vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I disputed the three accounts on my credit from LVNV! They sent some info but nothing with my signature agreeing to any of these 3 debt accounts. 

I need them to show me a signed agreement signature from me on the 3 debt tht I suppose to owe. 

Also I would like them to send me the Purchase agreement contract Showing the creditor name, date, purchase amount & my signature agreeing to sale to this debt collection

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

Complaint narrative:
Equifax, transunion equifax failed to provide method of verification under FCRA 611 ( a ) and is retaining unverifiable inquiries in violation of FCRA 604 ( a ). XXXX XXXX is allowing unauthorized access to my consumer file without permissible purpose To Whom It May Concern, I am writing regarding your response to my dispute dated [ insert date ]. You claimed that the inquiries I disputed were a matter of fact and could not be removed. This is incorrect. 
Under 15 U.S.C. 1681b ( FCRA 604 ), no consumer reporting agency may furnish a credit report unless the creditor has a permissible purpose. You have a legal duty under FCRA 611 ( a ) to conduct a reasonable investigation and delete unverifiable 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 non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Equifax, transunion equifax failed to provide method of verification under FCRA 611 ( a ) and is retaining unverifiable inquiries in violation of FCRA 604 ( a ). XXXX XXXX is allowing unauthorized access to my consumer file without permissible purpose To Whom It May Concern, I am writing regarding your response to my dispute dated [ insert date ]. You claimed that the inquiries I disputed were a matter of fact and could not be removed. This is incorrect. 
Under 15 U.S.C. 1681b ( FCRA 604 ), no consumer reporting agency may furnish a credit report unless the creditor has a permissible purpose. You have a legal duty under FCRA 611 ( a ) to conduct a reasonable investigation and delete unverifiable 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 2025-09-09 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed 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 2025-09-09 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: NY

Complaint narrative:
In XX/XX/XXXX, I entered into a financing agreement for a XXXX XXXX XXXX XXXX via XXXX XXXX, arranged through XXXX XXXX XXXX dealership. I provided a {$5000.00} down payment and have been making monthly payments of {$1500.00}. 

Prior to finalizing the agreement, I was assured by the dealership 's representative that the interest portion of the loan would decrease over time with consistent payment, a key factor in my decision to move forward. This assurance was not made casually, but was repeated via text message, with language indicating a restructuring was underway and a revised offer would follow. That communication formed part of the trust under which the agreement was executed. 

Months later, I discovered that over $ XXXX/month was still being allocated to interest, and the principal had barely moved. I took action and formally wrote to XXXX XXXX on XX/XX/XXXX, requesting clarification and relief. They responded on XX/XX/XXXX, stating the loan was a fixed-rate simple interest loan, denying any connection to the dealerships verbal representations. 

This response confirmed that I had been induced into a loan under materially misleading circumstances, verbal misstatements by the dealership which XXXX now disavows responsibility for, despite the fact they approved the loan under those pretenses. The result is a financial product whose true cost and structure were never transparently disclosed, and whose burden continues to grow despite my consistent payments. Despite consistent payments totaling over {$20000.00}, XXXXXXXX XXXX loan structure ensured that over 65 % of my payments went to interest. Their response letter confirms this predatory model and disregards verbal misrepresentation by the dealership. 

This is not merely a complaint about poor service, this is a matter of deceptive business practices that have cost me over {$20000.00} and rising. I am requesting a full regulatory investigation into both XXXX XXXX  and XXXX XXXX  practices under the applicable consumer lending laws. 

At this point, I am seeking a fair review of this case and a resolution such as loan modification, interest rate adjustment, or compensation for misleading sales tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Despite my ongoing disputes requesting the correction of false or inaccurate information, I have noticed that inaccuracies still remain on my credit report. The issues I have highlighted in my prior dispute letters have not been properly addressed, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Specifically, your continued reporting of unverifiable or inaccurate information violates : FCRA 1681i ( a ) : Requires reinvestigation of disputed information to ensure accuracy FCRA 1681s-2 ( b ) : Mandates furnishers correct inaccurate, incomplete, or unverifiable information FCRA 1681e ( b ) : Requires maximum possible accuracy in consumer reporting FCRA 1681c-2 : Limits reporting of outdated or inaccurate information FDCPA 15 U.S.C. 16921692p : Prohibits false, misleading, or deceptive debt collection practices FCRA 1681b ( f ) : Restricts impermissible access to consumer reports Furthermore, I am aware of CFPB enforcement actions against credit reporting agencies, highlighting systemic failures to comply with federal requirements for accurate reporting and dispute resolution. The persistence of these inaccuracies on my report is unacceptable. 
As such, I demand the following immediate actions : 1. Correct any and all inaccurate, incomplete, or unverifiable information on my credit report 2. Provide written confirmation of these corrections along with a full, updated copy of my credit report 3. Ensure my rights under the FCRA, FDCPA, and related federal laws are fully protected moving forward If these demands are not met within the legally required timeframe, I will escalate this matter to the CFPB, FTC, and Office of the Attorney General for enforcement action.

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

Complaint narrative:
I am disputing this account/information because my personal data was illegally accessed during the recent TransUnion data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

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 2025-09-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5400.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$4600.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$530.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LEXISNEXIS
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX LexisNexis Risk Solutions Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information and Identity File Merge To Whom It May Concern : I am writing to formally dispute inaccurate information in my LexisNexis file and request immediate correction under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

1. Identity Merge : My LexisNexis file has been improperly merged with another individual, XXXX XXXX ( DL XXXX, XXXX ending XXXX ), despite my distinct identifiers ( XXXX XXXX, DL XXXX, State ID XXXX ). This merge has caused inaccurate reporting and improper associations with credit and insurance inquiries at an address that is not mine. 

2. Incorrect Reporting of Court Cases : The following cases are inaccurately reported in my file : Case # XXXX ( Theft ) XXXX  completed and fees XXXX in XXXX Case # XXXX ( XXXX  ) XXXX  completed and fees paid in XXXX Case XXXX XXXX ( XXXX  ) XXXX  completed and fees paid in XXXX Case # XXXX ( XXXX XXXX XXXX completed and fees paid in XXXX Despite completion, I was forced to repay these fees in XXXX under threat of legal action, constituting coercive and inaccurate reporting. 

3. Mixed SSN Reporting : My file incorrectly includes SSN XXXX ( belonging to another individual ) in addition to my correct SSN XXXX. 

Legal Basis for Dispute : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i : Failure to properly reinvestigate after previous disputes FCRA 1681c : Reporting obsolete or resolved court cases FDCPA 1692e, 1692f : Attempted collection of fees already paid and threat of jail Dodd-Frank / CFPB UDAAP : Unfair, deceptive, or abusive reporting and collection practices Request for Correction : I request LexisNexis to : 1. Separate my file from XXXX XXXX records. 
2. Correct all court case information to reflect XXXX completion and payment. 
3. Remove any references to SSN XXXX and retain only my correct SSN XXXX. 
4. Correct any credit or insurance inquiries linked to XXXX XXXX or other incorrect addresses. 
5. Provide written confirmation once corrections are completed. 

Supporting Documents Included : Drivers license and state ID Proof of address ( utility/bank statement ) Court or payment documents confirming XXXX  completion Please conduct a full reinvestigation and provide a written response within 30 days, as required under FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Re : Formal Dispute and Demand for Removal of Unauthorized/Inaccurate Credit Inquiries To Whom It May Concern : This letter serves as my formal dispute and demand for immediate correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681i, 1681n, and 1681o.

Upon review of my TransUnion credit file, I have identified multiple improper and unauthorized hard inquiries. These inquiries were made without my knowledge, consent, or permissible purpose, and therefore violate federal law. 

Inquiries in Dispute : XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have never authorized these companies to access my consumer credit file. I have no active applications, no open accounts, and no business relationship with several of them. As such, these inquiries are illegally placed and damaging to my credit profile.

My Demands : 1. Immediate deletion of all inquiries listed above from my TransUnion credit report.

2. Written confirmation of deletion within 30 days, as required by FCRA 611 ( 15 U.S.C. 1681i ).

3. If any creditor claims a permissible purpose, provide me with documented proof of my written authorization bearing my signature. Failure to produce such proof will confirm the inquiries are unlawful. 

Notice of Intent : Be advised that failure to fully comply with this demand will result in : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Consideration of a civil lawsuit for damages under FCRA 616617, which provide for actual, statutory, and punitive damages, as well as recovery of attorneys fees.

This is not a request it is a formal demand for compliance with federal law. These unauthorized inquiries are a clear violation of my consumer rights and must be corrected immediately. 

I expect full deletion and confirmation no later than 30 days from receipt of this letter. 

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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On on XX/XX/XXXX, I reported to XXXX XXXX XXXX that I was having issues with the account because the account was already closed. I only receive communications to make a payment for the monthly fee never showing that I was late or had a balance. I thought the email communication from them was a mistake because I had already closed the account and the balance that was showing due on each of the emails was only {$8.00} which would be the normal amount I would pay if the account was open. I was lied to by the representative who closed my account who stated they would waive the fee and close my account. I was then informed by a supervisor at the company that they would help me waive these late fees as well and also open an investigation and in addition to remove the latest off my credit report. as of now my credit has been affected and my current score is a XXXX not only from me closing the account after being exhausted of six years of fees, but in addition, the company vengefully tacking on late fees and assessing fee fees on an initial fee that they stated they would waive. My credit has gone from excellent to fair. I believe I can also open a complaint for false advertisement as they stated this would help boost my credit however XXXX XXXX XXXX  has destroyed my credit.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On on XX/XX/XXXX, I reported to credit XXXX bank that I was having issues with the account because the account was already closed. I only receive communications to make a payment for the monthly fee never showing that I was late or had a balance. I thought the email communication from them was a mistake because I had already closed the account and the balance that was showing due on each of the emails was only {$8.00} which would be the normal amount I would pay if the account was open. I was lied to by the representative who closed my account who stated they would waive the fee and close my account. I was then informed by a supervisor at the company that they would help me waive these late fees as well and also open an investigation and in addition to remove the latest off my credit report. as of now my credit has been affected and my current score is a XXXX not only from me closing the account after being exhausted of XXXX years of fees, but in addition, the company vengefully tacking on late fees and assessing fee fees on an initial fee that they stated they would waive. My credit has gone from excellent to fair. I believe I can also open a complaint for false advertisement as they stated this would help boost my credit however XXXX XXXX XXXX  has destroyed my credit.

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

Complaint narrative:
I am filing this complaint to report multiple inaccurate and misleading entries on my credit report, which are negatively affecting my creditworthiness. Despite my good-faith efforts to maintain my financial standing, I have identified several issues : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation