vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX Accounts ( {$3900.00} + {$1700.00} ) Subject : Inaccurate and Re-Aged Accounts XXXX XXXX XXXX I am filing this complaint against Equifax for continuing to report two inaccurate and conflicting XXXX XXXX XXXX accounts. 

Account # XXXXXXXX XXXX XXXX XXXX XXXX is reported with a balance of {$3900.00} and shows a Date of First Delinquency beginning in 2020. 

Account # XXXXXXXX XXXX XXXX XXXX XXXX  is reported with a balance of {$1700.00}, but with different dates and statuses. 
These same accounts are reported differently across the three bureaus, which violates : 15 U.S.C. 1681e ( b ) : Failure to report with maximum possible accuracy.

15 U.S.C. 1681i : Failure to properly reinvestigate my dispute within 30 days.

15 U.S.C. 1681c : Illegal re-aging of the accounts to extend reporting beyond 7 years.

The bureau verified this information without proof, and ignored clear contradictions between the files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I previously filed a complaint with CFPB regarding Equifax Information Services LLCs failure to provide my complete consumer file relating to XXXX XXXX XXXX XXXX XXXX ( pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ). 

Equifax has only provided partial disclosures. Critical records remain missing, including : Deleted tradelines, Suppression codes, Compliance notes, and XXXX XXXX. 


On XX/XX/year>, I spoke directly with XXXX XXXX, who identified herself as Equifaxs custodian of records. She stated she will not provide the subpoenaed Santander-related file and that she is waiting to see what the courts do with my pending Motion to Compel. 

This is highly concerning because : XXXX. The FCRA requires Equifax to provide all information in my file, not just partial disclosures. 


XXXX. A valid subpoena with notarized authorization was served, and Equifax remains noncompliant. 
3. I have a jury trial beginning in days, and Equifaxs refusal is actively suppressing critical evidence relevant to my case.

I am requesting immediate CFPB intervention to ensure Equifax produces my full Santander-related file before trial. Equifaxs continued refusal constitutes suppression of evidence, denial of my rights under FCRA, and obstruction of a valid subpoena. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payments that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made by the company and is not a reflection of my payment experience which violated USC CODE 1681eb. This error has caused severe hard reputation, my character, my mode of living and to my family! 

I demand the late payments reported in XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX be removed. 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under open end consumer credit plan as a late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that his information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2025-09-24 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: IL

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-24 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: IL

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ 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 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/XXXX and XXXX I submitted my final remaining balance to pay off my student loans. That week there was a glitch with Mohela but it showed me I didnt pay off the loans so I submitted it again and it happened again so I submitted it again, a total of 3 times for a total of {$5700.00}. They overcharged me twice. I got my money back from my bank but my balance was reflecting {$0.00} on the loans now its back at {$5700.00}. I want my loans to be paid off and I dont know why this company cant just get anything right ever. I dont know why they sent my money back.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 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:
That review gives an unfair portrayal of my financial beliefs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$940.00}

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Zions Debt Holdings is reporting the same {$620.00} debt twice under separate tradelines, with one entry previously classified as Medical, even though they admit they do not collect medical debt. My credit report still shows Account not disputed despite my written disputes and multiple CFPB complaints, violating FCRA 1681e ( b ) and FDCPA 1692e ( 8 ). Zions has offered full deletion only if I pay, which is coercive and unfair. I request CFPB intervention to require permanent deletion of these inaccurate accounts and to stop all phone and text contact from Zions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I have an auto loan on my credit report that is from Santander consumer and I did not open it. This is a result of identity theft I am not originally from the XXXX. I believe my Social Security number has been compromised while I was back home. I've disputed this information with Santander and the credit bureaus experience XXXX  and XXXX  on multiple occasions they have not responded and have not removed the fraudulent account. I've also found FTC XXXX reports and police reports about this incident. Santander is not responding XXXX  XXXX is not responding. I also have a XXXX  XXXX credit card that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding an unauthorized hard inquiry that has appeared on my credit report. I have never applied for any account or service with the entity in question, nor did I provide consent for them to access my credit information. As such, the reporting of this inquiry is erroneous and detrimental to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report an unfamiliar inquiry that has appeared on my credit report. I did not authorize, apply to, or provide consent for this company to access my information. This situation is deeply concerning and has caused me significant stress and anxiety as I work to protect my personal and financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
When checking my credit report, I discovered my credit was significantly lower than anticipated. This was due to an outstanding balance in collections from Transworld System ( original creditor XXXX XXXX ) for {$530.00}. I have no knowledge of this company or this balance. When attempting to contact Transworld, they said they will file a dispute but I have not received any updates in the last 3 weeks. And it has been difficult to obtain any information from them. I filed disputes with XXXX XXXX XXXX XXXX Upon speaking with XXXX, it seems there was an address from XXXX XXXX, Texas being used by XXXX that I have never lived at. The dispute specialist at XXXX  removed that address from my account and recommended I contact Consumer Financial Protection Bureau. I am still pending resolution of my dispute with XXXX  and hopefully getting my credit back up to where it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$810.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$520.00} INQUIRIES : XXXX XXXX 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My identity stolen with my bank cards and ID and Ive informed FTC AND FDIC and filled a claim with Truist Bank for unauthorized transactions and provided evidences as well as FTC, FDIC AND CFPB complaints and bank Claim team over the phone added many of the transactions which Ive even never asked to add into the claim and also she missed XXXX of the XXXX transaction oXXXX XXXX XXXX  and later on Ive called the bank and informed about the missing transaction from the claim and they opened new claim and approved it while other transactions of XXXX same marchent in first claim they Denied the claim stating Ive not previously file a claim of XXXX of the same transaction they missed and approved in new claim. Its totally strange the XXXX transaction of XXXX theyve approved and all other XXXX transactions in first claim they denied. Also they hold my debit card privileges stating that I couldnt secure my account when Ive provided identity theft evidence of FTC report, FDIC Complaint and CFPB Complaint to prove that its not my fault and also Ive changed my phone number, login details and even deceive to protect my account and they still not lifting the hold from debit card usage, I deeply request CFPB to intervene and get me my consumer rights from the bank, they cant hold my debit card when bank its self failed to send me fraudulent alert to my phone when this fraudulent transactions were charging my account. Claim number and account details are following. 

Truist Bank Account XXXX XXXXXXXX First Claim XXXX XXXXXXXX which denied all XXXX  transactions Last Claim XXXX XXXXXXXX which is approved for XXXX  trasaction

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 2025-09-24 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:
That review sends the wrong message about my financial priorities.

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