vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I identified multiple inquiries that I did not authorize, initiate, or recognize. these inquiries nor permitted any party to conduct these inquiries on my behalf. These entries are clearly erroneous and constitute either a serious reporting violation or potential identity misuse. Here 's the list of inquiries i would like to be removed. 

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 These inaccurate items are causing immediate and unwarranted harm to my credit standing. Under the Fair Credit Reporting Act ( FCRA ), the reporting entities are legally required to ensure accuracy and maintain proper verification of all information they publish. At this time, they have failed to meet those obligations. 

I am requesting that the CFPB intervene and compel the responsible furnishers and credit bureaus to provide strict verification of each disputed entry. Any item that can not be conclusively substantiated as belonging to me must be removed without delay. I am prepared to provide all supporting documentation and expect a prompt and thorough investigation, as my rights under federal law are being adversely impacted.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am unaware of this debt, I did not have the opportunity to dispute this debt, I havent received proper notification, if in-fact that you believe i received proper notification please provide the certified mail with a receipt with my signature on it stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
I am filing this report because I have been the victim of identity theft. On XX/XX/2025, I was served court papers for an account that I did not open and have no connection to. Stating that I owed over $ XXXX. I want to make it absolutely clear that I have never in my life opened, applied for, or maintained any credit accounts of any kind. I have never had a credit card, a loan, or any other form of credit. The account in question was created without my knowledge or consent and is entirely fraudulent. I did not authorize it, I did not benefit from it, and I deny all responsibility for it. I am an innocent victim of identity theft. 

I provided, via court response and certified service to the creditor and the courts, a copy of my FTC identity theft report, and yet the company did not stop the court collection process and trying to go through arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HW Holding, Inc
State: TX

Complaint narrative:
According to 15 USC 1692c you have violated my rights in lawful communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In XXXX, I closed my Bank of America checking account after returning to XXXX. I was informed by the bank that the remaining balance would be transferred to me and that a PIN code would be emailed within XXXX  days so that I could withdraw the funds using my debit card. 

I never received the PIN code. Since my phone number and email changed after leaving the U.S., I am unable to access any verification required for the transfer. 

I attempted to resolve this multiple times : I sent several emails to Bank of America representatives but received no response. 
Each time I called the customer service line from XXXX, I waited on hold for around XXXX minutes before the call dropped. 
A friend visited the XXXX, XXXX  branch on my behalf, and they advised that I might need a XXXX  verification appointment, but no further instructions were provided. 
The bank has not offered any alternative way for me to receive the remaining balance. 

As of today, I still can not access the funds that Bank of America stated would be transferred to me. I am requesting assistance so the remaining balance can be sent to my bank account in XXXX through any available verification method.

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 monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management XXXX XXXXXXXX XXXX XXXX  XXXX RE : Dispute and Validation Request for Account # XXXX I am requesting a full investigation and validation of the account listed in this notice. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
I ordered food online, the server crashed. I called in my order and I, still had to repay and I couldnt get a refund in person they told me the order didnt show on their side its a cash app problem. So I paid half cash and card. Dispute it on cash app it denied it. I started appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Duplicate and inaccurate reporting by Santander Consumer USA / Santander Bank N.A.

Santander changed its company name and transferred my auto loan from Santander Consumer USA to Santander Bank, N.A. I entered a settlement agreement and made my final payment on XX/XX/year>. 

Despite this, BOTH accounts are reporting negatively : Santander Consumer USA : XXXX : Charge-off / bad debt ( This account should be closed and deleted as a duplicate. ) Santander Bank, N.A. : XXXX  : Charge-off XXXX  : Payment after charge-off/collection XXXX  : Account legally paid in full for less than full balance This is incorrect and duplicative reporting, which violates FCRA 602 and FCRA 623. 

I only had XXXX loan. Santander is reporting XXXX separate charge-offs for the same account, which is causing double damage to my credit. 

Additionally, the settlement paid on XX/XX/year> requires the account to reflect : {$0.00} balance Paid Settled No open charge-off/collection language

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 


XXXX XXXX - Balance : {$710.00} - Date Opened : XX/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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is incorrect in my credit report the address is incorrect and the phone numbers are incorrect also Id like to correct them and remove all incorrect negative account that hurting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is incorrect in my credit report the address is incorrect and the phone numbers are incorrect also Id like to correct them and remove all incorrect negative account that hurting my credit

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Jim Bottin Enterprises, Inc
State: MI

Complaint narrative:
I canceled my gym membership with edge fitness in XXXX they gave me their guidlines to cancel and I did what they told me and they told me I didnt live XXXX miles from the gym which I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  Experian XXXX  incorrect information on credit 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  TransUnion incorrect information on credit 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 2025-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX tn XXXX XX/XX/year> XXXX XXXX ] XXXX XXXX XXXX XXXX tn XXXX Re : Request for Debt Validation Account No : [ XXXX ] To Whom It May Concern, I am writing in response to your collection activity regarding the account referenced above, which you have reported to the credit reporting agencies. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide the following : The name and address of the original creditor. The full account number associated with this alleged debt. A copy of the original contract, agreement, or other documents bearing my signature that makes me legally obligated to pay. A complete accounting of the alleged debt, including principal, interest, fees, and how they were calculated. Proof that you are legally authorized to collect this debt in my state and on behalf of the original creditor. Documentation showing your ownership of, or assignment to, this debt. Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with the credit reporting agencies ( XXXX XXXX XXXX XXXX  ). Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). If you can not provide proper validation, you are required to delete this account from all consumer credit reports and cease any further collection activity. Please consider this letter a dispute of the alleged debt in its entirety. This letter is being sent via certified mail, return receipt requested, and a copy is being retained for my records. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I am really overwhelmed because I keep seeing these inaccurate accounts on my credit report and they still have not been removed. I am begging for the documents I attached to be reviewed carefully so I can finally stop stressing about this nonstop.

Company response to consumer: Closed with explanation