vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So there was a fraudulent account opened in my name. There was also a fraudulent check deposited in this account for {$9300.00}. I believe I have no recollection of doing this or no information of where this check came from the last account. I remember having it with Bank of America Closed because there was no money in it. Can I please get some help with this information?

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 2025-11-23 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: Affirm Holdings, Inc
State: DE

Complaint narrative:
I signed into my Affirm account and found that there were XXXX new loans showing on it, and contacted Affirm to report them. They put me on hold and then told me to call back later. 

When I call back the next day, they did not note anything about my previous call. When I ask for a XXXX they decided to take my report and investigate. 

I checked my email today and saw a email from them telling me I am responsible for the loan, even though I reported the fraud and from what I understand, nothing has been despense or shipped, so I thing Affirm is opening these accounts to steel my money, similar to what XXXX XXXX did a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Account Reporting Inaccuracy ( Opened XX/XX/year> ) I am disputing the accuracy and legitimacy of the XXXX account currently appearing on my credit report. Although the bureaus are reporting this account as Open and Current, there are multiple inconsistencies and verification failures that require immediate reinvestigation under FCRA 611 ( a ) and 607 ( b ). The high credit amount, credit limit, and payment history data reported across the bureaus contain structural discrepancies, including incomplete historical payment records and mismatched metadata between TransUnion, Experian, and Equifax. In addition, the account furnisher has not provided any authenticated documentation validating that the account terms, credit limit, payment schedule, and ongoing reporting are accurate or verifiable. Without legally sufficient evidenceincluding original signed applications, billing records, and confirmation of proper servicingthis account can not be verified to the standard required by federal law. Therefore, I am requesting that this account be removed or corrected in its entirety based on unverifiable, inconsistent, and potentially erroneous reporting. Written confirmation of the deletion or correction is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX Account Reporting Inaccuracy ( Opened XX/XX/year> ) I am disputing the accuracy and legitimacy of the XXXX account currently appearing on my credit report. Although the bureaus are reporting this account as Open and Current, there are multiple inconsistencies and verification failures that require immediate reinvestigation under FCRA 611 ( a ) and 607 ( b ). The high credit amount, credit limit, and payment history data reported across the bureaus contain structural discrepancies, including incomplete historical payment records and mismatched metadata between TransUnion, Experian, and Equifax. In addition, the account furnisher has not provided any authenticated documentation validating that the account terms, credit limit, payment schedule, and ongoing reporting are accurate or verifiable. Without legally sufficient evidenceincluding original signed applications, billing records, and confirmation of proper servicingthis account can not be verified to the standard required by federal law. Therefore, I am requesting that this account be removed or corrected in its entirety based on unverifiable, inconsistent, and potentially erroneous reporting. Written confirmation of the deletion or correction is required.

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 2025-11-23 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: TN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 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: RI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CT

Complaint narrative:
I signed up for XXXX XXXX XXXX back in XXXX of XXXX. 

This was not a loan. This was not a credit card. I was to pay a certain amount of money, every month, to show positive payments and report positively to my credit report. 

After realizing this company is a scam, and not worth the time, they decided to close my account, report a {$530.00} balance ( lol how, it's not a credit card, nor a loan, no funds were distributed, quite literally ever ) to the bureaus. 

This has been affecting my score for years, with no resolution. 

I have attempted to dispute this many times over the years. 

They have decided to use " Account Paid by Collateral '' as the reason for close, again, lol, what collateral. 

This is a scam and I intend to pursue a civil lawsuit unless this company fixes this. This company is a joke, and this should not be allowed by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 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: NC

Complaint narrative:
Victim of XXXX XXXX Breaches The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations. 

Fraud Account : XXXX Card # XXXXXXXX XXXX XXXX XXXX Opened XX/XX/2025 : Balance {$4900.00} Date Noticed : XX/XX/2025 I stress that your agency has failed to provide a resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent over the last year and informed your agency but the issue still transpiring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-23 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: NV

Complaint narrative:
I am disputing several inaccurate, unverifiable, and fraudulent items appearing on my credit reports. 

These include : A collection account from XX/XX/XXXXthat is NOT mine Multiple incorrect late payments Incorrect balances Duplicate account reporting Metro-2 coding errors Improper account statuses Furnishers not validating accounts under FCRA 623 Credit bureaus failing to properly investigate under FCRA 611 Failure to provide method of verification under 611 ( a ) ( 6 ) ( B ) ( iii ) The bureaus verified accounts without providing validation or documentation. 

These errors have lowered my credit score and caused emotional and financial harm. 

I request the CFPB enforce : Full validation of all disputed accounts Deletion of any unverifiable or incorrect information Correction of all reporting errors Immediate removal of theXX/XX/XXXX Reinvestigation of all disputes

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 2025-11-23 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: NV

Complaint narrative:
I am disputing several inaccurate, unverifiable, and fraudulent items appearing on my credit reports. 

These include : A collection account from XX/XX/XXXXthat is NOT mine Multiple incorrect late payments Incorrect balances Duplicate account reporting Metro-2 coding errors Improper account statuses Furnishers not validating accounts under FCRA 623 Credit bureaus failing to properly investigate under FCRA 611 Failure to provide method of verification under 611 ( a ) ( 6 ) ( B ) ( iii ) The bureaus verified accounts without providing validation or documentation. 

These errors have lowered my credit score and caused emotional and financial harm. 

I request the CFPB enforce : Full validation of all disputed accounts Deletion of any unverifiable or incorrect information Correction of all reporting errors Immediate removal of theXX/XX/XXXX Reinvestigation of all disputes

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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I purchased my car on XX/XX/XXXX, for {$17000.00}. The interest rate was XXXX XXXX for a XXXX-year loan. Due to changes in my life, my niece will help with my car loan. I gave her my information, and she asked why I still owed {$13000.00} as of the XX/XX/XXXX statement. I called and asked a representative, who told me its because of my XXXX XXXX interest rate. The XX/XX/XXXX statement listed the statement date as XX/XX/XXXX, description as payment made, total as {$470.00}, principal as {$210.00}, interest as {$250.00}, late fee as {$0.00}, and other fees as {$0.00}. My niece again questioned the interest rate because XXXX XXXX of {$470.00} is not {$250.00}. It is {$110.00}. 

My niece tried to create an online account for me so we could review my history, but she was unable to. We called and gave the representative the same information we put online. The representative was able to pull up my account. While on the phone, the representative couldn't help getting an account set up. 

My niece filed a complaint with the Consumer Financial Protection Bureau, but Santander Consumer USA said they could not respond because she is not listed on the account or loan or authorized to receive the consumers financial information. 

I didnt realize I needed to question why so much of my payment goes toward interest. I didnt realize I needed to question why I still owe {$13000.00} after XXXX years. Please explain, and please let me know how we can set up an online account.

Company response to consumer: Closed with non-monetary relief