vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, and Experian for their repeated and willful failure to comply with the Fair Credit Reporting Act ( FCRA ). I have sent multiple rounds of disputes regarding fraudulent and obsolete accounts, on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time the credit bureaus have failed to conduct a reasonable investigation as required by law. They have simply returned my disputes as " verified '' without providing any proof or documentation to substantiate this claim. 

The following inaccurate, fraudulent, and obsolete accounts continue to appear on my credit reports due to the bureaus ' negligence : US DEPT ED Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  - Account Number XXXX These accounts violate federal law in several ways. I have no contractual relationship with these collection agencies, and their presence on my report is the result of identity theft. I have filed an FTC Identity Theft Report to document this crime. 

Furthermore, the US DEPT ED account is well beyond the 7-year reporting period and is legally obsolete. 

The bureaus ' actions constitute multiple violations of my rights : FCRA Section 605a is violated by the continued reporting of the US DEPT ED account, which is past the statutory 7-year limit for reporting negative information. 

FCRA Section 623a1A is violated by the furnishers of the collection accounts for reporting information they know or should know is inaccurate, as evidenced by conflicting data and statuses across the three credit bureaus.

FCRA Section 611e is violated by Equifax, TransUnion, and Experian for failing to follow reasonable procedures to ensure the maximum possible accuracy of the information in my file. Their failure to identify obsolete data and conflicting information proves their investigation process is deficient. 

FCRA Section 1681c-2 is violated because the bureaus are required to block information resulting from identity theft upon notification, which I have provided. By continuing to report these fraudulent collection accounts, they are ignoring my rights as a victim of identity theft. 

FCRA Section 611a1 is violated because the bureaus failed to conduct a reasonable reinvestigation of my disputes. Simply accepting an electronic verification from a data furnisher without requesting substantive proof does not meet the legal standard of a reasonable investigation. 

This continued reporting of fraudulent and obsolete information is severely damaging my creditworthiness, causing me significant financial and emotional distress, and preventing me from accessing fair 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 2025-12-22 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: OH

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, and Experian for their repeated and willful failure to comply with the Fair Credit Reporting Act ( FCRA ). I have sent multiple rounds of disputes regarding fraudulent and obsolete accounts, on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time the credit bureaus have failed to conduct a reasonable investigation as required by law. They have simply returned my disputes as " verified '' without providing any proof or documentation to substantiate this claim. 

The following inaccurate, fraudulent, and obsolete accounts continue to appear on my credit reports due to the bureaus ' negligence : US DEPT ED Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  - Account Number XXXX These accounts violate federal law in several ways. I have no contractual relationship with these collection agencies, and their presence on my report is the result of identity theft. I have filed an FTC Identity Theft Report to document this crime. 

Furthermore, the US DEPT ED account is well beyond the 7-year reporting period and is legally obsolete. 

The bureaus ' actions constitute multiple violations of my rights : FCRA Section 605a is violated by the continued reporting of the US DEPT ED account, which is past the statutory 7-year limit for reporting negative information. 

FCRA Section 623a1A is violated by the furnishers of the collection accounts for reporting information they know or should know is inaccurate, as evidenced by conflicting data and statuses across the three credit bureaus.

FCRA Section 611e is violated by Equifax, TransUnion, and Experian for failing to follow reasonable procedures to ensure the maximum possible accuracy of the information in my file. Their failure to identify obsolete data and conflicting information proves their investigation process is deficient. 

FCRA Section 1681c-2 is violated because the bureaus are required to block information resulting from identity theft upon notification, which I have provided. By continuing to report these fraudulent collection accounts, they are ignoring my rights as a victim of identity theft. 

FCRA Section 611a1 is violated because the bureaus failed to conduct a reasonable reinvestigation of my disputes. Simply accepting an electronic verification from a data furnisher without requesting substantive proof does not meet the legal standard of a reasonable investigation. 

This continued reporting of fraudulent and obsolete information is severely damaging my creditworthiness, causing me significant financial and emotional distress, and preventing me from accessing fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-22 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: NJ

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 ( XXXX ), before the end of the XXXX 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 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 2025-12-22 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: NJ

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is listed as original creditor on my credit file i have done no business with these folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an XXXX XXXX is being used to verify my disputes and that is not a reliable source for verification! I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for : Accounts : 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  Please remove these fraudulent accounts from my consumer report without delay!!

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 2025-12-22 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/year>, I attempted to purchase a used vehicle from XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX  ) using an auto loan through Navy Federal Credit Union. The dealership deposited the lenders check before the sale was finalized. I never signed a final Buyers Order or Bill of Sale, and I never took delivery of the vehicle. 

After multiple issues arose during the transaction, including undisclosed major repairs and mechanical concerns, the dealership unilaterally canceled the sale on XX/XX/XXXX. I was informed that the deal was terminated and that the vehicle was no longer being sold to me. 

Despite canceling the transaction, the dealership has not returned the loan proceeds to Navy Federal Credit Union. As of XX/XX/year>, my bank account still reflects an active loan balance of approximately {$21000.00}, even though I do not have possession of the vehicle and the sale was canceled by the dealer. 

I contacted Navy Federal Credit Union multiple times. They confirmed that no funds have been returned by the dealership, and they stated that the loan can not be closed until the dealer sends the payoff. The bank advised me to escalate the matter and suggested filing a police report.

I contacted the dealership directly and provided written notice requesting that the funds be returned within 48 hours. The dealership did not respond. When contacted again, the dealership stated that the matter was between me and the bank and advised me to get a lawyer. 

The dealership has since re-listed the same vehicle for sale, despite still holding the loan funds from my canceled transaction. 

As a result : I am being reported as having an active auto loan for a vehicle I do not own I am accruing interest on a loan tied to a canceled sale I have been denied the ability to obtain alternate financing I am experiencing financial harm and credit risk

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Inquiries [ No inquiries listed for Equifax ] Late Payments XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts on my TransUnion credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

CHARGED OFF ACCOUNTS : XXXX, XXXX, XX/XX/XXXX, {$150.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$180.00} XXXX, XXXX, XX/XX/XXXX, {$10000.00} LATE PAYMENTS : XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I expect you to carefully INVESTIGATE my formal writ composed STATEMENT of UNPROVEN Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH and ACCURACY. Ownership, full liability and responsibility for your actions, or compliance with all regulatory requirements that mandate immediate action to repair any violation of the law. Complete, accurate and compliant reporting of METRO 2 data fields is a legal requirement! To be clear : there must not be any notation or aspect of the report that is incomplete or inaccurate. Federal laws mandate that all potentially damaging or derogatory reporting MUST be substantiated by IRREFUTABLE testimony. Ensuring the physically verifiability of the CONFIRMED manual validation of any item. Upon the filing of this complaint, please return to or retain federally lawful reporting and immediately annul all allegations made against me as they lack physical evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Deer Creek Lending
State: CO

Complaint narrative:
Online advertising for this loan popped up when I needed to cover VET expenses. No where did the application process say how much XXXX the loan would be, how much monthly payments would be, and acsess to the website was blocked for the first week as my virus detector labeled it a phishy website and unsecure. Upon finally calling for a second time to speak with someone they were able to get me acsess to my client portal showing that my XXXX dollar loan has a yearly APY of XXXX XXXX. Meaning that by making the Full XXXX payments on the loan would end up costing {$8900.00}. 

I made my first payment early, about XXXX days after getting the loan, I made a payment of {$270.00} once processed that payment only paid off XXXX CENTS of the principal balance. 

On the phone their operator claimed that the interest rate changes XXXX. 

None of this information was able to be reviewed before agreeing to the loan. I was in a tough money situation and now I am in an even more DIRE situation. 

These people are crooks and should not be allowed to prey upon people in need. At least present me with the payment plan, APR rates, and applicable information BEFORE prompting me to accept the loan. I WOULD OF NOT ACCEPTED! 

They hide the fine print, make it impossible to acsess the website, send nothing in the mail as paperwork, and have a terrible customer service department.

Company response to consumer: Closed with explanation