vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for inaccurate credit reporting and failure to properly investigate a dispute concerning a XXXX auto lease obligation associated with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX. ( as indenture trustee of XXXX XXXX XXXX XXXX XXXX XXXX ). 

The lease was securitized and monetized by XXXX XXXX XXXX XXXX, with proceeds deposited into the XXXX XXXX XXXX, as confirmed in public SEC filings XXXX Form XXXX, prospectus supplements ). As such, the obligation was XXXX through trust-level settlement and payment monetization. Despite this : All three bureaus continue to report the account as XXXX days past due, which is false and materially misleading. 
This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i ( Failure to conduct reasonable reinvestigation ) and 1681s-2 ( Duty to report accurate information ). 
My valid dispute and supporting documents were previously submitted and ignored or dismissed without proper reinvestigation or explanation. 

Furthermore, the creditor ( XXXX XXXX XXXX and the bureaus have wrongfully dismissed my tender as a fictitious instrument without legal basis, echoing language often used to discredit consumers rather than address their claims on merit. I am not affiliated with any sovereign citizen ideology, and such implications are defamatory and discriminatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
The unauthorized inquiries listed below were made without my consent and are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) and none of them were initiated and or approved by myself as result of Identity theft reported to Experian 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 XXXXXX/XX/XXXX Experian up to this point has not removed the hard Inquires with is affecting my score

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 2025-05-15 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Delete the accounts below : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 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:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute I am writing to formally dispute the accuracy of the late payment history reported for the following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. I respectfully request that you investigate this matter, correct the payment history if it is found to be inaccurate, and provide me with written confirmation and a free updated copy of my credit report upon completion of the investigation.

Please complete your investigation within the 30-day timeframe as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX the accuracy of the late payment history reported for the following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. I respectfully request that you investigate this matter, correct the payment history if it is found to be inaccurate, and provide me with written confirmation and a free updated copy of my credit report upon completion of the investigation.

Please complete your investigation within the 30-day timeframe as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding my auto loan with XXXX XXXX ( Account # : XXXX ) due to serious concerns about how my payments were applied and how this activity may have been reported to the credit bureaus. 

I previously requested and received a copy of my full payment history from XXXX XXXX. Upon reviewing this history, I found that multiple payments were applied disproportionately toward principaldespite the fact that I never intended to make extra principal payments. All payments made throughout the term of the loan were submitted for the purpose of satisfying monthly obligations only. 

For example, on XXXX XXXX XXXX, XXXX XXXX  recorded a payment of {$1800.00}, with approximately {$1700.00} applied directly to principal. I did not authorize or request this to be applied as a principal-only payment, and I believe it may have been misapplied. Similarly, other monthssuch as XXXX, XXXX, XXXX, and XXXX XXXXreflect principal payments that are unusually high and inconsistent with my standard monthly payment, which typically did not exceed {$300.00}. 

As a result of these potential misapplications, I am concerned that : 1. My account may have been flagged or treated as delinquent for periods where payments were not credited properly toward the balance due. 
2. Payments applied as principal-only may have caused other months to appear unpaid or late.

3. These issues may have resulted in inaccurate or harmful reporting to the credit bureaus, including any record of payments being more than 30 days past due. 

I have made several attempts to ensure my payments were properly made and applied. If XXXX XXXX applied any of my payments as principal-only without my request or failed to credit payments appropriately, I request that the CFPB assist in investigating this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint against Capital One Auto Finance and XXXX XXXX XXXX for willfully reporting false, incomplete, and materially misleading account information to XXXX in violation of the Fair Credit Reporting Act ( FCRA ), including sections 1681e ( b ), 1681s-2 ( b ), and 1681i ( a ). 

Capital One Auto Finance is reporting a history of delinquencies from XXXX on an account that was paid and closed in XXXX I have requested validation of this payment history through XXXX including itemized ledgers and original contracts. Instead of investigating properly, the company simply verified the data without producing a single document. 

XXXX XXXX is reporting a charge-off with a growing balance and a string of XXXX day lates long after the account was closed. These delinquencies are unverifiable, misleading, and appear to be deliberately re-aged. No original documentation, ownership validation, or ledger records were ever provided. 

These companies have failed to meet their statutory obligations under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or incomplete data, and 611 ( a ), which requires proper reinvestigation upon dispute.

XXXX  failed to conduct a proper reinvestigation under 1681i and merely parroted back the furnishers responses without verifying any supporting evidence. 

I am demanding full deletion of both tradelines unless complete validation is provided. If this complaint does not result in resolution, I am prepared to pursue legal action for actual, statutory, and punitive damages under FCRA 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX, XXXX XXXX XXXX XXXX XXXX am filing a formal dispute regarding a series of unauthorized hard inquiries that appear on my credit report. These inquiries were not initiated, approved, or consented to by me, and I did not provide written authorization for any credit applications with the listed entities. 

According to 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report with the explicit consent of the consumer, or in connection with a credit transaction initiated by the consumer. None of these inquiries meet that legal standard. 

List of Disputed Inquiries : XXXX - Date of Inquiry : XX/XX/XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX - Date of Inquiry : XX/XX/XXXX FCRA Violations Cited : 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose and proper authority.

15 U.S.C. 1681b ( c ) : Requires that inquiries be made only with prior written authorization or in relation to a transaction initiated by the consumer. 

These inquiries are a clear violation of my rights under the FCRA. I am not requesting validation. I am demanding the immediate deletion of each inquiry that can not be proven to have been authorized by me in writing. 

Requested Action : XXXX a full investigation into each inquiry listed above. 

Require each creditor to provide documented proof that I granted explicit written consent. 

If no such documentation exists, delete the inquiry from my credit report with all applicable agencies. 

Instruct the credit bureaus to update my file and send corrected versions to any party who XXXX have accessed the erroneous information. 

Attached Supporting Documents : Copy of my photo ID XXXX of my Social Security card Proof of address I respectfully request that the CFPB enforce my rights under the FCRA and XXXX to ensure these unauthorized inquiries are permanently removed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 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:
I am filing this formal complaint against Experian, TransUnion, and Equifax for inaccurate credit reporting and failure to properly investigate a dispute concerning a XXXX auto lease obligation associated with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX. ( as indenture trustee of XXXX XXXX XXXX XXXX XXXX XXXX ). 

The lease was securitized and monetized by XXXX XXXX XXXX XXXX, with proceeds deposited into the XXXX XXXX XXXX, as confirmed in public SEC filings XXXX Form XXXX, prospectus supplements ). As such, the obligation was XXXX through trust-level settlement and payment monetization. Despite this : All three bureaus continue to report the account as XXXX days past due, which is false and materially misleading. 
This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i ( Failure to conduct reasonable reinvestigation ) and 1681s-2 ( Duty to report accurate information ). 
My valid dispute and supporting documents were previously submitted and ignored or dismissed without proper reinvestigation or explanation. 

Furthermore, the creditor ( XXXX XXXX XXXX and the bureaus have wrongfully dismissed my tender as a fictitious instrument without legal basis, echoing language often used to discredit consumers rather than address their claims on merit. I am not affiliated with any sovereign citizen ideology, and such implications are defamatory and discriminatory.

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 2025-05-15 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: MI

Complaint narrative:
I sent in a letter regarding these accounts to be deleted immediately over 30 days ago nothing has been done and I am a federal protected consumer that is being violated and taken advantage of. 

I believe that the reporting of these debts as valid is misleading for the following reasons : - The original companies have reportedly written off these debts and sold them to third-party creditors, leading to circumstances where I as a federal protected consumer under the Fair Credit Reporting Act 16 CFR 433.2, the Truth In Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ) contest the legitimacy of these debts being reported on my credit history.

- Pursuant to the FCRA, I am requesting a complete investigation of these accounts and would like the inaccurate entries removed from my credit report if they are found to be unsubstantiated.

* * Required Documentation * * : I would appreciate a prompt review of the documentation associated with these accounts. I have enclosed copies of relevant information that support my dispute back dated letter that was sent in over 45 days ago and nothing was done.

* * Request for Correction * * : I kindly request that your agency cease reporting this information until a thorough investigation has been conducted. If it is found that the information reported is inaccurate or unverifiable, I request immediate removal from my credit file with Experian, TransUnion, and Equifax.

Please respond to this letter within 30 days, as mandated by the FCRA. You may reach me at the phone number or email provided above for any necessary communication.

Thank you for your attention to this matter. I trust that you will handle it in accordance with the law.

Reguarding these companies listed : * * Disputed Accounts * * : 1. * * XXXX XXXX XXXX XXXX * * - * * Original Creditor * * : XXXX XXXX  - * * Account Number * * : XXXX 2. * * XXXX  XXXX XXXX * * - * * Original Creditor * * : XXXX XXXX XXXX - * * Account Number * * : XXXX 3. * * XXXX XXXX XXXX * * - * * Original Creditor * * : XXXX XXXXXXXX XXXX - * * Account Number * * : XXXX 4. * * 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 2025-05-15 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: MI

Complaint narrative:
I sent in a letter regarding these accounts to be deleted immediately over 30 days ago nothing has been done and I am a federal protected consumer that is being violated and taken advantage of. 

I believe that the reporting of these debts as valid is misleading for the following reasons : - The original companies have reportedly written off these debts and sold them to third-party creditors, leading to circumstances where I as a federal protected consumer under the Fair Credit Reporting Act 16 CFR 433.2, the Truth In Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ) contest the legitimacy of these debts being reported on my credit history.

- Pursuant to the FCRA, I am requesting a complete investigation of these accounts and would like the inaccurate entries removed from my credit report if they are found to be unsubstantiated.

* * Required Documentation * * : I would appreciate a prompt review of the documentation associated with these accounts. I have enclosed copies of relevant information that support my dispute back dated letter that was sent in over 45 days ago and nothing was done.

* * Request for Correction * * : I kindly request that your agency cease reporting this information until a thorough investigation has been conducted. If it is found that the information reported is inaccurate or unverifiable, I request immediate removal from my credit file with Experian, TransUnion, and Equifax.

Please respond to this letter within 30 days, as mandated by the FCRA. You may reach me at the phone number or email provided above for any necessary communication.

Thank you for your attention to this matter. I trust that you will handle it in accordance with the law.

Reguarding these companies listed : * * Disputed Accounts * * : 1. * * XXXX XXXX XXXX XXXX * * - * * Original Creditor * * : XXXX XXXX  - * * Account Number * * : XXXX 2. * * XXXX  XXXX XXXX * * - * * Original Creditor * * : XXXX XXXX XXXX - * * Account Number * * : XXXX 3. * * XXXX XXXX XXXX * * - * * Original Creditor * * : XXXX XXXXXXXX XXXX - * * Account Number * * : XXXX 4. * * XXXX XXXXXXXX, XXXX * * - * * XXXX XXXX * * : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Ok I tried XXXX XXXX loan off XXXX me and my mom both offered pay the {$350.00} at XXXX advance financial and they refused I tried pay off both in person and online they lied and blocked my accounts then this month I received civil warrant for court XXXX dollars because they claimed they couldn't find or contact me waited nearly 2 years pure crazy

Company response to consumer: Closed with explanation