vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1. Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2. A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3. The names, contact information, and job titles of the individuals who handled my dispute.

4. A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Complaint Summary I am submitting this complaint regarding Santander Consumer USA for failure to provide legally requested documentation, unexplained billing discrepancies, and ongoing enforcement of a disputed balance. On XX/XX/year>, I sent certified mail to Santander Consumer USA with XXXX documents : a formal dispute letter and a legal preservation notice. I have green return receipt proof confirming delivery. I also sent secure messages via their customer dashboard. In these communications, I formally requested a copy of my original signed retail installment sales contract. 

On XX/XX/year>, a representative named XXXX ( ID # XXXX ) confirmed that the contract would be sent to my email within XXXX business days. The document was never received. After further follow-up, another representative named XXXX ( ID # XXXX ) stated on XX/XX/year>, that the document had been re-sent and would arrive again within 35 days. As of XX/XX/year>, I have not received the contract in my email, dashboard inbox, or via postal mail. Despite my documented overpayments ( {$540.00} in XXXX and {$500.00} in XXXX ), Santander initially assessed a {$270.00} past due amount. They later removed that balance and marked my account as CURRENT, yet have continued enforcing a balance of {$260.00} without explanation. No formal written response has been provided, and no documentation has been supplied to justify this balance. Additionally, I received notice on XX/XX/year> notifying me that my account was now taken over by a partner known as " Santander Bank, XXXX. '' as of XX/XX/year>. I have included a screenshot of this email as well. This email stated that this partner was to service South Carolina accounts although I'm an official resident of Georgia. 
I am now requesting that the Consumer Financial Protection Bureau investigate the following : Santanders failure to provide my original loan contract despite XXXX promises and multiple certified requests The ongoing enforcement of a {$260.00} balance that is under formal dispute Whether any negative credit reporting occurred as a result of this discrepancy Santanders overall handling of this account, including reversal of charges without notice but lack of formal resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 2025-05-21 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Subject : Identity Theft Dispute Request for Blocking, Investigation, and Deletion of Fraudulent Accounts and Inquiries Dear Consumer Relations, I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ), I am requesting that these fraudulent items be blocked, investigated, and permanently deleted from my credit report. 
I recently became aware of fraudulent activity on my credit report on XX/XX/2025, when I attempted to apply for an auto loan. Upon review, I discovered unauthorized accounts and hard inquiries linked to my personal information. I have never applied for, authorized, or conducted any transactions related to these accounts. Additionally, I have received official notice that my personal data was compromised in the Equifax data breach, which further supports my claim of identity theft. 
For reference, I have filed an identity theft report with the XXXX Police Department, and an active investigation is ongoing. The details of the report are as follows :

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 2025-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There is an inquiry listed on my XXXX  credit report that lists a bank of america inquiry XX/XX/XXXX and i have contacted them for removal and was told verbally on the phone twice it would be removed and emailed about it at the beginning but never could get ahold of the person who said they would be handling the dispute. Since XXXX Ive been given the run around and no help. They ignored my attempts to resolve this and after telling me on the phone that the inquiry would be removed back in XXXX. Its now 5 months past XXXX. Please remove this immediately from reporting to my credit file. 

continuing to report this inquiry will result in legal action to recover damages for misreporting if this is not resolved per this CFPB complaint.

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 2025-05-21 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Sunrise Credit Collections reported a {$120.00} collection account to XXXX around XX/XX/year>. I called Sunrise credit agency complaining that I knew nothing of the debt. 
I never received emails or any mail because I moved from that address and I couldnt access that email. Sunrise Credit agreed the collection was reported wrongly on my credit report and said XXXX  is being sued for this kind of stuff and after also contacting XXXX the collection was removed in XXXX hours. 

Days later it was also reported as a collection to XXXX and weeks later to XXXX. I reminded them it was just removed from XXXX but the new agent said he couldnt help. 

-Sunrise credit stated they also sent the emails to the email XXXX haven't had access to that email for maybe over XXXX years because fraud was committed on my accounts so I didnt receive any notices because that account got locked and closed. I also told them I never received any piece of mail because I moved from that address. 

Around XX/XX/XXXX I called and reminded Sunrise Credit Collections again that the wrongly reported collection account was removed from my credit report and I asked Sunrise to remove it from XXXX and please submit the emails and mail they sent to me over the course of XXXX, XXXX, XXXX plus days so so can see where they actually sent them but they refused. 

On XX/XX/XXXX I called Sunrise again because it was reported to XXXX. 
They said, once its reported its reported. Nothing they can do. 

I had no knowledge of this bill and couldnt dispute or pay the bill if owed, yet they reported it on all my credit 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 explanation
Consumer complaint received 2025-05-21 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: KY

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Had served me paperwork by a Sheriff and attempted to take me to court and I have the paperwork to show proof .. LVNV Funding LLC claimed amount {$730.00} filed on XXXX XXXX .. Im disabled as well. Receiving SSDI. This has been on ongoing and its definitely inaccurate online says it s {$610.00}. I would like to ask for this debt to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against TransUnion Violation of FCRA, 15 U.S.C. 1681c-2 To Whom It May Concern, I am filing this complaint to report TransUnions willful and ongoing violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2, regarding their failure to block and remove fraudulent information from my credit report despite having received all required documentation. 

I am a victim of identity theft. In XX/XX/XXXX, an employee at XXXX of XXXX XXXX misused my personal informationincluding my Social Security Numberwithout my knowledge or authorization to fraudulently open a XXXX XXXXXXXX XXXX XXXX XXXX ( Account No. XXXX ). I became aware of this in XX/XX/XXXX when I unexpectedly received a credit card in the mail. The fraudulent account was later charged off and illegally sold to a debt collector. After disputing the debt, the collection agency removed it due to lack of validation. 

Despite these facts and my repeated disputes, TransUnion has continued to report this fraudulent account. On XX/XX/XXXX, I formally submitted a written request to TransUnion under FCRA 15 U.S.C. 1681c-2, including : A full FTC Identity Theft Report ( Report # XXXX ) A copy of my government-issued ID My Social Security card A utility bill to verify my address This documentation clearly satisfied the statutory requirements for blocking identity theft-related information. Under the law, TransUnion was required to block the fraudulent account from my credit file within four ( 4 ) business days of receipt. They have not done so.

Their failure to comply not only violates federal law but continues to cause substantial and unjustified harm to my credit and personal life. I requested that the account be manually reviewed and permanently removed, not processed through the automated e-OSCAR system. I have received no meaningful response from TransUnion, only system-generated letters that do not address the specific nature of this case. This is a clear case of willful noncompliance with the FCRA. I request that the CFPB investigate
TransUnions practices and compel them to immediately and permanently remove the fraudulent XXXX XXXX XXXX  account from my credit report, as required by law. 

I am including all supporting documentation with this complaint for your review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe is inaccurate. I respectfully request that you conduct a full reinvestigation into the information provided and remove or correct it if it can not be verified as accurate and complete. 

Below are the details of the account I am disputing : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$15000.00} I am requesting that you review this account for any errors in reporting, verify its accuracy with original documentation, and remove it if it can not be properly validated. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute incomplete or inaccurate information on their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-21 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 have submitted fraud investigation on my credit file in XXXX, XXXX, XXXX, XXXX, and XXXX and to no avail. I am writing because I was a victim of identity theft from a credit agency breach and was awarded a settlement for the error in part of the company. I have disputed all the incorrect information on my credit report, and nothing has been removed from the credit bureau TransUnion. None of the accounts on my credit report contains an account number only the account and the amount. I am requesting that all fraudulent accounts be removed due to identity theft. The inaccurate information is causing harm to credit report, and I expect immediate corrective action. Per Section 605B to the Fair Credit Reporting Act 15 USC 1681 c-2 be removed and permanently blocked from my credit file. I am filing this complaint with CFPB and I will seek monetary damages for the caused by the reporting of these inaccuracies. If not removed, I will escalate the matter to the appropriate legal authorities. This a time sensitive matter and failure for the agencies to act promptly will result in further legal action to protect my rights and restore my credit.

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