vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my XXXX XXXX. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matte

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my XXXX XXXX. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matte

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting a verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing this complaint against National Credit Adjusters ( NCA ) regarding the account NCA XXXXXXXX XXXX, Date Opened : XX/XX/year>, Balance Owed : {$590.00}, reported as a collection. I have no knowledge or association with this account, and I never authorized, opened, or received any notice about this alleged debt. This entry is completely unverified and inaccurate. 

National Credit Adjusters has failed to provide any proof of debt ownership, validation, or documentation linking me to this account. Reporting such unverifiable information violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( accuracy requirement ) and 611 ( a ) ( failure to verify disputed information ).

This false collection is damaging my credit reputation and has caused financial harm. Despite disputes, neither the agency nor the credit bureaus have produced valid verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am requesting a review of the accounts listed below. If any of the information is found to be inaccurate or unverifiable, I request that it be promptly removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my credit report reflects accurate information. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} INQUIRIES XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To Whom It May Concern : I am writing to contest inaccurate and fraudulent information appearing on my credit report in accordance with 15 U.S.C. 1681c-2, and to formally request the blocking and deletion of this erroneous data.

It was not possible to file a report with the FTC because the system is currently not available. For this reason, I am including an affidavit listing the accounts and inquiries that I do not recognize. I request that these accounts and inquiries be removed as soon as possible and treated as urgent. As required by law, upon submission of an identity theft report, credit reporting agencies must block any information identified as stemming from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : Inquiries to be removed : XXXX XXXX XX/XX/year> I do not recognize or acknowledge this account/inquiry as mine. It was not opened, authorized, or initiated by me. Reporting this account constitutes a violation of my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681b Prohibitions on impermissible use and reporting of non-public consumer information.

I request the immediate removal of the fraudulent account ( s ) and inquiries listed above from my credit report. Copies of this packet have been transmitted to your office via Certified Mail and/or Fax for proper record.

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 2025-11-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-05 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:
Please double-check the materials ; these inquiries surfaced without warning and could be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Positive Accounts : None listed for Equifax. 

Late Payments : XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following charged off accounts : XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX Account No : XXXXXXXX XXXX XXXX  Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$4800.00} Please verify these accounts for accuracy and remove them if they are not valid. 

Regarding inquiries : XXXX XXXX XXXX, Date Open : 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 explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clerk States that the property management company is clearly NOT owed any money. 
Previous complaint # XXXX XXXX XXXX XXXX never responded, but we dealt directly with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX attn : XXXX XXXX XX/XX/year>

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
The Loan is with Santander Bank when I bought my car over 2 years ago. Back then the interest rates were higher than usual and lending was very difficult at that time. Santander decided to charge 27.1 % which is outrageous. I have credit cards that charge lower interest. I reached out several times to refinance the loan or get it modified to a lower interest rate in order to lower my extreme high monthly payment of {$600.00}. I am unable to refinance with another company right now because I have not even touched the Principal Balance after over 2 years paying. Now I am trapped with this outrageous Loan without an option out. I need Santander to lower the interest rate and stop extorting people with their outrageous interest rates. I want you to look into violation of any usury laws or consumer laws that stop this predatory lending in the Auto Industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Please take a look at the supporting files ; the inquiries were made without approval and could be improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
These accounts are not mine and must be erased within 15 days per USC 1681g.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
This company has been banned from doing business ALSO ITS A CLASS ACTION XXXX RELEASING PAST AND PRESENT DEBITS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am a consumer seeking to correct and improve my credit profile. I have identified discrepancies in the following accounts, which I believe do not accurately reflect my credit history. I respectfully request that the Credit Reporting Agencies ( CRAs ) investigate these disputes and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), including the removal of any unverifiable or inaccurate information. 

If the disputed information can not be verified or validated as accurate, I request its immediate removal from my credit file. Please provide documentation of the investigations in compliance with the FCRA requirements. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$4000.00} Discrepancy : Please verify the reported charge-off status and balance. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$0.00} Discrepancy : I believe this account is inaccurately reported as charged off with a XXXX balance. I request that this be investigated and corrected if necessary. 

LATE PAYMENTS XXXX XXXX XXXX  Account Number : XXXX Discrepancy : I am requesting validation of the late payments on this account, as they do not match my records. 

XXXX  XXXX Account Number : XXXX Discrepancy : The reported late payments are disputed. Please provide proof of the late payment history for this account. 

XXXX XXXX Account XXXX : XXXX Discrepancy : Please provide documentation supporting the late payment entries on this 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 2025-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Transunion Subject : Dispute of Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute certain information contained in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ). The specific information I am disputing pertains to self financial lead bank XXXX XXXX XXXX Under Section 604 ( a ) ( 2 ) of the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report without my written instructions. I believe that this act has been violated, as the account in question appears on my report without my consent or proper authorization. Furthermore, according to 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan in a manner that is detrimental to me as a consumer. 

I request that you investigate this matter thoroughly. Please provide me with a copy of the documentation you have on file regarding this account, including any evidence of my authorization for the reporting of this information. I also request that you remove or correct any inaccuracies related to this account in my credit report. 

In compliance with the FCRA, I expect your response within 30 days of receiving this letter. Please send me a written confirmation once the investigation has been completed, as well as an updated copy of my credit report, should any changes be made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously disputed inaccurate late payment information being reported under the XXXX XXXX account ending in XXXX. Following the initial dispute, I received a response stating that the account was verified. However, no supporting documentation, billing records, or signed proof was ever provided to validate the accuracy of the alleged late payment. 

To ensure fairness, I took additional steps. On XX/XX/year>, I submitted a signed authorization letter directly to XXXX XXXX, granting permission to verify or validate the account details. As of today, no verifiable evidence or written validation has been provided. 

Despite the lack of documentation, the credit bureaus continue to report this account with negative payment history, which is inaccurate and damaging. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as unverifiable or unsubstantiated information must be deleted from the consumers credit file. 

I am now formally demanding a reinvestigation and immediate deletion of this inaccurate information from my credit report to ensure full compliance with FCRA 611.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I opened an account with SoFi and deposited my paycheck on XX/XX/year>. A few hours later, I was informed that my account would be closed and was not given an explanation as to why. It was especially frustrating because I had deposited my paycheck that morning and now did not have access to crucial funds.

Company response to consumer: Closed with explanation