vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
I am filing this complaint against Credit Control , LLC regarding a disputed debt allegedly related to a Capital One, N.A credit card. Credit Control , LLC has failed to provide proper validation of the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. Despite my formal written request, they have not produced any original contract bearing my signature, no chain of title, and no accounting records proving legal ownership or standing. Furthermore, the debt is inaccurately reported by Capital One, N.A. to Experian, TransUnion and Equifax as still active, without being marked as charged-off or transferred, in direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. These inaccuracies are materially misleading and harmful.

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 2025-08-26 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me XXXX XXXX, reputational harm, and unnecessary hardship. 
Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for XXXX XXXX and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>2025, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: DC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate and fraudulent information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to maintain maximum possible accuracy in reporting. The items listed below are not accurate, were the result of identity theft, and must be deleted immediately.

I am a verified victim of identity theft. I did not authorize, apply for, or open these accounts. This makes them fraudulent and therefore unverifiable. I have filed a complaint with the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Affidavit for your review.

You are required by law to : Delete any fraudulent or unverifiable information.

Refrain from re-reporting these items without full verification.

Provide me with written confirmation once the deletions have been made.

Failure to comply with the FCRA will result in me pursuing all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals office, and considering legal action for damages.

I am demanding that the following fraudulent collections, charge-offs, and inquiries be deleted immediately from my file : Collections/Charge-Offs XXXX Opened : XX/XX/XXXX Amount : {$930.00} XXXX XXXX  Opened : XX/XX/XXXX Amount XXXX {$2000.00} XXXX  Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Opened : XX/XX/XXXX Amount : {$0.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX My identifying information for verification purposes : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Phone : XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX You have 30 days from receipt of this letter to complete your investigation and provide me with a corrected credit file. Non-compliance will result in escalation.

This is not a request it is a demand for compliance with federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: DC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate and fraudulent information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to maintain maximum possible accuracy in reporting. The items listed below are not accurate, were the result of identity theft, and must be deleted immediately.

I am a verified victim of identity theft. I did not authorize, apply for, or open these accounts. This makes them fraudulent and therefore unverifiable. I have filed a complaint with the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Affidavit for your review.

You are required by law to : Delete any fraudulent or unverifiable information.

Refrain from re-reporting these items without full verification.

Provide me with written confirmation once the deletions have been made.

Failure to comply with the FCRA will result in me pursuing all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals office, and considering legal action for damages.

I am demanding that the following fraudulent collections, charge-offs, and inquiries be deleted immediately from my file : Collections/Charge-Offs XXXX Opened : XX/XX/XXXX Amount : {$930.00} XXXX XXXX  Opened : XX/XX/XXXX Amount XXXX {$2000.00} XXXX  Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Opened : XX/XX/XXXX Amount : {$0.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX My identifying information for verification purposes : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Phone : XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX You have 30 days from receipt of this letter to complete your investigation and provide me with a corrected credit file. Non-compliance will result in escalation.

This is not a request it is a demand for compliance with federal law. 
Sincerely, 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 2025-08-26 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:
There's a collection from XXXX XXXX XXXX ( {$520.00} ) on my credit report. I do not have an account with them nor have I signed an agreement with them. 

I need XXXX XXXX XXXX to send me the chain of title for this account and the transfer of agreement I signed.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Complained About : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Account Number : XXXX Original Creditor : Santander Consumer USA Complaint Summary XXXX XXXX XXXX is unlawfully reporting and attempting to collect on a debt originally owed to Santander Consumer USA. Despite my written debt validation request sent on XX/XX/XXXX, they never provided validation but continue to report this debt to credit bureaus. 


Key Violations 1. Failure to Validate Debt ( FDCPA 1692g ( b ) ) I requested validation in writing. XXXX never responded. 
They continue collection activity ( credit reporting ) in violation of the FDCPA. 
2. False/Misleading Credit Reporting ( FDCPA 1692e ( 8 ) ) XXXX is furnishing information to CRAs that is inaccurate and disputed. 
They failed to mark the account as disputed and continue to report without validation. 
3. Failure to Investigate ( FCRA 623 ( b ) ) If I dispute through CRAs, XXXX has a duty to investigate. They have not provided any proof or documentation. 
4. Double Reporting / Inflated Harm Santander still reports the same account as a charge-off, while XXXX reports it as a collection. 
This means one account is reported twice, creating false and damaging information on my credit report. 
5. Balance Inconsistencies Across CRAs Santander reports {$15000.00} on Experian and {$15000.00} on TransUnion. 
XXXX reports the debt separately with its own balance, inflating the total derogatories and misleading lenders. 
6. Potential Re-Aging of Debt ( FCRA 623 ( a ) ( 5 ) ) Santanders Date of First Delinquency was in XXXX, but XXXX reporting suggests a later start date, illegally extending the XXXX reporting period. 

Harm to Consumer My credit score and ability to obtain financing have been severely harmed by double reporting and inaccurate furnishing. 
I am being penalized twice for the same debt. 
XXXX  refusal to validate the debt while continuing to report is willful noncompliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; 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 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 XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Date Opened XX/XX/year>2025 - Balance {$94.00} UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute numerous inaccuracies and unauthorized entries on my credit report, which have caused significant and unjust harm to my financial standing and creditworthiness. Despite my diligent efforts to manage my financial obligations responsibly, my report contains several erroneous accounts, charge-offs, and unauthorized inquiries, as well as incorrect addresses, all of which are severely damaging my credit profile. I am requesting immediate investigation and correction of these inaccuracies pursuant to the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXXXXXX XXXX  High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), giving consumers the right to request verification of the accuracy of information reported. 
Story : This account has been reported as charged off without proper verification. I have attempted to make payments in good faith and received no prior notice indicating any default that would justify a charge-off. Reporting this account incorrectly has drastically lowered my credit score, negatively affecting my ability to obtain loans, secure housing, and maintain fair interest rates. This reporting is both misleading and unfair and must be corrected immediately to reflect accurate account history. 
XXXX XXXXXXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 607 ( b ), which obligates credit reporting agencies to promptly correct inaccurate information. 
Story : This charge-off is inaccurately reported. I have complied with the terms of this account and made all required payments as agreed. The improper reporting of this account as a charge-off is causing undue financial hardship, unnecessary credit denials, and distress. It falsely reflects my financial responsibility and misleads potential creditors regarding my actual creditworthiness. This misinformation should be thoroughly investigated and corrected without delay. 
The accumulation of these errors has not only impacted my credit score but has caused significant financial distress, prevented me from obtaining fair credit, and subjected me to undue stress. I formally request that all inaccurate information be corrected, verified, or removed immediately, in accordance with FCRA regulations requiring credit reporting agencies to conduct a thorough investigation and report results within 30 days. I expect timely resolution of these disputes to ensure my credit report reflects accurate, fair, and lawful 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and these discrepancies in reporting are both unjust and unlawful.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for XXXX XXXX  Account Starting with XXXX Dear Self Lender Customer Support, I hope this message finds you well. 

I am writing to formally request a XXXX XXXX  regarding a late payment reported on my account, which begins with the number XXXX. I acknowledge the late payment and take full responsibility for the delay. However, this was an isolated incident, and since then, I have made consistent and timely payments. 

I value my relationship with XXXX XXXX and the opportunity it has given me to build my credit. I kindly ask that you consider removing the late payment from my credit report as a gesture of XXXX. A positive adjustment would be greatly appreciated and would help me continue to improve my financial standing. 

Thank you for your time and consideration. I look forward to your response. 

Sincerely, XXXX XXXX XXXX last XXXX of ss XXXX dob XX/XX/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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ) and the credit bureaus for inaccurate reporting. On my credit report ( as reflected on XXXX XXXX ), XXXX is being listed as the original creditor. This is factually incorrect XXXX is a debt buyer/collection agency, not the original lender. 

By misreporting themselves as the original creditor, XXXX and the bureaus are violating : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : My right to know the true source of the information in my file.

This misrepresentation is misleading because it creates the false impression that I originally entered into a credit relationship with XXXX, which I did not. It also makes it harder for me to identify the true origin of the debt. 

I request that the CFPB require Experian, Equifax, and XXXX  to : 1. Correct the tradeline to accurately reflect that XXXX is a collection agency, not the original creditor.

2. Provide the name and information of the true original creditor.

3. Delete the tradeline if accurate correction can not be made.

This false designation is not a minor technical error it is a material misrepresentation that affects how lenders view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
Received mail to verify new customer banking account which was not opened by me

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