vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

III. Supporting Evidence ( To be Submitted if Available ) Copy of government-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showing inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX - XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXXXXXX ]

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 2025-06-18 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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

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 2025-06-18 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: FL

Complaint narrative:
This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. I. Unauthorized Inquiries Names of Entities : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each. II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries. 2. Correction of all inaccurate personal data and account statuses. 3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ). 4. Penalties against furnishers and CRAs for repeated violations. 5. Written confirmation of every reinvestigation and correction action. III. Supporting Evidence ( To be Submitted if Available ) Copy of government-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showing inaccuracies

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Final Notice XXXX XXXX ( XXXX XXXX  ) Continues to Illegally Report Inaccurate Account Information Creditor/Furnisher Name : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Issue Type : Inaccurate Credit Reporting / FCRA Violations Affected Bureaus : Equifax, Experian, TransUnion Summary of Complaint : This is a final demand before litigation regarding XXXX XXXX XXXX continued unlawful credit reporting practices. Despite previous disputes, XXXX XXXX continues to furnish inaccurate, unverifiable, and misleading information to the credit reporting agencies in violation of federal law. 

Key Facts : The XXXX XXXX account has been deleted and reinserted multiple times without the required notice or certification of accuracy. 

The balance and account status have changed repeatedly, despite no legitimate contractual obligation or verification. 

I have disputed this account in writing under my rights in the FCRA, but Citizens XXXX failed to conduct a reasonable investigation or permanently remove the account. 

These actions appear to be deliberate and reckless, and are causing ongoing harm to my credit reputation, score, and ability to obtain fair financial opportunities. 

Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Failure to conduct a proper reinvestigation and delete inaccurate information.

FCRA 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted data without proper procedures or notice.

Potential UDAP violations for deceptive furnishing practices.

Relief Sought : I am requesting the immediate and permanent deletion of this account from all credit reports. If this matter is not resolved, I am fully prepared to initiate litigation or arbitration and will seek all available remedies, including : Actual and statutory damages under the FCRA Punitive damages for willful misconduct Legal costs anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXormal legal action is initiated. 

Complainant : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Final Notice XXXX XXXX ( XXXX XXXX  ) Continues to Illegally Report Inaccurate Account Information Creditor/Furnisher Name : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Issue Type : Inaccurate Credit Reporting / FCRA Violations Affected Bureaus : Equifax, Experian, TransUnion Summary of Complaint : This is a final demand before litigation regarding XXXX XXXX XXXX continued unlawful credit reporting practices. Despite previous disputes, XXXX XXXX continues to furnish inaccurate, unverifiable, and misleading information to the credit reporting agencies in violation of federal law. 

Key Facts : The XXXX XXXX account has been deleted and reinserted multiple times without the required notice or certification of accuracy. 

The balance and account status have changed repeatedly, despite no legitimate contractual obligation or verification. 

I have disputed this account in writing under my rights in the FCRA, but Citizens XXXX failed to conduct a reasonable investigation or permanently remove the account. 

These actions appear to be deliberate and reckless, and are causing ongoing harm to my credit reputation, score, and ability to obtain fair financial opportunities. 

Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Failure to conduct a proper reinvestigation and delete inaccurate information.

FCRA 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted data without proper procedures or notice.

Potential UDAP violations for deceptive furnishing practices.

Relief Sought : I am requesting the immediate and permanent deletion of this account from all credit reports. If this matter is not resolved, I am fully prepared to initiate litigation or arbitration and will seek all available remedies, including : Actual and statutory damages under the FCRA Punitive damages for willful misconduct Legal costs anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXormal legal action is initiated. 

Complainant : 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello. I settled a debt with Santander back in XXXX of XXXX. My payment cleared, but Santander is still not reporting a {$0.00} balance on all three credit bureaus. Truth be told, I'm not sure if its Santander not reporting a {$0.00} balance or XXXX  not reporting a {$0.00} balance. Either way, I have disputed the balance with both companies and neither has fixed it. Instead, I am receiving letters from the credit bureaus saying my disputes didn't appear to be sent by me or someone authorized by me. 

I don't care who sent my disputes in. Whether it was me or someone I hired to do it for me. They do have my authorization, and if a settled in full letter reaches the credit bureau or Santander, they have to honor it and FIX MY CREDIT REPORT! 

I saw the credit bureaus got sued by you in XXXX for doing this exact same thing to people for the last XXXX years. Where they ignore disputes and letters received. Do I have to sue them personally? Please have them fix this and update Santander to show a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am once again demanding the permanent DELETE of all inaccurate, unverifiable, and misleading information listed in this dispute. You are reporting derogatory information that lacks any factual proof or legal substantiation, which constitutes a reckless disregard of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and directly violates Metro 2 data reporting standards.

You have failed to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). Your continued reporting of unverifiable and conflicting information across multiple data fields reflects willful non-compliance with both the FCRA and CDIA Metro 2 guidelines. I have a legal right to receive full and verifiable proof, including original signed contracts or applications, bearing my signature, to support the validity of any account or inquiry being reported. Absent this, you are required by law to DELETE all disputed information immediately. 

Personal Information Being Challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Accounts Being Challenged : XXXX - XXXX Inquiries Being Challenged : 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 This is your legal obligation under 15 U.S.C. 1681i ( a ) ( failure to reasonably investigate ), 1681e ( b ) ( failure to maintain accuracy ), and 1681s-2 ( b ) ( knowingly furnishing inaccurate information ). If you fail to provide valid proof of authorization, consent, or original documentation for these accounts and inquiries, DELETE them from my file immediately. 

I expect written confirmation by mail showing the results of your investigation, including updated credit reports reflecting permanent deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im filing this complaint because I am the victim of an account takeover involving my Best Buy/Citibank account XXXX. The individual who took control of my account was able to verify and approve fraudulent transactions because they had already gained access to my XXXX phone account. 

After taking over my XXXX line, the fraudster used it to approve charges and verify activity with Citibank/Bestbuy impersonating me in the process. I did not authorize these charges and have submitted multiple pieces of proof to both Best Buy and Citibank, including : A police report for identity theft and account takeover ( Case # XXXX ) A fraud verification letter from XXXX, confirming that my XXXX account was compromised and not under my control at the time of the transactions Despite this, Citibank/Best Buy has denied my disputes, claiming I personally accepted the charges. That is not true the person who took over my XXXX line and Citibank account did so without my knowledge or consent, and they used that access to falsely verify the transactions.

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 monetary relief
Consumer complaint received 2025-06-18 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
XXXXDear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely,  XXXXXXXX XXXX XXXXXXXX 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 2025-06-18 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: TX

Complaint narrative:
XXXXDear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely,  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
The lender Navient and the University of XXXX engage in deceptive practices and enrolled me in subprime FFEL loans that accumulated more than double the principal in interest because the lender did not service my loan properly. The lender directed me more than once to put my loan in forbearance and did not informed me of recertification. When asked multiple times for a loan payment history and interest accumulation the lender never answered. These concerns where addressed by the Puerto Rico government in a class action which resulted a settlement of XXXX XXXX on XXXX. In XXXX, the lender advised me to take a consolidation loan so that I can take advantage of the SAVE plan of the US Department of Education which render me ineligible to the Puerto Rico Government Settlement. Even though this is the case, I experience the same harm as stated in the PR government action and for this reason I raise this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation