vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Re : Immediate Removal Demand Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Willful FCRA & FDCPA Violations * * Consumer : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off / Collection {$25000.00} / {$26000.00} ( as reported ). Refer to attached report pages. 


To Santander Compliance / Legal : This is a demand for immediate deletion of all references to this account from all credit reporting agencies and anyone to whom you furnish consumer information. I dispute the accuracy and completeness of the reporting including ( but not limited to ) account balance, dates of last activity, charge-off date, and ownership/assignment history. Your furnishing of false, misleading, or unverifiable information violates 15 U.S.C. 1681s-2 ( a ) ( b ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) where applicable.

Immediate demands : 1. Within 10 business days, provide certified copies of : the original signed credit agreement, all itemized payment histories, complete chain of assignment/ownership ( with dates and copies of assignment/endorsement documents ), proof you are the proper holder/owner/collector, and any settlement or charge-off paperwork. Do NOT provide merely a summary or computer printout provide original or certified documentation. 
2. If you can not provide the above, you must permanently delete all reporting of this tradeline to XXXX XXXX XXXX XXXX and provide my counsel/written notice of deletion to all consumers/entities who received the tradeline in the last two years. 
3. Immediately cease and desist any collection activity on this alleged debt while this dispute is pending, per FDCPA and FCRA obligations. 



Damages & Demand : Your negligent or willful furnishing of inaccurate information has caused me significant harm, including loss of credit opportunities, XXXX  XXXX, and financial injury. I demand {$75000.00} from Santander as immediate settlement for willful violations and XXXX XXXX ( per account ), plus reasonable attorneys fees, costs, and injunctive relief requiring deletion and confirmation to all three bureaus. This is a pre-suit demand ; if not resolved within 30 days, I will file suit seeking statutory and punitive damages under 15 U.S.C. 1681n, actual damages, and applicable state law remedies. 


Unjustified continuation of reporting will be used as evidence of willful malice and will dramatically increase damages sought. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and legality of the following account appearing on my XXXX  credit report : Debt Buyer : Jefferson Capital Systems Account Number : XXXX Original Creditor : XXXX Balance Reported : {$270.00} Date Opened : XX/XX/XXXX Status : Collection account / past due as of XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX This account is being reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

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 2025-10-14 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I would like to get my consumer report. I tried to sign up through the website, and it wouldn't let me sign up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: 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 XXXX 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 2025-10-14 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: AL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 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: AL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Badcock sold me a scratched XXXX  set that costed around XXXX they deliver the XXXX  the XXXX XXXX was damaged I reported to th guy that came the following day he blamed it on kids I dont have any kids told me I was stuck with I did pay XXXX dollars I asked him to pick it up so I stopped paying when they didnt come pick it up I felt I was scammed I wanted a new XXXX  not scratched and dent my rights was violated the the collection try to charge around XXXX $ highway robbery put ito my credit dont sent a 1099 form went to the building they was in another store is there in it place Im believe they are bankrupting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Supplement I am disputing the XXXX XXXX  tradeline being reported on my credit report. 
XXXX has falsified information, re-aged an account to evade credit law, and provided inconsistent data to both the Consumer Financial Protection Bureau ( CFPB ) and your bureau. 

1. XXXX Own Admissions In Discovers CFPB response dated XX/XX/XXXX, the company confirmed that : My account became delinquent on XX/XX/XXXX, The account charged off on XX/XX/XXXX, and There have been no transactions or payments since that time. 

Despite this, my credit reports now show a charge-off date of XX/XX/XXXX a direct contradiction and intentional re-aging in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



2. Falsified and Unverifiable Information XXXX provided blank statements from XXXX through XX/XX/XXXX that contain no transactions, proving there was no activity after the original charge-off. 
They also admit there is no signed application only citing my email, phone number, and social security number as proof. 

Under 15 U.S.C. 1681i ( a ), a credit bureau must delete any account that can not be verified through actual account records. 
Because XXXX can not substantiate its claim with valid business records, continuing to report this account is a violation of federal law. 



3. Time-Barred and Uncollectible Debt Per North Carolina General Statute 1-52 ( 1 ), the statute of limitations for credit card debt is XXXX ( XXXX ) years from the last payment or charge-off date. 
Since XXXX admits the last activity occurred in XXXX, the statute of limitations expired in XXXX. 
XXXX is therefore reporting and attempting to collect on a time-barred and unenforceable debt. 



4. Legal Violations This account is being reported in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher may not report inaccurate information.

15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation upon dispute.

15 U.S.C. 1692e ( 8 ) FDCPA prohibition on communicating false credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Supplement I am disputing the XXXX XXXX  tradeline being reported on my credit report. 
XXXX has falsified information, re-aged an account to evade credit law, and provided inconsistent data to both the Consumer Financial Protection Bureau ( CFPB ) and your bureau. 

1. XXXX Own Admissions In Discovers CFPB response dated XX/XX/XXXX, the company confirmed that : My account became delinquent on XX/XX/XXXX, The account charged off on XX/XX/XXXX, and There have been no transactions or payments since that time. 

Despite this, my credit reports now show a charge-off date of XX/XX/XXXX a direct contradiction and intentional re-aging in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



2. Falsified and Unverifiable Information XXXX provided blank statements from XXXX through XX/XX/XXXX that contain no transactions, proving there was no activity after the original charge-off. 
They also admit there is no signed application only citing my email, phone number, and social security number as proof. 

Under 15 U.S.C. 1681i ( a ), a credit bureau must delete any account that can not be verified through actual account records. 
Because XXXX can not substantiate its claim with valid business records, continuing to report this account is a violation of federal law. 



3. Time-Barred and Uncollectible Debt Per North Carolina General Statute 1-52 ( 1 ), the statute of limitations for credit card debt is XXXX ( XXXX ) years from the last payment or charge-off date. 
Since XXXX admits the last activity occurred in XXXX, the statute of limitations expired in XXXX. 
XXXX is therefore reporting and attempting to collect on a time-barred and unenforceable debt. 



4. Legal Violations This account is being reported in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher may not report inaccurate information.

15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation upon dispute.

15 U.S.C. 1692e ( 8 ) FDCPA prohibition on communicating false credit 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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received notification stating that a payment of {$240.00} was due to the debt company, Halsted financial. I made a previous payment arrangement stating that I would pay {$210.00} on the account in XXXX and it should have been closed. Now theyre saying that one payment is missing and I owe {$240.00}. Which is absolutely not true.. This company is asking for more money than what was arranged and thats not good practice.I believe that this company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX  ) 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 2025-10-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX  ) 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 2025-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

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 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
XX/XX/year> Amount Paid to Business {$1500.00} - Loan to pay in installments for a flight to XXXX via XXXX XXXX website. Interest Paid {$170.00} - Due to personal circumstances I was unable to officially cancel my flight with XXXX until XX/XX/year>- the airline refunded the entire amount {$2100.00} back to upgrade.com - No one at upgrade was/is willing to take into account, or even acknowledge the fact that some things can not be determined after 30 days of taking out a loan, and want to keep free interest paid to them. They also claim that there are clear cancellation terms indicating that if you cancel within 30 days you would receive a full refund- which is not accurate or true. ( they should take a look at their terms and conditions online and go thru the purchase options before speaking on that ). 

Additionally it took more than one call to XXXX  that my refund is " pending '' due to not having a bank account on file ( mind you that was never notified to me either ). Are we seeing a trend here? 

Internally after it being updated would take 3-5 business days to process banking information internally, then another 1-3 bus days for the refund to actually be sent and received by my financial institution. After requesting to be escalated multiple times, I spoke with XXXX XX/XX/year> Reference Number XXXX who basically said there is nothing they can do outside of the 30 day cancellation policy ALTHOUGH they received full funds, and the trip was cancelled, and refunded in full by XXXX XXXX. 

Realistically someone planning a flight in XXXX and having to cancel a trip to XXXX a month before departure lets be real who wants to have to do that?

Company response to consumer: Closed with monetary relief