vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding Experians inaccurate and unauthorized reporting practices, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681b. Despite my attempts to resolve these errors directly with Experian, the inaccuracies persist, negatively impacting my credit history and financial reputation.

Issue : Incorrect Address Reporting Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Story : Experian has inaccurately listed my address as " XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, '' an address where I have never resided. This misinformation presents significant risks of identity confusion and potential fraud. 

Issue : Additional Incorrect Address Reporting Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Story : Another incorrect address, " XXXX XXXX  XXXX XXXX XXXX, CA XXXX, '' appears on my report. I have no association with this address, further complicating my credit profile and accuracy. 

Issue : Incorrect Late Payment Reporting ( XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX ) Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Story : Experian inaccurately reports a late payment on my XXXX XXXX account opened on XX/XX/XXXX. I have consistently made timely payments and dispute this incorrect information. Experian has not provided verification for this alleged late payment. 

Issue : Unauthorized Inquiry by XXXX  ( dated XX/XX/XXXX ) Law : FCRA Section 604 ( 15 U.S.C. 1681b ) Story : An unauthorized inquiry from XXXX dated XX/XX/XXXX is present on my credit report. I did not authorize or engage in any financial transaction with this entity, and its unauthorized inquiry negatively impacts my credit score.

Issue : Unauthorized Inquiry by XXXX XXXX ( dated XX/XX/XXXX ) Law : FCRA Section 604 ( 15 U.S.C. 1681b ) Story : Similarly, the inquiry from XXXX XXXX dated XX/XX/XXXX is unauthorized. I have never applied for credit or had dealings with this entity. Immediate removal is requested. 

Issue : Unauthorized Inquiry by XXXX XXXX XXXX ( dated XX/XX/XXXX ) Law : FCRA Section 604 ( 15 U.S.C. 1681b ) Story : The unauthorized inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX is also incorrect and unauthorized. I did not authorize this inquiry nor have any financial relationship with this organization. 

Given the seriousness of these inaccuracies, I respectfully request the CFPBs immediate intervention to ensure Experian complies with federal law and rectifies these errors swiftly. Your assistance will help restore accuracy and fairness to my credit report and safeguard my financial integrity. 

Thank you for your timely assistance and resolution of 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 2025-07-11 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Levon Gukasyan DBA Garman Financial
State: AL

Complaint narrative:
On XX/XX/year>, I attempted to pay my XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX payment plans, but it appears that my account has been charged off without proper consideration of my situation and prior communications. I have acted in good faith and have tried to resolve this matter amicably. 

Please review my account, including any documentation related to the charge-off decision. Additionally, I would appreciate any available options to rectify this situation and avoid it impacting my credit report further. I am willing to discuss potential payment arrangements or other solutions that could help. 

Please respond to this dispute within the time frame required by law. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for being so understanding.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
My vehicle was repossessed on XX/XX/XXXX XXXX, without any prior notice by phone, email, or mail. Nissan Motor Acceptance Corporation ( XXXX ) claimed they had attempted to call me multiple times, but they were calling a phone number that has not been mine since XX/XX/XXXX. I had already called and updated my number with them last year. Additionally, my father 's number is also on file as well as both of our emails, and they made no attempt to contact him either, despite him being listed on the account. 

On the following Monday ( XX/XX/XXXX ), I spoke to a representative at XXXX XXXX and was told that I could pay the full past due balance, late fees, and repossession fees, totaling {$2500.00}, and that once paid, I would owe nothing further and my account would be brought current. I made the payment, but the transaction was briefly declined by my credit card issuer due to a fraud alert. I approved the charge, and XXXX received the full payment. Despite this, they blocked my account access for over two weeks, refusing to unblock it even after receiving full payment. When I called on XX/XX/XXXX, and threatened to file a complaint, they finally unblocked my account. 

Upon logging into my account, I noticed a miscellaneous charge of {$150.00} that had never been mentioned at any point during the reinstatement process or during any conversation with XXXX. I called customer service to ask for an itemized breakdown of all fees, and was told that they could not provide one due to internal policy. I cited my rights under the Truth in Lending Act ( TILA ) and requested to speak to a supervisor. I was denied and eventually hung up on after being on the phone for over two hours.

I also sent a formal email complaint ( which I can provide as a document ), requesting a written explanation or breakdown of the charges. Their email response simply redirected me back to the same customer service number that had previously disconnected the call. This is unacceptable, and I consider it a clear case of predatory billing and a violation of my consumer rights. If XXXX refuses to tell me what the {$150.00} charge is for, they should not be adding it to my account without notice or explanation. 

Further, XXXX does not allow customers to change their payment due date if there is a balance or fee due, yet they allowed me to make a due date change, even though this unexplained {$150.00} charge had allegedly already been applied. This shows clear inconsistency in their policies and further supports that the fee was either improperly applied or backdated. 

XXXX has demonstrated a pattern of unjust billing, poor communication, and refusal to provide legally required information to a paying customer who has done everything required to bring the account current. I am filing this complaint to put this on record and intend to pursue legal action if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-11 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-07-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fr
aud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I received an email saying " Your access to external accounts has been temporarily suspended. Please contact us to restore your access to transfer services. '' I contacted them and was told they could not unfreeze the account for " at least two business days '' because it is " being reviewed for security. '' What does that mean? Nothing. I asked over and over and only could be told " being reviewed for security '' with no further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
This reporting is inaccurate and misleading. Continuing to report this account as a profit and loss write-off despite evidence to the contrary is a violation of my consumer rights.

Under the Fair Credit Reporting Act, you have legal obligations as a data furnisher : 15 U.S.C. 1681s-2 ( a ) requires that you report only accurate and complete information to credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) requires that upon notice of a consumer dispute, you must conduct a reasonable investigation and correct or delete any information that is found to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) obligates all entities involved in credit reporting to follow reasonable procedures to ensure maximum possible accuracy of information.

The continued reporting of this account as a charge-off or profit and loss write-off after its resolution is not only incorrect but potentially damaging to my creditworthiness and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reporting is inaccurate and misleading. Continuing to report this account as a profit and loss write-off despite evidence to the contrary is a violation of my consumer rights.

Under the Fair Credit Reporting Act, you have legal obligations as a data furnisher : 15 U.S.C. 1681s-2 ( a ) requires that you report only accurate and complete information to credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) requires that upon notice of a consumer dispute, you must conduct a reasonable investigation and correct or delete any information that is found to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) obligates all entities involved in credit reporting to follow reasonable procedures to ensure maximum possible accuracy of information.

The continued reporting of this account as a charge-off or profit and loss write-off after its resolution is not only incorrect but potentially damaging to my creditworthiness and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation