vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have requested the exactly documentation used in investigations and purchase agreements for said accounts, showing ownership of of accounts in dispute. Experian and Equifax is refusing to send me the documentation and purchase agreements. Instead they continually send me a copy of my credit report stating certain accounts are verified and others were not but showing no proof of ownership for each said account. Request for Documentation Under 15 U.S.C. 1681i Regarding Disputed AccountsTo Whom It May Concern, I am writng to formally request, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, a detailed description of the procedures used during the reinvestigation of the following disputed acounts on my credit report:1. XXXX XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # XXXX the FCRA, I am entitled to : A description of the reinvestigation procedures used concerning my disputes. The name, address, and telephone number of any furnisher of information contacted during the reinvestigation. A copy of all documents, records, or other information that were part of the reinvestigation process. Please provide the above information for each of the accounts listed. If any information canot be provided, kindly specify the reason and the legal basis for the denial.I appreciate your prompt atention to this matter and expect a response within the 30-day period as stipulated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, XXXX submitted a correction to TransUnion acknowledging that XXXX student loans were incorrectly reported as 90 days late. These loans were in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Indefinite Administrative Forbearance no payments were due. Despite receiving this correction, TransUnion failed to update my credit report within the required XXXX investigation window under the FCRA. 

As of XX/XX/2025, TransUnion is still reporting a lower credit score ( XXXX ) and has not provided written confirmation of any investigation results. This delay has prolonged the damage to my credit profile, caused financial losses, and violates my rights 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Regional Management Corporation
State: MO

Complaint narrative:
Regional Finance mailed me a check for {$1500.00}. All I had to do was sign it. It was from the XXXX XXXX in XXXX, XXXX ( XXXX- XXXX, XXXX XXXX XXXX, XXXX. This {$1500.00} check was cashed by XXXX XXXX XXXX on XX/XX/XXXX. I continually paid the monthly fees up until XX/XX/XXXX. I was pressured to come back and refinance the loan and have some money in my pocket. XXXX and XXXX both told me this to get me to refinance the loan. I came in and refinance the loan, this is how itbwas presented to me on XX/XX/XXXX. The check I received from Regional Finance was for {$840.00}. I've been paying {$85.00} since XX/XX/XXXX. Twice a month totalling {$1600.00}. What's got me feeling like something unethical is happening here is because the Credit Beureau is reporting I owe {$2400.00}, in addition, Regional Finance has taken an Insurance Policy out on me for this unethical transaction. I've notified the Attorney General 's Office, they told me to take them to small claims court. I don't have time for this. I filled a complaint with the XXXX, XXXX XXXX XXXX XX/XX/XXXX. I haven't heard anything yet from XXXX. I'm writing you with hopes of an investigation if only to rectify this situation..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my Equifax credit file related to the following account : Account Name : Regions Bank Account Number : XXXX Date Opened : XX/XX/year>2012 Balance : {$0.00} Reason for Dispute : I do not recall ever missing a payment on this account. If a late payment is being reported, I believe it is either inaccurate, the result of a reporting error, or occurred under circumstances that should not be reflected negatively on my credit history ( e.g., system error, mail delays, or misapplied payments ). 

I request that Equifax initiate a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and verify this account with original documentation from the creditor. If the late payment can not be confirmed with complete and accurate records, I request that it be corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
RE : Second Request Demand for Deletion of Unverified Collection Accounts for Non-Compliance with FDCPA 1692g ( b ) and FCRA 1681i ( 5 ) Dear Equifax XXXX Department, This letter serves as my formal rebuttal to your XX/XX/year> investigation response related to the accounts I previously disputed via the CFPB Complaint Portal. 
Despite my lawful request for validation under FDCPA 1692g ( b ), your investigation concluded with a vague claim that these accounts " belong to me '' without providing the required documentation or validation from the data furnishers. You are hurting my ability to obtain credit and live a decent life! 
The Following Accounts Were Disputed : 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 XXXX XXXX XXXX XXXXXXXX ( Note : now removed ) You failed to require the data furnishers to comply with the following federal provisions : Violations Committed : 1. FDCPA 1692g ( b ) : After receiving my dispute within 30 days of initial reporting, the collectors continued reporting the accounts without providing proper verification or ceasing collection activity. This is a direct violation of federal law.

2. FDCPA 1692e : You are facilitating the reporting of potentially false or misleading information, which is considered deceptive under the statute.

3. FCRA 1681i ( 5 ) : No meaningful reinvestigation was performed, nor was any documentary proof provided to support continued reporting. Thus, these accounts are legally required to be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute an inaccurate and potentially fraudulent item on my Experian credit report. My personal data was exposed in the Experian data breach, and I have reason to believe the following account may have been affected or is otherwise being reported in error : Account Name : XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/year> Balance : {$0.00} This account is showing a XXXX balance but is still listed as derogatory. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request a full reinvestigation. If the item can not be verified directly with the original creditor, it must be deleted from my 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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX, as soon as possible from my report or I will be taking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As per 15usc 1611 Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : Better Business Bureau. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
In XXXX, I financed a XXXX XXXX XXXX through Santander Consumer USA as a first-time buyer. Despite a credit score of around XXXX, I was charged an interest rate over 12 %. I purchased all available protections, including GAP and payment protection coverage, under the belief I would be safeguarded during hardship. 

A year later, I lost my job, experienced the death of my father, and had to urgently move to escape XXXX XXXXXXXX. I contacted Santander multiple times asking for hardship assistance or to voluntarily surrender the vehicle, which I am entitled to do under Ohio Revised Code XXXX. Santander refused to assist or coordinate pickup. 

Instead, they waited over 90 days to repossess the car. During this period, I was locked out of my account and couldnt reach anyone by phone. Only after the car was sold at auction did my access mysteriously return. Santander then reported I owed the full balance. It wasnt until I disputed this with the credit bureaus that the amount was reduced to {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Subject : Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following accounts and removal if the information is found to be inaccurate or unverifiable. 

I also believe these accounts maybe fraudulent and I filed a police report with my local police department- XXXX Police # XXXX Below are the disputed accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please delete these accounts : XXXX XXXXXXXX XXXX XXXXXX/XX/year>2025 TRANSUNION XXXX XXXX XXXX XXXXXX/XX/scrub>/2025 EXPERIAN XXXX XXXX XXXX XXXX/XXXX/2025 EXPERIAN

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please delete these accounts : XXXX XXXXXXXX XXXX XXXXXX/XX/year>2025 TRANSUNION XXXX XXXX XXXX XXXXXX/XX/scrub>/2025 EXPERIAN XXXX XXXX XXXX XXXX/XXXX/2025 EXPERIAN

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 2025-05-26 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: OH

Complaint narrative:
I am filing a formal complaint against the national credit reporting agencies ( Equifax, Experian, and TransUnion ) for their failure to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ]. I submitted a valid Identity Theft Report ( # XXXX ), along with supporting documents including proof of address, my Social Security card, and government-issued identification, to all three credit bureaus. Despite this, they have failed to permanently block and remove multiple fraudulent accounts and personal information from my credit reports within the 4 business days required by law. Their continued reporting of false and unauthorized information is a direct violation of federal law. Under FCRA 605B, the credit bureaus are not permitted to reinvestigate information once a valid identity theft report is submitted. They are legally obligated to block the disputed items and send me updated reports within 15 calendar days. Their repeated noncompliance is both negligent and willful. I am requesting the CFPBs urgent intervention to enforce the law, ensure the immediate and permanent removal of all fraudulent data from my reports, and initiate a formal investigation with penalties for each violation, as authorized under the The credit reporting agencies have committed the following violations : 1681c-2 ( 605B ) Failure to block identity theft information within 4 business days 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of deleted data without consumer notice 1681i ( a ) ( 5 ) ( C ) Re-reporting deleted/fraudulent information without proper certification 1681b ( a ) ( 3 ) Unauthorized access to credit report without permissible purpose 1681i Failure to investigate and correct disputed items IRS Reg. 1.6050P-1 Failure to issue 1099-C for canceled/charged-off debt ( false debt reporting ) FDCPA 1692e False, misleading representation of debt that has been discharged or canceled. 
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 2025-05-26 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: OH

Complaint narrative:
I am filing a formal complaint against the national credit reporting agencies ( Equifax, Experian, and TransUnion ) for their failure to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ]. I submitted a valid Identity Theft Report ( # XXXX ), along with supporting documents including proof of address, my Social Security card, and government-issued identification, to all three credit bureaus. Despite this, they have failed to permanently block and remove multiple fraudulent accounts and personal information from my credit reports within the 4 business days required by law. Their continued reporting of false and unauthorized information is a direct violation of federal law. Under FCRA 605B, the credit bureaus are not permitted to reinvestigate information once a valid identity theft report is submitted. They are legally obligated to block the disputed items and send me updated reports within 15 calendar days. Their repeated noncompliance is both negligent and willful. I am requesting the CFPBs urgent intervention to enforce the law, ensure the immediate and permanent removal of all fraudulent data from my reports, and initiate a formal investigation with penalties for each violation, as authorized under the The credit reporting agencies have committed the following violations : 1681c-2 ( 605B ) Failure to block identity theft information within 4 business days 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of deleted data without consumer notice 1681i ( a ) ( 5 ) ( C ) Re-reporting deleted/fraudulent information without proper certification 1681b ( a ) ( 3 ) Unauthorized access to credit report without permissible purpose 1681i Failure to investigate and correct disputed items IRS Reg. 1.6050P-1 Failure to issue 1099-C for canceled/charged-off debt ( false debt reporting ) FDCPA 1692e False, misleading representation of debt that has been discharged or canceled. 
FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: WA

Complaint narrative:
I mailed a written validation request and dispute to LVNV Funding on XX/XX/year>. It was delivered on XX/XX/year>, but they have never responded. 

They have failed to provide validation of the debt or cease reporting it. They are also reporting the account as a charge-off and updating it monthly, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Furthermore, they failed to mark the account as disputed on my credit reports, which is a violation of FCRA 623 ( a ) ( 3 ).

I am requesting immediate deletion of the tradeline due to lack of validation and inaccurate, re-aged reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I reached out to the company to get removal as the information reporting don't belong. I have enclosed documents to verify my identity below. Please refer to 15 U.S.C 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
XXXX XXXX A merchant cancelled and refunded a charge for {$2000.00}. I stayed in contact with said merchant and by XX/XX/XXXX I had not received the refund -- so I contacted my bank to dispute the charge and attempt to get their help in getting my refund. 
I provided my bank with proof of the cancelled transaction, all communications with merchant which clearly state they refunded my money, documents from refund and even witness accounts over the course of the last XXXX months. Yet I've continued to receive a denial. I've asked for the documentation they used in deciding my claim and I was sent a page withXXXX sentences on it, and the very last one was incorrect. Once I addressed that they asked for more information and then denied again. 
As of XX/XX/XXXX I still have not received my refund of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I tried calling to get the removal necessary as of this is a result of identitytheft and should not be on my report any longer

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 2025-05-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting fraudulent activity

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