vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting a {$32000.00} account that is not mine. 
I have never had an account or loan with XXXX or XXXX XXXX. 
I disputed this account multiple times with Experian, Equifax, and TransUnion, but it keeps coming back as verified. 
I have requested proof of ownership and received none. 

This is a violation of the Fair Credit Reporting Act ( FCRA 611 and 623 ). 
I am requesting that the CFPB require XXXX XXXX to provide actual proof that I opened this account or remove the tradeline from all credit reports.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Complainant : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XXXX Date : XX/XX/year> Respondents : LVNV Funding LLC XXXX Resurgent Capital Services XXXX ( P.O. XXXX XXXX, XXXX, SC XXXX ) Experian XXXX XXXX XXXX XXXX ( P.O. XXXX XXXX, XXXX, TX XXXX ) Summary of Complaint I am filing this complaint for repeated violations of the FDCPA and FCRA. 
After sending a written Debt Validation Request on XX/XX/year>, LVNV/Resurgent responded only with generic account summaries, failing to validate under FDCPA XXXX ( b ). 
Experian subsequently deleted the accounts, confirming the dispute. 
However, on or about XX/XX/year>, the same LVNV/Resurgent tradelines were reinserted without notice or certification, violating FCRA 611 ( a ) ( 5 ) ( B ) and 623 ( a ) ( 1 ) ( A ). 

Despite multiple communications, LVNV/Resurgent continues to furnish unvalidated, inaccurate data and mail repetitive non-responsive summaries, causing damage to my credit reputation, emotional distress, and loss of credit opportunities.

Relief Requested Permanent deletion of all LVNV/Resurgent accounts from all credit bureaus.

Enforcement actions compelling both parties to comply with FDCPA 807 ( 8 ), 808, 809 ( b ) and FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ).

Written confirmation that these accounts are closed and will not be re-reported.

Civil penalties or corrective action as deemed appropriate. 

Attachments to XXXX XXXX. Debt Validation Request ( XX/XX/year> ) XXXX. XXXX Account XXXX letters ( XX/XX/year> ) XXXX. Proof of Deletion ( XXXX XXXX XXXX Report ) XXXX. Proof of XXXX ( XX/XX/year> Experian XXXX ) XXXX. XXXX Experian Report showing re-appearance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a verified victim of identity theft and filed FTC Identity Theft Report # XXXX, which lists XXXX XXXXXXXX XXXX XXXX as a fraudulent account. 

This account was previously removed from my Experian credit file after investigation but was reinserted without any notice or certified verification, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft information within 4 business days of receiving my report.

FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of previously deleted data without consumer notification.

FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher knowingly re-reporting false information.

FDCPA 807 and 809 ( 15 U.S.C. 1692e & 1692g ) Continuing to report disputed or fraudulent accounts without verification. 

The Experian record shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Original Balance {$1000.00} Status : Paid, Closed with XXXX and XXXX late marks Last Updated XX/XX/XXXX Closed + Late = Violation It is factually impossible for an account to be reported as Paid/Closed while also showing recent XXXX and XXXX late payments. 

Under the XXXX XXXX XXXX and FCRA XXXX ( b ), once an account is closed or paid in full, no new delinquency codes XXXX be reported. 
Reporting both statuses simultaneously creates a data-integrity error and a materially false representation of my credit history. 

This inconsistency violates : FCRA XXXX ( b ) failure to ensure accuracy ; FCRA XXXX ( a ) ( XXXX ) ( A ) reporting information known to be inaccurate ; and the XXXX XXXX manual, which requires the Account Status and Payment Rating fields to reflect XXXX = Paid as Agreed for closed accounts. 

Therefore, the XXXX XXXX XXXX  tradeline is inherently inaccurate and must be permanently deleted from my report.

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 2025-10-16 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: AR

