vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IA

Complaint narrative:
Inaccurate accounts are reporting to my credit file

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 2025-11-04 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: GA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-04 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am writing to dispute certain inaccuracies in my credit report provided by Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to the accurate and complete reporting of my credit information. After reviewing my credit report, I have identified multiple accounts with inaccurate and incomplete information. Specifically, the following accounts are being disputed due to potential violations of the FCRA and data breaches : Accounts in Dispute : XXXX. XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX Discrepancies : The reported balance is incorrect, and the status of late payments is misleading. It appears to be marked as " Charged Off '' or " Collection, '' but this information has not been fully explained, violating the FCRA 607 ( b ) for incomplete reporting. Additionally, there is potential data breach exposure on this account. 
XXXX. XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX Discrepancies : The account is reported as " Collection '' and " Charged Off, '' but I have no record of the original creditor or agreement terms. This raises a concern for possible data breach and failure to verify under FCRA 611. 
XXXX. XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} Date Opened : XX/XX/XXXX Discrepancies : The account shows as a " Medical '' collection but lacks verification under FCRA 609 ( a ) ( 1 ). This is an incomplete reporting of the account history, and the status should be corrected to reflect the accurate reporting.

Requested Actions : In compliance with FCRA regulations, I request the following : 1. Verification of all disputed accounts : Please provide copies of all documentation used to verify these accounts, including the original creditors information and any correspondence regarding these disputes.

2. Investigation and Correction of Inaccurate Information : Correct the inaccuracies related to account balances, dates of last activity, and late payments. Any information that can not be verified as accurate must be removed from my credit report.

3. Protection Against Data Breach : I request that Equifax confirm the security measures in place to protect my personal and financial data, as the inaccuracies and data breaches noted in these reports may expose my private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment records on my credit report that I believe are inaccurate. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my credit file must contain only information that is verified, accurate, and complete. I am therefore requesting that these reported late payments be investigated, and if they can not be verified as correct, that they be updated or deleted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Santander Consumer USA, the servicer of my XXXX auto loan ( initiated on XXXX XXXX XXXX under a 0 % interest agreement ). 

At the start of the loan, I made an inadvertent error in linking my bank account information. This issue was promptly corrected, and I have since made all required payments in full and on time. However, despite being in good standing, Santander Consumer USA has refused to allow me to re-establish AutoPay using my verified bank account. 

Instead, the servicer insists that I make payments exclusively through third-party platforms such as XXXX or XXXX XXXX, each of which imposes additional processing fees. These fees are not disclosed in the original loan terms, and no legitimate reason has been provided for denying access to a standard AutoPay option via a bank account. 

I have made numerous good-faith attempts to resolve this matter through customer support : During a live chat, a representative attempted to direct me to a nonfunctional AutoPay setup page. 

After that failed, I was told to call the customer service line. 

Over approximately four hours of cumulative calls, I have received inconsistent and contradictory explanationssome representatives claiming AutoPay can not be enabled until four to five manual payments have been made ( incurring fees each time ), and others abruptly terminating the call without resolution.

This pattern of conduct appears to violate basic principles of fair lending and loan servicing.

The refusal to enable standard AutoPay functionalitywhile imposing fees for all alternative payment methodscreates a coercive and burdensome payment environment that penalizes the consumer and may constitute an unfair or deceptive servicing practice. 

I am requesting that the CFPB investigate this matter and ensure that Santander Consumer USA is in compliance with all applicable federal consumer protection and fair lending laws. 

Please advise if additional documentation, account records, or communications are needed to support my complaint. 

Thank you for your attention and prompt consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-04 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

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 explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate and XXXX credit score is very important to me. Upon reviewing it, I noticed several inaccurate and false accounts being reported under my name. This is the first time I am disputing these errors, and I want to make it clear that they do not belong to me. Its extremely stressful and disheartening to see incorrect information affecting my credit and misrepresenting my financial history.

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 2025-11-04 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: GA

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. These entries may contain errors or inaccurate information XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$960.00} XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXXXXXX, XX/XX/XXXX, {$3700.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$330.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$190.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$870.00} I am also disputing the following inquiries on my TransUnion report : 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  I also have positive accounts listed XXXX which I do not dispute : XXXX  XXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am disputing the late payment reported with XXXX  XXXX, XXXX, which I would like to have reviewed.

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 2025-11-04 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXXI have a high credit limit ( XXXX XXXX XXXX  ) Charged a deposit for an apartment XXXX XXXX XXXX  . Chase Paid half of the amount . Made me look terrible and Lost the apartment. Called Chase and I have to learn an other language to understand their accent.They hire people from another country that you can't understand.I filled a complaint on their XXXX  site but is one of very many.unanswered. How do they get a license to operate in the XXXX? Please read their XXXX  site. I phoned XXXX XXXX XXXX  but the experience is not something you would believe . XXXX XXXXThanks"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase freedom card that I have been using for almost 10 years is closed by chase without notices. I recently have disputes against literally 2 merchants along the years of the card. I have always paid on time and have an excellent FICO history. 

The XXXX merchant is a XXXX  who refused to provide services and was witnessed by my successing XXXX  and his charges were disputed. During the dispute process, gardener impersonated himself as a neighbor and reported my vacant property as a short term rental to the city. Chase supported me on this merchants dispute. 

The XXXX merchant is the citys citation processing center, which citated me XXXX  times without investigation and just did XXXX search. Fortunately, I went to the court and got a winning judgement against the city and proved the city is wrong on that. 

City doesnt provide response to pay for the winning judgment and hence I disputed the charges the citation center has charged me, XXXX of them from this single merchant. 

And, suddenly, my XXXX plus years card is closed with the statement that I have excessive disputes. I dont think disputes against XXXX merchants and a winning judgement supports my claim are excessive. I request explaination why a loyal and punctual customer like me would receive closure of account like this. 

I dont think I have any other disputes last year entirely, and may be one dispute before XXXX.

Company response to consumer: Closed with explanation