vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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 writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Inquiries : Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXX. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following items on my Equifax credit report. These accounts and inquiries appear to be inaccurate and need correction. 

CHARGED OFF : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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: LA

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 ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX for an account related to XXXX XXXX at XXXX XXXX apartments. 

I vacated the unit due to confirmed mold and unsafe living conditions, following XXXX legal process for habitability-related lease termination and rent withholding. After moving out, I received a debt collection letter from XXXX in XX/XX/year>. Their email stated I could respond via email or by mail within 30 days. I did both : I replied to their email and sent a certified letter in XX/XX/year> formally disputing the debt under the Fair Debt Collection Practices Act. I received no response to either. 

Later, after XXXX  flagged the account as potentially fraudulent, I filed a formal FTC identity theft/fraud report, then sent another certified letter to XXXX in XXXX, notifying them that the debt was disputed, appeared to be fraudulent, and must be removed. Again, I got no response. 

XXXX falsely told the CFPB that I had never disputed the debt, despite clear records showing that I followed their own instructions and responded via both certified mail and email within the required timeframe. I have proof of both certified mail receipts and the email I sent. 

Most importantly, my apartment complex removed the debt and sent me an updated final statement when they returned my deposit showing that no outstanding balance was owed. This matches what I now see on my credit reports : all three major bureaus ( XXXX XXXX and XXXX  ) show that this collection account has been removed and is no longer reporting. 

XXXX is continuing to claim that I owe this amount, even though : I legally disputed it multiple times, It was flagged as potentially fraudulent, My apartments sent updated documentation clearing the balance, and All credit bureaus have removed the collection. 

This has caused unnecessary damage, stress, and wasted time trying to correct something that shouldve been resolved a long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am a consumer actively working on repairing my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged Off Accounts : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$81.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$55.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$35.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX OF XXXX - Date : XX/XX/XXXX XXXX CARD - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payment Accounts : XXXX  Account Number : 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 2025-12-03 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: CA

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing, and I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} TransUnion ( TU ) : XXXX  Date : XX/XX/XXXX TransUnion ( TU ) : XXXX  Account Number : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This Complaint concerns Santander Consumer USA, Auto Loan Account No. XXXX XXXX XXXX XXXX XXXXXXXX, relating to vehicle VIN XXXX. Sent validation request on XXXX asking specifically was the contract sold, transferred, or securitized and weather disclosure was made that the contract would be monetized, no response from Santander . On XXXX XXXX I sent a Notice of Non-Response, Sent another Notice of Validation on XXXX XXXX, XXXX, I received a response from Santander dated XXXX XXXX with a copy of the contract. 
I, XXXX XXXX XXXX, XXXX, submit this Complaint in XXXX  pursuant to equitable maxims and federal consumer protection statues. 
1. XXXX  JURISDICTION AND TRUSTEE CAPACITY- I appear solely in XXXX, in fiduciary capacity. XXXX will not suffer a wrong without remedy. 
2. DEFECTIVE EXECUTION- Contract was signed by me on XX/XX/XXXX but dealer executed it on XX/XX/XXXX, creating inequitable formation and constructive fraud. 
3. TILA VIOLATIONS- 15 U.S.C. 1605 - Mandatory fees were not included in the finance charge, causing the APR and Total of Payments to be inaccurate.

4. APR MISCALCULATION- Disclosed APR is mathematically inconsistent with the payment schedule under Regulation Z.

5. FAILURE TO IDENTIFY TRUE CREDITOR- Failure to properly disclose creditor identity constitutes a TILA violation and inequitable dealings.

6. UNJUST ENRICHMENT- Retaining payments under defective disclosures results in unjust enrichment under equitable doctrines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Well fargo increased the minimum balance req to XXXX from XXXX and charged {$10.00} fee. I never received mail or email informing about this increased fee

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Apoyo Financiero, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I got a loan from apoyo financiero XXXX XXXX XXXX XXXXXXXX XXXX ca XXXX. I should have been done paying it off on XX/XX/XXXX. They said that on XX/XX/XXXX they modified it. I had told them to NOT modify it, to leave it the way it is. I even have a copy of the paperwork that says I don't want it modified. I have filed a complaint twice with them. They said they would get back to me in a week. I heard from XXXX XXXX but they were going to help by extending my payments. I told him to just leave it the way it is. The 2nd complaint was to XXXX XXXX and I still have not heard back from him. Everytime I call to try n resolve this issue I just get the run around.please I need help resolving this issue. I have all paperwork in hand if needed tell me where to send it n I will send it. XXXX XXXX XXXX XXXX both said that I paid way to much on interest.so I don't know wats going on. Please help me resolve this. Thank you for hearing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd.
State: AL

Complaint narrative:
FDCPA VIOLATION : Attempting to Collect an Amount Not Owed Under the Fair Debt Collection Practices Act ( FDCPA ), collectors may NOT try to collect any amount greater than what is legally owed.

Relevant laws : 15 U.S.C. 1692e ( 2 ) ( A ) Illegal to falsely represent the amount or legal status of a debt.

15 U.S.C. 1692f ( 1 ) Illegal to collect any amount not expressly authorized by the contract or permitted by law.

Your case : Actual charges : {$4200.00} Collectors settlement offer : {$4800.00} Difference : {$600.00} they can not legally justify This is a clear FDCPA violation because they are inflating the debt.

2. FCRA VIOLATION : Reporting an Incorrect Amount to Credit Bureaus If the amount on your credit reports does not match what the collector says you owe, that triggers FCRA protections.

Relevant law : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A data furnisher ( collector ) may NOT report inaccurate information.

Additionally : 15 U.S.C. 1681i When you dispute an amount on your credit report, the collector must : Conduct a reasonable investigation Correct or delete inaccurate information Respond within 30 days If the collector inflated the debt AND reported it, this is a double violation.

3. FDCPA VIOLATION : Failure to Provide Accurate Itemized Accounting A collector must provide a complete itemized breakdown when you dispute.

You already said : They sent photocopies No proof of repairs No receipts No itemized explanation of charges Signature issue No chain of assignment That means they never verified the debt under : 15 U.S.C. 1692g ( b ) They must stop collecting until they provide meaningful verification. 

And they havent.

Company response to consumer: Closed with explanation