Complaint narrative:
Ive asked for information on proceeds that were received from the refund of gap insurance. Ive asked for auction notifications because the vehicle may have been auctioned off. They have not sent me anything of any disposition or credits being applied to the balance that remained at the time of the car being recovered. Also, they have reported inaccurately across all three bureaus the times that I was late, The status of the loan. The balances are incorrect across all three bureaus, the time since 30 days or 60 or 90 past due are being reported incorrect. One bureau says its a charge off, the other bureau decided to remove it because they did not address the matter within 30 days, and the other bureau does not match with the one that it is. Information generally across all three bureaus does not match. The amounts of the loans dont match across three bureaus, the first time being late does not match across the bureau, the date of repossession or recovery does not match across the bureaus. The status of the loans do not match across the bureaus. You can not report a loan as a charge off, and then say its a repossession. It has to be either or. The company is not abiding by FCRA. And despite numerous attempts of requesting information that has not been sent. Ive requested that the bureau was running an investigation, it runs in the same day, and the remarks are the same under the accounts. Which proves that an investigation has not been given properly. The bureaus are just reverting from old information provided from the lender that is in accurate. Ive asked the bureaus to compare across all three was being reported, and they have not. I asked XXXX XXXX to correctly report the data and it still has not been correctly reported. The lender is also still reporting a delinquency every month when the loan was charged off as of last XXXX. You can not continue to report a payment late if the loan has been charged off. Its supposed to be reported as a charge off every month. Not a late payment this is destroyed my credit farther than it was in the beginning. If the loan is charged off, how can I be late on a payment.? Thats impossible. This loan has been reported late every since after the day of charge off. If its charged off as a bad debt, I can not be late. The lender already received proceeds towards that. I also asked for the tax documentation so I can file as a loss in my tax return. They have not sent any of that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
Ive asked for information on proceeds that were received from the refund of gap insurance. Ive asked for auction notifications because the vehicle XXXX have been auctioned off. They have not sent me anything of any disposition or credits being applied to the balance that remained at the time of the car being recovered. Also, they have reported inaccurately across all three bureaus the times that I was late, The status of the loan. The balances are incorrect across all three bureaus, the time since 30 days or XXXX or XXXX past due are being reported incorrect. XXXX bureau says its a charge off, the other bureau decided to remove it because they did not address the matter within 30 days, and the other bureau does not match with the one that it is. Information generally across all three bureaus does not match. The amounts of the loans dont match across XXXX bureaus, the first time being late does not match across the bureau, the date of repossession or recovery does not match across the bureaus. The status of the loans do not match across the bureaus. You can not report a loan as a charge off, and then say its a repossession. It has to be either or. The company is not abiding by FCRA. And despite numerous attempts of requesting information that has not been sent. Ive requested that the bureau was running an investigation, it runs in the same day, and the remarks are the same under the accounts. Which proves that an investigation has not been given properly. The bureaus are just reverting from old information provided from the lender that is in accurate. Ive asked the bureaus to compare across all three was being reported, and they have not. I asked XXXX XXXX to correctly report the data and it still has not been correctly reported. The lender is also still reporting a delinquency every month when the loan was charged off as of last XXXX. You can not continue to report a payment late if the loan has been charged off. Its supposed to be reported as a charge off every month. Not a late payment this is destroyed my credit farther than it was in the beginning. If the loan is charged off, how can I be late on a payment.? Thats impossible. This loan has been reported late every since after the day of charge off. If its charged off as a bad debt, I can not be late. The lender already received proceeds towards that. I also asked for the tax documentation so I can file as a loss in my tax return. They have not sent any of that

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 2025-10-16 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: MI

Complaint narrative:
XXXX is reporting inaccurate information regarding my first day of delinquency. This is a violation of the FCRA. Transunion reports my first date of delinquency XX/XX/XXXX and XX/XX/XXXX. Experian reports my first date of delinquency as XX/XX/XXXX. Equifax reports XX/XX/XXXX. I disputed the incorrect reporting via the XXXX with XXXX. The company said in their reply that my first date of XXXX in XX/XX/XXXX. Which is not being reported to the credit bureaus. All three credit bureaus alleged the company was verified as accurate but the did not do a thorough investigation or they would have found this error. This is a violation of 15 USC 1681. In accordance with the violation and lying about reinvestigation, I demand this account be deleted off my report. This is costing my a lot of damage to my credit report. I have disputed this account several time and no one openly investigated the errors. Instead this is proof that verification software was used which is not fair and reasonable under federal law. The credit bureaus and XXXX had plenty of time to fix there errors and they failed to do so. They have violated my rights and failed to provide with proper verification of complete and accurate information. Therefore pursuant to 15 USC 1681 delete this off my credit report. The 15 days have passed. I will taken further legal action and be sure to include all the years this incorrect reporting has reflected to the credit bureaus. There is a comment under his accounts claiming it complies with FCRA guidelines. This is a flat out lie with all the inconsistencies reported to all three bureaus. This is proof that none of these companies conducted an investigation at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander Bank has inaccurately reported XXXX XXXX late payments on my account, even though none of my payments have ever been late. This erroneous reporting began in XXXX. In fact, they have even reported XXXX late payments for XXXX and XXXX, which is not only inaccurate but also impossible, since the payments were made on time and the month of XXXX had not even past at the time it was reported, and as of now were are only halfway through XXXX. These happen each time Ive disputed the report, which now begins to feel like retaliation. 

