vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting practices by Jefferson Capital Systems concerning an alleged XXXX XXXX  debt ( XXXX  account # XXXX ). 
Nature of Inaccuracy : The account is reported as opened XX/XX/XXXX, yet derogatory payment notations begin in XXXX and continue through XXXX. This suggests improper dating and may extend the reporting period beyond what is permitted under the Fair Credit Reporting Act ( FCRA ) 605 ( c ). 
The account reflects an original balance of {$1700.00} and a current balance of {$1700.00}, with no evidence of adjustment. This static balance may not represent the true, accurate amount owed and violates the duty of accuracy under FCRA 607 ( b ). 
If the original creditor ( XXXX XXXX ) is still reporting this account separately, this constitutes duplicate reporting of the same alleged debt, which is misleading and unfair. 
Legal Basis : FCRA 607 ( b ) requires furnishers to report with maximum possible accuracy.

FCRA 611 entitles consumers to dispute and have inaccurate or unverifiable information deleted.

FCRA 605 ( c ) limits the reporting period to 7 years from the original delinquency date, not from the date a debt buyer opens an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent collection account that appears on my credit report. This account does not belong to me, was opened without my knowledge or consent, and is the result of identity theft. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. XXXX ], XXXX am requesting that this fraudulent information be permanently blocked and removed from my credit file. 
Under federal law, credit reporting agencies are required to block information that results from identity theft once a proper request has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Credit Bureau Discriminated me by knowingly letting XXXX filed the same claim " Twice '' the first time by XXXX XXXX XXXX and XXXX XXXX consecutively '' Experian Credit Bureau filed XXXX XXXX from the same owned Company who owned both Businesses, I only reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only resided there for 45 Days due to continuing breaking ins, stealing of groceries Refrigerated and Dry Goods and the continuous smoking of XXXX XXXX then the contaminated odor would go into my Studio Unit, a request was made to change the locks but after two weeks maintenance never completed the request, The first month was free and then I moved out 45 days later due to a unhealthy environment and submitting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Habanility  " Establishes that Implied Warranty of Habability '' Experian deliberately ignored all documents sent , it now going on " 3 years '' since I moved out and NO DOCUMENTS or warnings after " 3 '' years then down graded my FICO score to XXXX. Experian has don this for personal profit or personal gain and violated my rights also Experian added " Dorogatory Statements filed for 2 years on my account.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I am having an issue getting my annual free credit report from Chex Systems, XXXX XXXX XXXX and XXXX XXXX. I want Chex Systems and XXXX XXXX to immediately mail me a complete copy of my Chex Systems, XXXX XXXX and XXXX XXXX XXXX XXXX. Current Personal Information : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Employer : XXXX XXXX XXXX, Employer Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Employer Phone Number : ( XXXX ) XXXX, Annual Salary : {$85000.00} to {$100000.00}.

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 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed an account with XXXX because it was fraudulent and they denied the dispute.

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 2025-09-07 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am disputing late payments reported on my Synchrony/TJX Rewards Mastercard account ending in XXXX. I never received billing statements at my residence because Synchrony had the wrong address on file, as confirmed in the letter I recently received from Synchrony ( attached ). 

Because the statements were mailed to an address that does not belong to me, I was unaware of any delinquency. When I contacted Synchrony in last month in XX/XX/XXXX, the representative confirmed the wrong address, updated my file for the correct one, and I began receiving statements correctly. As soon as I became aware of the issue, I paid the past-due balance in full along with all assessed fees. Despite this, my credit reports show two late payments for XXXX and XX/XX/XXXX. 

I have made multiple attempts to resolve this directly with Synchrony by email, fax, and phone but the account is still reporting inaccurate and unfair late payments. This ongoing inaccuracy is now jeopardizing my ability to close on a home, which I am in the process of purchasing.

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 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
The apartment complex was trying to force me to pay them rent after my lease was up and they had overcharged me double rent and gave me a ledger stating that they owe me and they charge me double rent but then they put it on my credit as a outstanding balance so they are double dipping and the rent was paid in full, but they try to say that I did not pay also that I damaged the apartment when the apartment was already damaged when I moved in .Very bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi advertises rate checks as " soft pulls '' that won't affect credit scores, but performed unauthorized hard credit pulls during rate shopping that prevented me from obtaining pre-approved loan terms. On XXXX XXXX XXXX, I used SoFi 's rate checking tool and received pre-approval offers for $ XXXX {$39000.00} at 15.88 % -16.22 % APR with clear messaging that " Clicking 'Select offer ' will NOT affect your credit score. '' After exploring a joint application option with my spouse that yielded unfavorable terms, I returned to check my individual rates again on XX/XX/XXXX, but was immediately declined despite having identical financial circumstances. 

During a customer service chat that same day XX/XX/XXXX seeking clarification, SoFi performed an unauthorized hard credit pull without my consent, confirmed by my XXXX credit monitoring alert from XXXX XXXX. I was not submitting any loan application during this customer service conversation - I was questioning why rate checking resulted in a decline. The decline reasons cited were financial conditions that existed during my original pre-approval, making the denial contradictory. Customer service confirmed no appeals process exists and could not explain why their advertised " soft pull '' rate checking system resulted in credit impacts and loan denial. 

