vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: MA

Complaint narrative:
Dear CFPB : Notice of Dispute and Demand for Validation I am disputing the accuracy, validity, and completeness of the account reported by XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which is being reported as a charge-off in the amount of {$6800.00}. 

This is false and misleading. My vehicle was declared a total loss, and both my auto insurance and GAP coverage satisfied the account in full. XXXX accepted the insurance settlement and GAP payment, and I was never notified of any deficiency balance. By law, once a covered loss is paid and the balance extinguished, no further collection or reporting is permissible. 

Despite this, XXXX continues to report a charge-off, which is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ) and constitutes a false representation of a debt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). 

Supporting Authority CFPB Consent Orders ( XXXX, XXXX ) : The CFPB found XXXX furnished inaccurate auto loan data and failed to maintain proper reporting procedures, confirming systemic violations of the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX was held liable under the FDCPA for improper debt collection practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) : XXXX faced claims for failing to provide proper notices in auto loan deficiency situations, reinforcing its duty to follow consumer protection laws. 

XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ) : Credit bureaus ( and furnishers ) must do more than a superficial review ; they must conduct a reasonable investigation of disputed information. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( 9th Cir. 2008 ) : Reinforces that continued reporting of unverifiable information violates the FCRA. 

Because the loan was already satisfied through insurance and GAP coverage, there is no legally enforceable deficiency balance. Reporting this account as a charge-off is a misrepresentation, violates the FCRA and FDCPA, and could constitute insurance bad faith.

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 2025-09-24 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: MD

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-09-24 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} DEPTEDNELNET - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
CEASE AND DESIST NOTICE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2025 LVNV Funding LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Re : Alleged Debt of {$1200.00} To Whom It May Concern : I am writing regarding the above-referenced matter. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that LVNV Funding LLC immediately cease and desist all communication with me regarding this alleged debt. 
Please be advised that the act of reporting information to consumer reporting agencies ( credit bureaus ) also constitutes a form of communication under the FDCPA. As such, you are hereby instructed to cease reporting, or causing to be reported, any information regarding this alleged debt to any credit reporting agency. 
Furthermore, this letter is not to be construed as an acknowledgment of liability for the alleged debt, nor a waiver of any of my rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), or any other applicable law. 
Failure to comply with this request may result in me pursuing legal remedies available, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General in my state. 
I expect your full compliance with this notice. Please confirm in writing that you will honor this cease and desist request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am contacting you because I have tried several times to resolve this issue directly with Experian, but it is still not being fixed. Every time I dispute the inaccurate information, Experian only responds with accurate or updated through their platform, without providing any proof to support their claims. 

The negative information remains on my credit file even though it is factually inconsistent, and this is harming me financially and personally. I have asked for proper reinvestigation and written responses by mail, but Experian continues to leave the inaccurate information on my credit report. 

The account in question is XXXX ( XXXX XXXX ), account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problems include : High Balance : Experian shows {$940.00}, while XXXX  and XXXX  report different amounts. 

Experian only answers me through its platform experian.com and I am writing to them by regular mail. I want them to answer me by mail. 

Date of Last Activity : Experian reports XX/XX/XXXX, but the other bureaus show different dates. 

Payment History : Experian shows XX/XX/XXXX blank, then repeats CO in XXXX and XX/XX/XXXX, which is inaccurate and inconsistent with the other bureaus. 

Experian keeps reporting this account with conflicting and misleading information. By not correcting it, they are violating the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681, 1681e ( b ), and 1681s-2.

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 2025-09-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 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:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On or about XX/XX/year> I received a notification from my credit monitor that a collection had been reported on my credit report. I immediately sent a letter to Transworld Systems Inc. to validate this debt since I had not been notified prior to this report nor to my knowledge do I have any outstanding debts. To date I have sent multiple letters requesting debt validation and no written response had been received, however on or about XX/XX/year>, I received a phone call from someone named XXXX notifying me that if I did not pay a constable would be coming to my home to arrest me for failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Your Name : [ XXXX XXXX ] Your Contact Info : [ XXXX ] Bank Name : [ XXXX XXXX XXXX XXXX Account Details : [ XXXX ] Complaint : I deposited a U.SXXXX Treasury/IRS check into my account on XX/XX/year>. As of XX/XX/year>, my funds have been held for over XXXX business days, far exceeding the legal limit. 
Bank representatives and a supervisor have repeatedly told me the status is waiting on IRS verification or verify activity, and that nothing can be done until the IRS responds. A supervisor also told me the bank is not required to send anything, which is incorrect under federal law ( 12 CFR 229.13 ( g ) ). 
Under Regulation CC, Treasury checks must generally be available the next business day, and even with an exception hold, no longer than XXXX business days, with a written notice stating the reason for the hold and the date funds will be available. I have not received any such notice. 
I am requesting : Immediate release of my funds. 
A written Reg CC hold notice with the legal reason and the expected release date. 
If this is not resolved promptly, I will escalate further with federal regulators and pursue all legal remedies. 
Attachments / Evidence : Copies/screenshots of chat messages Any emails or messages from the bank Deposit confirmation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
XXXX 's predatory lending practices complaint. On XX/XX/XXXX, XXXX receives XXXX benefits as his primary, verifiable, income. On XX/XX/XXXX, XXXX XXXX provided XXXX with a loaner vehicle to use while waiting for XXXX  {$21000.00} XXXX  dollar settlement check to clear in a XXXX XXXX business checking account for purchasing an automobile. On XX/XX/XXXX, XXXX deposited a {$21000.00} XXXX  dollar settlement from XXXX into a business checking account. On XX/XX/XXXX, XXXX XXXX offered XXXX a discount for purchasing a new XXXX XXXX XXXX. XXXX provided XXXX XXXX with a {$12000.00} dollar cash deposit for Santander USA to finance the remaining {$24000.00} XXXX-dollar balance for owning a XXXX XXXX XXXX XXXX  application supporting documents showed a XXXX {$350.00} XXXX-dollar cellular invoice as a utility bill. The six-month cost of insurance to cover the XXXX XXXX was over {$600.00} XXXX XXXX monthly. The XXXX XXXX XXXX monthly invoice was {$470.00} XXXX. In this case, Santander USA sole consideration for financing the XXXX XXXX was XXXX  {$12000.00} tXXXX XXXX  settlement from XXXX and a foreseeable payment default after the insurance benefits were exhausted. XXXX canceled the XXXX  and service contract because the money was needed to finance a new XXXX XXXX XXXX vehicle which occurred. XXXX XXXX  XXXX XXXX denied refinancing. XXXX XXXX XXXX and XXXX XXXX  XXXX both denied XXXX  credit application based upon the same information that Santander USA considered for financing the XXXX XXXX. XXXX traded the XXXX XXXX XXXX for a new XXXX XXXX XXXX vehicle. XXXX could not afford the XXXX XXXX without being forced to settle third-party bad faith claims with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased the XXXX XXXX XXXX finance contract after denying XXXX  credit application on XX/XX/XXXX. The XXXX XXXX XXXX was repossessed because XXXX could not afford payments that were less than the XXXX XXXX XXXX [ {$470.00} monthly ]. On XX/XX/XXXX, Santander XXXX responded that XXXX qualified to finance a {$24000.00} thousand-dollar loan with his monthly {$740.00} XXXX benefits contrary to the prior Illinois final consent judgment and recent CFPB administrative proceeding information [ a lender should not purchase a loan without first determining the consumers ability to repay ]. XXXX fully relies upon the attached documental information for the CFPB to find Santander USA engaged in predatory lending through an administrative proceeding. See the attached documental information. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Card Application and Identity Theft To Whom It May Concern, I am writing to file a formal complaint against Capital One regarding an unauthorized credit card application that resulted in identity theft. 

Details of the Incident : Date of Discovery : XX/XX/XXXX Fraudulent Account Opened : XX/XX/XXXX Impact : The fraudulent account remained open for over a year, causing significant distress and inconvenience Lack of Verification : When I contacted Capital One, I was informed that the application was submitted online without proper identity or address verification Consequences : I have spent considerable time and effort resolving the issue, including making numerous phone calls to freeze my accounts and repair my credit.

Company response to consumer: Closed with explanation