vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: PA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted multiple certified dispute letters to Experian, Equifax, and TransUnion regarding inaccurate and unverifiable accounts. Experian lost my dispute for XXXX XXXX XXXX and later said they were not responsible for investigating the account. XXXX XXXX sold an account to XXXX XXXX ( XXXX XXXX XXXX, Final Closing XX/XX/year> ), yet it is still reported under CenterPoint. Other accounts, including XXXX XXXX XXXX and XXXX XXXX Bank, have not been properly reinvestigated. Despite my attempts to resolve these issues, the bureaus have failed to correct or remove the inaccurate accounts. I am requesting that all disputed accounts be permanently deleted from 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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that appears on my credit report. I have never authorized, opened, or maintained this account. Its presence is entirely false and negatively affecting my creditworthiness and financial reputation.

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 2025-08-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately furnishing data on my closed auto loan account in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Violations : The account is closed, yet XXXX XXXX continues to report new late payments every month after charge-off. This is not permissible under XXXX XXXX ( XXXX XXXX XXXX D = closed/paid, no new lates ). 
XXXX is inconsistent across bureaus : Equifax, Experian, and TransUnion each show conflicting information about the accounts status, balance, and dates. 
Investigations were not properly conducted. Despite multiple disputes with both the bureaus and XXXX XXXX, the account was simply verified without correction, violating FCRA XXXX ( b ). 

Relevant e-OSCAR Dispute Codes : XXXX Not his/hers ( ownership ) XXXX Account status incorrect XXXX Payment history profile incorrect XXXX Account paid/closed, status disputed XXXX Inaccurate reporting after charge-off/closure XXXX Improper balance reporting Other Standards Violated : XXXX XXXX Account Status Code XXXX ( charge-off XXXX can not carry new delinquency codes. 
FCRA 623 ( a ) ( 1 ) ( A ) furnisher is reporting information it knows or should know is inaccurate. 

Harm Caused : These violations have caused ongoing score damage, including a XXXX drop on Equifax from XXXX late reporting. The inaccurate and conflicting reporting continues to harm my creditworthiness and ability to obtain financing. 

Requested Resolution : I am requesting the permanent deletion of this XXXX XXXX account from all three credit bureaus due to repeated FCRA and XXXX XXXX violations, continued inaccurate late payment reporting, and failure to properly investigate.

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 2025-08-28 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: AZ

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported under my name. I have no connection to this account, never authorized it, and did not open it. Its reporting is false and unfairly damaging to my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Bank has reached a {$550.00} XXXX dollar settlement with 33 states to settle predatory loan charges to low-income and subprime customers. 

The settlement with Santander will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. 

According to an article in The XXXX XXXX XXXX, the settlement will include {$65.00} XXXX that will go directly to consumers and {$430.00} XXXX which will go towards loan forgiveness, including funds for customers who have had their cars repossessed but still owe money to Santander. 

According to the article, Santander has agreed to waive balances for customers who have low credit scores and who have stopped paying their loans at the end of last year. 

I was involved in this lawsuit yet Santander still appears on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by 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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am formally disputing unauthorized access to my credit report, which has directly harmed both my credit and credit score. Several companies have made inquiries without my knowledge or consent. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, they remain on my file. 

This ongoing failure to act is unacceptable. The continued presence of these unauthorized and potentially fraudulent inquiries raises serious concerns of identity theft and is causing me ongoing financial and emotional harm.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing in my capacity as the natural person and secured party. XXXX XXXX has bought, sold and traded my personal information for monetary gain without my consent which is identity theft. After conducting a thorough review of my records I have no contract with credit first, or binding obligation with credit first that authorize XXXX XXXX  to collect, report, or enforce any alleged debt against me. A mere statement, assignment, or electronical record does not constitute a binding contract under UCC or common law contract principles. Furthermore I didn't not give written instruction to furnish anything on my consumer report, which violates 15 USC 1681b and also 15 USC 1681a 4 my right to privacy and FDCPA 15 USC 1692 UCC 1-308, I reserve all rights without prejudice and do not consent to any presumed liability. Your continued reporting of this account constitute a violation of my rights under both UCC and the FCRA 15 USC 1681, also breach of commercial law by attempting to enforce non-existing contract. To be clear EQUIFAX and XXXX XXXX. You fail to comply, your silence and in-action will be taken as tacit agreement that no contract exists and that you are reporting illegally. 
I DEMAND IMMEDIATE PERMANENT DELETION AND PERMANENTLY BLOCK FROM MY CREDIT REPORT. AGAIN CEASE AND DESIST ALL COLLECTION EFFORTS AND COMMUNICATION RELATED TO THIS ALLEGED DEBT. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX per equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXXXXXX XXXX  XXXX which the XXXXXXXX XXXX  confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. XXXX refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting account without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
Refinanced from XXXX XXXX with LoanDepot to Conventional Loan with XXXX XXXX because LoanDepot did not honor thier supposed loyalty retention program for XXXX refinance to streamline or lower rate. AFTER sending a payoff quote to XXXX XXXX  LoanDepot made a duplicate insurance disbursement to XXXX for homeowners insurance. The policy for the year was NOT DUE FOR RENEWAL UNTIL XX/XX/year> so why on earth would you send ANOTHER PAYMENT especially if you have a payoff quote in hand that DIDN'T INCLUDE THE DISBURSEMENT????? Then have the audacity to charge ME a late fee because the payoff was short and LOANDEPOT RETURNED IT TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-28 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: WI

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They reported inaccurate, unverified, and unauthorized information on my consumer report, including false personal data, unverified inquiries, and notations I did not request. This constitutes a violation of my privacy and control over my personal information. Reporting information without proper verification or authorization rises to the level of identity theft and is a failure to ensure maximum possible accuracy as required by the Fair Credit Reporting Act. These errors have directly harmed me, including denial of housing and damage to my reputation.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding the reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX Account number XXXX specifically, I have requested a Form 1099-C ( Cancellation of Debt ) from the creditor, as is required under IRS regulations and relevant consumer protection laws, but I have never received it.

Under the Internal Revenue Code ( 26 U.S.C. 6050P ), a creditor who cancels a debt of {$600.00} or more must issue a Form 1099-C to the debtor. Failure to do so means the creditor has not properly documented the cancellation of the debt. Consequently, it is improper and potentially fraudulent for them to report this charge-off on my credit report without issuing the required documentation I am therefore requesting that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to either provide the 1099-C or remove the charge-off from my credit report, as the current reporting is inaccurate and misleading. Additionally, I would like to cite the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) which mandates that information reported on consumer credit reports must be accurate and complete. Reporting a charge-off without fulfilling the legal requirement of issuing a 1099-C does not meet this standard. I appreciate your attention to this matter and look forward to your assistance in ensuring this issue is resolved in accordance with the law Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding the reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX Account number XXXX specifically, I have requested a Form 1099-C ( Cancellation of Debt ) from the creditor, as is required under IRS regulations and relevant consumer protection laws, but I have never received it.

Under the Internal Revenue Code ( 26 U.S.C. 6050P ), a creditor who cancels a debt of {$600.00} or more must issue a Form 1099-C to the debtor. Failure to do so means the creditor has not properly documented the cancellation of the debt. Consequently, it is improper and potentially fraudulent for them to report this charge-off on my credit report without issuing the required documentation I am therefore requesting that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to either provide the 1099-C or remove the charge-off from my credit report, as the current reporting is inaccurate and misleading. Additionally, I would like to cite the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) which mandates that information reported on consumer credit reports must be accurate and complete. Reporting a charge-off without fulfilling the legal requirement of issuing a 1099-C does not meet this standard. I appreciate your attention to this matter and look forward to your assistance in ensuring this issue is resolved in accordance with the law Sincerely XXXX XXXX

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