vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint against Midland Credit Management for continuing to report a collection account related to XXXX on my TransUnion credit report. 

I submitted a formal dispute on XX/XX/year>, requesting validation of this account, including a signed agreement, billing history, and proof of assignment from XXXX. I received no response. 

This account is not showing on XXXX or XXXX  raising concerns about its accuracy and legitimacy. 

Midland Credit is violating : FCRA 1681s-2 ( b ) : Failure to validate or respond to dispute FCRA 1681e ( b ) : Inconsistent and unverifiable reporting FCRA 1681c-2 : Right to block unverifiable 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 2025-07-23 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

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 2025-07-23 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: MS

Complaint narrative:
I am requesting deletion of a Santander Consumer USA account due to serious FCRA and Metro 2 violations. This account is a repossession with inconsistent reporting and no proper validation provided. 

On XX/XX/year>, I sent a formal FCRA 623 dispute directly to Santander requesting post-sale accounting, repossession notice, and deficiency balance validation. They failed to respond or mark the account as disputed with any bureau. 

Here are the specific violations : Conflicting Payment Status Across XXXX XXXX : " Payment after charge off '' EX : " Legally paid in full for less than full balance '' EQ : " Charge-off '' This violates Metro 2 reporting rules.

Failure to Flag the Account as Disputed After my 623 letter, the account is still not marked as disputed. This violates FCRA 623 ( a ) ( 3 ).

Missing DOFD + No Payment History ( TU ) TransUnion reports None Reported under payment history a major data omission. 

No Proof of Deficiency Balance or NOI Santander has failed to validate or verify post-sale accounting under UCC Article 9, meaning the negative reporting is unsubstantiated.

This inaccurate reporting is harming my credit profile and violates the FCRA, Metro 2 standards, and UCC 9-616. I request this account be fully deleted from all consumer reports due to failure to respond and multiple ongoing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: UT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed my account for a fake reason " Activity on account indicative of high risk of failure to pay '' and stole thousands of dollars of cash rewards. The contract is therefore unconscionable.

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 2025-07-23 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report a collection account from XXXX XXXX XXXX ( original creditor : XXXX ) even after receiving my dispute dated XX/XX/year>. 

This account is not reported on Experian or Equifax, and no documentation or reinvestigation results have been provided.

TransUnion is in violation of : FCRA 1681e ( b ) : Inaccurate and inconsistent reporting FCRA 1681i ( a ) : No evidence of reinvestigation FCRA 1681c-2 : Right to block unverifiable data within 4 business days

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am the primary borrower, and I was not contacted directly prior to repossession. I had recently moved, and my address was not updated in their records. My co-signer ( my mother ) had her phone number placed on a " Do Not Call '' list and has refused to communicate or assist, which the lender is aware of. I was also previously able to apply for financial hardship relief without her signature, but this time I was denied that option, which further contributed to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. I identified the specific accounts in question and outlined the violations impacting my consumer report. It has now been over 30 days, and I have yet to receive a response. Attached are copies of all letters previously sent.

This company is in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ) ( B ) for failing to mark the disputed account as in dispute.

Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity '' it should reflect the last date a payment was made, not any arbitrary or re-aged date.

Moreover, the company has repeatedly failed to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), further violating consumer rights in accordance with FTC guidance.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. I identified the specific accounts in question and outlined the violations impacting my consumer report. It has now been over 30 days, and I have yet to receive a response. Attached are copies of all letters previously sent.

This company is in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ) ( B ) for failing to mark the disputed account as in dispute.

Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity '' it should reflect the last date a payment was made, not any arbitrary or re-aged date.

Moreover, the company has repeatedly failed to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), further violating consumer rights in accordance with FTC guidance.

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 2025-07-23 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
received a notice about an account, I know I don't owe. When i reached out to the company to ask questions, they asked personal information such as my address, and social. I explained I am uncomfortable providing my information over the phone to a company I know I do not owe money too, they representative informed if I can not give them the information they seek then they can not help me. When I provided the reference number she continue to request my address and social and I refused she hung up. I called back and I was automatically hung up on. I waited a few days and was able to reconnect with a representative and then was told if I don't comply they will just put it on my credit. I asked for a validation of debt, to obtain details and the representative to continue to go on about how I owe it and I will pay it, that the company is admit about me owing it. They have since place it on my credit without verifying the debt it even mine. I tried calling again before filing this complaint and they was hung up on. i was able to advise I was recording the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

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 2025-07-23 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
This is a continuation from my complaint that I filed earlier this month. I finally recieved a call from XXXX with Mr. Cooper after months of being told they could not speak to me. XXXX informed me the underwriters did not understand that I had XXXX jobs and also that my loss mitigation request was going to expire in 2 days. Now they had been receiving paystubs from both my full-time job and my part-time job for several months and they are just now telling me they are confused 2 days before my request was about to expire. I recieved several documents from Mr. Cooper saying they had all the information they needed and requested more time in order to review my documents. They have had since XX/XX/year> to respond to my request. It was Mr. Cooper 's fault I fell behind due to the fact that for the 2nd time they did not protect my personal information and I was subjected to credit cards taken out in my name, banking issues and unemployment benefits claim just to name a few. I had to take a day off work in order to get the loss mitigation documents resent to Mr. Cooper for the 3rd time. When I spoke to XXXX she asked how I knew my information had been compromised I told her Mr. Cooper sent me a letter after the fact I had already been hit. It was strange that I got a phone call after I emailed the CEO of the company with the several contradicting letters I had received form Mr. Cooper over the past 2 days. Mr. Cooper should do the right thing and honor my loss mitigation request.

Company response to consumer: Closed with explanation