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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I applied online through XXXX XXXX XXXX for a specific XXXX vehicle listed on their website. A representative named XXXX, contacted me and said he would follow up after reviewing the application. At no point did he inform me that the vehicle was unavailable or that my credit would be submitted to multiple lenders. 

I never received a follow-up, but I later discovered that several unauthorized hard inquiries appeared on my credit report from lenders I did not approve. I was never told which companies would be pulling my credit, nor did I authorize credit checks for any other vehicles or offers. 

When I called the dealership, they were dismissive and refused to provide a clear explanation or escalate my concern to a manager. After pressing further, another employee confirmed that the vehicle was unavailable the entire time, meaning my credit was run without legitimate cause or proper consent. 

I am requesting that these unauthorized inquiries be removed from my credit report. I am also asking the CFPB to investigate this dealerships credit application practices, as they appear to be engaging in deceptive or unethical behavior.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting XXXX XXXX for inaccurate and unverifiable credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 
They are reporting conflicting information regarding a charged-off auto loan account. According to their credit reporting, the original loan balance is listed as {$17000.00}. They have also reported a charge-off amount of {$16000.00} and a past-due balance of $ XXXX figures are inconsistent and raise red flags. 
I sent a formal letter requesting : A copy of IRS Form XXXX ( Cancellation of Debt ) Full charge-off accounting Payment history Clarification of current ownership and credit bureau reporting Chain of title I informed them that failure to provide this within 30 days would constitute an inability to verify the debt and requested deletion from all credit bureaus. As of today, they have failed to respond or provide 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The company or agency EQUIFAX wrote unable to locate file, in attempt to gather personal information. Further subject to unauthorized disclosure believes that the commitment we will automatically reinstate the security freeze can be ignored.

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: AL

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute and validation request to Portfolio Recovery Associates , LLC ( PRA ) regarding an alleged XXXX credit card debt they claimed to have purchased. I requested specific documentation, including the original signed agreement, proof of assignment and ownership, itemized accounting, forward flow or purchase agreements, securitization details, and compliance with Florida law regarding business record authentication. 

XXXX responded with a generic summary acknowledging their purchase of the debt, but they did not provide any of the documentation I requested. Their responses ( including one on or about XX/XX/year>, and again after my CFPB complaint on XX/XX/year> ) repeated nearly identical language and completely ignored the specific FDCPA and FCRA violations I identified. 

They did not address : Missing 30-day validation notice, Misleading language in communications, Failure to show legal right to collect, Incomplete or absent credit bureau reporting updates, Failure to comply with state standards for debt validation.

As of today, PRA has still not responded substantively to the legal violations raised. Their conduct shows a clear disregard for due process and regulatory compliance. I am requesting that the CFPB require PRA to respond directly and completely to each legal issue raised, and to halt any collection efforts until they provide full and lawful validation of the debt.

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: Central Research Inc
State: PA

Complaint narrative:
I am a military servicemember with over 10 years of service. In 2022, I submitted an SCRA application to XXXX for student loan protections. They acknowledged it and required no additional documentation. Despite this, my federal loans were transferred to Central Research Inc and reported as 90+ days delinquent to XXXX. XXXX  and XXXX  now also list these accounts. I was never notified that payments were due, never contacted about a change in loan status, and the XXXX delinquent reports are false. 

I have filed disputes with all 3 credit bureaus and am providing documentation that my military status and benefit application were in place. This has dropped my credit nearly XXXX points and needs immediate resolution.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION has contacted me after theyre investigation and claimed to have verified these account and labeled them as Accurate Please provide to me the following : Where are the documents that you used to verify these accounts? 
What is the name of the person in your company who verified these accounts? 
What documents did they use to verify them? 
What is the method of verification? 
Please provide me with the name of that individual, their business address, and telephone number used to VALIDATE and AUTHENTICATE these accounts as true and accurate.

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: 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 15 USC 1681. 

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 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 2025-07-12 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : Experian XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date Opened XX/XX/XXXX XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. I MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. 


REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX FINANCE ACCOUNT, ALSO CAPITAL ONE 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. 

XXXX XXXX XXXX ACCOUNT : XXXX WORLD ACCEPT ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 
XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 
XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 
XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. 

XXXX XXXX OF XXXX RIGHTS XXXX XXXX ( Relization ) ARTICLE XXXX  Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE XXXX  Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed on a fake website. 
I notified my bank, the FTC and PayPal within 5 minutes of the scam. 
They were supposed to charge me {$80.00}, but without authorization switched the amount to {$1900.00}. 
PayPal never was authorized for this expenditure.

No goods or services were ever sent to me. 

The website XXXX found on XXXX and the WWW was fake with a phone number that didn't work, an email that was not valid. 
I reported all the info to the FTC. 

Apparently, the scammers sent PayPal fake documentation and PayPal denied my claim of being scammed. They never checked the phone number or fake documents.

Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a Method of Verification ( MOV ) request to Experian regarding an account they previously verified as accurate. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to know how Experian verified the disputed information including who they contacted and by what method. 
Instead of responding to my MOV request, Experian resubmitted the dispute. I did not request another investigation. I requested only the details of the prior verification. This is a failure to comply with the Fair Credit Reporting Act. 
If this account can not be verified and the method of verification can not be provided, the account should be removed from my credit report in accordance with 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

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 2025-07-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft. 
As ruled in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies have a duty to conduct a reasonable reinvestigation and may be held liable for failing to do so. 
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information. 




I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Copy of the FTC Identity Theft Report List of disputed accounts Proof of data breach If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o. 



This letter serves as formal notice. Govern yourselves accordingly. 



Sincerely, XXXX XXXX

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: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I called everyday since XX/XX/XXXX trying to get this modification 6 people said I qualify 3 didn't know what they were talking about I did every thing they said thank they sent the paper work said its had to be back by XX/XX/XXXX and i got the paper work on the XXXX XXXX so thanks they said I didn't send it back in time im just frustrated and im done playing games my maturity date was XX/XX/year> and I had XXXX dollars left to pay but i didn't have it to give them so im trying to get it modified and they said I could and than when I called they told me I didn't and I didn't do it right i faxed it so they would get it right away I've been paying for 7 years on this car and now they are doing this to me Im just done frustrated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: VA

Complaint narrative:
ive been dealing with constant harassment in the form of calls, mail and text messages for YEARS because of a XXXX XXXX  i was unable to pay in the pandemic. you know the global pandemic where a lot of folks struggled to pay bills and maintain employment. 

instead of XXXX trying to communicate with me and resolve the matter, they pushed my overdue bill into the debt collection pile and I have been constantly harassed ever since. 

As of right now, I have record of them texting me regularly around XXXX XXXX. constant harassment. 

i was receiving phone calls, multiple a day until i eventually blocked the number theyd call from, or else i would be providing those screenshots in my complaint as well.

Company response to consumer: Closed with explanation