vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G . I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4.

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G . I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4.

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My information was breach by XXXX. Have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One had marked my rent payment as fraud on XX/XX/XXXXXX/XX/XXXX. This payment has consistently come out of my checking account for over a year now at the same time every month with no issues. Capital One did not alert me that they had marked the payment as fraud. There was no email, text, or call to warn me. So, since Capital One marked it as Fraud, my full rent payment to my apartment was not paid. This resulted in a {$120.00} late fee and a {$50.00} non-sufficient funds fee for a total of {$170.00}. 

I had called Capital One on Sunday XX/XX/year> at XXXX which lasted XXXX and XXXX. I was told that the payment fromXX/XX/XXXXXXXX XXXXXXXX was indeed marked as fraud and they weren't sure why the fraud team marked it as fraud. I was told to go find out what the late fees would be and to call back and they would reimburse me for any late fees due to XXXX XXXX XXXX. I called back on Monday XX/XX/year> at XXXX and the call lasted XXXX and XXXX. I spoke with a female representative who supposedly created a claim and had me explain the whole situation. It was a very lengthy phone call and explanation of everything that had happened. I was told that a claim would be created and that it would take XXXX business days to review. 

Fast forward to today, XXXX XXXX I had not heard from Capital One, so I called to check the status. The first representative refused to connect me with his supervisor and told me there was no claim on my account. I asked to be transferred to a supervisor and was on hold for XXXX before he came back and said he spoke to his supervisor and reviewed my account and that no claim had ever been filed or documented. I was asking more questions and then the call went blank and then there was silence for XXXX minutes before the call ended on Capital Ones side. The Representative hung up on me. 

I called back again and spoke to a female XXXX and she had informed me that a claim was never filed on XX/XX/XXXX but she could file a new one for me right now. This is unacceptable since this process was already in progress as of XXXX days ago. I need this reimbursement now since I am on a fixed income and need that fee to pay rent in XXXX days. I asked for all XXXX calls to be reviewed and for Capital One to follow up with me about these calls and she told me that that is not possible and they will not follow up with me. I find it hard to believe that a company does not have a team who handles these types of matters. 

Now I have to wait an additional XXXX days for them to review this claim AGAIN which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my consumer credit report and found some items that i don't recognize nor did i authorize that are the result of identity theft and fraud. These items are XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX Said items have resulted in hard inquires and collections being filed to my consumers report and Under the ECRA 605b 15 u.s code ( 4681c-2 ) law I demand that you block any information being filed and or reported on my consumers report and to remove said items within 4 business days of receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fig Tech Inc.
State: TX

Complaint narrative:
I contacted Fig Loans requesting a goodwill adjustment to remove late payment marks from my credit report after I bring the account current. I did not ask for the account or accurate information to be deleted. I requested a courtesy adjustment due to financial hardship, which other lenders often honor to support consumer recovery. My account is currently past due, but I am willing to make payments if Fig is willing to work with me. 

Fig Loans denied the request without offering any review or escalation option, instead citing their obligation to report accurate information even though XXXX  adjustments are legal and done at lender discretion. I believe this is a reasonable request and should be reviewed by a higher authority at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the XXXX Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in dispute : Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2000.00} Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} Creditor : XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX XXXX XXXX {$4900.00} Creditor : XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX XXXX XXXX {$1700.00} XXXX : XXXX XXXX XXXXXXXX XXXX XXXX of XXXX ) XXXX XXXX {$4600.00} Per the Fair Credit Reporting Act ( FCRA XXXX ) you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No valid current creditor- XXXX services these loans on behalf of the XXXX  XXXX which no longer exists. There is no legal authority to collect or report this debt. 

Requested action : immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if this accounts were furnished by them. If you fail to verify these accounts within 30 days ( as required by the FCRA ) they must be 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 2025-04-29 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: CA

Complaint narrative:
I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the XXXX Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in dispute : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX Fair Credit Reporting Act ( FCRA XXXX ) you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No valid current creditor- XXXX services these loans on behalf of theXX/XX/XXXX XXXX which no longer exists. There is no legal authority to collect or report this debt. 

Requested action : immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if this accounts were furnished by them. If you fail to verify these accounts within 30 days ( as required by the FCRA ) they must be 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the XXXX Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in dispute : 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 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 {$4600.00} Per the Fair Credit Reporting Act ( FCRA XXXX ) you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No valid current creditor- XXXX services these loans on behalf of the XXXX XXXX which no longer exists. There is no legal authority to collect or report this debt. 

Requested action : immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if this accounts were furnished by them. If you fail to verify these accounts within 30 days ( as required by the FCRA ) they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AK

Complaint narrative:
Experian is also reporting the account XXXX - XXXX * * * * as having a past due history despite it showing a XXXX balance. This inconsistency is not only misleading but potentially a result of errors stemming from compromised personal information. Under XXXX U.S. Code XXXX, the reporting of a late payment must be accurate, and when there is no past due amount, such reporting raises serious concerns about data reliability and 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
Consumer complaint received 2025-04-29 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: NE

Complaint narrative:
I want to make it explicitly clear that this is a legitimate complaint requiring immediate attention. My credit report contains inaccurate information that does not meet the federally mandated standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial well-being. I firmly insist that a thorough investigation be conducted and that these inaccuracies be corrected or removed without delay. Prompt resolution of this matter is not only necessary it is critical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark Finacial has lied about a XXXX coverage and constantly extorts me for more money and fees on a loan that was paid off by my insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
TransUnion is currently reporting a charge-off for XXXX  XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$1100.00}. This entry is not only damaging to my credit profile, but it is also inconsistent with my actual account history and lacks substantiation. I have never received any legitimate documentation from XXXX XXXX indicating that this account was charged off or remained in delinquency at this amount. Inaccuracies of this nature often arise when financial institutions or data furnishers report outdated, duplicated, or incorrect informationespecially following a system error or data breach. With the frequency of cyberattacks on financial databases, it is highly likely this information was compromised or incorrectly processed due to such an event. TransUnion, under its obligation as outlined in 15 U.S. Code 1681e ( b ), must follow reasonable procedures to ensure maximum possible accuracy of the information it reports. In this case, that responsibility has been violated by the inclusion of this unverified and potentially compromised entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief