vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
I deny ownership of these accounts ; please remove them within 15 days per USC 1681g.

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 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX  has placed my auto loan account into a status where they refuse to accept any partial payments, even when I have attempted to pay what I can. They stated they will only accept the full past-due accelerated balance, which prevents me from catching up and is unreasonable.

I am an active-duty servicemember with a home of record in Louisiana. I submitted a hardship request and informed Santander of my rights under Louisiana Revised Statutes 29:312, which caps interest and finance charges at 6 % for active-duty military. Santander has either ignored this completely or failed to provide a lawful explanation for why they are refusing to comply.

Santander has also refused to provide : The reinstatement amount required to bring my loan current A clear explanation of why partial payments are being blocked Hardship options such as deferment, extension, or modification Written denial with legal justification regarding Louisiana RS 29:312 Their refusal to take payments puts me at risk of repossession even though I am trying to resolve the issue. This appears to be unfair, abusive, and potentially illegal servicing behavior.

I am requesting the CFPBs assistance in compelling Santander to : Provide the reinstatement amount Accept reasonable payments Conduct a proper hardship review Provide a written determination regarding RS 29:312 Correct any improper interest charges Halt repossession activity during review I have attempted to resolve this directly, and Santander has not cooperated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
The disputed item contains false details that mischaracterize my financial conduct. I kindly ask that it be corrected and updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
Arivo I have purchased a car and come to find out the car was never actually fixed. It was patched and I had paid on the car XXXX years and the dealership Outage general dealership told me that the car wasn't even pumping all through the motor and they were gon na have to redo all of that and it was someone patched the work up on the car reached out to the finance people which wasArivo And explained to them and told them I couldn't pay on a car had already didn't miss any payments for XXXX years, but I couldn't keep paying on the car and spending XXXX and {$3000.00} a month and so we kind of made an agreement for them to take it back and then when they took it back, they said that it was a repo And on my XXXX card I had never missed a payment. I was one payment late and they like triple my monthly payment and so I was just paying on them every month like XXXX {$60.00} every month every month and they were actually increasing my balance every month and it was like I would pay anything on the account and so I just stop paying them and since I stopped paying XXXX card with XXXX. I have never missed a payment and citizen. Decrease my limits to like {$100.00} {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Dear Sir/Madam, I am writing to file a dispute regarding several accounts that are inaccurately reported on my credit reports. These disputes pertain to charged-off accounts and inquiries that I believe require further investigation under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed items, separated by credit bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}

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 2025-11-28 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: KY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-28 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:
I am not attached to these accounts ; kindly eliminate them within 15 days following USC 1681g.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: NJ

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX Transactions were made via Klarna and defaulted on. These transactions were made with an account set up with a similar name to mine and D.O.B, however the email, mailing address, and phone number didn't match. Klarna in the back end linked my account that was currently in good standing to this defaulted account. This account has sent been sent to collections and I was told that in order for me to use my account I would have to pay off the balance from an existing account that is not mine. The amount is about {$200.00}. This is a complete breach of my privacy and personal data if this person has access to my personal and banking information since Klarna linked the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
This is not a minor dispute. Multiple accounts on my credit report are being reported without the maximum possible accuracy required by 15 U.S.C. 1681e ( b ). These inaccurate tradelines have persisted despite my attempts to correct them and are causing real, measurable harm to my credit score, financial opportunities, and peace of mind. I review my file regularly and will not tolerate continued reporting of information that can not be verified to the statutory accuracy standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I am requesting Experian to investigate and correct multiple accounts and inquiries that appear inaccurate or unverified on my credit report. 

Charged-Off Accounts Under Dispute XXXX  XXXX Acct : XXXX {$3800.00} ( XX/XX/XXXX ) XXXX XXXX Acct : XXXX {$0.00} ( XX/XX/XXXX ) XXXX  Acct : XXXX {$14000.00} ( XX/XX/XXXX ) XXXX  Acct : XXXX {$4500.00} ( XX/XX/XXXX ) XXXX XXXX XXXX Acct : XXXX {$5500.00} ( XX/XX/XXXX ) I dispute the accuracy and completeness of all the above information. Please provide proper validation, including account ownership and payment details. 

Bankruptcy Reporting Under Dispute Bankruptcy Ref XXXX Reported XX/XX/XXXX I dispute this bankruptcy as currently reported. Please provide verification from the court including docket number and filing records. 

Hard Inquiries Under Dispute I do not recognize or did not authorize the following : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( three entries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Please remove any inquiries that can not be verified as authorized. 

Late Payments Under Dispute I dispute the accuracy of the late entries for : XXXX XXXX XXXX XXXX XXXX ( two entries ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX These do not match my records. Please verify using actual account payment histories.

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 2025-11-28 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:
. 
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-28 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: HI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 did not request this account and dispute the entire entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase has committed a serious failure in compliance and duty of care by closing a prior CFPB complaint ( ID : XXXX ) based on demonstrably false and non-existent merchant refund claims. My previous complaint detailed two primary issues that remain unresolved and have resulted in my account being unjustly overdrafted and compromised.

1. XXXX  XXXX Dispute ( Claim # XXXX ) : I disputed a charge from XXXX because the goods were never delivered. I provided Chase with confirmation from XXXX that the tracking number was invalid and the package did not exist.

Chase initially credited the disputed amount, but then reversed the credit, causing my account to overdraft.

In their official response to the CFPB, Chase falsely stated that the merchant " issued credits on their own on XX/XX/year>, and XX/XX/year>, '' and that my account was " made whole. '' I NEVER received these alleged refunds, and my transaction history at Chase Bank confirms NO such credits, reversals, or refunds were ever posted. The merchant, XXXX, refunds to the original payment method, meaning

Chase has definitive proof that these refunds do not exist on my account. Chase 's conclusion is based on false information and a failure to verify their own records. I should not be required to " prove a negative '' to counter Chase 's unsubstantiated claim. The burden of proof to show these merchant refunds were posted to my account rests solely with Chase Bank. They failed to provide this proof upon my request in the complaint feedback. 2. XXXX XXXX  XXXX  XXXX Dispute ( # XXXX ) : In addition to the above, Chase also reversed a separate, undisputed claim of $ $ {$86.00} from the merchant XXXX XXXX XXXX  where I paid for a trading account and never received the promised email confirmation or login credentials. This charge remains reversed and the funds uncredited, despite a complete lack of service delivery.

Chase has acted outside of their established dispute resolution process by reversing a valid chargeback, over-drafting my account, and attempting to close a federal consumer complaint by providing false information to the CFPB. I am now forced to file a new complaint to address Chase 's failure to conduct a proper and truthful investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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:
This fraudulent account was added without proper verification.

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 2025-11-28 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation