vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: WI

Complaint narrative:
I am filing this complaint against Experian and Transunion for a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

On or around XX/XX/year>, two negative accounts were removed from my Experian credit report as a result of a dispute : XXXX XXXX XXXX XXXX XXXX These accounts were previously deleted, indicating either Experian and Transunion could not verify them or they were found to be inaccurate. However, in XX/XX/year>, these same accounts were reinserted into my credit file without providing the legally required written notice within five ( 5 ) business days, as required under FCRA 611 ( a ) ( 5 ) ( B ).

This law requires that when an item is reinserted into a consumers report : The consumer must be notified in writing within 5 business days, The notice must include the name and contact information of the data furnisher who reinserted the item. 



Experian and Transunion failed to notify me, and I was not given any information about the source or reason for the reinsertion. This caused harm to my credit standing and financial well-being, and it represents a blatant violation of federal consumer protection law. 



I am requesting : An immediate investigation into Experians and Transunion 's handling of these reinsertion events, Removal of both the Santander and Capital XXXX entries until proper reinsertion protocol is followed, Confirmation that Experian will comply with FCRA reinsertion requirements going forward. 


Thank you for your time and for protecting consumers like myself from unlawful credit reporting practices. 



Sincerely, 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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am writing to file a formal consumer complaint regarding a deceptive auto financing experience involving Santander Consumer USA and the former XXXX XXXX XXXX operating as XXXX XXXX XXXX, SC. I am submitting this complaint on behalf of myself, and my mother. 

In XX/XX/XXXX, I visited the dealership with my mother to co-sign for her vehicle. Instead, I was listed as the sole borrower on a loan with a XXXX  % APR and inflated fees, without my informed consent. The contract falsely listed the dealership address as XXXX XXXX XXXX XXXX XXXX instead of the correct location at XXXX XXXX XXXX XXXX XXXX. 

After raising concerns, my mother was placed in a second Santander loan for another vehicle under similar abusive termsover $ XXXX for XXXX  months. These actions amount to deceptive, abusive, and potentially fraudulent practices. 

Despite having possession of the contract documents since the time of purchase, we did not become aware of the discrepancies and issues contained therein until XXXX of XXXX. It was only upon a thorough review at that time that we discovered critical problems, including the incorrect designation of the borrower instead of a co-signer, mismatched addresses on the contracts, Both contracts were handled by the same salesman and submitted to the same lender, Santander Consumer USA, yet they reflect XXXX different business addresses for the dealership and the failure to properly apply the trade-in vehicle toward the purchase. These oversights were not apparent earlier and have significantly impacted our ability to resolve the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Someone stole my identity and open a Macy 's credit card in my name.

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 2025-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
The bank claims they can't find checks I sent them that they endorsed. The bank then claims I owe them for the checks they endorsed. I asked them for a history of payments I sent them and got no resolution.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am disputing the accuracy and reporting of a charged-off account with Regional Acceptance Corporation ( Account # XXXX, formerly # XXXX ), which is negatively affecting my credit file. 

On XX/XX/XXXX, I entered into a Retail Installment Sale Contract to finance a XXXX XXXX XXXX. In XXXX, the vehicle was deemed a total loss. An insurance payment of {$13000.00} was applied to the account in XX/XX/XXXX. A GAP claim payment of {$760.00} was later applied in XX/XX/XXXX. Despite these third-party payments, Regional applied only partial credit and reported a remaining balance of {$4300.00}, which they subsequently charged off on XX/XX/XXXX, and furnished to credit reporting agencies. 

I requested an explanation and supporting documents to validate the balance. Regional responded but did not provide a complete breakdown of the remaining debt or clarify whether all applicable credits, unearned interest, or insurance-related reimbursements were properly applied. 

I am disputing the remaining balance as inaccurate and requesting a full investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The reporting of a charge-off is misleading given the nature of the loss and payments received, and I request that Regional either validate the balance in detail or correct/delete any inaccurate information from my credit 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is refusing to investigate my dispute regarding inaccurate information on my credit file. I submitted documents to verify my identity and address, but they returned a generic letter claiming they were illegible or didnt match without any specific explanation. This delays my dispute unfairly and violates my rights under the FCRA to a timely investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX * * * * Date XXXX Balance : {$12000.00} ; XXXX XXXX XXXX * * * * Date 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 2025-06-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
There is an account with midland credit management that does not belong to me there is no proof that it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I am writing in response to a credit report that I recently received, which suggests that I owe you some amount.

However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer.

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

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 2025-06-25 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: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
I did a dispute with experian credit reporting agency for petal credit card. Experian did not investigate and did not correct credit report. Experian keep reporting I am over the credit limit with petal. That is not true my balance went down in XX/XX/year> when I paid my balance off at the time. Experian last communication with me was that it was still over the limit on XX/XX/year>. I attempted to contact experian cant get through hangs up on me. I called XXXX XXXX XXXX to correct never heard back from them

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 2025-06-25 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Hotel sent me a link to make a booking with is a-third party merchant, XX/XX/year>. In the website indicated the price per night was aprox. {$920.00}. I wanted to book, XXXX nights for the total of {$2100.00} with breakfast included .After made reservation, they was charged {$5700.00}. I contacted hotel inmediatley, that was charged another amount that App was shown. The hotel informed that he made the purchase through a third party and they couldnt help us. I doing a claim with my bank on the same day, also. The next day cancel the reservation through the website. We cant access to anybody through the website. My bank dont doing any contact with me until XX/XX/year>, refusing the claim because the reservation has a cancellation policy. The issue is the price was different as shown previous to purchase. The link did not provide clear information of charge before customer pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
During XXXX I was relocate for work according to government guidelinXXXX XXXX XXXX XXXX  said I allegedly owed them even though the government said it was legal due to guidelines at the time. 
A company call IQ Data International bough the depth. They have added illegal fees and charge monthly interested to the account, with accurate documentation when ask multiple times. The original depth was {$3100.00} it is now up to {$4500.00} and goes up monthly due to illegal fees and interest.

This company is known for the illegal action to bully / intimidate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I have recently discovered that I've been a victim of identity theft. There are accounts on my report that I did not open, and I am not responsible for them. They contain wrong dates, amounts, and account numbers. According to the Fair Credit Act, any invalid information should be removed by law, and I demand that these accounts be removed.

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 2025-06-25 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: TrueAccord Corp.
State: FL

Complaint narrative:
I have recently checked my credit report and have noticed there are some inconsistencies primarily with the incorrect credit accounts. Please remove promptly

Company response to consumer: Closed with explanation