vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Block, Inc.
State: CA

Complaint narrative:
I am unable to talk to a live teller in order to dispute unauthorized transactions made on my cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EdFinancial Services
State: WI

Complaint narrative:
Hello ; I have an issue with EdFinancial who is servicing my student loans for the federal government. I filed chapter XXXX bankruptcy in XXXXXXXX XXXX XXXXXXXX and included in my list of creditors my student loans to the federal government. The loans being included in the bankruptcy were put on an automatic stay based on the information presented to me in AUTOMATIC STAY OF COLLECTION ACTION PURSUANT TO 11 U.S.C. 362 document by my lawyer XXXX XXXX XXXX. This automatic stay is in effect currently as my bankruptcy is still in active status as of the date of this complaint ( today XX/XX/XXXX ). Not only has the company reported out to the credit bureaus that I am XXXX days past due on payment of the student loans, but beyond that they also denied the dispute put in to XXXX XXXX stating that the information was accurate. I don't understand how I can be late XXXX - 119 days during the active period of a bankruptcy on a debtor listed in the bankruptcy. Also, I received a letter stating that I have a payment due on XX/XX/XXXX when I am still protected under the automatic stay and they also falsely reported to my bankruptcy lawyer that I have new loans as of XXXXXXXX XXXX XXXXXXXX that they are servicing and you can cross reference any records that I present with those from the Department of Education and you will see that I have not taken out any new education loans in almost 10 years. Furthermore, how would I be able to take out a new loan while in an active Chapter XXXX when I was informed that under a chapter XXXX bankruptcy, you are prohibited from taking on any new debt without the permission of the trustee. Also, I spoke to XXXX at XXXX on the phone and she informed me that I was being removed from the bankruptcy forbearance as of last week ( late XXXX XXXX ) and my XX/XX/XXXX payment would be due late XXXX because I was no longer protected under the bankruptcy XXXX ( which was a lie ) as the case was still active. This company has definitely violated the bankruptcy code. 

I'm also going to be filing a complaint with my state attorney general as well. 

The Contact information for EdFinancial is listed below : XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau, I am filing this complaint to report XXXX repeated failure to conduct a proper investigation of inaccuracies on my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and the submission of clear supporting evidence, XXXX has not adequately addressed or corrected the following items : XXXX. XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX Inaccurate Information, Dispute Approved # XXXX Fraudulent charges Dates of Dispute : XXXX Evidence Provided Personal Information and records 2. Account Name & Number : SANTANDER CONSUMER USA Nature of Inaccuracy : Current account status listed as closed CHARGE OFF/ TRANSFERRED, REMARKS NO INFO, on XXXX Dates of Dispute : XXXX Evidence Provided : n/a ( Add more disputed accounts as needed. ) Despite furnishing XXXX with detailed documentationattached here for referencethese items remain inaccurately listed on my credit report. As a result, my credit score is unfairly impacted, leading to higher interest rates, credit denials, and other negative financial consequences. 

I believe XXXX handling of my disputes violates the FCRA in the following ways : Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputed information. XXXX repeated verified responses without explanation suggest inadequate verification. 
Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), XXXX must provide a description of the procedure used to determine the accuracy of the information. They have not provided this information upon request. 

I respectfully request that the CFPB : 1. Ensure XXXX conducts a thorough reinvestigation of the disputed accounts in accordance with FCRA guidelines. 
XXXX. Require XXXX to provide a detailed explanation of the steps they took to verify the disputed information. 
3. Compel XXXX to remove or correct any unverified or inaccurate information immediately. 
4. Monitor XXXX compliance and hold them accountable if they continue to violate my rights as a consumer. 

I am attaching the following documents to support my complaint : Copies of dispute letters sent to XXXX Documentation/evidence ( e.g., creditor statements, letters from original creditors, identity theft reports ) Any relevant correspondence between myself and XXXX or the data furnishers Thank you for your assistance in resolving this matter and ensuring that XXXX complies with federal regulations. If you need additional information or clarification, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX Enclosures : Dispute Letters and Supporting Documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Credit Bureaus for Incorrect Reporting After Disputes Dear CFPB, I am filing a formal complaint regarding the inaccurate and unfair reporting of my credit accounts. I have been disputing several charge-off accounts, and after initiating these disputes, I noticed that the credit bureaus have now also marked these same accounts with late payments. This appears to be an act of retaliation or improper reporting, as these accounts were already in dispute.

This violates my rights under the Fair Credit Reporting Act ( FCRA ), as the information being reported is inaccurate and damaging to my credit. I request an immediate investigation and the removal of these unjust late payment notations.

Thank you for your prompt attention to this matter.

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 2025-03-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX collection XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I would like to request LVNV remove two items off my credit report that I know nothing about. One amount is for {$1900.00} and the other is for {$1400.00}. I do not owe this debt to them and know nothing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im an identity theft victim, and Experian is illegally keeping fraudulent XXXX XXXX accounts on my credit report despite my submitting a valid Identity Theft Report ( police report + IdentityTheft.gov affidavit ). FCRA Section 605B requires removal within 4 business days, but Experian ignored this. Two fake accounts remain : XXXX XXXX, reported XXXXpaid but not removed as fraud. 
XXXX XXXX ( XXXX XXXX collection ), reported XXXXpure fraud I never opened. 
Ive never had a XXXX account, and their timelines dont even make sense. 
These accounts are impossibleIve never opened a XXXX accountand their conflicting timelines ( e.g., multiple simultaneous wireless accounts ) scream identity theft. 
Plus, old addresses tied to theftlike XXXX XXXX XXXX XXXX, XXXX, NY ( I was between 3 and 6 ) are still linked, with collections from XXXX when I was XXXX XXXX XXXX. I sent my Identity Theft Report and proof of identity earlier, but Experian refused to act, dropping my score XXXX points while my credit report was locked and risking my home purchase. 

Inquiries : XXXX XXXX ( XX/XX/XXXX ) No consent, no application. 
XXXX XXXX ( XX/XX/XXXX ) Same, duplicate abuse. 
XXXX XXXX XXXX ( XX/XX/XXXX ) No consent, tied to XXXX XXXX . 
XXXX XXXX XXXX ( XX/XX/XXXX ) No consent, unauthorized. 
XXXX XXXX ( XX/XX/XXXX ) No consent, tied to XXXX XXXX  . 
Context : I unlocked my freeze for XXXX only ( one pull expected ) these four are illegal extras and 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 2025-03-07 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: MA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 
- 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is my final notice informing you guys of the Inaccurate/ Fraudulent reportings and investigations into these claims by the credit reporting agencies. Attached you will find documentation showing the XXXX  acts of the credit reporting agencies by reporting those INACCURATE accounts. This has been damaging my credit worthiness and it has cause me grave financial hardship. I demand it 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 non-monetary relief
Consumer complaint received 2025-03-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is my final notice informing you guys of the Inaccurate/ Fraudulent reportings and investigations into these claims by the credit reporting agencies. Attached you will find documentation showing the XXXX  acts of the credit reporting agencies by reporting those INACCURATE accounts. This has been damaging my credit worthiness and it has cause me grave financial hardship. I demand it be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have many acounts that were affected by a data breach- please help and remove negative items - thanks in advance

Company response to consumer: Closed with explanation