vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian Dispute Department, I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section XXXX ( A ) ( XXXX ) ( a ) and XXXX U.S.C. XXXX. I am writing to formally dispute the accuracy of the accounts and collections listed on my credit report. Upon reviewing my credit report, I noticed that the collections accounts referenced below are incorrect and should be removed. 


Details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 


I request that you investigate this matter and remove the entry from my credit report. According to the Fair Credit Reporting Act, you are required to investigate disputes within XXXX  days and provide me with the results. 
Please confirm receipt of this letter and inform me of the status of the dispute at your earliest convenience. Should you require additional documentation or clarification, I am happy to provide it. Thank you for your prompt attention to 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 2025-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have not received notifications of the company because the auto was being paid by my daughter. She is responsible of paying the car. Nobody has called to inform my daughter stopped paying the car. My mom told me that the company Santander picked up the car and sold it a long time ago. I have not heard anything about the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: CA

Complaint narrative:
In 2024, I discovered a student loan collection from XXXX XXXX XXXX  on my credit report for approximately {$3900.00}. I did not apply for, authorize, or attend any school related to this loan. I filed an identity theft report through the FTC and disputed the account with XXXX 

I contacted the collection agency and asked them to provide documentation proving I opened or agreed to this debt, such as a signed loan agreement. They responded by stating the debt was verified but did not provide any documentation or proof as required under the Fair Credit Reporting Act. 

I am requesting that this account be removed from my credit report because it is the result of identity theft, and the company has failed to validate the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: OK

Complaint narrative:
MUST BE REVIEWED BY THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION WILL SUE {$50000.00} EACH VIOLATION PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANTS : EQUIFAX, EXPERIAN XXXX TRANSUNION REPORT NUMBER : XXXX FTC XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ), USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1 , USC 1681a2 , USC 1692g, USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b, 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THESE FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNTS TO BE FURNISHED THEY READ : XXXX XXXX XXXX XXXX ALLEGED ACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX and these fraud hard inquries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I DIDNT SIGNED ANY DISCLOSURE FORMS DELETE THE ALLEGED ABOVE ACCOUNTS IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living woman far from being dead Beneficiary OF DEFENDANT XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

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 2025-06-14 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-14 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: NV

Complaint narrative:
I am a verified identity theft victim. A fraudulent loan was opened in my name with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX without my knowledge or consent. I never applied for, received, or benefited from this loan. 

I submitted a valid FTC Identity Theft Report ( Report # XXXX ) and formally disputed the account under FCRA 605B, which requires the account to be blocked within 4 business days. I also notified their third-party collector, XXXX XXXX XXXX XXXX XXXX # XXXX ). 

XXXX acknowledged my dispute in writing but failed to remove the account or comply with federal law. Their response shifted the burden of proof back onto me after I already submitted all required documentation a violation of FCRA 605B and the FDCPA. 

My identity was exposed in the XXXX data breach, which leaked my full PII ( SSN, DOB, full legal name, address ). This makes the source of the fraud both credible and traceable. 

Despite clear legal obligations, XXXX and XXXX : Refused to block or remove the fraudulent tradeline Continued illegal collection efforts Ignored documentation from a federal agency ( FTC ) These actions are unlawful, harmful, and ongoing. I have suffered credit damage, stress, and loss of opportunities. This is a serious violation of consumer protection laws, and I need immediate resolution. 

This is not just my personal complaint its a test of whether the FCRA still protects identity theft victims. If companies can ignore FTC reports and continue collections anyway, then the law has no teeth. This must be corrected.

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 2025-06-14 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: NV

Complaint narrative:
I am a verified identity theft victim. A fraudulent loan was opened in my name with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without my knowledge or consent. I never applied for, received, or benefited from this loan. 

I submitted a valid FTC Identity Theft Report ( Report # XXXX ) and formally disputed the account under FCRA 605B, which requires the account to be blocked within 4 business days. I also notified their third-party collector, XXXX XXXX XXXX XXXX XXXX # XXXX ). 

XXXX acknowledged my dispute in writing but failed to remove the account or comply with federal law. Their response shifted the burden of proof back onto me after I already submitted all required documentation a violation of FCRA 605B and the FDCPA. 

My identity was exposed in the XXXX data breach, which leaked my full PII ( SSN, DOB, full legal name, address ). This makes the source of the fraud both credible and traceable. 

Despite clear legal obligations, XXXX and XXXX : Refused to block or remove the fraudulent tradeline Continued illegal collection efforts Ignored documentation from a federal agency ( FTC ) These actions are unlawful, harmful, and ongoing. I have suffered credit damage, stress, and loss of opportunities. This is a serious violation of consumer protection laws, and I need immediate resolution. 

This is not just my personal complaint its a test of whether the FCRA still protects identity theft victims. If companies can ignore FTC reports and continue collections anyway, then the law has no teeth. This must be corrected.

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 2025-06-14 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I am writing to correct the inaccurate personal information listed on my credit report. These errors are interfering with my credit applications and have caused unnecessary frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The balance reflected on my credit report is inaccurate from Ally because they show a deficient balance of XXXX owed by me after the sale of the auto but the also collected the refund of the GAP insurance policy through XXXX  XXXX & I and that isnt reflected as a credit to the account balance. They repeatedly have delayed providing me the requested information even after I received confirmation from XXXX XXXX that the policy was paid to ALLY. I want this removed from my credit reports and it also is reporting as an installment loan which is incorrect as the vehicle was a credit sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT. THERE ARE FRAUDULENT ITEMS REPORTING ON MY CREDIT REPORT WHICH ARE A DIRECT RESULT OF IDENTITY THEFT. THIS I HAVE REACHED OUT TO ALL 3 CREDIT REPORTING AGENCIES IN TRANSUNION, EQUIFAX AND EXPERIAN. AND ALTHOUGH THEY HAVE REMOVED A FEW FRAUDULENT ITEMS, THERE STILL REMAINS A FEW. 


I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, still a few left. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I will also attach my USPS Return Green slips indicating the credit agencies have received this information from me on said stamped dates. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting IN FEDERAL COURT.

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 2025-06-14 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: FL

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 2025-06-14 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Hello and good day, I have found inaccurate information on my credit report, and it is deeply concerning. These errors are blocking my financial progress and leading to repeated credit application rejections, which has been extremely stressful.

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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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