vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
I recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my records. 
XXXXXXXX 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 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  Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am submitting this complaint because TransUnion is inaccurately reporting a charged-off XXXX XXXX account on my credit file ( account number ending in XXXX ), despite my formal dispute and request for verification. 

According to my TransUnion report, this account : Has a balance of {$2200.00} Was charged off in XX/XX/XXXX Was closed on XX/XX/XXXX Last payment was made on XX/XX/XXXX I submitted a dispute under FCRA Section 611, requesting documented evidence that this account was accurately reported, including proof of liability, full payment history, and original documentation signed by me.

TransUnion did not provide the necessary verification. Under the Fair Credit Reporting Act ( FCRA ), if an account can not be verified with proper documentation, it must be deleted. Continuing to report unverifiable data violates FCRA Section 1681i and harms my credit score unfairly.

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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL

Complaint narrative:
I am filing a complaint against MaxLend due to predatory lending practices and a potential violation of my rights under the Electronic Fund Transfer Act ( Regulation E ). 

I borrowed {$1200.00} and have already repaid over {$2100.00}. Despite paying well above what I borrowed, MaxLend is attempting to collect additional payments totaling over {$3500.00}. 

On XX/XX/year>, I formally revoked my authorization for MaxLend to debit my bank account. I also placed a stop payment order through my bank XXXX XXXX  XXXX XXXX ) to block further withdrawals. I emailed MaxLend directly to communicate this and to request written confirmation that my loan would be closed or frozen and that they would not attempt to debit me again. 

MaxLend responded by instructing me to call them, ignoring my request to communicate strictly in writing. They have not confirmed receipt of my revocation or addressed my hardship. My next scheduled debit was for XX/XX/year>. 

MaxLend is a tribal lender charging interest rates far beyond what is permitted under Florida law, where I reside. I am under financial hardship and have made a good faith effort to resolve this appropriately. I am requesting that MaxLend : Cease all further collection efforts Cancel the remaining balance Provide written confirmation that they will not debit my account Consider refunding any overpaid amount beyond the original {$1200.00} I am prepared to provide documentation of all communications, loan agreements, and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am filing this complaint because ChexSystems is still reporting negative banking information from 2013. For example XXXX  bank account .This account should have been removed under the Fair Credit Reporting Act ( FCRA ), which limits negative information to a maximum of 5 years for specialty consumer reporting agencies like ChexSystems XXXX 

The presence of this outdated information has unfairly affected my ability to open a new checking or savings account. I believe this is a clear violation of the FCRAs time limit on reporting negative information. 

I have attempted to resolve this matter but have not received confirmation that the outdated record will be deleted. I am requesting that the CFPB review this issue and ensure ChexSystems removes any negative banking data that exceeds the legally permitted reporting period.

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 2025-07-11 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: VA

Complaint narrative:
Complainant : XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX I am submitting this complaint regarding multiple errors in the payment history of several accounts reported on my credit report. Upon reviewing my file, I found that the following accounts are incorrectly marked with late payments. These errors appear to fall under the category of billing errors as defined by 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act ( FCBA ).

Alleged Violations : The creditors failed to fulfill their obligations under : 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued to the consumer.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or similar accounting errors by the creditor.

Additionally, I was not issued a billing statement 21 days before the alleged delinquency, as required by law.

As a result, these reported late payments are both unfair and legally invalid. 

Disputed Accounts : XXXX XXXX XXXX XXXX Late Payment ( Open ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
Complainant : XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX I am submitting this complaint regarding multiple errors in the payment history of several accounts reported on my credit report. Upon reviewing my file, I found that the following accounts are incorrectly marked with late payments. These errors appear to fall under the category of billing errors as defined by 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act ( FCBA ).

Alleged Violations : The creditors failed to fulfill their obligations under : 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued to the consumer.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or similar accounting errors by the creditor.

Additionally, I was not issued a billing statement 21 days before the alleged delinquency, as required by law.

As a result, these reported late payments are both unfair and legally invalid. 

Disputed Accounts : XXXX XXXX XXXX XXXX Late Payment ( Open ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my consumer credit reports and noticed I had fraudulent inquiries on my report. Please remove I didn't authorize this. Please provide me with proof of where I authorize these inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
My vehicle was in an accident due to a product liability with the control arm on a brand new truck broke while I was driving. The truck was sent to the body shop for repairs. Once the dealership found out I had a Laywer involved they took position of the truck promising to fix it or give me a new one, but they did neither one they hid the truck so I couldnt get The part that caused the accident. I won my case in court, but they kept the vehicle on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: W&A Intermediate Co., LLC
State: VA

Complaint narrative:
I received a letter from XXXX, TN in my personal mailbox that included one piece of paper that appeared as a summons to court on XX/XX/XXXX for a medical debt of XXXX owed. I looked through my portals online and owe nothing according to the hospital accounts and the one I do owe on, I am auto paying once a month. 

I am willing to pay or dispute the bill if there is, in fact, an outstanding balance that has slipped somewhere. However, nothing was attached in this piece of mail. Ive looked through emails, previous mail pieces that are scanned into informed delivery emails, and checked my phone records. Nothing from this company prior. 

The company I was able to figure out from the address on the summons paperwork is Wakefield and Associates, also XXXX XXXX. I have a history of 4 phone calls from them in 2023. That is it. No other forms of communications from them and I never answered those phone calls. Ive tried to go to their website to pay but you need an account number. Well, imagine that, I dont have an account number because Ive never received a single statement from them before.

My other issue is this summons, I have been served, isnt even filled out correctly. It wasnt hand delivered, there is no stamp, no signature from the court and nothing is filled out. Where there is supposed to be a signature, from them confirming the debt owed, its a computer generated scribble of circles.

I have contacted my county court and they have no record or information regarding my court date I allegedly have with this company.

I also went to the Sheriff Dept. to show them the letter and envelope it came inthey said this is such an obvious fake summons/scam if they ever saw one. I was also told, its ILLEGAL for companies to do things like this.

This is a really terrible way to obtain money for a debt ( if I even have one ) and it is also very unethical and scummy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX Balance {$40.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$230.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX Balance {$40.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$230.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
ID theft FTC rpt XXXX. XXXX unauthorized inquiries across TransUnion, Experian & Equifax from XXXX. Full list attached. Demand block under FCRA 605BTransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 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: VA

Complaint narrative:
ID theft FTC rpt XXXX. XXXX unauthorized inquiries across TransUnion, Experian & Equifax from XXXX. Full list attached. Demand block under FCRA 605BTransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
A new personal loan appeared on my credit report for {$600.00} and at no point in time did I ever apply for this loan or received it in any of my bank accounts.

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 2025-07-11 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
A new personal loan appeared on my credit report for {$600.00} and at no point in time did I ever apply for this loan or received it in any of my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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