vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-31 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: OK

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-31 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: IN

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
In early 2025, I discovered that an account for {$12000.00} managed by XXXX XXXX XXXX XXXX was being reported on my personal credit report as an individual collection. However, this debt is actually a corporate obligation of XXXX XXXX XXXX, as demonstrated by the underlying recruitment agreement, where I signed solely as a representative without a personal guarantee. 

On XX/XX/2025, I sent a Debt Validation Letter via Certified Mail to XXXX XXXX XXXX XXXX, which was confirmed delivered on XX/XX/2025. In that letter, I requested that the collector provide any documentation showing personal liability or a personal guarantee. Despite my request, I received additional collection emails on XX/XX/2025, and XX/XX/2025, demanding payment from me personally. 

Subsequently, I disputed the account with both XXXX and Experian, including copies of my Debt Validation Letter, delivery confirmation, and excerpts from the recruitment agreement clearly indicating that XXXX XXXX XXXX is the contracting party. Despite these efforts, both credit bureaus have maintained the inaccurate listing, incorrectly attributing a corporate debt to me individually. 

XXXX XXXX XXXX ( XXXX KB ) : Proof that my dispute letter to XXXX was sent via certified mail, confirming receipt. 
XX/XX/XXXX Mail XXXX ( XXXX KB ) : Documentation of a relevant mailing related to my dispute process, further supporting the timeline of my actions. 
Experian XXXX XXXX ( XXXX KB ) : XXXX that my dispute letter to Experian was sent and received via certified mail. 
Letter to XXXX.docx ( XXXX KB ) : The dispute letter I sent to XXXX, detailing why the collection account is inaccurate and should be removed. 
Letter to Experian.docx ( XXXX KB ) : The dispute letter I sent to Experian, outlining the evidence that the debt is a corporate obligation of XXXX XXXX XXXX and not my personal responsibility. 
Letter to XXXX XXXX ( XXXX KB ) : The letter sent to XXXX XXXX XXXX XXXX requesting debt validation and highlighting their failure to provide any evidence of personal liability. 
XXXX XXXX XXXX ( XXXX KB ) : The underlying recruitment agreement, with highlighted excerpts showing that XXXX XXXX XXXX is the contracting party and that I signed solely as a representative without a personal guarantee. 
XXXX XXXX XXXX XXXX XXXX ( XXXX KB ) : The XXXX XXXX mail receipt confirming that my Debt Validation Letter was delivered to XXXX XXXX XXXX XXXX on XX/XX/2025.

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 2025-03-31 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: TX

Complaint narrative:
In early XXXX I discovered that an account for {$12000.00} managed by XXXX XXXX XXXX XXXX was being reported on my personal credit report as an individual collection. However, this debt is actually a corporate obligation of XXXX XXXX XXXX, as demonstrated by the underlying recruitment agreement, where I signed solely as a representative without a personal guarantee. 

On XX/XX/2025, I sent a Debt Validation Letter via Certified Mail to XXXX XXXX XXXX XXXX, which was confirmed delivered on XX/XX/2025. In that letter, I requested that the collector provide any documentation showing personal liability or a personal guarantee. Despite my request, I received additional collection emails on XX/XX/2025, and XX/XX/2025, demanding payment from me personally. 

Subsequently, I disputed the account with both TransUnion and XXXX, including copies of my Debt Validation Letter, delivery confirmation, and excerpts from the recruitment agreement clearly indicating that XXXX XXXX XXXX is the contracting party. Despite these efforts, both credit bureaus have maintained the inaccurate listing, incorrectly attributing a corporate debt to me individually. 

TransUnion XXXX XXXX ( XXXX KB ) : Proof that my dispute letter to TransUnion was sent via certified mail, confirming receipt. 
XX/XX/XXXX Mail XXXX ( XXXX KB ) : Documentation of a relevant mailing related to my dispute process, further supporting the timeline of my actions. 
XXXX XXXX XXXX ( XXXX KB ) : XXXX that my dispute letter to XXXX was sent and received via certified mail. 
Letter to Transunion.docx ( XXXX KB ) : The dispute letter I sent to TransUnion, detailing why the collection account is inaccurate and should be removed. 
Letter to XXXX ( XXXX KB ) : The dispute letter I sent to XXXX, outlining the evidence that the debt is a corporate obligation of XXXX XXXX XXXX and not my personal responsibility. 
Letter to XXXX XXXX ( XXXX KB ) : The letter sent to XXXX XXXX XXXX XXXX requesting debt validation and highlighting their failure to provide any evidence of personal liability. 
XXXX XXXX XXXX ( XXXX KB ) : The underlying recruitment agreement, with highlighted excerpts showing that XXXX XXXX XXXX is the contracting party and that I signed solely as a representative without a personal guarantee. 
XXXX XXXX XXXX XXXX XXXX ( XXXX KB ) : The XXXX XXXX mail receipt confirming that my Debt Validation Letter was delivered to XXXX XXXX XXXX XXXX on XX/XX/2025.

