vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
A collection account that does not belong to me is being reported on my credit reports. I have never opened this account, authorized it, or had any relationship with the original creditor or the collection agency. 

I have already disputed this account multiple times with the credit bureaus and with the furnisher. Despite notifying them that the account is inaccurate, they continue reporting it without providing any valid proof that the debt is mine. The credit bureaus have not conducted a reasonable investigation, and the furnisher has failed to provide any documentation verifying ownership of the debt.

This violates : FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( a ) reporting information they know or should know is inaccurate FDCPA 1692e false or misleading representation of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request to Update Address on My Credit File Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address listed above. 
Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Remove fraudulent addresses : XXXXXXXX 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 XXXXXXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name and information were used to set up a fraudulent account or credit line. As a result, my credit score was adversely affected.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This account was charged off on XX/XX/2024. This account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include an active payment history, making it look like it's updated and current. This inaccurate information falsely manipulates the statue of limitations. You fail to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of the following account XXXX Account number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This account was charged off on XX/XX/year>. This account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include an active payment history, making it look like it's updated and current. This inaccurate information falsely manipulates the statue of limitations. You fail to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of the following account XXXX Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint against VyStar Credit Union for inaccurate, misleading, and harmful credit reporting related to an auto loan for a vehicle that was sold to me fraudulently with pre-existing flood damage. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX Within XXXX hours, the vehicle became completely inoperable. XXXX technicians documented long-term corrosion, electrical failure, CAN-block corrosion, and clear signs of prior flood exposureall of which predated my purchase. 

XXXX XXXX also confirmed in writing that the damage was old, pre-existing, and NOT caused by any recent incident. 

Because the vehicle was sold under fraudulent conditions, I immediately notified VyStar and voluntarily surrendered the vehicle within the first week, before any payments were due. VyStar : Never titled or registered the vehicle Took possession Later auctioned it Began reporting derogatory information, including : Voluntary surrender ( XX/XX/XXXX ) XXXX past due ( XX/XX/XXXX ) Charge-off ( {$9300.00} ) as of XX/XX/XXXX This reporting is factually incorrect, incomplete, and misleading. 
The vehicle was returned due to confirmed fraud, not non-payment, neglect, or misuse. 

I filed disputes with the credit bureaus and submitted evidence, including : XXXX XXXX XXXX report showing pre-existing water damage XXXX  coverage denial letter confirming long-term corrosion State of Florida motor vehicle fraud XXXX filed XXXX complaint filed Affidavit of dispute Despite receiving evidence, VyStar continues to report this as a standard repossession and charge-off, which is inaccurate and harms me financially as a 100 % XXXX veteran. 

I am requesting that the CFPB compel VyStar to : Conduct a full investigation under FCRA 623 Correct or delete the inaccurate reporting Provide written confirmation of the results This negative reporting resulted solely from undisclosed dealer fraud and is not an accurate representation of my credit 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 2025-11-19 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Sunday XXXX at XXXX my friend XXXX XXXX had sent me the amount of {$20.00} to my old cashapp account XXXX XXXX  that I dont have any access to anymore! He was supposed to send it to my new cashapp account but accidentally sent it to my old account instead of my new account! I called cashapp and spoke to them and they were no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing a complaint for predatory auto lending practices by Santander XXXX  USA. 

I have a XXXX  XXXX XXXX financed at an APR of XXXX  % with a balance of {$18000.00} and a payment of $ XXXX. My credit score at the time was XXXX, which does not justify a subprime XXXX  % interest rate. 

The vehicle currently has XXXX miles, and its value is approximately {$6000.00} {$8000.00}, meaning the loan amount far exceeds the fair market value. This loan meets multiple criteria for unfair lending, loan-to-value abuse, and ability-to-repay violations. 

Santander is currently under several state settlements for similar predatory loans, including cases where they approved consumers for loans they knew were unaffordable. 

Based on federal and state consumer lending laws, I am requesting : -a review for unfair / predatory lending, -interest rate reduction, -balance adjustment or contract correction, -or relief from the loan due to unfair underwriting. 

Please investigate Santanders decision to charge a XXXX  % APR to a borrower with fair credit and an unaffordable payment ratio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the following accounts that appear on my TransUnion credit report. XXXX. XXXXXXXX XXXX  ( Account # XXXX ) The account is being reported inaccurately. It is listed as an open account when all collection accounts must be reported as closed. Status information is missing, and the date opened does not match any original creditor information. This violates FCRA accuracy standards.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name and information were used to set up a fraudulent account or credit line. As a result, my credit score was adversely affected.

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 2025-11-19 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information XXXX. XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00} XXXX. XXXX  Open Date : XX/XX/XXXX XXXX : {$11000.00} XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : {$5300.00} XXXX. XXXX & XXXX ( Collection for XXXX  ) Open Date : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$350.00} XXXX. XXXX Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) Fraudulent inquiries XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
1. I was in an active modification process with my prior servicer ( XXXX XXXX ). 
While my loan was serviced by XXXX XXXX, I was informed that no payments could be made until my modification review was completed. 
Any attempt to pay was blocked because the account was locked during the modification process. 
Because of this, no payments were due, and no delinquency could occur. 
2. XXXX XXXX never sent me monthly statements or delinquency notices. 
During this period : I received no billing statements I received no delinquency notices I received no past-due warnings This confirmed that payments were not expected until the modification was finalized. 
3. PHH began servicing the loan and immediately stated I was delinquent. 
PHH sent me a notice claiming I was XXXX months delinquent shortly after the loan transferred to them. 
This was incorrect, because : I could not make payments while the modification was pending No bills or delinquency notices had ever been sent A delinquency could not legally or operationally exist at the moment of transfer PHH stated that this delinquency transferred over, but based on the facts, this is impossible. 
4. PHH then issued a pre-foreclosure notice.

PHH escalated the matter by issuing a pre-foreclosure letter, even though : no valid delinquency existed I had never received prior notice PHH had not provided any documentation to support the delinquency This caused significant confusion and concern.

5. I submitted a Notice of Error to PHH. 
I formally disputed the delinquency and requested : billing statements payment histories notices allegedly sent transfer documents escrow and transaction details PHH responded without providing the required documents, and instead only sent a copy of my modification from the previous servicer. 
They did not include : the 6 months of statements they claim were delinquent any delinquency notices any proof of missed payments any explanation of how a delinquency existed while payments were blocked 6. PHH reported a late payment on my credit report.

After I submitted my Notice of Error, PHH : told me to wait for a response then reported a late payment to the credit bureaus before resolving or addressing the issue This has damaged my credit and created further confusion.

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 2025-11-19 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: MN

Complaint narrative:
In XXXX, my XXXX XXXX credit card and installment loan were charged off and closed. However, Experian, XXXX XXXX XXXX  are reporting new past due amounts new late payments, and updated balances in XXXX. This is illegal re-aging under the Fair Credit Reporting Act ( FCRA ). No payments or activity occurred after the charge-off, yet the bureaus updated the " date updated, '' " past due, '' and " balance '' years later. This makes the accounts look newly delinquent and increases my utilization. I disputed the accounts with all XXXX bureaus, but they verified the inaccurate data without correcting it. I am requesting proper investigation and correction.

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 2025-11-19 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: CA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-11-19 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:
The investigation did not fix an error on your report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Regional Management Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding my recent experience with Regional Finance in XXXX, Texas. I called to inquire about renewing my existing loan and spoke with XXXX XXXX. During our conversation, she failed to disclose essential information about the new loan terms. She did not inform me that the loan included collateral, yet she later listed two televisions and a tablet computer as collateral, items she completely made up, as we never discussed any of my property. The only question she asked about my assets was whether I owned my home, and I answered yes.

She also did not disclose the requirement for property insurance, which she later stated could not be canceled. This mandatory insurance was never mentioned during our initial conversation.

Throughout the call, she omitted key information that should have been provided upfront. She only described the loan as a way to consolidate my debts, stating that I could include three credit cards and my previous loan with them. At no point did she disclose the collateral she invented or the mandatory property insurance.

When I questioned these issues, she told me that I should already know because I was a previous customer. Whether or not I have prior experience is irrelevant, it is her responsibility to clearly and accurately explain all loan terms so that I can make an informed decision. 

Given the lack of transparency, I am requesting to cancel the property insurance or change the loan type to one that does not require unnecessary collateral or unwanted insurance or cancel the whole loan.

I feel that essential information was withheld, and the interaction was misleading and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I needed a short term loan to catch up on some household bills, got behind beacuse of being in a serious Car accident. 

This company is nothing but a predator of people in need, The were very unclear about their 249 % interest. they have not allowed me to change payment methods so I can authorize auto payments. This loan has a different legal name on the paperwork, not my name. It was a {$2000.00} note and I have paid {$1300.00} as of XXXX and they say I still owe {$3200.00} dollars. 
I have notified the XXXX and my bank to stop any further withdrawls from my bank. 
From what I have researched 249 % is not legal in the State of Alabama or any other state for that matter. 
I Thank You,

Company response to consumer: Closed with explanation