vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
This letter is a formal request for reinvestigation of several inaccurate items on my Experian credit file. These accounts contain errors and inconsistencies that violate FCRA 1681e ( b ) and 1681i. 
Below are the disputed accounts : XXXX. XXXX  XXXX Account Ending XXXX Experian reports XXXX codes after charge-off. 
Dispute Reason : A charge-off is a terminal status. New delinquency codes after charge-off are inaccurate and misleading. 
XXXX. XXXX XXXX XXXX XXXX Account Ending XXXX Reported as charge-off with inconsistent month-by-month coding vs. XXXX. 
Dispute Reason : Reporting does not match other bureaus, violating maximum accuracy standards. 
XXXXXXXX XXXX XXXX XXXX Closed Account Reporting XXXX  Days Late Closed/paid accounts can not report new delinquencies. 
Dispute Reason : Inaccurate and incomplete reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  shows the account as current, Experian shows XXXX. 
Dispute Reason : Cross-bureau inconsistency indicates potential inaccuracy. 
XXXX. XXXX  Student Loans ( XXXX ) Historical late payments despite current deferment.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filled out and mailed a paper request for my credit report to XXXXXXXX XXXX XXXX XXXX XXXX in XXXX. All XXXX credit reporting agencies were selected. Only XXXX XXXX XXXX mailed me my credit report. This is XXXX years in a row now. 

XXXX request sent XX/XX/XXXX. Report from XXXX  was received on XX/XX/XXXX. Report from XXXX was received on XX/XX/XXXX. Equifax never asked for additional information or sent me my report. 

XXXX request sent XX/XX/XXXX. Report from XXXX  was received on XX/XX/XXXX. Report from XXXX  was received on XX/XX/XXXX. Equifax never asked for additional information or sent me my report. 

The form was obviously completely and clearly filled out as the other XXXX credit reporting agencies had no problem fulfilling their obligation. Equifax seems to have some problem with credit reports through this channel now, and does not even reply about needing additional information. They previously honored my request and sent me my credit report in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc.
State: NY

Complaint narrative:
I Purchased a XXXX XXXX  XXXX from XXXX XXXX XXXX XXXX and i was charge the wrong amount for the purchase the transaction was {$550.00} and they charged me on my wisely debit card {$690.00} please help me with this problem i was charge the wrong amount for the transaction the same date XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-28 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:
Loss of financial opportunities Emotional stress and inconvenience I am requesting the FTC document this complaint and provide guidance to the involved companies if appropriate. 
Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Accounts I disputed multiple times and the keep saying is verified when it is not and they have not provided me with proof XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment reporting by Santander Consumer USA on my XXXX  credit report. These inaccuracies are significantly harming my credit profile and do not align with the actual payment history on my account. 
My contractual payment due date is the XXXX of each month. Under the Fair Credit Reporting Act ( FCRA ), a payment can not be reported as XXXX  days late unless it is made XXXX or more days after the contractual due date. Santander is using internal promise-to-pay dates rather than contractual due dates, resulting in false late payment reporting. 
Specific inaccuracies include : XX/XX/year> : XXXX  shows a payment of {$0.00} on XX/XX/year>, which is before the XXXX due date. This can not be reported as a XXXX  day late. 
XX/XX/year> : XXXX  reported a XXXX  day late even though no full billing cycle passed and the next payment posted before becoming XXXX  days delinquent. 
XX/XX/year> : A payment was made to cover the remainder of XXXX, making the reported XXXX  day late inaccurate. A XX/XX/year> : XXXX  shows a payment of {$740.00} on XXXX the due date of XX/XX/XXXX yet XXXX  reported a XXXX  day late. 
Deferment Issue : I was granted a deferment for XXXX and XXXX due to a medical emergency after paying the remaining balance for the month of XXXX of {$180.00}. I was explicitly told by XXXX  that that no late payments would be reported during the deferment period. XXXX XXXX as a XXXX  day late during a valid deferment violates FCRA and industry reporting guidelines. Deferred months must report as current or no data, never late. 
Requested Action : I request that all inaccurate late payment entries for XXXX, XXXX, XXXX, and XX/XX/year> be corrected or deleted. I also request correction of reporting for the deferment months of XXXX and XXXX, as there was a payment of {$180.00} made on XX/XX/XXXX for the remaining amount due for the month of XXXX and deferment was granted. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Company : Credit Collection Services ( XXXX  ) Original Creditor : XXXX  Amount : {$130.00} Reporting : XXXX XXXX XXXX  To Whom It May Concern, I am submitting this complaint against Credit Collection Services ( XXXX  ) for reporting a {$130.00} XXXX  collection that is inaccurate, unverifiable, and unvalidated.

XXXX  has failed to comply with basic federal requirements.

VIOLATIONS FDCPA 15 U.S.C. 1692g I have repeatedly requested : Complete payment history Original contract or agreement with my signature Full breakdown of charges Insurance claim documentation Chain of title Proof XXXX  owns or collects this debt XXXX  provided nothing, which is a direct violation. 



FDCPA 15 U.S.C. 1692cc XXXX  continues reporting and attempting to collect this unvalidated debt, which is unlawful.

FCRA 15 U.S.C. 1681e ( b ) Across all bureaus, XXXX  is reporting : Different dates Different details Inconsistent coding This violates the requirement of maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted, yet XXXX  keeps reporting the account.

FCRA 15 U.S.C. 1681b & 1681q I never gave any written consent for XXXX  or XXXX  to pull, use, or furnish my personal information.

Anything they obtained was without permissible purpose. 



REQUEST TO CFPB I request that the bureau compel XXXX  to produce : XXXX. The full validation package XXXX. My signed contract XXXX. Full payment history XXXX. Insurance documentation XXXX. Chain of title XXXX. Proof XXXX  legally owns or collects the debt If not, the account must be deleted permanently from all bureaus. 



Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-28 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting an account to the credit bureaus that I am not legally responsible for and could not have opened, authorized, or used. During the period this alleged account originated and was supposedly active, I was incarcerated under the Department XXXX XXXX and not physically capable of engaging in any credit activity. Under XXXX  law, a furnisher must have a factual basis and documentary evidence before reporting a debt as mine, especially when there is a clear impossibility of consumer participation. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

I disputed this account and specifically requested full documentary validation : the original signed contract, itemized account history, the complete chain of assignment, and proof of my legal responsibility. None of this was provided. Instead, the furnisher and credit bureaus relied on automated verification through the XXXX system without ever reviewing real documents, which courts have held is not a reasonable reinvestigation. See XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

XXXX XXXX XXXX continued reporting without producing a contract, billing statements, or assignment documentation shows willful and negligent noncompliance with the Fair Credit Reporting Act. Furnishers are prohibited from continuing to report disputed information they can not substantiate. See XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ). They have provided XXXX evidence that I ever had a contractual relationship with the original creditor or any successor. 

This alleged debt is also assigned to another party under a court-issued divorce order, meaning I am not the legally obligated party even outside my XXXX custody status. Reporting a debt that is not mine and refusing to provide documentation after request is false furnishing under FCRA 602 ( a ) and 623 ( a ) ( 1 ) ( A ). 

I am disputing this through CFPB because the prior dispute was processed through automated bureau systems instead of a real investigation. No documents were reviewed, no contract was produced, and no evidence was shown that the account belongs to me. This furnisher is reporting impossible, unverified, and legally unsupported information, and it is causing significant credit damage.

