vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Ally Financial regarding a XXXX late payment inaccurately reported on my credit file for auto loan account # XXXX. 
On XX/XX/year>, Ally Financial approved a Payment Extension Agreement for my loan. Per the terms of the extension and conversations with Ally representatives on XX/XX/XXXX, XXXX, and XXXX, I was told I did not need to make my scheduled XX/XX/XXXX payment. I was advised that as long as I made the minimum extension payment of {$500.00} within 10 days of the agreement date, no negative consequences would occur. 
I relied on these assurances and made the required payment within the timeframe. Allys Extension Disclosure also confirms that new delinquencies should not occur if the borrower complies with the extension agreement. 
Despite fully complying, Ally Financial reported a XXXX late payment to the credit bureaus. This inaccurate reporting has negatively affected my credit standing. 
After contacting Ally repeatedly over several months, I was told by more than XXXX supervisor that the situation would be investigated and corrected. However, no follow-up occurred, and the derogatory mark remains on my report. 
Following Ally 's guidance, I filed disputes with all three major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX. Allys internal team still denied the correction, despite the clear supporting documentation. 
This misreporting violates the Fair Credit Reporting Act ( FCRA ) requirement to report accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TN

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 2025-04-25 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:
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 non-monetary relief
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I received a letter from Santander Bank dated XX/XX/year>, which I received on XX/XX/year>. The letter stated that both a checking and a savings account had been opened in my name. On XX/XX/year>, I called Santander Bank for clarification. After several transfers, a representative named XXXX informed me that I should call back in two to three days to check if the accounts had been closed. I requested confirmation or to speak with someone who could verify that the accounts were indeed closed, but he advised me to notify the police.

Additionally, I had already placed credit freezes on all three credit bureaus and had noted that I had been a victim of identity theft.

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 2025-04-25 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: PA

Complaint narrative:
I originally took out a loan with XXXX. They transferred it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I received a letter from them that my loan is fully paid off. It was a loan that was half payed to you at once, and the other half put into a savings account, which you will then receive the money for once the loan has been paid XXXX XXXX XXXX  XXXX. As stated by XXXX the loan has been paid in full. XXXX wondering where the other half of my loan is I should be paid, if it is indeed paid in full, as stated. I was sent a check dated XX/XX/XXXX ( the ship date ) in an envelope with no explanation and only a stale check past 180 days that cant be cashed, this money was owed in XX/XX/XXXX. Yet Im sent that now, they dont want me to have the funds. In addition, the other half of the loan is {$2500.00} in the savings account, I wasnt even sent the full amount? This is extremely suspicious, and presents numerous legal issues. I was told they are issuing me a new check, but they refused to put it in writing. In addition, the loan has been reporting as {$2500.00}, when it is in fact a loan of {$4500.00}, as stated by the confirmation letter, fully paid.

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 2025-04-25 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 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 explanation
Consumer complaint received 2025-04-25 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX, TX XXXX\nXXXX\nXXXXXXXX\nXXXX\nDate: XXXX2025\n\nTo:\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX\nXXXX, DC XXXX\nor submitted via: https://www.consumerfinance.gov/complaint/\n\nSubject: Formal Dispute and Complaint Against Credit Bureaus for Reporting Inaccurate/Unverifiable Collection Accounts\n\nTo Whom It May Concern,\n\nI am filing this formal dispute and complaint with the Consumer Financial Protection Bureau regarding the failure of the credit reporting agencies (Experian, TransUnion, and Equifax) to remove inaccurate, outdated, and/or unverifiable collection accounts from my credit reports in violation of the Fair Credit Reporting Act (FCRA).\n\nI have previously disputed the following collection accounts directly with the credit bureaus, but they continue to remain on my credit file despite being inaccurate, incomplete, or unverified. Under 15 U.S.C.  1681i, credit bureaus are required to conduct a reasonable investigation and delete any information that cannot be verified within 30 days. They have failed to comply with this obligation.\n\nThe collection accounts listed below do not meet FCRA accuracy standards, and either:\n\nAre not mine\n\nAre the result of identity theft or errors\n\nWere not properly validated by the data furnisher\n\nHave missing or inaccurate information\n\nAre reporting past the legal statute of limitations for reporting negative information (7 years for most items under 15 U.S.C.  1681c)\n\nAccounts in Question:\n\n XXXX XXXX XXXX Account #XXXX Reason: Not mine/No validation\n\nDEPT OF ED/XXXX  Account #XXXX XXXX \nReason: No validation \n\nXXXX XXXX XXXX   Account #XXXX  Reason: Not mine/No validation\n\nXXXX XXXX XXXX   Account#XXXX Reason: No validation\n\nXXXX XXXX   Account#XXXX Reason: No validation\n\nXXXX XXXX XXXX XXXX  Account#XXXX Reason: No validation\n\nXXXX XXXX  Account#XXXX  Reason: No validation\n\nI am requesting immediate removal of these accounts from my credit reports and a thorough investigation into the credit bureaus practices regarding these entries. I have attached supporting documentation, including:\n\n\nIdentification and proof of address\n\n\nThis matter has caused significant harm to my credit standing and financial well-being. If these items are not permanently removed and this matter not resolved swiftly, I will consider escalating further with legal counsel and filing a formal complaint with the Federal Trade Commission (FTC) and State Attorney General.\n\nPlease investigate and respond accordingly. I expect a response within the timeframe required by law.\n\nSincerely,\nXXXX XXXX XXXX\n\nAttachments:\n\nGovernment-issued ID\n\nUtility bill or lease (proof of address)'

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 2025-04-25 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$2400.00}, XXXX XXXX * * * * Balance : {$4300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XFINITY ) XXXX * * * * Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$260.00} & XXXX XXXX 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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have sent a letter requesting information as to the debt who owns the debt. Collection company replied with some of the information not all of the information they have not sent over an assignment of contract, showing their own this debt and they are allowed to collect on 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 2025-04-25 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: NJ

Complaint narrative:
This is a formal and urgent request for the immediate removal of an unauthorized credit inquiry that continues to appear on my credit report. 

I have made several attempts to address this issue, including speaking directly with a representative who assured me that the inquiry would be removed. Despite this, it remains on my report. I did not authorize this inquiry, nor did I initiate any application that would justify it. 

This unauthorized access is deeply concerning, and I fear it may be a sign of potential identity theft. It is not only damaging my credit score but also placing unnecessary stress and uncertainty on my financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct 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 non-monetary relief
Consumer complaint received 2025-04-25 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:
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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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 2025-04-25 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-25 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
Complaint Summary Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX ) [ XXXX XXXX XXXX XXXX ] ( Debt Collector ) Timeline & Key Facts : Contract Initiation ( XX/XX/year> ) : Paid Credit Shield {$14000.00} over 37 months for debt validation services. 

The contract required them to Validate/delete XXXX disputed accounts totaling {$42000.00}. 

Provide regular updates ( Section XXXX of the contract ). 

Company Failures ( XXXX ) : Never provided : Proof of debt validation. 

Dispute confirmations to credit bureaus. 

Required account status reports. 

Ceased all communication despite repeated attempts to contact. 

Illegal Collection Activity ( XXXX ) : [ Creditor Name ] began garnishing wages without : Valid court order ( Florida Statute 77.041 violation ).

Debt verification per FDCPA 809 ( b ).

Total garnished to date : {$3300.00}. 

Actions Taken : Sent XXXX written requests ( certified mail ) to XXXX XXXX for contract compliance ( no response ). 
Demanded debt validation from [ Creditor Name ] ( ignored ).

Filed wage garnishment exemption claim with [ County ] Court ( pending ). 

Violations Identified : XXXX XXXX : Breach of contract ( Florida Statutes XXXX ). 

Violation of CROA ( 15 U.S.C. 1679b ). 

[ XXXX XXXX XXXX XXXX ] : FDCPA 807 ( 8 ) ( False representation of legal status ).

FDCPA 808 ( 1 ) ( Collecting unvalidated debt ). 
Requested Resolution : Immediate cessation of wage garnishment. 

Full refund of all payments to XXXX XXXX. 

Permanent deletion of all disputed debts.

Company response to consumer: Closed with explanation