SoFi previously settled a {$2.00} XXXX class action lawsuit in XXXX for identical misleading soft pull marketing practices. I have documentation including credit monitoring alerts, rate offer screenshots, chat records, and decline letters supporting these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
I am disputing the reporting of my XXXX XXXX  loan account. The Consumer Financial Protection Bureau ( CFPB ) previously confirmed that XXXX agreed to delete this account and its payment history from my credit report. On XX/XX/year>, I paid this loan in full in the amount of {$1600.00} ( Confirmation # XXXX ). 

Despite this, XXXX has reported the account as open and delinquent, which is false. I have never been late on any of my payments with any lender. I have always had a perfect credit history, including with XXXX. This loan was placed in forbearance, and XXXX failed to notify me when it came out of forbearance. Each time I called, the automated system stated the account was still in forbearance and no payments could be made. I only discovered it was marked past due after reviewing my credit report. At that point, I immediately contacted XXXX, spoke with a manager, and paid the account in full. 

XXXX actions have caused serious damage to my credit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers must report only accurate information. 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy, and 15 U.S.C. 1681i requires correction of disputed information. XXXX is at fault and has not honored their agreement with the CFPB to delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Issue : Incorrect information on credit report failure to correct or delete unverifiable data. 
Law cited : FCRA XXXX ( Reinvestigation of disputed information ). 

Complaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-09-06 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: AZ

Complaint narrative:
In XX/XX/year>, I disputed a XXXX XXXX account that was inaccurately reported on my Equifax credit file. After investigation, Equifax deleted the account, and I confirmed that it was removed. 

However, the same account was later reinserted into my report without any notice or certification from the furnisher, which violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

Since then, I have contacted Equifax on multiple occasions regarding this issue, but the account remains. Equifax has failed to : Properly investigate my disputes within 30 days, as required by FCRA 611 ( a ) ( 1 ). 

Provide the method of verification upon request, as required by FCRA 611 ( a ) ( 7 ). 

Permanently block and delete unverifiable or fraudulent information, as required by FCRA 605B ( 15 U.S.C. 1681c2 ). 

The reinsertion of a previously deleted account without following federal requirements is unlawful and has caused continued harm to my credit profile. 

PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I am filing a complaint against Equifax Information Services, LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding XXXX accounts : XXXX XXXX XXXX ( Auto Lease ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has engaged in the following unlawful conduct : Blocking My Right to Dispute : When I attempt to dispute these accounts in the Equifax portal , it shows Dispute Not Available. This prevents me from exercising my statutory right to dispute inaccurate or misleading information under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Failure to Provide Method of Verification ( MOV ) : Despite multiple requests, Equifax has not provided the required Method of Verification under XXXX ( a ) ( XXXX ), meaning they have not shown how the accounts were verified with the furnishers. 

False or Unreasonable Reinvestigation : Equifax continues to verify the accounts without providing supporting documentation, effectively parroting the furnishers response. This violates XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). 

Inaccurate & Misleading Reporting : The XXXX account is listed as Pays As Agreed while also showing late payments a direct contradiction. The XXXX collection is marked as Paid but still reported as derogatory, which is misleading under XXXX ( b ). 

Failure to Follow Reasonable Procedures : Equifax has failed to ensure maximum possible accuracy as required by XXXX ( b ) and continues to report false or contradictory data. 



These actions have damaged my credit, interfered with my financial opportunities, and caused significant frustration. I have attached supporting documents, including screenshots of the Equifax portal showing Dispute Not Available. 



I am requesting the CFPBs assistance to ensure that Equifax : Immediately deletes and permanently blocks the XXXX XXXX XXXX and XXXX collection accounts from my credit report. 

Provides a full explanation and documentation of how these accounts were verified. 

Stops blocking my right to dispute inaccurate information in the future. 



If unresolved, I am prepared to pursue legal action in federal court under FCRA XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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:
Hi to whom this may concern. My name is XXXX XXXX XXXX and I noticed multiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. These accounts do not belong to 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 explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax, Transunion, Experian, are constantly reporting on my credit report wrong I have proof that Transunion reports to me that my score is one thing, and reports to companies something else. They now say that the creditor on my Report is XXXX XXXX and XXXX XXXX  are original creditors I have never signed any agreements with either one of these companies and every time I have printed out updates its different dates on it. On Friday Transunion and Equifax Reported to XXXX XXXX  My score was One thing all of a Sudden Equifax has reported that my score dropped XXXX Points how!!! Also, Experian has sent me something about something on my account that I did not ask them to add!! I have all of this attached below. Also, Transunion has just had another data breach, how is any of this legal, I have reached out to an attorney and will be filing suit. I can not buy a vehicle because of what illegal stuff these companies are actively doing!! I make good money and should be able to buy and use my credit.

Company response to consumer: Closed with non-monetary relief