vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC
State: TN

Complaint narrative:
I asked to adjust payments that fits my payment schedule over the phone and over email for XXXX XXXX with asset recovery XXXX. This company bought this loan and they agreed for me to pay half of the {$600.00} I owed. They received {$50.00} and the debt went to {$550.00} left instead of {$250.00}. Now, I asked to please work with me but the company was rude. They didnt try to work with me and suggest to start it over. I have an email, thread to prove this. They kept calling and sending emails. 

When I asked for my money back, they will not send it back. Even though they sent a validation letter, I do not see anything to prove they bought this debt and when I put them in for the complaint, the company did not pull up. So, is this a real debt collector? I am very disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MS

Complaint narrative:
I am writing to request a renewed reinvestigation of the following derogatory accounts appearing on my Experian credit report, which have been disputed previously but remain unresolved. I continue to believe these accounts reflect inaccurate or unverifiable payment information, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to request that Experian review these items again. 
Accounts in Dispute : XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} These accounts continue to report late payment history that I believe is either inaccurate or can not be fully substantiated. I am requesting that Experian obtain complete and original documentation from the creditors to verify each reporting detail. If the information can not be confirmed, I request that the entries be corrected or removed as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
In XX/XX/year>, the account was charged off after the vehicle associated with the loan was sold at auction. However, I have not received a clear explanation or a full breakdown of how the auction proceeds were applied to the outstanding balance. I requested full validation of the debt, including details on the amount owed, interest, and additional fees, but the company has not provided sufficient documentation to justify the reported balance. Additionally, I filed an identity theft claim that was denied without a clear explanation regarding the insufficiency of my documentation. The inaccurate and unverifiable information continues to negatively impact my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Subject of Complaint : Inaccurate and Inconsistent Credit Reporting by [ SYNCB/BELK DUAL CARD ] on my credit reports at XXXX XXXX XXXX XXXX 

Complaint Summary : I am filing this complaint against [ SYNCB/BELK DUAL CARD ] for reporting materially inconsistent and unverifiable late payments across the XXXX major credit bureaus. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ) and 611, which require the reporting of information with the maximum possible accuracy. 

I have disputed this account directly with each credit reporting agency. I am now requesting the CFPB to enforce deletion of this account due to its unreliable, conflicting, and unverifiable reporting. 

Evidence of Inconsistencies : ( have also attached credit reports ) The same account is showing different delinquencies across bureaus : The reporting of this account contains numerous inconsistencies across XXXX XXXX XXXX XXXX  from XXXX through XX/XX/year>. In XX/XX/year>, XXXX reported the account as XXXX days late, while both XXXX XXXX XXXX reported it as only XXXX days late. In XX/XX/year>XXXX XXXX again reported XXXX days late, while XXXX XXXX XXXX  both showed only XXXX days late. In XX/XX/year>XXXX XXXX  reported the account as XXXX days late, whereas both XXXX XXXX XXXX showed it as XXXX days late. 

The inconsistencies continue into XX/XX/year>, where XXXX reported the account as XXXX days late, while both XXXX XXXX XXXX reported XXXX  days late. In XX/XX/year>, XXXX showed no data for this month, but both XXXX XXXX XXXX reported the account as XXXX days late. Then, from XXXX through XX/XX/year>, both XXXX XXXX XXXX reported the account as XXXX days late each month, while XXXX consistently reported only XXXX days late during that same period. 
These records do not match and therefore can not be verified or trusted under FCRA standards. Each bureau has different data for the same account and payment months, clearly showing inaccurate furnishing of data. 


Attached : XXXX Report XXXX Report XXXX  Report Thank you for your time and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXX * * * * XXXXNT - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX30 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Unauthorized Hard Inquiries by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX FCRA Violation To Whom It May Concern, I am filing this complaint to report unauthorized hard credit inquiries placed on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 



Inquiry Information : Creditor Name # XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Creditor Name # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Credit Bureau Reporting the Inquiries : TransUnion TransUnion File Number : XXXX Nature of the Complaint : Under FCRA 604 ( a ) ( 3 ), a hard inquiry can only be made when a consumer : Applies for credit or financing, Provides written or verbal authorization, or Initiates a transaction that lawfully requires a credit review. 

In my case, I did not apply for credit, lease, or financing with either of these companies. I did not authorize them, in writing or verbally, to pull my credit report. These hard inquiries were made without my knowledge or consent and have negatively affected my credit score.

Applicable Legal Violations : FCRA 604 ( a ) No permissible purpose to access my credit file.

FCRA 616 & 617 Provide for statutory and actual damages in cases of willful or negligent noncompliance.

FCRA 602 Protects the accuracy, fairness, and privacy of credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX CRED - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was behind on payments but called XX/XX/year> and made a {$420.00} payment. The representative took my information but never applied it to my account ( bank card/ACH information ). The website said that I had until XX/XX/year> to make my payment of {$120.00}, but instead of giving me that opportunity, they called my account due and accelerated the full amount although it stated in the last RIGHT TO CURE LETTER that the amount would be accelerated once the payment was returned SEVEN DAYS after the due date. The payment was NEVER returned and I didn't have the opportunity to pay the amount that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NV

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NV

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax Information Services LLC for willfully reporting inaccurate, outdated, and unverifiable information on my credit report. Despite my dispute under the Fair Credit Reporting Act ( FCRA ), Equifax failed to remove or correct the following accounts in violation of FCRA XXXX ( b ) and XXXX ( a ) : XXXX XXXXXXXX XXXX * * Charge-off * * This account reflects a {$0.00} balance but is still marked as a charge-off. Equifax has not provided any evidence to validate the accuracy or legal enforceability of this item. There is no open creditor relationship, no current debt, and no permissible purpose to continue reporting this derogatory item. This violates the FCRAs requirement to maintain accurate and verifiable information. 

XXXX XXXX XXXX * * Charge-off * * This account is obsolete, shows a {$0.00} balance, and lacks supporting documentation. I never received any validation of this account, and Equifax failed to delete it within the legal XXXX timeframe. Continued reporting of unverifiable negative data is a clear breach of FCRA XXXX ( a ). 

XXXX XXXX XXXXXXXX * * Charge-off * * This account is reporting a {$11000.00} charge-off without any valid documentation or signed agreement. I have requested proof of this debt, and Equifax has not furnished any evidence to support the claim. This reporting is misleading, harmful, and violates my consumer rights under FCRA XXXX ( b ). 

These inaccurate entries are seriously damaging my creditworthiness and limiting my access to financial opportunities. Equifax has demonstrated negligence and noncompliance by failing to perform a reasonable investigation and refusing to delete unverifiable information. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax for FCRA violations and take enforcement action. I also request that Equifax be required to delete the inaccurate charge-off accounts listed above and provide written confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: WI

Complaint narrative:
I applied for a mortgage loan loss mitigation back in XXXX of XXXX. I received a couple letters back in XXXX and the lasted on XX/XX/year>, stating I was approved for XXXX XXXX XXXX XXXX and it would reduce my payment. It also stated within XXXX  days I would receive the paperwork. I did not receive any paperwork until XX/XX/year>, which was XXXX  months later, making me more deliquent, as I couldn't pay anything until everything was reviewed. 

This paperwork was NOT for the XXXX XXXX XXXX XXXX, instead for a XXXX XXXX XXXX, which INCREASED my payment, not decreasing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief