vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Been trying to get XXXX XXXX  to remove this account for years send in all required paperwork. This account wasnt open by me. {$64000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXXXXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Key XXXX XXXX XXXX regarding the unlawful reporting and collection attempts concerning an alleged debt. 

Account Information : Debt Collector : XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX Account Number : # XXXX Balance : {$2200.00} Violations : FDCPA 805 ( c ) : Failure to cease communication after a written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX  XXXX XXXX is reporting a collection account without providing proper validation, including a signed agreement or a full account statement from the original creditor. I have made written requests for verification, which have been ignored, and they continue to report this debt to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXXXXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Key XXXX XXXX XXXX regarding the unlawful reporting and collection attempts concerning an alleged debt. 

Account Information : Debt Collector : XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX Account Number : # XXXX Balance : {$2200.00} Violations : FDCPA 805 ( c ) : Failure to cease communication after a written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX  XXXX XXXX is reporting a collection account without providing proper validation, including a signed agreement or a full account statement from the original creditor. I have made written requests for verification, which have been ignored, and they continue to report this debt to credit bureaus.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to the information concerning the individual about whom the report relate according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of accurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 1s-2 they are supposed to not furnish any information related to a consumer to any reporting agency if the person knows or ha reasonable cause to believe the information is inaccurate

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 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a refrigerator, washer and dryer from XXXX  appliances. I received a scratch and dent refrigerator refused it at delivery because I purchased a brand new refrigerator had to return the washer and dryer due to a construction issue of the laundry room not being properly installed and the delivery driver could not hook up the washing machine because they said that they can not accept responsibility for cutting or opening the drain pipe for the installation and the contractor said that it was on the delivery driver or the merchant to make necessary adjustments to hook up the washer and dryer. So the items was returned pending re delivery at a later date because I was already having other issues with the building contractor regarding my home. XXXX gave me {$100.00} courtesy credit for having to return the refrigerator and it was pending re delivery of my new one damage free when I got the washer and dryer outlet hooked up or resolved by the building contractor but in the meantime XXXX had filed bankruptcy unexpectedly. I was advised they had stopped all returns delivery shipping etc. I went in to the local store multiple times checking on the order and delivery status and the store manager and assistant school manager said that they hate to inform me but they couldn't do anything with the shipment because of the bankruptcy and so they said that they could refund the warranties that I bought on the items because that was from a separate entity or merchant. They said everything was in control of the liquidators and bankruptcy court. So the merchant ended up closing the doors closing down completely without ever resolving my issue I immediately kept in contact with the credit card company throughout the going out of business and me being in contact with the merchant and the credit card company still is wanting me to pay for merchandise that I did not receive. I have even been in touch with XXXX whom advised me to dispute the charges Because everything is still in bankruptcy court and all the stores are closed down so if I did not receive my merchandise there's no way to receive it now the credit card company Synchrony Bank is still trying to collect on merchandise I never received. I had it escalated to Synchrony Banks corporate office they made some adjustments and modifications without explanation on my account with a remaining balance of {$1400.00} I don't know how or where that charge is still existing from when merchandise was never received

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, CA, 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 2025-04-01 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: DISCOVER BANK
State: NJ

Complaint narrative:
In regards to Discover bank account that was paid in full by garnishment- I am writing to formally demand the immediate removal of an obsolete account that remains on my XXXX credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ). This account has already been removed by XXXX and XXXX due to its age, yet XXXX has failed to take corrective action. 605 ( a ) : Reporting an obsolete account beyond the legal XXXX limit. 
FCRA 616 : Willful noncompliance if XXXX continues to knowingly report this inaccurate information. 
FCRA 617 : Negligent noncompliance by failing to investigate and correct this error after my dispute. 
Final Demand for Resolution : I demand that this account be permanently deleted from my credit report within 15 days of receiving this letter.

If no action is taken, I will pursue statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees as permitted under the FCRA. 
Attached is the removal from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Byrider Finance, LLC d/b/a CNAC Finance and JD Byrider for their ongoing unfair, deceptive, and obstructive practices related to my financed vehicle. 

In XX/XX/year>, I submitted a state change request to CNAC Finance, and the required documentation was also submitted to them directly by the DMV. Despite fulfilling all requirements and following up numerous times, CNAC Finance has failed to provide the title and a necessary letter to my states DMV confirming that the vehicle title is being held due to a remaining balance. This information equested is required to legally register my car in my new state. 

In addition, although I have continued to make payments on this vehicle, CNAC Finance has marked my account as being in collections and has used the XXXX XXXX by XXXX system installed in the car to remotely disable the vehicle, making it impossible for me to operate or even have the car serviced for maintenance. A certified mechanic has confirmed that the car has been deactivated remotely, yet CNAC Finance and JD Byrider have refused to take responsibility or provide consistent answers when contacted. 

This situation has caused extreme hardship, particularly because I have remained in good faith by continuing to pay on the loan and by complying with all requests from the DMV and CNAC Finance. 

I respectfully request the CFPB to investigate the following : CNAC Finance 's refusal to provide the required title and hold letter for DMV registration. 

The legality and ethics of CNAC Finance using remote disablement tools while still accepting payments. 

Whether CNAC Finance and JD Byrider are engaging in deceptive or abusive practices by failing to clearly disclose or respond regarding the use of remote disablement tools. 

This matter is urgent and affecting my ability to comply with state registration laws. I am requesting enforcement and accountability to prevent further consumer harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
The account shows a positive payment history for multiple years then a sudden in accurate XXXX  day late payment in XXXX. This mistake in reporting has caused severe damage to my credit report. The account needs to be updated to " Pays as agreed Never Late ''

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 2025-04-01 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: FL

Complaint narrative:
The account shows a positive payment history for multiple years then a sudden in accurate XXXX  day late payment in XXXX. This mistake in reporting has caused severe damage to my credit report. The account needs to be updated to " Pays as agreed Never Late ''

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 2025-04-01 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: PA

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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$310.00} XXXX XXXX XXXX XXXX BALANCED {$30.00} These accounts has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have XXXX chargeoffs for cc XXXX  and capital one, did 4 months with a third party company to help remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I believe the account is invalid. COLLECTION MANAGEMENT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.COLLECTION MANAGEMENT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
XXXX XX/XX/XXXXXXXX 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The three major credit bureaus XXXX, XXXX, and TransUnion XX/XX/year> I report inaccurate information and false information on my credit report companies I did not give permission to run my credit report.

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax, XXXX and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. XXXX XXXX XXXX

Company response to consumer: Closed with explanation