vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this second complaint against Equifax due to its continued failure to correct serious and legally significant errors in the reporting of a XXXX  XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXXXXXX ). I previously submitted a formal dispute on XX/XX/XXXX, clearly outlining the inaccuracies, yet Equifax has not made any corrections.

Among the most critical issues : The account shows a CO charge-off the same month as the Date of First Delinquency ( XX/XX/XXXX ), with no legal 306090 day progression. 

There is no Account Closing Date, which is mandatory. 

The XB dispute code is missing, although the account is under reinvestigation.

The Payment Rating field is absent.

The data is inconsistent with the reporting of Experian and TransUnion, violating the legal expectation of consistency under 1681s-2 ( a ) ( 1 ) ( A ).

These errors directly violate : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete inaccurate data after dispute 15 U.S.C. 1681s-2 ( b ) failure to correct or verify 15 U.S.C. 1681i ( c ) omission of dispute indicator XB Let me be clear : this is not just a clerical issue it is destroying my emotional stability.

I feel like Im shouting into a void. I did everything right : I disputed in writing, I provided supporting documents, and I exercised my rights under the law. And yet, Im being ignored. Every time I check my credit and see this false account still there, I feel defeated. I cry. I lose sleep. I can not plan for my future. Ive experienced anxiety attacks, deep emotional distress, and have felt utterly powerless. My mental health has deteriorated under the weight of this unresolved error.

I am trying to rebuild my life financially, emotionally, and personally but this account is holding me back. I am exhausted and mentally overwhelmed by a process that should be fair, transparent, and just. This is harming my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OneMain Finance Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
On XX/XX/XXXX I received notification via text and email that a minimum payment was being applied. I immediately went into the website and made full payment. Note their website does not have an option to apply full balance on autopay you have to contact customer service to do that. They did not apply the full payment until the next day and charged me the full interest.

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 2025-06-16 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-16 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Account number : XXXX  Your NAME : XXXX XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX, I recently checked my credit report and discovered an account with your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. My wet signature of a contract with you company.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I was told I needed a {$3000.00}. Down payment.This wasnt applied to the loan, but added to the price.I was also told to obtain insurance within 30 days or I ' be charged {$86.00} more on my monthly note of $ XXXXI obtain insurance ( liability ) however, it was said I needed full coverage and I'll have to pay .I was told I needed to sign an app to give them access to my bank accounts for ( Proof of Address ) reasons.. I was give the XXXX of XX/XX/year> to start my first payment.I attempted to pay on XX/XX/XXXX ( an oversight ) They wouldnt accept it and repossessed the car from my residence that night, XX/XX/XXXX at XXXXXXXX XXXX I was mailed a payment coupon to pay {$770.00} by the XXXX of XXXX. But I dont have the car...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AZ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-06-16 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: AZ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-06-16 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:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Notice Failure to Block Fraudulent Accounts and Inquiries RE : Identity Theft Dispute under XXXX XXXX Code XXXX To Whom It XXXX Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX. As per the law, you are required to block fraudulent information within XXXX ( XXXX ) business days upon receipt of proper identity theft documentation. 
I previously submitted the following documents : - Government-issued ID - Proof of address - Identity Theft Affidavit and/or Police Report - Statement clearly identifying accounts I did not open or authorize Despite prior notification and full documentation, unauthorized XXXX XXXX inquiries still appear on my credit file dated XX/XX/year>. 
I demand the following actions be taken immediately : XXXX. XXXX and permanently remove all listed fraudulent XXXX  and inquiries under XXXX. 
XXXX. Provide written confirmation within XXXX ( XXXX ) business days. 
XXXX. Disclose the names of all furnishers notified about the block. 
If unresolved, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action under XXXX and XXXX of the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: SD

Complaint narrative:
western union is run by XXXX XXXX XXXX  who cant speak XXXX the XXXX in there mouth is futile to understand? Plus even more reckless and inapt, they cant comprehend the issue, then give XXXX backwards replies that dont pertain? They have screwed up my account before, and seem to be unwilling or to XXXX  to fix there problems they created, I had to reregister twice in 4 days still useless, they have some idiotic software problems that doesnt recognize my billing address for my debit card, that was already saved and used many times before????? Plus they retaliated when there inept XXXX employees refused to recoup and/or reverse a XXXX  amount that went to a deadend account, only they can email XXXX  and demand a refund, SO that put me in a rage, so I got my refund back from the bank, then they got XXXX  and blocked my account, then kept lying that my account active? How XXXXXXXX XXXX are they, blocked account and active at the same time? There mobile wallet app is garbage doesnt work? There website or software is garbage doesnt work wont recognize my billing address that has been there for 8 months now? NOBODY competent there to fix anything or get accountable? Amazing how these clowns know who I am the the XXXX XXXX XXXX when I sent a cash pickup to the XXXX, They should be put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
PLEASE REMOVE THE FRAUDULENT ACCOUNTS XXXX XXXX XX/XX/year> {$500.00} AND XXXX XXXX XX/XX/year> {$4100.00}. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND IT WAS OPEN WITHOUT MY AUTHORIZATION. AS A VICTIM OF IDENTITY THEFT, I REQUEST THIS ACCOUNT BE BLOCKED AND REMOVED FROM MY CREDIT REPORT IN ACCORDANCE WITH 605B OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am requesting a goodwill adjustment for the removal of 30- and 60-day late payments from XXXX on a closed and paid Santander auto loan XXXX account ending in XXXX ). 

On XX/XX/XXXX, I contacted Santander and spoke with two representatives. The first, XXXX in Customer Support, created Case ID XXXX. I was then transferred to a supervisor named XXXX in the Management department, who created Case ID XXXX. 

The call lasted from XXXX XXXX  to XXXX XXXX. I explained that I was not disputing the accuracy of the reporting, but requesting a one-time goodwill adjustment based on financial hardship I experienced at the time. The loan has been resolved, and Ive been working to rebuild my credit. 

The supervisor informed me that Santander does not offer any form of courtesy waivers and that the late payments will stay on the account as reported. I am asking the CFPB to assist in reviewing this matter fairly and to encourage Santander to consider flexibility for responsible customers requesting goodwill consideration on closed accounts.

Company response to consumer: Closed with non-monetary relief