vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
XXXX XXXX Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$15000.00}. Please verify and provide the correct status for this account. 

Inquiries : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is unauthorized. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was not authorized. Please remove it from my credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is unauthorized. Please remove it from my credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 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:
XXXX XXXX Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$500.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$12000.00}. Please investigate and provide the correct account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Charged-Off Accounts XXXX Card XXXX XXXX Bank XXXX Acct # : XXXXXXXX Date : XX/XX/XXXX Amount : {$3300.00} XXXX XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$25000.00} I dispute these charged-off accounts and request verification from the original creditors confirming the balances, ownership, and charge-off dates. Any unverifiable information should be removed. 

Inquiries None currently disputed. 

Late Payments XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX Card Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX I dispute the accuracy of these reported late payments. Please verify the dates and amounts with the creditor. If they can not be verified, they should be corrected or deleted.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Charged-Off Accounts XXXX Acct # : XXXX XXXX & XXXX Date : XX/XX/XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Acct # : XXXX & XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX XXXX Acct XXXX : XXXX Date : XX/XX/XXXX XXXX Acct # : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Acct # : XXXX Date : XX/XX/XXXX XXXX Acct XXXX : XXXX Date : XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify and remove any inquiries that were not authorized. 

Late Payments XXXX Acct # : XXXXXXXX XXXX Acct # : XXXX XXXX Acct # : XXXX & XXXXXXXX XXXX XXXX Acct # : XXXX & XXXX I dispute the accuracy of these reported late payments and request documentation verifying each entry. Any unverifiable or inaccurate entries should be corrected or removed.

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 2025-10-31 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. The information in question is associated with my account and reflects late payments that I believe are inaccurate and unverifiable. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute information I believe to be incorrect, incomplete, or unverified. I am requesting that your office conduct a reasonable investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MS

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America wrongfully closed two of my credit card accounts. The issue began after I requested a credit line increase in XX/XX/year>, which was approved, and I received a confirmation letter. When I checked my Bank of America mobile app, I saw both my information and my twin sisters information, including cards, account details, and contact information. We have only a one-number and one-letter difference in our names and Social Security numbers. This indicates a system error or identity mix-up. 

Following this, I was instructed by the branch and XXXX department to submit a fraud claim regarding these irregularities. After submitting the claim as directed, both of my accounts were wrongfully closed. 

I began disputing both closures in XXXX, and the dispute has remained unresolved since then. The bank ultimately reopened the account that carried a balance, but refused to reopen the other account that had a XXXX balance and available credit line, even though both were closed under the same circumstances. 

During the dispute, the bank briefly reissued the second account under a new card number ( XXXX ), which appeared in my online banking for about one day before being closed again without my authorization. The bank now claims its too late to reopen the account and denies that any reissue occurred, despite the account being visible on my end.

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 2025-10-31 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
My information was publicly exposed and breached a number of times, I have filed police reports and noticed this company that the account was UNAUTHORIZED UNKNOWN and I still was forced to be accountable for FRAUD. COMENITY BANK REFUSES TO OPEN A PROPER INVESTIGATION AND DELETE AND REMOVE THE FRAUDULENT ITEMS FROM MY CONSUMER REPORT. This has caused emotional distress and other damages that are stated in the attached statement. Please review the attached document I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-31 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-10-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Post Lake Lending Inc.
State: AZ

Complaint narrative:
A COMPANY BY THE NAME OF POST LAKE LENDING HAS LENT ME {$300.00} AND OVER THE COURSE OF A MONTH MY BALANCE IS STILL, {$300.00} AFTER MAKING 4 SEPARATE INSTALLMENTS OF {$44.00} EVERY TUESDAY. NONE OF MY MONEY HAS GONE TO PRINCABLE BUT TO THE SERVICE FEES ONLY '' WHICH HAS NOW BEEN STATED BY ONE OF THEIR EMPLOYEES. WHICH WHOM HAVE APOLOGIZED FOR SEVERAL PAYMENT HAVING NONE OF THEM TOUCH THE INITAL BALANCE, HOW MANY XXXX  HAVE BEEN XXXX, LIED AND DISRESPECTED IN THE LIES OF UNEASY TRUTHS? NONE TO BEAR WITH UN SELF RIGHTIOUS TREASONS IN THE FORM OF RUDERMENTARY LOSES CAUSED BY THE FAULT OF THOSE LOST IN GREED, BUT I WONT STOP AT NOTHING TO BRING THIS COMPANY AT THE HANDS OF THEIR OWN SELFISHNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I kindly request that Equifax review the following disputed items and verify the accuracy of the reported information. These accounts appear to be inaccurately reported, and I would appreciate your prompt attention to this matter. 

Disputed Accounts : Charged Off : XXXX XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/year>, Balance : {$2100.00} Please verify the accuracy of this charged-off account and remove it if found to be reported incorrectly. 

Late Payment : [ No late payment items listed under XXXX. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly request that TransUnion review the following disputed items and verify the accuracy of the reported information. These accounts appear to be inaccurately reported, and I would appreciate your prompt attention to this matter. 

Disputed Accounts : Charged Off : XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Open : XX/XX/year>, Balance : {$0.00} Please verify the accuracy of this charged-off account and remove it if found to be reported incorrectly. 

Late Payment : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Account Number : XXXX Please verify the accuracy of the late payment information and ensure that it is reported correctly, or remove the late payment entry if it is inaccurately reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CO

Complaint narrative:
I am submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) as a verified victim of XXXX XXXX, debt bondage, and identity theft.

In collaboration with my authorized nonprofit advocate, I am exercising my rights under these federal laws to have the following fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 
Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO BLOCK : Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS TO REMOVE : EMPLOYER - XXXX XXXX ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD - XX/XX/XXXX - {$0.00} HARD INQUIRIES TO REMOVE : 1. XXXXXXXX XXXX XXXX XXXX 2. XXXX FCU - XX/XX/XXXX LEGAL BASIS FOR REMOVAL : FCRA 605C ( 15 U.S.C. 1681c-3 ) : Mandates blocking of information resulting from XXXX XXXX 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates blocking of information resulting from identity theft.

YOU ARE LEGALLY REQUIRED TO : 1. Block and remove the above-listed items within four ( 4 ) business days.

2. Provide written confirmation of your actions.

3. Cease all future reporting of these items. 
Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
REQUESTED ACTION : Immediately block and delete the listed addresses, accounts, and inquiries. 
Provide written confirmation of compliance. 
Thank you for your prompt attention to this matter. 
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 2025-10-31 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries 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 2025-10-31 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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