vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-03 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:
Formal Dispute of Inaccurate and Unverified Information on Credit Report To Whom It May Concern, I am writing to dispute several inaccurate and unverifiable entries on my Experian credit report. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( 15 U.S.C. 1666b ) regarding the duty to provide timely and accurate notice of delinquencies and account closures. 

The following items are disputed as inaccurate, incomplete, or unverified : 1. XXXX XXXX XXXX XXXX reported late payments ( 30120 days ). Please provide proper verification, including account statements and notices required by law, or delete this entry. 
2. XXXX ( Collections ) reported collection account. Provide complete documentation, including original creditor agreement, payment history, and proof of compliance with 15 U.S.C. 1692g ( validation of debts ), or remove. 
3. XXXX XXXX XXXX XXXX XXXX Charge-Off reported charge-off status. Please provide original notices of delinquency and charge-off, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( duty to notify consumer of negative credit reporting ). If such documentation can not be furnished, this account must be deleted. 
4. Closed Accounts with Negative History multiple closed accounts continue to reflect derogatory remarks. Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers must ensure that information is complete and updated. A closed account should not report new delinquencies or incomplete status codes. 

My rights under the law require the following : A reasonable reinvestigation of each disputed item ( 15 U.S.C. 1681i ). 
Removal of all information that can not be verified within 30 days. 
Written notice of investigation results and the updated credit file provided to me. 

If Credit reporting agency and the furnishers can not substantiate these items with full and proper documentation, they must be immediately deleted from my report. 

Enclosed are copies of my government-issued ID and utility bill for identity verification.

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 2025-09-03 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:
According to 15 USC 1681c-2, I am writing this letter in regards to fraudulent activity on my credit report. I never gave consent to the listed items and demand they be deleted from my credit report. Please block and remove entries mentioned in my FTC report and attached PDF. Also, accounts that were on my FTC report and attached PDF were initially removed then placed back onto my credit report. According to 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) - ( iii ), I demand these be reinvestigated for they are to be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I am disputing an eviction collection reported by XXXX XXXX XXXX ( for XXXX XXXX Apartments ) with a balance of {$7300.00}, opened XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX a debt validation request. They never provided validation to me ( no lease, no itemized ledger, no judgment, no proof of assignment ). 

Under FDCPA XXXX ( b ), a collector must provide validation to the consumer before continuing collection. Continuing to report to Equifax without validation is continued collection activity. Under FCRA XXXX ( a ), Equifax may not report information that can not be verified. 

I previously filed a CFPB complaint against XXXX on XX/XX/XXXX ; XXXX responded XX/XX/XXXX claiming the original creditor contends the debt is owed, but they still did not provide validation to me. A furnishers say-so is not validation.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing an eviction collection reported by XXXX XXXX XXXX ( for XXXX XXXX Apartments ) with a balance of {$7300.00}, opened XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX a debt validation request. They never provided validation to me ( no lease, no itemized ledger, no judgment, no proof of assignment ). 

Under FDCPA XXXX ( b ), a collector must provide validation to the consumer before continuing collection. Continuing to report to Equifax without validation is continued collection activity. Under FCRA XXXX ( a ), Equifax may not report information that can not be verified. 

I previously filed a CFPB complaint against XXXX on XX/XX/XXXX ; XXXX responded XX/XX/XXXX claiming the original creditor contends the debt is owed, but they still did not provide validation to me. A furnishers say-so is not validation.

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 2025-09-03 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: AR

Complaint narrative:
Account open fraudulent and a charge off amount of XXXX was use out of the account I contacted discover and also XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/year> apparently a new account was created that I never applied for. I have tried to dispute this through XXXX XXXX since XXXX  I have never received a phone call, letter/statement via mail nor email. How am I supposed to know any further information if I am not receiving any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year>, someone fraudulently opened up a XXXX XXXX Checking account ( XXXX ) and Savings account ( XXXX ) under/using my name, my mailing address, my social security number, and my ( old ) email address- with the only info that was not mine being the phone number.

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 2025-09-03 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: NC

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 2025-09-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
Equifax has willfully violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by continuing to report inaccurate, misleading, and re-aged information on my credit file, despite multiple disputes I have filed. 

I have disputed the following accounts with Equifax : XXXX XXXX XXXX XXXX Credit Card ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) Equifaxs response to every dispute was that the accounts were verified, yet no supporting documents, contracts, or validation were ever provided. This does not constitute a reasonable reinvestigation as required by FCRA 1681i. 

These accounts are being reported with false payment histories ( showing on-time payments in XXXX I never made ) and false open dates in XXXX ( illegal re-aging ). Equifax has failed in its duty under FCRA 1681e ( b ) to ensure maximum possible accuracy. 

Equifaxs reckless indifference has caused years of financial harm, including denials of credit, higher borrowing costs, and severely depressed credit scores ( in the XXXX ). This has materially damaged my financial stability and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Going through a divorce. My x husband was not making payments to the vehicle that he drove he was stealing money from my account and didnt pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: NC

Complaint narrative:
Fraud or scam Unauthorized transactions or charges Summary : I am filing a complaint against my bank for failing to detect, stop, or notify me of 62 fraudulent debit card transactions totaling approximately {$14000.00}. These unauthorized transactions occurred at XXXX XXXX XXXX in three different states, averaging around {$300.00} each, and were clearly outside my normal spending behavior. 

Details : Between XX/XX/XXXX and XX/XX/year> unauthorized debit card transactions took place on my account, all with the title of XXXX XXXX XXXX. Each charge was around {$300.00}, totaling nearly {$14000.00} in fraudulent withdrawals. The charges came from multiple different cities and three different states. I did not authorize these charges, and I had no prior relationship or consistent transaction history with this merchant. 

I discovered the fraud on XX/XX/XXXX and immediately reported it to my bank on the same day. Despite the volume and repetitive nature of the transactions, my bank failed to : Flag or block the suspicious activity, Send any alerts ( via SMS, email, or phone ), Take any steps to prevent further transactions after the first few unauthorized charges. 

As a result of the banks inaction, tens of thousands of dollars were drained from my account before I discovered the fraud myself. I believe the bank failed to uphold its responsibility under Regulation E to protect consumers against unauthorized transactions and to investigate claims promptly and fairly. 

I have not received a full explanation or breakdown of the investigation process from the bank, nor have I been told why no fraud detection measures were triggered. I believe this failure constitutes negligence and potentially a violation of federal consumer protection laws. 

Requested Resolution : I am requesting : A full refund of all unauthorized transactions, A detailed explanation of why the bank failed to detect or notify me of suspicious activity, Assurance that my claim will be properly investigated and handled under Regulation E, Review of the banks fraud prevention procedures to ensure this doesnt happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation