vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 have contacted Equifax over and over that all the reports they have on my credit report is not me that stuff I have not done I finally took my credit seriously and looked at everything and almost everything on there is fake and fraudulent it is not me

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding/Resurgent is reporting a debt on my credit report that I disputed. I requested full validation per my rights under the FDC

PA ( 15 U.S.C. 1692g ), but they failed to provide a contract, itemized accounting, or legal chain of assignment. Instead, they sent an old billing statement and a page labeled Applicant Retain This Copy with an alleged signature, which is not a valid contract or proof of debt ownership. I also have active fraud alerts on my credit reports. Reporting this debt without proper investigation violates the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). I am asking the CFPB to require them to delete the account permanently from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charge off account listed below ( American Express account XXXX ). After checking my most current XXXX  credit report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
This company has made an inquiry against my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 

Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : XXXX XXXX  ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX XXXXXXXX XXXX ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX  ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXXXXXX XXXX ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX CARD ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX XXXX {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX CARD ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, TransUnion, and Experian between XXXX and XX/XX/XXXX, citing legal precedents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data. 

I requested documentation verifying the debts, dates, balances, and activity. 

I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General. 

I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe. 

Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681XXXX. 

Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 

Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : XXXX XXXX ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX XXXX CARD ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX  ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXXXXXX XXXX ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX XXXX XXXX {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX XXXX CARD ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, TransUnion, and Experian between XXXX and XX/XX/XXXX, citing legal precedents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data. 

I requested documentation verifying the debts, dates, balances, and activity. 

I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General. 

I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe. 

Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates XXXX XXXX. XXXX. 

Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company
State: AZ

Complaint narrative:
Peachtree Financial Solutions sent me a XXXX  package attempting to purchase my settlement without my authorization or consent. The enclosed paperwork falsely stated " as discussed, '' even though I never agreed to any such transaction. Despite repeatedly informing them that I am not interestedthrough phone calls, letters, and other correspondencethey continued contacting me and ultimately sent a package requiring signatures to finalize a sale I never approved.

This misleading and deceptive practice is completely unacceptable. I will be reaching out to them once again to demand that they stop contacting me. No company should operate in this manner, and there was absolutely no justification for sending me this package.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my 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 non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am submitting this complaint against Santander Consumer USA, which is attempting to collect on a Retail Installment Contract that is void under New York law due to an unlawful and usurious interest rate. 

The contract originated from XXXX XXXX XXXX in XXXX, NY, and I reside in XXXX, NY. The contract is governed by New York law, as stated on page 4. The contract is for a used 2023 XXXX XXXX ( XXXX : XXXX ), and is currently being enforced by Santander Consumer USA. 
The most recent version of the contract provided by Santander discloses : - Amount Financed : {$30000.00} - Finance Charge : {$24000.00} - Annual Percentage Rate ( APR ) : 20.91 % - Total of Payments : {$55000.00} - Total sale price {$57000.00} This APR violates the civil usury cap of 16 % per annum under New York Banking Law 14-a ( 1 ) and General Obligations Law 5-501.

Under General Obligations Law 5-511, a contract charging more than the legal rate of interest is void and unenforceable.

In addition to this most recent version, prior versions of the contract provided by Santander in earlier disputes also reflected APRs above the legal limit, showing a pattern of noncompliance.

I am submitting this complaint to ensure regulatory review of Santanders ongoing enforcement of a usurious and void contract in violation of New York law. I have outlined the specific resolution I believe is fair and lawful in the section below. 

I am attaching the latest version of the contract that Santander is currently using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-29 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: TX

Complaint narrative:
I recently checked my credit report and found that I have several hard inquiries on my credit report that I did not authorize my permission to run my credit for the companies listed on my report.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-29 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 asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the mishandling of my joint savings account closure and the subsequent check disbursement by Chase Bank.

Approximately three months ago around XXXX, I called Chase to close a joint savings account. During the call, I made it clear that I no longer have any contact with the other joint account holder. I was assured multiple times by the representative that the account could be closed over the phone and that a check for the full balance would be issued in my name and mailed to my verified address on file. I confirmed my address during the call and explicitly stated that I would only proceed with the closure over the phone if the check could be sent to me directly. 