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main financial has misled me multiple times a supervisor even said that the call mightve been recorded. Ive been harassed called multiple times a day back to back to back. Ive been threatened by a manager. I have been misled multiple times by this company. This company wont take any accountability theyre fraud XXXX people. I requested for them to stop calling me multiple times starting back in XXXX. They continue to call back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several XXXX XXXX loans on my TransUnion report which are a result of identity theft. these accounts were not opened by me. Please remove all possible finance loans from my TransUnion report. 

XXXX possible finance account in total to be removed.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX I was booking Airline Tickets to fly to XXXX from XXXX Arkansas. XXXX came in as the cheapest option and opted to use them as my airline. When directed to go on there site they had an offer from AMEX to use there card and receive a {$200.00} reduction on the flight plus extra airline bonus points. I decided to see if I would be accepted so I applied and was approved. Next on XXXX website a screen popped up for payment however it froze and after some time I refreshed the page. It took me to the original payment section. I received an email from Amex with a temporary card number so I called XXXX XXXX and asked what to do. HE Directed me to use my card and I would receive all the promised points and welcome bonus. After some time passed nothing they said would be given showed up in my account so I reached to AMEX and now there saying they will not give me the welcome bonus. I would have used a different card and received a welcome bonus from another card instead of there's had I known! I called them to verify and they told me I was good to get it! Now I cant cancel my flight and was lied to but AMEX on the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander Bank still receives payments by paper check frustrating customers after checks are misplaced and payments not processed. 

I have a HELOC account # XXXX with Santander Bank since XXXX. Unfortunately, my payments to the account are unfairly delayed due to the fact that the bank till today is not set up electronically to receive my XXXX authorized payments. Payments made from my Bank XXXX XXXX checking account to the Santander XXXX account are still processed by way of paper checks taking as long as 7 days after payments are authorized. 
The result is that some of my payments are posted on the XXXX account late incurring unjust finance charges although money has cleared my BOA account before the due date. This has happened several times and with this issue getting worse and worse. I incur unfair late charges as a result. 

Currently I have an issue where the HELOC payment due date was XX/XX/XXXX has not posted although payment has cleared my XXXX XXXX XXXX account since XX/XX/XXXX. Santander Bank is assessing me unfair finance charges as a result. XXXX electronic payments process in 1 day and are more secure than XXXX paper check payments. 
The irony of this is that Santander Bank stopped sending paper statements to me without my consent and preferred sending electronic notices of monthly statements. However, the bank wont set up electronic XXXX receiving. 

My efforts to resolve issue is frustrating as well. 
Customer service phone lines not reliably clear frustrating communications where Santander bank staff repeat back inconsistent statements to me clearly indicating that the Banks phone system is not clear or unreliable. 

Santander Bank needs to set up electronic XXXX receiving and so that payments are secure and posted without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
am writing to formally dispute fraudulent accounts and/or transactions that have appeared on my credit report due to identity theft. Pursuant to 15 U.S.C. 1681c-1 ( 605B ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the blocking of fraudulent information from my credit file, as this information is the result of identity theft and was not authorized by me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I disputed the accuracy of an account Portfolio Recovery Associates is attempting to collect. I also formally requested proper debt verification. In response, they provided only a partial statement that does not match the amount they claim is due. The balance and transactions listed are inconsistent with what theyve reported. Additionally, they have not proven that they have the legal right to collect on this alleged debt via chain of custody, or purchase agreement with the original creditor. 

These documents do not constitute a valid contract or agreement, are non-responsive to my validation request, and do not demonstrate that Portfolio Recovery Associates has the legal authority to collect this debt. Under the FDCPA, it is unfair and unlawful to attempt to collect an alleged debt in any amount not expressly authorized by a valid agreement or permitted by law. Portfolio Recovery Associates are attempting to collect a debt without sufficient legal validation/verification and in violation of federal consumer protection laws. 

Additionally, they have failed to cease and desist collection efforts and have continued reporting this unvalidated debt to consumer credit reporting agencies, including XXXX, XXXX, and XXXX. Under 15 U.S.C. 1692e ( 8 ), this constitutes a false, deceptive, and misleading representation to communicate credit information that is known or should be known to be false. 

Furthermore, my personal information was disclosed to a third party without my consent, a serious violation of both the FDCPA and privacy protections. 

This does not meet the standard for debt verification under the Fair Debt Collection Practices Act ( FDCPA ). Since they failed to validate the debt, they are not legally allowed to report it to credit bureaus or pursue collection activity. Their continued attempts to do so are a violation of my consumer rights.

Company response to consumer: Closed with explanation