vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
This is not a duplicate complaint. It contains new facts and new harm occurring in XXXX. 

Santander XXXX USA charged off this auto loan in XXXX, yet they continue to report the account illegally and inaccurately. While I am not the primary borrower, this account has been detrimental to me. On my credit report dated XX/XX/XXXX, Santander added a new 30-day delinquency even though the account had already been charged off. This is unlawful re-aging of a charged-off debt. 

Santander then assigned the account for repossession on XX/XX/XXXX, and the vehicle was repossessed on XX/XX/XXXX. Following this, the account status was updated again from charge-off to collection due to repossession. This creates conflicting, misleading, and inaccurate reporting : a XXXX charge-off, new delinquencies in XXXX, and a repossession/collection update six years later. 

Additionally, the address Santander has on file and continues to report is not even my correct address. This makes the account even more inaccurate and misleading, further violating the Fair Credit Reporting Act ( FCRA ). 

These inconsistent and unlawful updates are damaging. They violate the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) and have caused tangible harm, including : A significant credit score drop. 

Credit denials and increased financial costs. 

Ongoing emotional distress and reputational damage. 

I have disputed this account multiple times with XXXX XXXX XXXX, filed CFPB complaints, and sent Santander an Intent to Sue letter. Despite this, Santander continues to verify the account instead of correcting or deleting the tradeline. Their willful noncompliance has left me no choice but to pursue legal action. I will now file a lawsuit in state court and will continue to escalate through federal channels if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
This is not a duplicate complaint. It contains new facts and new harm occurring in XXXX. 

XXXX XXXX XXXX charged off this auto loan in XXXX, yet they continue to report the account illegally and inaccurately. While I am not the primary borrower, this account has been detrimental to me. On my credit report dated XX/XX/XXXX, XXXX added a new XXXX delinquency even though the account had already been charged off. This is unlawful re-aging of a charged-off debt. 

XXXX then assigned the account for repossession on XX/XX/XXXX, and the vehicle was repossessed on XX/XX/XXXX. Following this, the account status was updated again from charge-off to collection due to repossession. This creates conflicting, misleading, and inaccurate reporting : a XXXX charge-off, new delinquencies in XXXX, and a repossession/collection update six years later. 

Additionally, the address XXXX has on file and continues to report is not even my correct address. This makes the account even more inaccurate and misleading, further violating the Fair Credit Reporting Act ( FCRA ). 

These inconsistent and unlawful updates are damaging. They violate the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) and have caused tangible harm, including : A significant credit score drop. 

Credit denials and increased financial costs. 

Ongoing emotional distress and reputational damage. 

I have disputed this account multiple times with TransUnion and XXXX, filed CFPB complaints, and sent XXXX an Intent to Sue letter. Despite this, XXXX continues to verify the account instead of correcting or deleting the tradeline. Their willful noncompliance has left me no choice but to pursue legal action. I will now file a lawsuit in state court and will continue to escalate through federal channels if necessary.

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 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the validity and reporting of the student loan account identified as XXXXNelnet XXXX Acct # XXXX ), which is being reported as XXXX days late on my credit report. 
This account is inaccurate and misleading for the following reasons : 1.

The school ( s ) tied to this loan have since closed. Under the Higher Education Act ( 20 U.S.C. 1087 ( c ) ), borrowers are entitled to a Closed School Discharge when they are unable to complete their program due to school closure.

2.

The institution ( s ) engaged in misrepresentation regarding job placement and career outcomes, which qualifies me for Borrower Defense to Repayment under 34 C.F.R. 685.206 ( e ).

3.

Continuing to report this loan as delinquent violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because it is inaccurate, incomplete, and misleading.

4.

I am demanding that you cease all negative reporting, provide full validation of this debt, including the original promissory note and evidence of enforceability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I feel I got tricked into my first loan with one main. I paid it down XXXX  near off and was offered another loan. I was young and didnt understand interest rates and for some reason with good credit at the time and payments in time why would I get a higher interest rate? This is loan XXXX from one main I payed that XXXX near down too and get offer another loan to help pay off the other one I was think hey ill get better interest rates and no thats not the case I feel like I havent even made a dent into this new loan and do not want to keep paying this loan. I felt pressure into signing these loans as time was limited I had to purchase some product or services from the company to even get the loan. This loan is predatory lending and legal option is my only choice going forward. I want to include dates amount but there website is not working when I sign in its a blank screen all white no options but will appear when its time for my payment but not when I just want to look whats going on? Im a single father of XXXX barley able to make this ridiculous XXXX payment every month with no hope in site!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report with EQUIFAX contains unauthorized hard inquiries, inaccurate name variations, and invalid addresses that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security card, and proof of current address to support my claim. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditor responsible for the inquiry listed below has confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. This inquiry was not authorized by me. 

Unauthorized Inquiry : XXXX XXXX - XX/XX/2023 Additionally, I have identified inaccurate personal information on my credit report, including multiple unauthorized name variations and outdated addresses, which do not belong to me. My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( proof attached ). Any other address listed on my credit report is inaccurate, no longer associated with me, and must be permanently removed from my file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that XXXX update and correct my personal information to reflect only accurate and verifiable data, as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Subject : TransUnion, Equifax, and Experian continue to inaccurately report a XXXX XXXX repossession despite multiple disputes and creditor bankruptcy I am filing this complaint against TransUnion, Equifax, and Experian for continued inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). 

On my credit reports dated XX/XX/year>, all three bureaus are reporting a derogatory account from XXXX XXXX ( Account ending in XXXX ). This account is listed as a repossession with a balance of {$0.00}. 

I have disputed this item with the bureaus multiple times, yet they have failed to provide : Proof of a signed contract or agreement showing I am legally responsible for this account. 

Complete payment history and repossession documentation. 

Proper reinvestigation results within 30 days, as required by FCRA 611. 

Despite repeated disputes, each bureau continues to verify the account without providing documentation. This is a violation of my rights under the FCRA. 

Additionally, XXXX XXXX XXXX has filed for bankruptcy and liquidated assets to pay creditors. Because of this, XXXX is no longer the rightful owner or servicer of this account. Continuing to report this account after bankruptcy is inaccurate, misleading, and unlawful. Reporting a repossession by a creditor that no longer owns or services the account violates FCRA 623 ( a ) ( 1 ) ( A ). 

This false reporting is causing me direct harm by lowering my credit scores and blocking me from obtaining credit cards and business funding.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : DIGITALFCU Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account in Dispute Account Name : XXXX XXXX Account Number : XXXX * * * * Date Opened : XX/XX/year> Balance : {$7500.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2025-09-23 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: CA

Complaint narrative:
I am personally initiating this dispute to challenge incorrect delinquency entries that have appeared on my credit file. Through my own investigation and record analysis, I have discovered these inaccurate late payment notations that require immediate correction. More than thirty days have passed since I initially contacted you about this issue, yet I have received no correspondence back and no adequate proof has been furnished to support these negative marks. I am now seeking your direct involvement to quickly and properly resolve this credit reporting error.

Company response to consumer: Closed with non-monetary relief