vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am filing a complaint regarding Experians failure to properly investigate and block a fraudulent XXXX account that does not belong to me. I submitted a full identity theft dispute to Experian on XX/XX/year> and provided : My police report Government-issued ID Social Security verification Written FCRA 605B identity theft block request Despite providing legally sufficient documentation, Experian refused to complete the investigation and did NOT block the account as required under FCRA Section 605B, which mandates deletion/blocking of identity theft information within 4 business days after receiving proper proof.

Instead of blocking the account, Experian directed me back to the furnisher ( XXXX ), which violates FCRA Section 611 and FCRA Section 623, because once a valid identity theft report is submitted, the CRA must block the tradeline not force the consumer to chase the furnisher. 

XXXX also confirmed they received the dispute but refused to remove the account unless I resubmitted documentation again, even though Experian already has everything required.

This fraudulent account is severely damaging my credit, reporting as charged-off, with derogatory late history and balance updates. I have acted in good faith and complied fully with federal law requirements. Experian has not.

Requested Resolution I am requesting : Immediate blocking and deletion of the XXXX  account under FCRA 605B Removal of all negative history associated with this account Written confirmation of deletion Assurance that the account will not reappear Thank you for your assistance.

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 2025-12-18 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: MD

Complaint narrative:
I have disputed the following accounts more than three times and they still dont perform the right investigation and today my credit is still affected for lack of proper Investigation. These are the accounts that I have reported as not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-18 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: MD

Complaint narrative:
I have disputed the following accounts more than three times and they still dont perform the right investigation and today my credit is still affected for lack of proper Investigation. These are the accounts that I have reported as not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account Name : XXXX Account XXXX : XXXX * XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX These accounts and inquiries are fraudulent. Under FCRA 605B and the Identity Theft and Assumption Deterrence Act, I am exercising my rights as a consumer and demanding that all fraudulent information listed above be : Blocked and removed from my credit report within four business days of receipt of this notice.

That a copy of the updated report be sent to me once the deletions are complete. 
That all parties who have accessed these accounts or information in the last XXXX months be notified of the deletions under FCRA 611 ( d ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year> {$8600.00} I tried to dispute this account with the company as I convey that someone opened a business credit card in my company name and used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of my credit card dispute for a returned merchandise charge in the amount of {$1000.00}. 

I purchased a mattress from XXXX XXXX XXXX. The merchant approved my return in writing and arranged pickup through their authorized third-party partner, XXXX. XXXX came to my residence and removed the mattress. No receipt or tracking documentation was provided by the pickup agent. 

XXXX XXXX later refused to issue the refund, claiming they could not confirm the return due to conflicting internal documentation from their pickup partner. Bank of America denied my dispute on the grounds that I could not provide a signed return receipt or tracking proof. 

This return was entirely controlled by the merchant. The merchant selected the pickup vendor, scheduled the pickup, and removed the merchandise from my possession. I no longer have the item and can not return it again. The lack of documentation is due to the merchant and their agent failing to provide it, not due to any failure on my part. 

Bank of America is holding me financially responsible for documentation that was never issued and was outside of my control. I provided extensive email correspondence showing return approval, pickup coordination, and the merchants acknowledgment that they rely solely on the third-party pickup agents 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 2025-12-18 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously disputed late payment information that is being reported on my consumer file. The bureau was informed that this information is excluded from consumer reporting under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), yet the reporting continued. I then filed a second complaint for willful continuation of the violation, and the bureau still has not deleted the information. At this point, I am challenging the accuracy and verifiability of the reported data. The bureau has not produced any proof that the furnisher is legally authorized to report these late payments or that the data is verifiable through proper documentation. If the bureau can not produce validation, chain of custody, or authentication of the data furnished, then the information is legally unverifiable and must be deleted under 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 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this collection off of my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP
State: NC

Complaint narrative:
I am writing to dispute information reported on my credit file regarding my KeyBank credit card account. The report shows a late payment on and an automatic {$25.00} fees. KeyBank online portal denied me access to make the payment until I spoke with a representativemaking it impossible to pay on time. Charging a late fee under those conditions is unfair and misleading.

Please : - Remove the late payment notation.

- Remove the {$25.00} late fee from my account history.

- Conduct a thorough investigation with KeyBank.

- Provide confirmation once this information is corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
I requested debt validation and I only recieved a settlement offer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-18 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: AL

Complaint narrative:
Dear Sir/Madam, I am filing this complaint as a consumer disputing inaccurate and unauthorized information appearing on my Experian credit report. These items do not appear to meet the accuracy and verification standards required under the Fair Credit Reporting Act. 

Unauthorized / Unverified Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing these inquiries. Experian is required under FCRA 1681b to ensure that each inquiry has a valid permissible purpose. If these inquiries can not be properly verified, they must be removed from my credit report. 

Late Payment Reporting XXXX XXXX  Account Number : XXXX This account reflects a late payment that I dispute as inaccurate. Experian must ensure the accuracy and completeness of late payment reporting under FCRA 1681e ( b ). If Experian can not verify this late payment with proper documentation, it must be corrected or deleted.

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 2025-12-18 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: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYS DATE OPEN XX/XX/year> Debt collection/ Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

The account is being reported without proper verification and contains inaccurate and/ or unsubstantiated information. I previously disputed this account and requested validation yet the collection agency continues to report the account without providing documents showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint to request assistance with inaccurate information being reported on my TransUnion credit report. Despite my right under the Fair Credit Reporting Act to have only complete and accurate information reported, TransUnion is currently reporting information that is incorrect and does not properly reflect verified facts. 
An address listed on my TransUnion credit report, XXXX XXXX XXXX, XXXX, FL XXXX, is not my address. I have no knowledge of this address, have never lived there, and it is incorrectly associated with my credit file. This address does not belong to me and should not be reported in connection with my identity. I am requesting its immediate deletion. 
TransUnion is also reporting inaccurate late payment history on multiple accounts. The XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting late payments that are inaccurate. I am disputing only the late payment history, as it does not accurately reflect correct reporting standards and requires correction following a proper reinvestigation. 
The XXXX XXXX account ( XXXX, opened XX/XX/XXXXXXXX  ) is reporting late payments that are inaccurate. I am disputing only the late payment reporting on this account and requesting that TransUnion correct any late payment information that can not be fully verified as accurate. 
The XXXX XXXX account XXXX XXXX, opened XX/XX/XXXX ) is reporting late payments that are inaccurate. I am disputing the late payment history only and requesting correction of any information that does not meet the requirements of accuracy and verifiability under the FCRA. 
The XXXX XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is also reporting late payment history that is inaccurate. I am disputing only the late payment reporting on this account and requesting that TransUnion conduct a lawful reinvestigation and correct any inaccurate late payment information. 
Additionally, TransUnion is reporting inquiries that I did not authorize. The XXXX inquiry dated XX/XX/XXXX, and the XXXX XXXX inquiry dated XX/XX/XXXX, were not authorized by me and are inaccurately associated with my credit file. These inquiries should be removed unless TransUnion can provide proper evidence of authorization. 
I am requesting that the CFPB require TransUnion to conduct a proper and complete reinvestigation of each disputed item, delete the incorrect address, correct or remove any inaccurate late payment history, and remove any unauthorized inquiries that can not be verified. I am also requesting written confirmation and an updated credit report once the investigation is completed. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws.

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