vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am disputing the inaccurate reporting of a charged-off account with XXXX XXXX, account number XXXX, reflecting a balance of {$14000.00} on my XXXX, Experian, and XXXX  credit reports. This account has been incorrectly reported, creating a misleading picture of my financial responsibility and significantly damaging my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit bureaus are required to ensure the maximum possible accuracy of the information they report. However, this account appears to have been included without proper verification or consideration of potential discrepancies, likely resulting from broader data breaches that have impacted millions of consumers in recent years. This lack of thorough investigation and verification before reporting such a significant debt is not just a violation of federal law, but a profound failure to protect my financial identity. 

This ongoing error has placed a severe burden on my financial health and peace of mind. I have faced unjust denials for essential credit, increased interest rates, and the ongoing stress of defending my financial integrity against inaccurate data. The emotional toll of this misreporting has been overwhelming, affecting my ability to plan for my familys financial future and undermining my confidence in the credit reporting system. This is more than a clerical error ; it represents a profound breach of trust and a clear violation of my rights as a consumer. For XXXX  in particular, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed ongoing failures to conduct proper investigations, further casting doubt on the reliability of this accounts verification. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct thorough and reasonable reinvestigations within 30 days, and under 15 U.S.C. 1681 ( a ) ( 5 ), any unverifiable or inaccurate information must be promptly deleted or corrected.

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 2025-05-16 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting on my report. These remarks have been detrimetnal to my life and credit health. 

Late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$1800.00} Opened XX/XX/XXXX Collection account due to Identity theft Included in FTC REPORT XXXX XXXX XXXXXXXX ( for XXXX ) XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX {$2200.00} I request a proper investigation be done regarding this accounts or update information on 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 2025-05-16 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: FL

Complaint narrative:
I am disputing inaccurate credit reporting by Santander XXXX  USA. This account was officially charged off in XX/XX/XXXX, but Santander has continued to report new missed payments every month through XX/XX/XXXX. This practice is known as re-aging and violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal written dispute directly to Santander. I clearly explained that a charged-off account can not continue to show new delinquencies after the charge-off date. I requested correction of the payment history and removal of all late payment entries after XX/XX/XXXX. 

Despite this, a Santander representative and their manager refused to make corrections. They confirmed they would continue reporting these inaccurate payment updates, which are damaging my credit and preventing me from securing housing and business financing. 

I am requesting that the CFPB investigate this matter and require Santander to remove all post-charge-off payment entries and update the account with accurate historical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1.ACCOUNT NAME : XXXX XXXX XXXX XXXX NUMBER : XXXX * As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN An has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank

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 2025-05-16 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-16 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:
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. 

XXXX. XXXX XXXX XXXX XXXX XXXX {$58000.00} XXXX. XXXX XXXX  XXXX {$3300.00} XXXX. XXXX XXXX XXXX XXXX 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, 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 and crimes which antedates the report by 7 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 2025-05-16 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: NH

Complaint narrative:
I am disputing the inaccurate reporting of a charged-off account with XXXX XXXX, account number XXXX, reflecting a balance of {$14000.00} on my TransUnion, XXXX, and XXXX  credit reports. This account has been incorrectly reported, creating a misleading picture of my financial responsibility and significantly damaging my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit bureaus are required to ensure the maximum possible accuracy of the information they report. However, this account appears to have been included without proper verification or consideration of potential discrepancies, likely resulting from broader data breaches that have impacted millions of consumers in recent years. This lack of thorough investigation and verification before reporting such a significant debt is not just a violation of federal law, but a profound failure to protect my financial identity. 

This ongoing error has placed a severe burden on my financial health and peace of mind. I have faced unjust denials for essential credit, increased interest rates, and the ongoing stress of defending my financial integrity against inaccurate data. The emotional toll of this misreporting has been overwhelming, affecting my ability to plan for my familys financial future and undermining my confidence in the credit reporting system. This is more than a clerical error ; it represents a profound breach of trust and a clear violation of my rights as a consumer. For XXXX  in particular, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed ongoing failures to conduct proper investigations, further casting doubt on the reliability of this accounts verification. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), XXXX  is required to conduct thorough and reasonable reinvestigations within 30 days, and under 15 U.S.C. 1681 ( a ) ( 5 ), any unverifiable or inaccurate information must be promptly deleted or corrected.

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 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I paid off a credit line in full with debt collections after I was XXXX, I now have proof of this transaction. Now almost a year later I have found that city bank claims I owed them an addition {$290.00} approximately after the fact and closed that account back in XX/XX/year>. 
I was not notified in anyway shape of form of this debt due and believed everything was okay after paying off the debt in FULL to collectors, I filed a dispute with all XXXX credit bureaus and all of them failed to mail me files updating me on what was happening. The disputes failed and I was notified over the phone today XXXX, XXXX months after I filed the disputes, that they had failed and XXXX XXXX  claimed it was the correct amount. Now it has forced me into a difficult position of not being able to purchase a home, nor be able to renew my lease at a monthly rate to make home buying possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 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 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 explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Transunion will not REMOVE the Fraudalent account from my credit reports. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unlawful debrt of {$1800.00} dollars Experian and Equifax has XXXX XXXX  also.

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 2025-05-16 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: CA

Complaint narrative:
Transunion will not REMOVE the Fraudalent account from my credit reports. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unlawful debrt of {$1800.00} dollars Experian and Equifax has XXXX XXXX  also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. XXXX report is attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

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 explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
TransUnion reported a {$170.00} collection on my credit report that caused me to be denied housing. I contacted the original creditor directly, resolved the issue, and received a deletion letter which I submitted to TransUnion via email ( XXXX, XXXX, and others ). 

I attempted to dispute the item through the online portal, but it would not allow a new submission due to an open dispute. I have called multiple times, waited for supervisors, and been given conflicting information with no resolution. 
I informed TransUnion that this delay is affecting my housing situation. Under FCRA 611, they are required to promptly correct inaccurate data this is a verified deletion and they are stalling the update. This must be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: HI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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