vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file regarding a charged-off account. The account listed below contains incorrect or unverifiable information and should be investigated and corrected immediately. 

According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer credit report must be accurate, complete, and verifiable. I am requesting a thorough investigation into this account. If the information can not be verified or corrected, it must be removed from my credit report. 

Attached are supporting documents to assist with the investigation, including [ e.g., payment records, correspondence with the creditor, account closure confirmation, etc. ]. 

Please complete the investigation within 30 days as required by law and provide written confirmation of the outcome. If the information is verified as accurate, I request a detailed explanation, including the method and source used to verify the data.

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 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I have called I.C. systems and spoke with several representatives to advise that i do not owe the bill that they are constantly writing me about. Legally i have a right to dispute the information and asked for all collection efforts to cease immediately. Unfortunately they refused to dispute the information and advise me to follow up with XXXX, This bill do not belong to me and I am requesting to be legally stopped all collections letters phone calls and credit reporting before the issue be escalated legally.

I.C. System Reference # : 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 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
On XX/XX/year> I discovered my accounts were being hacked. They tried to withdraw $ from my checking, savings, investment acct and several credit cards. I canceled all accounts or put a block on them through XXXX. I was able to stop all actions except this one from Western Union. Someone tried to get {$350.00} sent to XXXX from my closed checking account. Western Union even knew that the account had been closed and still they sent the money. I do not even have a Western Union account and now they have sent this to a collections company. I called Western Union and they said not to worry about it but I am getting calls, emails and letters. They are trying to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Santander Consumer USA regarding my existing auto loan. I specifically requested a copy of the deal sheet the internal document that shows the approved buy rate from the lender before any dealer mark-up. 

The Santander representative confirmed that they spoke with the funding department, who were aware of what I was speaking about, but stated : This is not something they give the customer. 

This confirms : XXXX. Santanders funding department acknowledged the document exists. 
XXXX. They understood exactly what I was requesting. 
XXXX. Santander has a policy of refusing to provide this document to the customer, despite it being essential to verifying whether my interest rate was increased beyond the lenders approved terms. 

Without this information, I am unable to determine if my loan contains undisclosed dealer compensation or rate mark-ups. This withholding prevents me from fully understanding the cost of my credit and whether I was charged more than the approved buy rate. 

I previously filed CFPB complaint # XXXX regarding my Santander loan. While that case is closed, this is a new and separate incident that occurred today, XX/XX/year>. I am submitting this as a new complaint because Santanders refusal to provide key loan documentation represents an additional transparency and consumer rights issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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: OK

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on my credit file and are not tied to any open or closed tradeline, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Despite providing the credit reporting agency with my identification and dispute evidence, they have failed to delete the inquiries or provide proof of my consent as required under FCRA 604 and 609 ( a ) ( 1 ). They have also failed to complete the reinvestigation within th
e statutory timeframe required by FCRA 611 ( a ) and 1681i. 

Specifically : Equifax : XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and are not linked to any legitimate credit application. The bureaus have failed to produce original signed applications, the date/time/method of authorization, or the full contact information of the requesting entity. 

As a confirmed victim of the Equifax and XXXX XXXX XXXX breaches, I invoked my rights under FCRA 1681c-2, which requires unverifiable or fraudulent inquiries to be blocked within four ( 4 ) business days. This request has been ignored.

The bureaus continued reporting of these inquiries without proof of permissible purpose constitutes willful and negligent noncompliance under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On [ XXXX XXXX ], I submitted formal written disputes to Experian, Equifax, and TransUnion regarding inaccurate and unverifiable information on my credit reports, including : XXXX XXXX XXXX, XXXX, and multiple unauthorized hard inquiries. 

I provided account names, numbers, and the nature of each inaccuracy in full compliance with the FCRA. The bureaus received my disputes and are required under 15 U.S.C. 1681i to conduct a proper reinvestigation within 30 days.

Instead, I received form letters ( example : Equifax letter dated XX/XX/year> ) asking for information I had already provided. This appears to be a delay tactic intended to reset the statutory XXXX clock, rather than conducting a good-faith reinvestigation. 

These agencies have continued reporting the disputed items without providing verification from the furnishers. This is a violation of FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to assure maximum possible accuracy ), and is also noncompliant with Metro 2 reporting standards.

This matter is the subject of active federal litigation in the U.S. District Court for the District of Nebraska, Case No. [ insert case number ], where all three agencies are named defendants. I am providing this complaint and supporting documents to create a CFPB record of their ongoing noncompliance and to demand immediate corrective action, including full deletion of the disputed accounts and inquiries. 

Attachments : Original dispute letters ( with proof of delivery ) Equifax stall letter dated XX/XX/year> Formal Request for Information ( RFI ) sent to all three agencies

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LendingPoint Holdings LLC
State: AZ

Complaint narrative:
I was contacted by an agent who would only identify himself as XXXX XXXX XXXX XXXX  weeks ago after he called ( XXXX ) of my relatives. He said they " bought '' my debt and I would now be working with him. I told him that I can not just go by what he's telling me over the phone and asked if he could please send me some information or documents supporting this. I also told him that I am waiting for a retirement payout and can take care of this at end of XXXX ( he was fine with that and said he will call then. Immediately continued the calls within days. The only reason they were not being paid was because we switched banks and didn't realize the auto-pay was still trying to draw from the old account. 

This morning XXXX I got a voicemail from him saying that basically he's going to start calling my relatives again if I don't make a payment. I know they can contact relatives but the way they are doing it is wrong and unethical trying to humiliate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I received an email showing that the funds have been frozen for 90 days. Now that the funds have been frozen for more than 90 days, I have delivered my product to the customer. Please transfer the account balance to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion ( Hard Inquiries on credit Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-11 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:
sent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion ( Hard Inquiries on credit Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed witXXXX XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
To Whom It May Concern : I am formally notifying you that you must immediately cease and desist from reporting, publishing, retaining, or otherwise disseminating any inaccurate, unverifiable, or unauthorized information pertaining to me. This notice is being sent in accordance with the rights afforded to me under the following federal statutes : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

3. GrammLeachBliley Act ( GLBA ), 15 U.S.C. XXXX XXXX. Right to Privacy Act & Identity Theft Enforcement This letter serves as : - A formal dispute of any and all negative accounts, inquiries, or adverse entries that are inaccurate, unauthorized, or unverifiable. 
- A demand for deletion of such information within XXXX calendar days of receipt of this notice. 
- Notice of identity theft. 

I demand that you send me : XXXX. Written confirmation of all deletions and corrections. 
XXXX. A copy of the current credit file you maintain on me, free of charge. 
XXXX. The names, addresses, and contact information of any furnisher ( XXXX ) of disputed data. 

Failure to comply will leave me no choice but to pursue all available legal remedies. 

This is your final notice. No further communication should be made to me except to confirm compliance. 

Sincerely, [ Signature ] XXXX XXXX Enclosures : Copy of government-issued ID, proof of address, FTC Identity XXXX Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Early Warning Services, LLC
State: UT

Complaint narrative:
To Whom It May Concern : I am formally notifying you that you must immediately cease and desist from reporting, publishing, retaining, or otherwise disseminating any inaccurate, unverifiable, or unauthorized information pertaining to me. This notice is being sent in accordance with the rights afforded to me under the following federal statutes : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
3. GrammLeachBliley Act ( GLBA ), 15 U.S.C. XXXX XXXX. Right to Privacy Act & Identity Theft Enforcement This letter serves as : - A formal dispute of any and all negative accounts, inquiries, or adverse entries that are inaccurate, unauthorized, or unverifiable. 
- A demand for deletion of such information within XXXX calendar days of receipt of this notice. 
- Notice of identity theft. 

I demand that you send me : XXXX. Written confirmation of all deletions and corrections. 
XXXX. A copy of the current credit file you maintain on me, free of charge. 
XXXX. The names, addresses, and contact information of any furnisher ( XXXX ) of disputed data. 

Failure to comply will leave me no choice but to pursue all available legal remedies. 

This is your final notice. No further communication should be made to me except to confirm compliance. 

Sincerely, [ Signature ] XXXX XXXX Enclosures : Copy of government-issued ID, proof of address, FTC Identity XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
: XXXX XXXX XXXX of JP MORGAN CHASE BANK discriminated against me base upon my race during the account opening of a non residence private account and retaliated against me when he transferred my funds to another financial institutions without giving me a legal basis. He used that transfer that subjected me to a more excessive fee institutions that cost me a substantial amount to complete the transaction and each still refuse to allow me to withdraw or access my deposited funds that I owns base upon my race.

Company response to consumer: Closed with explanation