vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-12 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: MI

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-12 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: MD

Complaint narrative:
i recently reviewed a copy of my credit reprt and noticed i have fraudulent activity please remove accounts.

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 2025-07-12 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: Kikoff Inc.
State: FL

Complaint narrative:
I am currently in the process of purchasing a home and a new vehicle to accommodate the needs of my growing family. During this process, I reviewed my credit report and was alarmed to find that several debt XXXX have submitted false, inaccurate, and unverifiable information to the credit bureaus. 

These entries were added without my knowledge or consent, and to date, I have not received any documentation from these agencies providing proof of the alleged debts, including any signed contracts, verification of identity, or a copy of my drivers license. This lack of proper validation is a serious concern, as it directly impacts my ability to secure essential housing and transportation for my family. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. It is also the responsibility of the furnishing party to ensure that all information reported is complete and accurate, and that they respond to any dispute in a timely and lawful manner. 

I am requesting a thorough investigation into these claims and the immediate removal of any unverifiable or fraudulent accounts in accordance with the rights granted to me under federal law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Bank opened a credit card fraudulently without any authorization from myself. I requested an investigation into the fraudulent credit card through their service. They investigated and concluded it was not fraudulent without offering any reasoning or evidence. I sent a letter through certified mail to comenity requesting reason the fraud claim was denied, documentation they used to reach their decision, and to dispute the finding of their investigation on XX/XX/year>. They haven't responded after 2 months as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account number XXXX Inconsistencies : Open date differs across bureaus ( XX/XX/year> vs. XX/XX/year> ), high credit {$510.00} vs {$180.00} Credit limits vary Past due balance {$510.00} vs {$0.00}. 


I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. An auto loan account with Santander XXXX  USA was fraudulently opened in my name without my authorization or knowledge. According to my credit report, this Santander account was opened on XX/XX/XXXX, and reported as a charge-off with a balance of approximately {$28000.00}. 

I never applied for this auto loan, never received a vehicle, and never signed any paperwork with Santander XXXX  USA. I first noticed this account when I reviewed my credit report on XX/XX/XXXX, through XXXX. 

This account is currently showing as closed and charged off on all three credit bureaus ( XXXX XXXX XXXX XXXX ). It is severely harming my credit score and my ability to get approved for legitimate credit. 

I have never had any relationship or communication with Santander XXXX  USA regarding this loan and have never made any payments toward it. I believe someone used my personal information without my consent to fraudulently obtain this loan in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Under 15 U.S. Code 1681i, also known as the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. The credit reporting agency is required to : Conduct a reasonable reinvestigation of the disputed information, typically within 30 days ; Delete or correct inaccurate, incomplete, or unverifiable information ; Provide me with the results of the investigation in writing. 

I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit.

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 2025-07-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am currently in the process of purchasing a home and a new vehicle to accommodate the needs of my growing family. During this process, I reviewed my credit report and was alarmed to find that several debt XXXX have submitted false, inaccurate, and unverifiable information to the credit bureaus. 

These entries were added without my knowledge or consent, and to date, I have not received any documentation from these agencies providing proof of the alleged debts, including any signed contracts, verification of identity, or a copy of my drivers license. This lack of proper validation is a serious concern, as it directly impacts my ability to secure essential housing and transportation for my family. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. It is also the responsibility of the furnishing party to ensure that all information reported is complete and accurate, and that they respond to any dispute in a timely and lawful manner. 

I am requesting a thorough investigation into these claims and the immediate removal of any unverifiable or fraudulent accounts in accordance with the rights granted to me under federal 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 2025-07-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have requested from Experian to provide method of verification used to document the collections on my account and they have not provided it.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2025, I submitted disputes to credit reporting agencies regarding multiple duplicate and inaccurate student loan accounts being reported by Department of Education/XXXX XXXX Despite the 30-day FCRA investigation requirement, I have received no response after 41 days.

DUPLICATE REPORTING VIOLATIONS : Five XXXX loan accounts show systematic inaccuracies indicating FCRA violations : Multiple accounts with identical payment dates Overlapping balances suggesting duplicate reporting Artificially generated account numbers All reported as 120 days late without proper validation SPECIFIC ACTIONS TAKEN : XX/XX/2025 : Filed disputes with Equifax and TransUnion via certified mail XX/XX/2025 : Requested validation of each account as separate legitimate debt XX/XX/2025 : Followed up via phone - no substantive response XX/XX/2025 : Sent second written demand for investigation results XX/XX/2025 : Still no response or investigation results provided FCRA VIOLATIONS IDENTIFIED : Failure to complete investigation within 30 days ( 15 USC 1681i ) Continued reporting of disputed information without validation Violation of maximum possible accuracy standards ( 15 USC 1681e ( b ) ) Furnisher failure to conduct reasonable investigation ( 15 USC 1681s-2 ( b ) ) REQUESTED ACTIONS : Immediate blocking of disputed accounts under 15 USC 1681c-2 Complete investigation with " clear and convincing evidence '' standard Removal of duplicate/inaccurate reporting Documentation proving each account represents separate legitimate debt Validation of 120-day delinquency reporting with specific default dates IMPACT : These inaccurate reports have caused credit application denials, higher interest rates, and interference with business operations. The systematic duplicate reporting suggests willful FCRA non-compliance requiring enforcement action.

The credit reporting agencies and data furnisher have failed to respond to legitimate disputes for over 40 days, violating federal law and causing ongoing harm to my creditworthiness.

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 2025-07-12 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 am filing a complaint regarding XXXX XXXX XXXX, who is reporting inaccurate and misleading information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is reported as a charge-off on my credit report from XX/XX/XXXX through XX/XX/XXXX, which is already misleading, but it gets worse : The balance continues to increase with no payments made or activity shown. 
It has risen from {$20000.00} to {$20000.00} despite the account being charged off and showing no scheduled or paid payments. 
XXXX is also reporting repeated delinquency notations ( CO, XXXX days past due ) after the charge-off, which creates the false appearance of new delinquencies every month.

This violates FCRA 607 ( b ), which requires furnishers and credit bureaus to maintain maximum possible accuracy, and is misleading and damaging to my credit. 

I have disputed this with the credit bureaus and request that the CFPB take action to investigate XXXX XXXX XXXX and ensure this account is either corrected or permanently deleted from all credit reports. 

I have attached documentation showing the charge-off history, balance increases, and lack of payment activity to support my claim.

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 2025-07-12 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: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding [ Auto Lender Name ], who inaccurately reported late payments on my auto loan account despite my documented financial hardship and my belief that I was in good faith communication regarding payment arrangements. 



My auto loan, opened in XX/XX/XXXX, shows multiple late payments reported in XXXX and XXXX, including multiple 6089 day late notations. During this time, I was experiencing documented COVID-19-related financial hardship, and I believe I was either under an informal payment deferment or had contacted the lender about available relief options. Many auto lenders publicly stated they would offer deferment programs and not penalize consumers for hardship-related delays during the pandemic. 



I respectfully request that the CFPB : Investigate whether [ Auto Lender Name ] offered or acknowledged a COVID-related deferment program. 
Require the lender to verify whether these late marks are accurate under the Fair Credit Reporting Act. 
Remove any improperly reported delinquencies that occurred while I was under a deferment or had requested hardship accommodation. 




The misreporting of these payments has negatively impacted my credit score and ability to access fair credit. I have attached a copy of my payment history for reference. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MI

Complaint narrative:
Uprova Credit , LLC issued me a {$1000.00} loan at an APR of 547.87 %. I am a Michigan resident. This interest rate violates Michigans criminal usury laws ( MCL 438.41 ), and Uprova is not licensed in my state, which is required by the Michigan Regulatory Loan Act.

Uprova refuses to acknowledge Michigan law and instead claims tribal sovereign immunity, despite the loan being marketed, offered, and executed off-reservation.

I am requesting the CFPB investigate this company for issuing predatory loans and violating state consumer lending laws.

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