vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to notify you of an inaccurate delinquency reported to the credit bureaus regarding a vehicle loan originally held through XXXX XXXX, now owned by XXXX XXXX. I have NEVER paid my account 30 days late! The vehicle was totaled in XX/XX/year>, and the loan was paid in full via a combination of an insurance settlement, XXXX insurance, and a final $ XXXX interest payment I personally made to ensure a XXXX balance. Despite this, the company is inaccurately reporting the account as delinquent to Experian, TransUnion, and Equifax. This false reporting is severely damaging my credit at a critical time ( score dropped XXXX points ), as I am currently in the process of purchasing a home. This conduct appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information - 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct proper investigations upon receiving notice of dispute I am formally requesting that you immediately : 1. Investigate and correct the reporting of this account immediately 2. Notify all three credit bureaus of the corrected status immediately 3. Confirm in writing that the account reflects a {$0.00} balance/paid in full and is NOT delinquentI have attached proof of payment, insurance and XXXX documentation, and the credit alerts reflecting the inaccuracy. Please treat this as a formal dispute under the FCRA and respond within 30 days or less, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to notify you of an inaccurate delinquency reported to the credit bureaus regarding a vehicle loan originally held through XXXX XXXX, now owned by XXXX XXXX. I have NEVER paid my account 30 days late! The vehicle was totaled in XX/XX/year>, and the loan was paid in full via a combination of an insurance settlement, XXXX insurance, and a final $ XXXX interest payment I personally made to ensure a XXXX balance. Despite this, the company is inaccurately reporting the account as delinquent to Experian, TransUnion, and Equifax. This false reporting is severely damaging my credit at a critical time ( score dropped XXXX points ), as I am currently in the process of purchasing a home. This conduct appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information - 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct proper investigations upon receiving notice of dispute I am formally requesting that you immediately : 1. Investigate and correct the reporting of this account immediately 2. Notify all three credit bureaus of the corrected status immediately 3. Confirm in writing that the account reflects a {$0.00} balance/paid in full and is NOT delinquentI have attached proof of payment, insurance and XXXX documentation, and the credit alerts reflecting the inaccuracy. Please treat this as a formal dispute under the FCRA and respond within 30 days or less, as required by law.

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 2025-08-14 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: GA

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate, incomplete, and unverified items on my credit report, and has failed to conduct a proper reinvestigation despite my previous dispute. Experian is listing a XXXX  XXXX account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as a charge-off without providing any signed contract, complete payment history, or proof of default. They are also reporting XXXX  ( # XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with late payments even though no payment ledgers or account records have been shown. In addition, they have multiple 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, and another # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) including one with an alleged balance of {$29000.00}. These medical debts have not been validated, no original bills have been produced, and there is no HIPAA-compliant authorization allowing Experian to report this private medical information. Furthermore, my file contains numerous hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX that I never authorized. Under FCRA 1681b, these inquiries must have a permissible purpose, which has not been demonstrated. Experians failure to maintain maximum possible accuracy under 1681e ( b ) and to delete unverifiable information under 1681i ( a ) ( 5 ) is causing significant harm to my creditworthiness and financial opportunities. I am requesting that the CFPB take immediate enforcement action to compel Experian to remove all inaccurate, unverifiable, and unauthorized information from my credit 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 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Im unaware of this debt. They didnt give me the opportunity to address this debt. If in fact, you believe I receive proper notification please provide the certified mail with my signature stating that I received it. I never had the opportunity to address to this Debt. If I had the opportunity to address I would have taken care of this before they put this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am writing to express my disappointment with the level of service Ive recently experienced regarding opening a business account with XXXX XXXX at Santander bank  XXXX XXXX XXXX XXXX XXXX, NJ I have been a loyal client of Santander bank for over eight years, during which I have maintained a consistent and healthy relationship with a checking account and a money market account. 
Unfortunately, my recent interactions with one of the bankers on XX/XX/XXXX have been unsatisfactory and not reflective of the professionalism Ive come to expect from your institution. The lack of attentiveness and support has caused frustration and has led me to reconsider the benefits of continuing to bank with Santander. 
I submitted my business documents to open a business checking account. XXXX informed me immediately that I was not approved to open a business account. No explanation was given she emailed me stated not approved. I called to the corporate office business center and asked them what was the reason of a non approval I have been with the bank an extensive time. The business center explained they never received any of my documentation to open a business account which I spoke to that office XX/XX/XXXX. I run a property management company which I have established business accounts with other banking institutions. 
I have also contacted the branch manager XXXX XXXX and asked for his assistance and help. As with XXXX no response. 
I would appreciate it if this matter could be looked into and addressed appropriately. At this point in my relationship with the bank, This is unsatisfactory service, particularly given the financial activity and trust Ive placed in this institution over the years. I have not heard from XXXX as to why I was not approved to open a business checking account. The corporate office of Santander the banker should tell me why I was not approved in writing. I have reached out to her several times no response.

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 2025-08-14 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Identity Theft & Unauthorized Credit Inquiries FCRA 1681b & 1681c-2 To Whom It May Concern, I am writing to formally dispute and demand the removal of unauthorized credit inquiries that appear on my Experian credit report. I did not authorize these inquiries, nor did I have any business relationship with the entities that accessed my report. This is a clear violation of FCRA 15 U.S.C. 1681b ( f ), which requires a permissible purpose and consumer consent.

Inquiries in Dispute ( Identity Theft Related ) : [ List all inquiries you did not authorize, with dates and creditor names, e.g. : ] XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/year> XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> XXXX XX/XX/year> [ Continue the list for all disputed inquiries ] Under 15 U.S.C. 1681c-2, I am invoking my right to block information resulting from identity theft. You must immediately remove these inquiries from my credit report.

Additionally, please provide the following as required by law : The name, address, and contact details of the entities who accessed my report.

The documentation or certification you relied upon to permit these inquiries ( including any signed authorization ).

Failure to properly investigate and delete these unauthorized inquiries will constitute willful noncompliance under 15 U.S.C. 1681n, exposing Experian to statutory damages, actual damages, punitive damages, and attorneys fees.

If these inquiries are not removed within 30 days, I will file complaints with the CFPB, FTC ( Identity Theft Report ), and my State Attorney General, and pursue legal action for damages. 

Enclosed are copies of my identification and proof of address for verification.

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 2025-08-14 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 A XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS AND CERDIT INQUIRIES ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME. THESE ACCOUNTS NEED TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX {$40000.00}

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 2025-08-14 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:
I AM A XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS AND CERDIT INQUIRIES ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME. THESE ACCOUNTS NEED TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX {$40000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-14 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
they violated my rights as a consumer under 15usc 1681b and I need these items blocked and deleted off my credit report as soon as possible.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHOICE CAPITAL FUND
State: TX

Complaint narrative:
Do not remember every taking a loan for {$700.00} in XXXXThey stated it was with chase bank XXXX XXXX never opened an credit card or a Bank Account with XXXX XXXX. I asking they provide with all information listed; Flow Agreement, Ownership of the Debit Transfer of Assignment Bill, Chain of Assignment, Purchase Agreement, insurance claim of debit, My Signature Agreement to pay. I believe it is illegal for a third party to collection a debit that the original debit XXXXompany has filed an IRS 1099c and it no longer collectable, also did not consent to it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : 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 Item 's Subscriber Number : 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 2025-08-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief