vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I sent your company a letter disputing the following accounts number XXXX & XXXX with XXXX & XXXX XXXX XXXX XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the items have been deleted. Please see copy of both letters enclosed. 


After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. 
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 2025-06-05 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-05 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: NY

Complaint narrative:
I previously filed a complaint against Equifax for not responding to my dispute. That was on XX/XX/year>. They responded on XX/XX/year> that the company verified the account. 

However, they verified it to Equifax but did not verify to me and on XX/XX/year> I filed an identity theft report and mailed it directly to XXXX. It has been three weeks and XXXX has not sent me the signed credit application or contract. 

I am attaching the identity theft report, uploaded to the CFPB portal. Now, since EQUIFAX will then come back with the excuse that they need copy of my license, my social security card, proof of address, I am uploading it through the CFPB portal again for the second time. And I am writing the name of the company and the account number in this section of the complaint, since their other excuse will be sending a letter asking me to list the item, because this is how they work. 

XXXX ACCOUNT NUMBER XXXX. BALANCE REPORTED {$520.00}. THIS IS NOT MY ACCOUNT. THEY VERIFIED TO EQUIFAX YET THEY DON'T VERIFY TO ME. SEE ATTACHED IDENTITY THEFT REPORT SENT TO XXXX ON XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: DC

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting Request for Deletion I am writing to formally dispute Inaccurate, Incomplete, and/or Unverifiable information on my Credit Report ( s ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

They are Violating My Rights. ( FCRA ) ( 15 U.S.C. 1681 and following ) ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ), ( 15 U.S.C. 1681E ( b ), ( 15 U.S.C. 1681-7 ) The following items are Incorrect and must be Investigated and Deleted Immediately : [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX  Both Account Balance : {$27000.00} The Late Payments and Account Names are different between ALL 3 CREDIT AGENCIES ( XXXX XXXX XXXX XXXX  ) XXXX 
7 Late Payments are 100 % Wrong ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

MY CAR WAS TOTALED LOSS BY MY INSURANCE COMPANY PROGRESSIVE. 
American Credit Acceptance was Informed XX/XX/XXXX about the Incident from XXXX. XXXX had started the payment process. 
XXXX XXXX kept Reporting Negatively on My Credit even though XXXX had already informed them the money was being Transferred over and needed to be Cleared.. 
I paid the Remaining Balance of {$6000.00} for the Car Title while they wait for the Insurance Payment.

I have the Car Title. I set-up a Payment Plan and Completed It. 
There was NEVER a REPOSSESSION or CHARGE-OFF. 

They also Reported Inaccurate False Late Payments, and False Remaining Balance. 
I also Compared the False Late Payments to My Withdrawal Bank Statements that shows the Payment Dates. Which show 7 months of Inaccurate Reporting.

I want these Accounts Deleted Immediately.

They are Duplicate accounts under different names reporting different information across All 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MA

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-05 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

The account is fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove this account immediately, and provide supporting verification if you continue to report them : 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 2025-06-05 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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 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

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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased my vehicle from a XXXX XXXX XXXX of XXXX It was abandoned by the previous owner and a mechanics lien was filed. The dealer contacted Wells Fargo to come and pay amount owed but they declined and voluntarily gave ownership to dealership. Car was then sold to me and I obtained a clean and clear title. Apparently Wells Fargo didnt file proper paperwork in their system. So I come out of my place of employment today and my car is gone. After contacting XXXX I was informed my car has been repossessed by Wells Fargo and given a number to call. After hours on the phone and ordering XXXX to get around. XXXX XXXX states they made an error on their part and I should be receiving a call sometime tomorrow. In the meantime I have to take my wife to work, and then take myself to work until I get my car back. Not only am I highly inconvenienced Im highly XXXX off about this. I have know idea where my car is or when Ill get it back and have to figure out my work schedule along with my wifes and getting our 4 kids situated because now Im down to one vehicle and have to pay extra money to my nanny to work longer hours because my wife and I are having to car pool XXXX miles a day to and from work 6 days a week!

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 2025-06-05 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: GA

Complaint narrative:
I am submitting this complaint regarding two accounts ( XXXXXXXX XXXX XXXX and XXXX ) that are inaccurately reporting derogatory or misleading payment history on my credit profile. Both accounts have been paid in full, and no balances are owed. However, the reports show incomplete or incorrect payment histories, which are unfairly impacting my creditworthiness. 

I have attempted to dispute these accounts with the credit bureaus and no adequate resolution has been provided. These tradelines appear to be outdated, unverifiable, or incorrectly reported.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 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

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am a XXXX on Title XXXX XXXX  day XXXX XXXX Orders. I sent copies of the orders to American Express in a timely manner pursuant to XXXX. Without notice, I received an email that my account was canceled. I called and was told there was no mechanism to fix this and to just apply for a new card. The issue I explained is that this impacts my credit and is protected by XXXX. They repeated that they would not assist me so I am requesting assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Santander Consumer USA for misreporting, mishandling, and falsely representing the payoff and status of my auto loan account for a XXXX XXXX XXXX. This account was tied to a retail installment contract that included an exorbitant 24.19 % APR and oppressive finance terms. 

Retail Installment Contract Terms APR : 24.19 % Finance Charge : {$25000.00} Amount Financed : {$27000.00} Total of Payments : {$53000.00} Total Sale Price ( including {$4000.00} down ) : {$57000.00} Monthly Payment : {$730.00} Payment Term : 72 months First Payment Due : XX/XX/XXXX Loan Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Last Credit Report Update : XX/XX/XXXX Pay Status Reporting : " Paid in Full / Charge-Off '' ( contradictory and misleading ) On XX/XX/XXXX, I received a letter from Santander stating the vehicle loan had been Paid in Full as of XX/XX/XXXX, and they would update their records accordingly. Despite this, they continued to report a repossession and a charged-off balance, in violation of Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ) and Truth in Lending requirements.

Furthermore, this vehicle was not repossessed it was declared a total loss due to theft, and my full coverage insurance, along with my GAP insurance provider ( XXXX XXXX, paid the loan off in full. Santander was
made whole through insurance payout but still continued to report a balance and repossession status.

Their own letter acknowledges payoff and states : " Santander Consumer USA Inc. recognizes the above-referenced account as paid in full on XX/XX/XXXX, subject to a final reconciliation and accounting. We will take the necessary steps to update our records with the payoff. Please allow up to 30 days for all updates to be reflected with the credit reporting agencies. '' etc.

This false reporting has caused : Significant damage to my credit report Loan denials for new vehicles and housing Financial instability due to wrongful account treatment I never received a certificate of title, nor was I provided proper closure documentation. Santanders failure to refund unearned GAP premiums and report correct data is deceptive and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv funding llc is charging me {$710.00} that I dont owe I tried communicating with them and I got transferred to a 3rd party who charged me {$1100.00} name XXXX XXXX

Company response to consumer: Closed with explanation