vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: MO

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
In early XX/XX/year>, I made a verbal agreement with a Santander representative to pay my past due balance by the end of XXXX. Despite this, I began receiving emails on XX/XX/XXXX stating a payment had not been received which conflicted with the agreement. On XX/XX/XXXX, I was notified by email that my vehicle had been assigned for repossession. 

I called Santander again on XX/XX/XXXX. The representative told me the repossession could be stopped if I paid {$620.00}. I explained that I could pay on Friday, XX/XX/XXXX, and again on Monday, XX/XX/XXXX, and I believed we had a verbal understanding. I attempted to make the {$620.00} payment that day using my valid XXXX  account, but XXXX system rejected it without cause. I then attempted to use my husbands XXXX  card ( he is the co-signer on the loan ), but that was also rejected. 

Despite this agreement, my vehicle was repossessed around XXXX a.m. on XX/XX/XXXX before the agreed payment date. That same morning, I called Santander and was told the vehicle had been repossessed. The representative did not acknowledge the broken agreement and informed me that I was no longer eligible for reinstatement and would have to pay the entire remaining balance. I was told I had until XXXX to do so. 

I asked to speak to a supervisor or someone with the authority to make a decision, and I was told that was not possible. The representative gave me the name of the repo company XXXX XXXX in XXXX XXXX, Illinois and told me to call them to retrieve my personal belongings. I was not told that my car had been taken across state lines, and only learned this when I called the repo company and found the location was over an hour away in another state. 

I had XXXX XXXX over an hour and cross state lines to retrieve my belongings. I arrived for my appointment on XX/XX/XXXX at XXXX p.m. I was forced to stand outside in the pouring rain, and the agent refused to accept my ID due to Santander not updating my name after marriage. My husband the co-signer was allowed access with his ID. By that point, the vehicle had already been moved. My belongings had been removed and bagged without my oversight. 

Several valuable items were missing, including my XXXX sons wallet, which contained over {$400.00} in cash, a pair of Ray-Ban sunglasses, and XXXX XXXX gift card. My license plates had also been removed, which I found premature and unnecessary. I have no way to prove these missing items were in the vehicle because I was never allowed to access the car myself. 

This is now the second time Santander has repossessed my vehicle without ever notifying my co-signer, who is on the loan. My husband received no notice of delinquency, default, or repossession, in either case. This violates our contract and his consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
This account was charged off on the following date : XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should have active payment history. 
This inaccurate information falsely manipulates the statute of limitations investigate this account properly after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX XXXXXXXX Account 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 2025-06-27 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: IL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times to credit bureaus and it's coming back as updated and verified without proper investigation.

The company failed to send me any of the information I requested even with my other disputes they never sent verification of debt, the ORIGINAL contract bearing my signature and explanation of the amount and how it was calculated. 

Submitted disputes every 30 days on XX/XX/year>, XX/XX/year> and XX/XX/year>. 

XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Since I don't have XXXX 's address. XXXX needs to answer my debt validation letter and XXXX XXXX request which is mandatory within certain deadlines. 
XXXX XXXX within XXXX  days UCC XXXX within XXXX  days. 
_________________________________________________________________ XXXX has admitted that XXXX  off occurred. Therefore, I owe XXXX nothing. Instead of taking me to court as I warmly welcome, XXXX insists on keeping a XXXX  mark on XXXX XXXX XXXX 
By not removing the XXXX mark from XXXX XXXX XXXXXXXX is in violation of the XXXX XXXX Collections Practices for XXXX. 
When answering the Debt validation letter under XXXX XXXX XXXX XXXX shall properly address and conspicuously address XXXX XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX ( a ) ( XXXX ) _____________________________________________________________ - Public Law XXXX, XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX the XXXX obligation XXXX XXXX XXXX Code XXXX is documentary evidence requirement for government obligations. 
- XXXX XXXX Code XXXX ( a ) ( XXXX ) defines a loan agreement showing the amount and terms of repayment as an OBLIIGATION OF THE UNITED STATES. 
XXXX must prove that a loan agreement showing the amount and terms of repayment are not an OBLIIGATION OF THE UNITED STATES. 
_________________________________________________________________ Silence and hearsay will equate to fraud. As stated earlier, I warmly welcome XXXX to take me to court which they will not. Lastly, XXXX needs to provide the XXXX  number for the XXXX XXXX  loan that they claim as theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-06-27 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX I wrote to the XXXX credit bureaus to dispute multiple unauthorized credit inquiries on my credit report. None of them responded with any positive results as they did not do any investigation into my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX I wrote to the XXXX credit bureaus to dispute multiple unauthorized credit inquiries on my credit report. None of them responded with any positive results as they did not do any investigation into my request.

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 2025-06-27 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: CA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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.

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 2025-06-27 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: GA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
This complaint concerns a late payment currently being reported by XXXX  and Experian for an account listed as XXXX XXXX, account number ending in XXXX, with a reported delinquency dated XX/XX/year>. The account shows a {$0.00} balance and a {$0.00} past due amount, which confirms that it is closed and fully paid. Despite this, both credit bureaus are continuing to reflect a late payment entry that is completely unverified, inaccurate, and unjustified. 

There is absolutely no reason for a closed and resolved account with no remaining obligation to continue displaying a derogatory payment status especially in the absence of any supporting documentation. I have not received any billing statements, payment records, or formal notices from XXXXXXXX XXXX  or the credit bureaus proving that a legitimate delinquency occurred on this account prior to its closure. Without such evidence, this entry is not only factually incorrect but also a direct violation of my rights under federal consumer law. 

I take the accuracy of my credit reports very seriously. I monitor them regularly and promptly dispute errors. I have made every effort to maintain a clean credit history and act responsibly as a consumer. Thats why it is both confusing and frustrating to find a derogatory mark tied to a zero-balance, closed, and resolved account, with no past due balance and no explanation for the supposed delinquency. The continued reporting of this entry undermines my credit standing and misrepresents my financial behavior. 

This reporting directly violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), XXXX and Experian are obligated to ensure that all data in my file is reported with maximum possible accuracy. In addition, 15 U.S.C. 1681i grants me the right to dispute and have removed any information that can not be verified. Both credit bureaus have failed to provide any meaningful verification in support of this late payment, and therefore it has no legal basis to remain in my 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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have repeatedly sent letters to you. I have filed complaints. Explaining that the charges on the account are fraudulent Ive asked you to look into it and you just flat out. Ignore me. Theres no way you havent received any of my complaints or request. I just dont believe it if you say you didnt you keep charging me interest and the only reason youre not charging me. Light fees is because I keep paying the bill trying to do my part to give you an opportunity to investigate, but youre not investigating. Im pretty sure there are laws against you just ignoring me when fraud has been committed. The lack of customer service is just ridiculous. Im shocked that this is the way you treat your customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation