vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the reporting practices related to a XXXX XXXX XXXX loan account ( originally opened on XX/XX/XXXX and closed on XX/XX/XXXX ). Despite this account being closed for over XXXX years, it continues to reflect updated derogatory activity as recently as XX/XX/XXXX well after the account was no longer active. 

The payment history shows delinquencies reported throughout the first half of XXXX, which is misleading and damaging. This account has not had any legitimate activity since it was closed in XXXX, yet the creditors ongoing updates make it appear as if the account is recently delinquent. 

As a result, I have been repeatedly denied housing by landlords and apartment communities who rely on this information to assess financial responsibility. This inaccurate reporting is causing severe and ongoing harm to my ability to secure safe housing for myself and my child. 

I respectfully request that the tradeline be either : Updated to reflect the true date of last activity and closure ( XX/XX/XXXX ) with no derogatory marks after that date ; or Deleted entirely, as continued reporting of post-closure delinquencies appears to violate fair reporting standards under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this matter and ask for a full reinvestigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account : XXXX XXXX. 

- Company did not provided any information on method of verification used on their investigation. As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Also comapany does not make the dispute process easy for consumers.

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 2025-06-20 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: AZ

Complaint narrative:
Complaint for Submission to the CFPB Your Information : Name : XXXX XXXX Email : XXXX Date : XX/XX/year> Complaint Against : American Express XXXX : Unjustified Credit Card Account Closures and XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the actions of American Express, which I believe are unfair, arbitrary, and lacking transparency. 

Recently, all of my American Express credit card accounts were abruptly closed by the issuer without any prior notice or explanation. This action was taken despite the fact that I have consistently used my cards responsiblymaking all payments on time and maintaining a good standing with the company throughout my tenure as a cardholder. 

Among the accounts that were closed are : American Express XXXX ending in XXXX American Express XXXX ending in XXXX American Express XXXX ending in XXXX American Express XXXX ending in XXXX American Express XXXX ending in XXXX American Express XXXX ending in XXXX American Express XXXX ending in XXXX American Express XXXX ending in XXXX Alongside the account closures, American Express also forfeited all of my accumulated Membership Rewards points. These points were earned through legitimate and routine use of the cards and represent significant financial value to me. The company has offered no written explanation or communication regarding these decisions, even after I attempted to seek clarification. 

I believe this conduct is not only unprofessional but potentially in violation of fair credit and consumer protection practices. I am requesting the CFPB to investigate this matter and urge American Express to : Provide a written explanation for the account closures, Reconsider reinstating my accounts, and Restore the forfeited rewards points or provide an appropriate resolution. 

I appreciate your assistance in helping ensure fair treatment for consumers like myself. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX have agreed to accept this timeshare back to satisfy the debt. 
I have attached the paperwork below XXXX XXXX XXXX was included in the timeshare as ( XXXX XXXX XXXX  ) this creditor is fraudulently on my credit report. 

XXXX XXXX XXXX sold the debt to XXXXXXXX XXXX XXXX which now has a {$0.00} balance. By law when a creditor sells a debt, the original creditor legally can not still damage a consumers credit. 

This will be my final peaceful attempt to resolve this. 
If this is not resolved in 30 days, I will be hiring a lawyer to sue for damages, remedy, and emotional distress. 

This is the final warning Please find all attached corresponding paperwork

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 2025-06-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX have agreed to accept this timeshare back to satisfy the debt. 
I have attached the paperwork below XXXX XXXX XXXX was included in the timeshare as ( XXXX XXXX XXXX  ) this creditor is fraudulently on my credit report. 

XXXX XXXX XXXX sold the debt to XXXXXXXX XXXX XXXX which now has a {$0.00} balance. By law when a creditor sells a debt, the original creditor legally can not still damage a consumers credit. 

This will be my final peaceful attempt to resolve this. 
If this is not resolved in 30 days, I will be hiring a lawyer to sue for damages, remedy, and emotional distress. 

This is the final warning Please find all attached corresponding paperwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank allowed an account to be skimmed for a minimum of 6 months without informing account owner of the increased activity after a long period of minimal activity. Huntington Bank has denied the dispute of charges and is also closing all accounts against the wishes of the owners. They allowed the life savings of an elderly woman to be stolen and are now treating her as if she were a criminalm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was a XXXX  of XXXX  XXXX. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year> 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 2025-06-20 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: PA

Complaint narrative:
Equifax, STOP LYING!!! XXXX XXXX, STOP LYING!!! YOU ARE ILLEGALLY LYING AND FAILING TO VERIFY. To I am filing a formal complaint against Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for reporting a debt that has already been paid in full and for falsely verifying inaccurate information despite my repeated disputes. 

The debt in question originated with XXXX XXXX and was enrolled in a legally binding agreement with XXXX XXXX XXXX, under which it was negotiated, settled, and marked as satisfied. Per my contract with XXXX XXXX XXXX, this XXXX XXXX  account was to be resolved and REMOVED FROM MY CREDIT REPORT ON EQUIFAX. 

XXXX XXXX XXXX is now falsely reporting this paid debt as an open collection, and Equifax is COMPLICIT IN THIS FRAUD by continuously stating the debt has been verified, without providing proof, documentation, or legitimate investigation. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable data can be reported. 

Legal Violations and Pattern of Abuse Equifax is violating FCRA 611 ( 15 U.S.C. 1681i ) by failing to conduct a reasonable investigation into the dispute and by falsely verifying a debt that is not legally valid. 

XXXX XXXX XXXX has a notorious history of fraudulent and abusive collection tactics, including multiple federal fines and legal actions for violating consumer protection laws. Their misconduct is well-documented across consumer reports and legal databases. 

The original debt was with XXXX XXXX, not XXXX. I never entered into any contract or agreement with XXXX. Their attempt to collect or report the debt as active is deceptive, inaccurate, and predatory. 

Equifax is knowingly publishing false information, even after being presented with proof that the debt was resolved under XXXX XXXX XXXX. Their actions constitute willful negligence and legal noncompliance. 

XXXX Requested I demand the immediate deletion of the XXXX XXXX XXXX account from my Equifax credit report. This debt has been legally settled and must not be reported in any form. 

I further request that the CFPB investigate Equifax for continuing to verify clearly invalid information, and XXXX XXXX for their ongoing deceptive practices and abuse of the credit reporting system. 

Attached is ( or will be provided ) supporting documentation including my contract with XXXX XXXX XXXX, and confirmation that this XXXX XXXX account was resolved and included in the agreement. According to XXXX XXXX XXXX, XXXX XXXX XXXX was obligated to ensure the deletion of this debt. 

Both Equifax and XXXX are knowingly violating federal law, causing financial harm and distress through fraudulent reporting and illegal debt collection behavior. These actions must be fully investigated and sanctioned. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-20 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: FL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9300.00}

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 2025-06-20 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:
I am asking for your help to investigate these accounts from companies that are inaccurately reporting late payments. After reviewing my credit report, I found that certain accounts show late payments which are incorrect. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show positive status as agreed.

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 2025-06-20 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: NC

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute through XXXX regarding a XXXX XXXX account that is being reported inconsistently across the three major credit bureaus. The dispute was sent to Experian, Equifax, and TransUnion via the CFPB portal. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), these agencies are required to complete an investigation and provide a response within 30 days. It is now XX/XX/year>, and I have received no communication, no investigation results, or any verification of the account. This is a violation of the FCRA. I am not re-disputing the account I am reporting that these credit bureaus failed to respond at all, and I am requesting that the CFPB take action and recommend deletion of the account due to noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute through XXXX regarding a XXXX XXXX account that is being reported inconsistently across the three major credit bureaus. The dispute was sent to Experian, Equifax, and TransUnion via the CFPB portal. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), these agencies are required to complete an investigation and provide a response within 30 days. It is now XX/XX/year>, and I have received no communication, no investigation results, or any verification of the account. This is a violation of the FCRA. I am not re-disputing the account I am reporting that these credit bureaus failed to respond at all, and I am requesting that the CFPB take action and recommend deletion of the account due to noncompliance.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
In XXXX, while I was married, a credit account was opened in my name without my knowledge or consent. I did not apply for this account or authorize anyone else to open it. The account was opened on XX/XX/year>, and I only became aware of it after receiving a notice stating that a balance was due and payment was expected by a certain date. This is what alerted me that something was wrongit was not yet a collection letter, but a billing warning. 

When I reviewed my credit report, I discovered multiple hard inquiries and this unauthorized account. I filed a dispute with the credit bureaus, but it has not been resolved. The account and inquiries are still on my report, negatively affecting my XXXX XXXX. 

This fraudulent activity is part of a much larger pattern of financial abuse and identity misuse by my ex spouse. Over time, she repeatedly accessed my bank accounts without permission, made unauthorized purchases, and transferred money to herself. She also deposited a check she had previously borrowed from me, canceled it, endorsed it with her own name, and collected the fundstwice. 

Based on my private notes, the full scope includes : Unauthorized purchases from my first bank account, including XXXX, XXXX, and phone bills totaling over {$300.00} Theft of {$2000.00} in cash from my personal backpack Continued fraud after I opened a second account, including misuse of checks and online banking A total of over {$1200.00} stolen from my second account through unauthorized transfers and purchases Finally, after opening a third bank account in secret to protect my money, she somehow gained access, obtained a debit card, and made over {$1100.00} in purchases This is only a partial list of incidents. I have documentation and personal records, and I intend to provide full details and file additional reports when I am able to. I am currently working over the road full-time, which limits my availability, but I am taking all steps I can to protect myself. 

I am requesting that this unauthorized account and all related inquiries be removed from my credit report. This is a clear case of identity theft and repeated financial fraud. 

The billing address associated with this account is the address I shared with my ex spouse at the time the account was opened. I do not currently have control over or access to this address. I request that no mail or notices be sent to that address.

Company response to consumer: Closed with explanation