vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus.

The account in question is : Creditor/Lender Name : Santander Account Number : The Reported Date, Date Closed, and Payment History for this account is being reported differently across the following credit bureaus : XXXX  reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late XXXX  reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late XXXX reports : Reported Date : XX/XX/XXXX, Closed Date : XX/XX/XXXX, Payment History : XXXX months/days late This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate.

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: CA

Complaint narrative:
Subject : Promotional Bonus Not Issued Despite Meeting Requirements Hello, I opened a new checking account with Netspend based on a promotional offer of {$200.00} for receiving direct deposits of {$400.00} or more within 60 days. My account received a qualifying direct deposit on XX/XX/XXXX, but I have not received the {$200.00} bonus as promised within XXXX business days. 

I reached out to customer service a few times, and although I believe I met all the stated requirements, they have not clarified which condition they claim was not satisfied. I also shared the original promotional terms, which can be found here : XXXX XXXX XXXXXXXX As the issue remains unresolved, Im requesting assistance to ensure the bank honors the offer as advertised. 

Thank you for your help.

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 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Current Status : Collection account, {$830.00} past due

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 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern, This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ), and it pertains to fraudulent and inaccurate accounts that have been reported under my name due to identity theft or reporting errors : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I am demanding the immediate and permanent blocking and deletion of all the following accounts, which were fraudulently opened or inaccurately reported under my identity : XXXX Account # : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00} Status : Charge-off XXXX XXXX Account # : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$640.00} Status : Late Payment XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3000.00} Status : Late Payment XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2300.00} Status : Late Payment ( LP ) 2. 15 USC 1681i : I am exercising my legal right to disput

e these accounts and request their deletion as they are inaccurate and/or unverifiable. These tradelines should be thoroughly investigated and immediately removed.

3. 15 USC 1681e ( b ) : As per this statute, credit reporting agencies are obligated to maintain reasonable procedures to ensure maximum possible accuracy. The existence of these accounts under my file represents a failure in such procedures. I demand a full review of my report and the correction of all resulting inaccuracies.

4. 15 USC 1681g ( a ) : I formally request a copy of my complete consumer report to verify what is being reported and to identify any additional inaccuracies related to this issue.

5. 15 USC 1681m : Please ensure that no negative information arising from this breach continues to be reported or distributed to third parties, in compliance with your obligations under this statute.

6. 15 USC 1681n : Should you fail to comply with these obligations, I reserve the right to seek statutory damages for your willful non-compliance under the FCRA.

I expect written confirmation of your receipt of this letter, your findings regarding these accounts, and the actions you have taken. Furthermore, I would appreciate an update on any measures you are implementing to protect my personal information going forward.

This matter requires your immediate attention. I expect your written response within 4 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
To Whom It May Concern, This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ), and it pertains to fraudulent and inaccurate accounts that have been reported under my name due to identity theft or reporting errors : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I am demanding the immediate and permanent blocking and deletion of all the following accounts, which were fraudulently opened or inaccurately reported under my identity : XXXX Account # : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00} Status : Charge-off XXXX XXXX Account # : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$640.00} Status : Late Payment XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3000.00} Status : Late Payment XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2300.00} Status : Late Payment ( LP ) 2. 15 USC 1681i : I am exercising my legal right to disput

e these accounts and request their deletion as they are inaccurate and/or unverifiable. These tradelines should be thoroughly investigated and immediately removed.

3. 15 USC 1681e ( b ) : As per this statute, credit reporting agencies are obligated to maintain reasonable procedures to ensure maximum possible accuracy. The existence of these accounts under my file represents a failure in such procedures. I demand a full review of my report and the correction of all resulting inaccuracies.

4. 15 USC 1681g ( a ) : I formally request a copy of my complete consumer report to verify what is being reported and to identify any additional inaccuracies related to this issue.

5. 15 USC 1681m : Please ensure that no negative information arising from this breach continues to be reported or distributed to third parties, in compliance with your obligations under this statute.

6. 15 USC 1681n : Should you fail to comply with these obligations, I reserve the right to seek statutory damages for your willful non-compliance under the FCRA.

I expect written confirmation of your receipt of this letter, your findings regarding these accounts, and the actions you have taken. Furthermore, I would appreciate an update on any measures you are implementing to protect my personal information going forward.

This matter requires your immediate attention. I expect your written response within 4 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MD

Complaint narrative:
I previously signed up to get XXXX XXXX XXXX XXXX XXXXXXXX XXXX. This was supposed to result in a deposit payment with monthly payments afterwards in exchange for my XXXX XXXX XXXX XXXX XXXX  feedback and check ins with a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Shortly after making my deposit payment, the company shut down their app and all forms of communication with XXXX notice and filed for bankruptcy. Due to me not receiving proper care or service and due to the fact that there was no longer a way to pay as the company no longer existed, there has been a debt piling up. I have been repeatedly harassed by debt collectors and tekcollect over the past year with emails as well as texts and voicemails. I have filed a claim with and emailed tekcollect to close this account and resolve but they have not responded to either forms of communication and have continued to send texts and voicemails that feel threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have my payments on autopay for {$150.00} my minimum payment increased by {$16.00} more. Now Im being considered late and got charged {$40.00} just for {$16.00} that were not paid for the month of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
In XX/XX/year>, I filed a dispute with XXXX  regarding a fraudulent XXXX XXXX XXXX  vehicle loan that was reported under my name with a balance of approximately {$48000.00}. I did not open this account, sign any documents, or authorize the use of my Social Security Number. I submitted supporting evidence, including : FTC Identity Theft Affidavit Copy of my ID and utility bill Screenshots of the individual admitting they used my identity A credit report alert showing charge-off status Despite this, XXXX  verified the account as valid and refused to remove it. I requested an explanation or Method of Verification, but they have not provided details on how they confirmed this account belonged to me. 

I also attempted to file a police report, but was told that the crime occurred in another state ( XXXX  ) and could not be handled by XXXX authorities. 

This false account is significantly damaging my credit. Im requesting the CFPB to assist in having this account removed from my report and to hold XXXX  accountable for failure to comply with the FCRA and their responsibilities to investigate identity theft disputes.

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 2025-07-26 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:
In XX/XX/year>, I filed a dispute with XXXX  regarding a fraudulent XXXX XXXX XXXX  vehicle loan that was reported under my name with a balance of approximately {$48000.00}. I did not open this account, sign any documents, or authorize the use of my Social Security Number. I submitted supporting evidence, including : FTC Identity Theft Affidavit Copy of my ID and utility bill Screenshots of the individual admitting they used my identity A credit report alert showing charge-off status Despite this, XXXX  verified the account as valid and refused to remove it. I requested an explanation or Method of Verification, but they have not provided details on how they confirmed this account belonged to me. 

I also attempted to file a police report, but was told that the crime occurred in another state ( XXXX  ) and could not be handled by XXXX  authorities.

This false account is significantly damaging my credit. Im requesting the CFPB to assist in having this account removed from my report and to hold XXXX  accountable for failure to comply with the FCRA and their responsibilities to investigate identity theft disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$54.00}, XXXX written off. {$54.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$54000.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On or about XX/XX/year>, Source Receivables Management reported a collection account for {$4000.00} on my credit reports. 

I do not recognize this company, and I have never signed any contract or agreement with Source Receivables Management. I was never contacted, notified, or given any opportunity to validate this alleged debt. 

They claim to be the original creditor, yet they have never provided a certified copy of any original contract with my wet-ink signature, nor explained how they obtained my personal information. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). A debt that is not validated can not legally be reported to the credit bureaus. I did not authorize this account, and I do not owe this debt. 

This account is hurting my credit and interfering with housing, employment, and financial opportunities. 

I am requesting that the CFPB investigate and take enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kikoff Inc.
State: TX

Complaint narrative:
I have a KIKOFF Lending Debt with the balance of {$240.00}, this account was open XX/XX/year> for some odd reason I close the account immediately and it says that I have made payments on the account which I have not but then its also says that I am over XXXX months late for this account, and I have already tried to dispute it through credit, and credit, have a very difficult time with removing things that should not be on your credit. Ive already contact multiple credit bureaus, and they all have agreed that this will be removed so now I am completing a complaint in a dispute. I have also tried to remove this multiple times throughout the month since XX/XX/year>, which is now XX/XX/year> going on XX/XX/year> and nothing has resulted or nothing has changed within my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
On XX/XX/year> and again on XX/XX/year>, Caine & Weiner accessed my Experian credit report without my permission and without a valid permissible purpose under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ).

These inquiries were related to a collection account they claimed was owed to XXXX XXXX. I had previously communicated with their office and sent a refusal to pay letter after they failed to provide any legal proof of ownership or assignment of the account. Despite this, they proceeded to pull my credit file twice in less than a month. 

When I called to ask why they accessed my credit without authorization, a representative stated that they did not need my permission because they claimed to own the debt. They also stated that because they could no longer communicate with me directly, they had the right to pull my report instead. This justification is false and not supported under the FCRA. This phone call was recorded. 

To date, Caine & Weiner has failed to provide any legally sufficient evidence of ownership or assignment, and their conduct especially the repeat credit pulls constitutes a willful violation of the FCRA. 

I am filing this complaint to document my good faith efforts to resolve the matter before pursuing legal action in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a XXXX  XXXX  letter about a debt 2 weeks ago. Today someone knocked on my door claiming to have a summons. Stuck it on my door for everyone to see and walked away. No formal court address on summons. Lawyers information and an old statement from 2022 with interest added to total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: TX

Complaint narrative:
I opened an account when I saw a {$200.00} USD promotional incentive that would be paid out within XXXX business days after competing the requirements. I completed the requirements and actually received a credit but for {$70.00} instead of the {$200.00}. I called customer service and they said the addition {$130.00} would be credited within XXXX $ days which does not align with the terms and conditions of the bonus that states I would receive it within XXXX business days.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 


I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 

Account XXXX XXXX XXXX Account number XXXX Inconsistencies across TransUnion , Experian, and Equifax as follows : Date open XX/XX/year> vs XX/XX/year> High Credit amount & Credit limits Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with explanation