This reporting is unlawful, unjustified, and a direct violation of my rights under the Fair Credit Reporting Act.

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 2025-08-16 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 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:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The company I have my car loan through, Credit Acceptance, and I set up payment arrangements in early XXXX due to me starting a new job with a new pay schedule. I called to set up said arrangements and was told that if I pay minimum payments that my account would stay current with no negative impact to my credit. I was back on track the following month with no delays or problems. Unfortunately, to my surprise, they had marked my account past due by {$100.00} for the month of XXXX. My usual payment amount is {$400.00}. I made all payments as arranged on schedule and was back on track within the month. I have put in multiple disputes, talked to multiple employees, talked to multiple managers who have told me I have never missed any payment and confirmed that all payments were paid as arranged and on time. There is no way to get in touch with the credit department to try and fix this issue and it is the only missed payment I have on my entire credit report which has caused major harm to my credit. I have tried every route possible to fix this issue and the loan company will not help me even after admitting that I did not miss any payments as scheduled. This has caused major harm to me given at the same time I was trying to get a home loan and it completely ruined my credit score. I have never missed any payments on any loan or credit card I have and this has been detrimental. Their lack of care or attention to the matter is lazy and shameful. I have had this car loan for going on 3 years now and have been a perfect customer yet they can't fix a mistake that was made on their end. If I make a mistake my car will be repoed with no problem but if they make a mistake I have no recourse simply being told there's nothing anyone can do.

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 2025-08-16 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: VA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-08-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute XXXX  XXXX XXXX XXXX XXXXXXXX Accounts Dear Experian, I am disputing the accuracy and completeness of the following accounts on my Experian credit file : XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Date of Last Activity conflict : You report XX/XX/XXXX, while TransUnion lists XX/XX/XXXX and Equifax lists XX/XX/XXXX. 
Closed Date inconsistency : You list XX/XX/XXXX, while TransUnion reports XX/XX/XXXX. 
Payment History problem : You report continuous XXXX  notations for over 24 months, while TransUnion reports none. 
Creditor Remarks inconsistency : You report Unpaid balance reported as a loss, while other bureaus report different remarks. 
XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status conflict : You report this account as Closed Late 60 Days despite showing a {$0.00} balance. 
Payment History mismatch : You show 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, while TransUnion and Equifax report different months. 
Closed Date conflict : You show XX/XX/XXXX, while others report XX/XX/XXXX and XX/XX/XXXX. 
These inconsistencies prove both accounts are inaccurate and unverifiable. I demand deletion. 
Under FCRA 611 ( a ) ( 7 ), I also require your Method of Verification for both accounts : Exact source documents used to verify. 
The identity of the person who verified them. 
The procedures followed in your reinvestigation. 
If this information is not provided, you must delete the accounts. Failure to comply will result in CFPB/FTC complaints and legal action under FCRA 616617 . 
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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Lvov has XXXX XXXX on my credit!! I have disputed these XXXX XXXX with no result but they said XXXX was verified. I ask them to send me verification of this debt. I have received another. Now XXXX of the account on say they closed it XX/XX/year> but I sent debt validation letters on XX/XX/year>..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I disputed the XXXX XXXX credit card account ( issued by XXXX ) that was showing a {$3600.00} balance. After my dispute, the balance was corrected to {$0.00}, and I received : 1. Citibanks letter confirming they no longer owned or collected this account. 
XXXX. XXXX XXXX XXXX letter confirming they returned the account to XXXX. 
XXXX. Proof from Equifax showing the balance was updated to {$0.00} between Aug 1012, 2025. 

However, on XX/XX/year>, Equifax updated this same account back to a {$3600.00} balance and added a new remark code. This is an illegal reinsertion of old information that had already been corrected. 
This violates FCRA 611 ( a ) ( 5 ) ( B ), which requires the credit bureau to notify me in writing within 5 business days of reinsertion no notice was given.

It also violates FCRA 623 ( a ) ( 2 ) because XXXX, as the furnisher, knowingly allowed inaccurate balance information to be reported after acknowledging they did not own or collect the debt. 

This reinsertion is materially damaging my credit and appears to be a willful violation. 

I am providing proof : XXXX letter disclaiming ownership. 
XXXX XXXX XXXX letter confirming closure. 
Screenshot showing the balance went from {$3600.00} {$0.00} on XX/XX/year>. 
Screenshot showing the balance was reinserted back to {$3600.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has removed my auto loan account with XXXX XXXX

Company response to consumer: Closed with explanation