Weeks passed and no check arrived. I contacted Chase again, and was told a stop payment would be placed on the original check and a replacement would be issued. Again, weeks passed and nothing arrived. I called again, and after further investigation, a representative informed me that the original check had been cashed. This was shocking because I had never received or signed a check. The rep then discovered that the check had been sent to the other account holders address and made payable only to them, completely contradicting the assurances I received when closing the account. He acknowledged that this was a bank error and told me someone would follow up. No one ever did. 

Today XXXX XXXX, I spent hours on the phone with various Chase representatives and managers. I had to repeat the entire story at least six times. On one of these calls, a XXXX  told me that the check must have had both names, and since I never endorsed it, the signature must have been forged. This only confirmed the seriousness of the error. 

Eventually, I was connected with a final XXXX who, without reviewing the details or offering help, abruptly said, the ticket is closed and theres nothing we can do. I asked if there was anyone above her that I could contact to report the issue, since she was unwilling to acknowledge or correct the banks mistake. She refused to provide any name or contact information and simply stated, Im the XXXX. 

This has been a deeply frustrating and disappointing experience. I was clear, communicative, and patient throughout this entire process. Chase, on the other hand, has been evasive, inconsistent, and unaccountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On around XX/XX/XXXX, an Appeals court related to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX relating to a XXXX transfer if a debt would be due and if the XXXX at that time was already Time Barred and Extinguished by Statute. The XXXX XXXX is XXXX XXXX XXXX that governs written contracts ; and Ca Comm. Code XXXX sets the time expiration if such note is considered a negotiable instrument. This sets the time per State law to enforce the debt by any legal means. XXXX provides a SIX Year time barred debt if the note was accelerated and or XXXX XXXX from last payment due date if not accelerated. The Opinion of the Appeals court, and the Hired Attorney 's XXXX XXXX XXXX concluded that at that time ( XXXX ) in relation to expiration was not yet 10 years at that time. The Governing statute of limitations by Statute Civil Code XXXX sets a maximum time of 10 years from last performance ascertainable from the recorded evidence in the record at XXXX XXXX Recorders XXXX XXXX That a NOD was recorded on XX/XX/XXXX, by XXXX XXXX XXXX, instructed by Nationstar XXXX and set a " Threat of Sale '' beyond the statute of limitations set by law. The NOD is such a liberally construed document to reflect the last due. Additionally on XX/XX/XXXX, the Accelerated Note was recorded in the XXXX XXXX XXXX XXXX and is ascertainable from the recorded evidence of indebtedness. The Maturity Date was advanced by Acceleration by lender, named in that Note, XXXX XXXX XXXX XXXX XXXX XXXX threats of a Sale Date pressuring to file a XXXX on XX/XX/XXXX, and Nationstar XXXX XXXX a Fraudulent debt claimed due, and that same debt was also XXXX by a Court Order XX/XX/XXXX. Nationstar hired XXXX XXXX to file a Motion to Relief from Stay and OMITTED facts and law ; then recorded that as if a debt was owed. There is no debt owed. XXXX XXXX admitted that no dispute that the Note was in fact Accelerated XX/XX/XXXX. The XXXX XXXX determined this XX/XX/XXXX. However, despite the facts that triggered the expiration of the debt and power of sale clause, Nationstar 's Employees claim the Note was not accelerated and have OMITTED this and attempts to re=AGE outdated stale debts to take real property in violation of State law. State law XXXX XXXX XXXX provides that such lien XXXX Extinguished. Nationstar XXXX has disregarded the XXXX XXXX and has informed its employees that the original maturity date remains ; despite the evidence and the Court Ruling and its own XXXX agreeing this note was accelerated 18 years ago. The performance of the debt obligation is from XXXX years ago ; and no Reaffirmation of any mutual agreement exists. I am being Extorted from and HARASSED on a daily basis and Nationstar employees are practicing unlicensed practice of law by claiming that the debt is still owed and the XXXX is still enforceable when the law says it is SATISFIED by law.

Company response to consumer: Closed with explanation