They have told me many times, including their XXXX, XXXX ID # XXXX that it would be removed on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Unfortunately, this is the second time I've had to file a complaint against American Express for the same issue. In XX/XX/year>, I requested an advance of XXXX XXXX XXXX to help pay for a major trip. As of XX/XX/year>, I had paid back the miles in full and was not subject to paying a penalty of XXXX  cents per mile not paid back. On XX/XX/year>, I noticed that XXXX SkyMiles were deducted from my XXXX account. When I called XXXX, the rep said that American Express removed the miles, not XXXX. There's nothing in American Express ' benefits fine print stating that they would deduct the miles advanced. I have a letter from XXXX XXXX from last year saying that they made a mistake for a similar issue and credited the miles they deducted. Unfortunately, the American Express reps I spoke to were unable to find a solution or kept me on hold for too long as I got rolled over to a new agent and had to explain everything all over again,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. CFPB Complaint Formal Demand to Equifax Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) This is a formal demand that you, Equifax, immediately comply with your obligations under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). Specifically, you are required to block and remove within four ( 4 ) business days all information appearing on my consumer credit report that is the direct result of identity theft and fraud. 

The following fraudulent, inaccurate, and unlawful accounts/collections must be blocked without delay 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 
I have enclosed a list of these fraudulent items, as well as a copy of my FTC Identity Theft Reports ( Report Numbers XXXX and XXXX ) which serve as official confirmation by the XXXX Federal Trade Commission that the above accounts are fraudulent and the result of identity theft. 

These accounts, collections, and any related hard inquiries are not mine. I do not recognize them, and I hold your agency legally accountable for the continued reporting of false and fraudulent information. Under FCRA 605B, you are required to block this information from my credit file no later than four ( 4 ) business days from the date of receiving this complaint. 

Failure to comply will result in immediate escalation, including but not limited to : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Notification to the Federal Trade Commission ( FTC ), Pursuit of legal remedies for violations of the FCRA and damages caused by your failure to act. 

This is not a request. It is a statutory demand under federal law. You are hereby on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I have reported this accessibility electronic issue fir 4yrs now that their cyber hacking is illegal and against the law. They deliberately block accessibility to XXXX citizens who can not handwrite their disputes on paper or perform disputes by phone without TTY relay moderator support. Online access has been reported several times to be restored and is only gained access when reported to CFPB than shut off again every 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 2025-10-16 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: FL

Complaint narrative:
I am sending to formally dispute inaccurate inquiries that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EQUIFAX 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/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I am filing this complaint against Fay Servicing LLC because they were servicing my mortgage on behalf of XXXX XXXX, practicing predatory loan servicing. Falsifying court papers stating that I didn't live in my home, so that they could bypass my rights to a conciliation hearing, and rush a sheriff sale through. Not reporting payments, losing payments, sending correspondence to an unknown address after the due date or too close to the due date to respond. Adding excessive fraudulent charges to elevate payments, mismanaging XXXX funds. Fay Servicing XXXX is suing me in court and has a sheriff sale for my home scheduled for XXXX XXXX, even though the mortgage was sold to another company and the servicer was changed as well, sold at a higher amount than the original XXXX loan which was {$150000.00}, without a true account of payments and what is actually owed. My mortgage originated in XXXX for which I have receipts totaling over {$120000.00} via money orders, XXXX XXXX, certified funds, XXXX  funds in my possession. I also have the deed to my home which was mailed to me in XXXX due to a XXXX  sale that was not supposed to have taken place in XXXX and was sticken from the record without prejudice. I was unaware of the XXXX  sale, and was told that I needed to pay rent to the mortgage company, so I paid rent and continued to do so for XXXX XXXX  before receiving the deed to my home in the mail. I have been asking Fay Servicing XXXX for information on my loan and all they send is my original loan paperwork from XXXX and paperwork with multiple duplicate charges, copy and pasted monthly statements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was sent to XXXX XXXX from a finance company I applied to online and started correspondence with XXXX XXXX of XXXX XXXX he told me I was already approved and to come down to the dealership so I did long story short I was told I had to buy the extras that totaled XXXX extra on my loan and I refused I got up and walked out and they stopped me offered me a payment that was XXXX dollars higher than I wanted but I said ok they used high pressure sales tactics and didnt disclose my interest rate they had me sign electronically so I didnt read all my documents and ofcourse they didnt explain anything. By the time I got home and read my docs they had charged me more in finance than the entire cost of the car I ended up with a XXXX XXXX dollar loan on a XXXX XXXX dollar car. This is predatory lending at its finest. I went to the dealership and wasnt allowed to speak with the owner and they refused to cancel the overages. I have the contract and can back up everything I say I have a witness my girlfriend was with me and she saw everything that happened also

Company response to consumer: Closed with explanation