vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Issue with Care Credit. 

Care Credit increased our balance which we only recently found out about. We never received anything by mail to show us this would be increasing nor have we received any bill in the mail. We legitimately owe of {$2100.00}. Care credit increased XXXX {$2100.00} and now says we owe {$4200.00}. We have called them asking if they can help us and they will do nothing about it. 

Here is the history : In 2023, we were faced with an unexpected medical situation. My son was diagnosed with a rare eye condition called XXXX. In order to stop the progression, he had to have a specialized procedure and be fitted for a specialized contact lens. Due to the urgency of this medical need, we had no choice but to apply for the card credit card to cover the necessary costs as this was not covered by insurance. We were offered {$4000.00} interest fee from Care Credit to pay for these medical charges. 

This expense was not made lightly, and we are doing our best to keep up with payments. 
We are committed to paying off what we owe of {$2100.00}, however we should not be paying for any additional amount. We are hoping you can reach out to them to do something about this.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding an account reported by Santander Consumer USA ( Account ending in XXXX ) on my Equifax credit report, showing a charged-off auto loan with a {$9300.00} past due balance. This account is reporting numerous inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account must be immediately deleted or I will be forced to escalate this legally. 

Legal Violations and Inaccuracies : I have never received any legally required documentation from Santander Consumer USA, including : Notice of Repossession ( as required under the XXXX Article XXXX ) XXXX Cancellation of Debt Validation of Debt under 15 U.S. Code 1692g ( b ) ( FDCPA ) This account shows inconsistent, inaccurate, and unverifiable data : Conflicting payment dates and statuses from XXXX to XXXX ( e.g., Charge-Off status while also showing payments and " OK '' statuses in the same periods ). 

A {$33000.00} charge-off with only {$2500.00} paid, but still reporting a {$9300.00} past due balancemathematically and legally inconsistent. 

Comments claim " XXXX Disputes XXXX in XXXX '' with no legal method of investigation ever provided, violating XXXX XXXX XXXX XXXX. 

Account status was changed and re-aged in a way that falsely extended derogatory impact. 

Legal Precedents : Santander XXXX XXXX In XXXX, Santander paid {$550.00} XXXX in restitution for unfair, deceptive, and abusive servicing and underwriting practices. [ State of Massachusetts et al. XXXX Santander Consumer USA XXXX ] FCRA Violations 15 U.S. Code 1681s-2 requires furnishers to provide accurate information and properly respond to consumer disputes.

FDCPA Violations Failure to validate debt after dispute under 15 U.S. Code 1692g ( b ) is grounds for deletion and statutory damages.

UCC 9-611, 9-614 Requires proper notice of disposition of collateral. I received no repossession letter or accounting statement before or after charge-off. 

XXXX XXXX Santander XXXX courts have found Santander liable for reporting errors and failing to properly respond to disputes. 


Santander is illegally reporting invalid, unverified, and outdated information in violation of multiple federal laws. 

This is harming my ability to obtain credit, housing, and employment. 

I demand immediate deletion of this account from my credit reports, or I will initiate a civil suit for willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
I recently pulled my Equifax credit report and discovered an account reported by XXXX XXXX Bank XXXX XXXX, ending in XXXX, showing a balance of {$280.00} and listed as a closed account with negative information. I have never opened any account with XXXX XXXX, its affiliates, or any of its partners. I also never authorized anyone to add me as an authorized user on any XXXX XXXX account. 

This account is inaccurately reported under my name, and I am deeply concerned as it is negatively affecting my credit score and leading to credit application denials. I contacted XXXX XXXX directly, but their representatives could not locate any account under my information and confirmed I have no existing relationship with their institution. This inconsistency raises serious concerns about potential identity mix-up or reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

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 2025-08-06 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: IL

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 XXXX 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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
They do not allow my payments to go through. Every payment I make they send the confirmation email saying they received it then send the money back to me without saying anything. Then they report on my credit saying I miss payments and am delinquent without contacting me until after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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:
I am writing to dispute the presence of accounts on my credit report that I did not authorize, open, or manage. These accounts have been reported under my name without my knowledge or consent and are entirely inaccurate. 

This is a serious misrepresentation of my financial history and a violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email stating that my phone number with capital one has been changed, despite the fact that I do not work with capital ones services. On top of this, I was sent an email that stated I was approved for a XXXX credit card. Following these emails I received a text notification stating, Thanks for giving Capital One your mobile number. You may get texts with important info about your account from XXXX or XXXX. 

You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. 

Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. XXXX frequency varies. XXXX & data rates may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information, If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I am requesting that the following accounts be deleted from my credit profile immediately : Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Type : Unsecured Loan Balance : {$8700.00} Past Due : {$8700.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Unsecured Loan Balance : {$10000.00} Past Due : {$10000.00} Status XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Type : Line of Credit Balance : {$8800.00} Past Due : {$8800.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Credit Card Balance : {$0.00} Status XXXX XXXX XXXX  Original Balance : {$14000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Unsecured Loan Balance : {$13000.00} Past Due : {$13000.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Type : Credit Card Balance : {$0.00} Status : XXXX ( XXXX late in XX/XX/XXXX ) Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information, If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I am requesting that the following accounts be deleted from my credit profile immediately : Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Type : Unsecured Loan Balance : {$8700.00} Past Due : {$8700.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Unsecured Loan Balance : {$10000.00} Past Due : {$10000.00} Status XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Type : Line of Credit Balance : {$8800.00} Past Due : {$8800.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Credit Card Balance : {$0.00} Status XXXX XXXX XXXX  Original Balance : {$14000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Unsecured Loan Balance : {$13000.00} Past Due : {$13000.00} Status : XXXX XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Type : Credit Card Balance : {$0.00} Status : XXXX ( XXXX late in XX/XX/XXXX ) Date Opened : XX/XX/XXXX Last Payment : 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with XXXX U.S.C. XXXX ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * the account is shown in collection Transunion and Experian only Collection account opened at XXXX XXXX BANK on XX/XX/XXXX account number unavailable the account is shown in collection Experian only also showing late payment history Experian only Collection account opened at BANK XXXX XXXX on XX/XX/XXXX account number unavailable the account is shown in collection Experian only also showing late payment history Experian only Collection account opened at XXXX XXXX BANK XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection Experian only also showing late payment history Experian only Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * the account is shown in collection Transunion and Experian only Collection account opened at XXXX XXXX BANK XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is shown in collection Experian only also showing late payment history Experian only which is being inconsistently reported among the XXXX credit bureaus.

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