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 2025-11-28 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:
XXXX XXXX XXXX is reporting an account to the credit bureaus that I am not legally responsible for and could not have opened, authorized, or used. During the period this alleged account originated and was supposedly active, I was incarcerated under the Department XXXX XXXX and not physically capable of engaging in any credit activity. Under XXXX  law, a furnisher must have a factual basis and documentary evidence before reporting a debt as mine, especially when there is a clear impossibility of consumer participation. See XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

I disputed this account and specifically requested full documentary validation : the original signed contract, itemized account history, the complete chain of assignment, and proof of my legal responsibility. None of this was provided. Instead, the furnisher and credit bureaus relied on automated verification through the XXXX system without ever reviewing real documents, which courts have held is not a reasonable reinvestigation. See XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

XXXX XXXX XXXX continued reporting without producing a contract, billing statements, or assignment documentation shows willful and negligent noncompliance with the Fair Credit Reporting Act. Furnishers are prohibited from continuing to report disputed information they can not substantiate. See XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ). They have provided XXXX evidence that I ever had a contractual relationship with the original creditor or any successor. 

This alleged debt is also assigned to another party under a court-issued divorce order, meaning I am not the legally obligated party even outside my XXXX custody status. Reporting a debt that is not mine and refusing to provide documentation after request is false furnishing under FCRA 602 ( a ) and 623 ( a ) ( 1 ) ( A ). 

I am disputing this through CFPB because the prior dispute was processed through automated bureau systems instead of a real investigation. No documents were reviewed, no contract was produced, and no evidence was shown that the account belongs to me. This furnisher is reporting impossible, unverified, and legally unsupported information, and it is causing significant credit damage.

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 2025-11-28 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
hello you ran my credit doing a soft credit check and i still did not get approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Attached is an affidavit of truth and a debt validation letter for XXXX, XXXX, XXXX, Goldman Sachs bank Apple Card and XXXX XXXX XXXX. All accounts must be block and delete!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: TN

Complaint narrative:
We have repeatedly asked the company to produce the entire contract that was signed when we bought the vehicle in XX/XX/XXXX. The first month, XX/XX/XXXX, we had a late fee. Since then we have had XXXX late fees added to the account. We not been late on any payments. XXXX credit bureau, all XXXX of them are showing we are current but we still have a " late charge '' they ask every time we make a payment. We were just charged another " late fee '' today as we were told we were late again. Our payment is due on the XXXX of every month and today is the XXXX. According to the contract that we signed we are not considered late until XXXX  days but they keep telling us that it is wrong and we are late on XXXX days. We have asked for documentation on this and they will not send it. Another issue with this company is that after XXXX  years and XXXX  months we still owe {$30000.00} when the original amount was {$31000.00}. I don't think they are properly applying interest / principal ratio. I have asked for them to explain this portion now after today XXXX  times since XX/XX/XXXX to get a detailed answer and I keep getting shoved to another rep not XXXX to explain this. I have had XXXX letters sent to the company in writing asking for the things above and no response has been received. I think they are corrupt and taking advantage of people that don't pay auto pay- which I am not on just for this reason alone. I need help here as I do not know what to do at this point. I am extremely frustrated and am feeling like I am being ignored and since I ask these questions I feel these fees are being added for no reason at all ; which they can not explain. I also feel they are violating laws to protect consumers by these practices.

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 2025-11-28 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:
Equifax is refusing to block fraudulent identity-theft information as required under FCRA 605B. I submitted my notarized FTC Identity Theft Report, my police report filed XX/XX/XXXX ( Case No. XXXX ), my drivers license, Social Security card XXXX utility bill, and complete identity theft statement. 

Equifax continues to report the fraudulent XXXX account ( XXXXXXXX XXXX XXXX  ) and a fraudulent inquiry from XXXX XXXX dated XX/XX/XXXX. I did not apply for credit, authorize a pull, or consent to XXXX or any representative accessing my credit report. This inquiry was obtained without permissible purpose under FCRA 604 ( a ). Equifax refuses to block these items despite full compliance with all 605B requirements. They have repeatedly stated that the documents do not meet internal requirements yet refuse to specify which requirement is missing, violating FC
RA 605B ( d ). Furnisher verification does not override the block requirement under 605B ( c ). 

These items have caused credit denials and financial harm. Equifax is the only bureau besides XXXX  still reporting XXXX. Equifax must block fraudulent information within XXXX business days once identity theft documentation is submitted ; they have not complied.

Company response to consumer: Closed with non-monetary relief