vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX XXXX company failed to provide an adequate explanation of how they verified the debt or how they previously validated the debt. 
They did not offer who validated the debt, on what date or time, how they verified debt including the contract to sell my debt to source receivables or midland credit systems that is currently threatening legal action as XXXX XXXX checked my credit hard inquiry today without permission. 

Remove this debt form my credit report they failed under FCRA law to give forward flow agreement, original contract, explanation of calculated interest and fees or any proof the debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX reported a false XXXX late payment for XX/XX/2024 on my home-equity line of credit ( Loan # XXXX ). 
I enrolled in AutoPay on XX/XX/2024, the same day my first payment was due. XXXX failed to process the XXXX until XX/XX/2024, creating a delinquency entirely caused by their delay. Their own Terms require reasonable efforts to process authorized funds transfers and warn of a XXXX setup period, but they provided no notice or instruction to make a manual payment. 

XXXX claims they called me on XX/XX/2024, yet their system note only states line busy. No follow-up or voicemail occurred, violating 12 CFR 1024.39 ( a ) ( live-contact requirement ). A late letter was mailed XXXX XXXX too late to cure. 

I request immediate removal of this inaccurate late mark, correction with all credit bureaus, reversal of related fees, and confirmation of Cenlars compliance with RESPA and FCRA requirements.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax Case # XXXX : XXXX XXXX, XXXX Lien release from Utah State commission explicitly states : that it the letter authorizes, and instruct the credit reporting agency to IMMEDIATELY REMOVE the lien from the Credit report of XXXX XXXX. as of XXXX 2025 this remains on the credit report of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 did not authorize any of these inquiriesXXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date

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 2025-11-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-20 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:
To Whom It May Concern, I am submitting this letter to request an immediate block of fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B.

The following account was opened without my knowledge, consent, or authorization and is the result of identity theft : Creditor/Account Name : XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX  XX/XX/year> In accordance with FCRA 605B ( a ), I request that this fraudulent account be blocked from my credit report within 4 business days.

Because this account is the result of identity theft, it is inaccurate, unverifiable, and unauthorized, and must be removed promptly under the law. 

Please send me written confirmation once the block has been completed. 

Thank you for your cooperation. 

Sincerely, 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 2025-11-20 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX and the XXXX i made XXXX small transactions on aliexpress.us for XXXX pieces of camera equipment. I used my XXXX account to fund the transactions via use of my CapitalOne credit card. 

According to Capital One the reason the transactions are being marked as cash advance is because XXXX is charging my credit card ( through my XXXX account ) using a tool called XXXX. This tool charges my card as a cash transaction. I am also charged interested that accrues * daily *. 

Of course as a consumer, none of this makes any sense. I am making a purchase through a website using my credit card, I am not taking out money from an ATM using my credit card. This sort of behaviour, where the e-retailer can determine what sort of fees the consumer should pay should be prohibited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
ompany : Comenity Bank ( Bread Financial ) Accounts affected : Lane Bryant ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) Complaint : Comenity Bank has charged me excessive and unfair fees due to system failures and misinformation from customer service. 
My previous bank account was closed, and I repeatedly attempted to update my new bank account information in Comenitys system. However, their system continuously blocked my login and did not allow me to update my payment method or make timely payments.

Because of Comenitys system malfunction, payments were incorrectly attempted from a closed account, resulting in returned payment fees that were NOT caused by me.

Despite only owing {$36.00}, Comenity charged me {$90.00} in fees across these accounts. They refunded only {$30.00}, leaving {$60.00} in unfair fees which is more than the original balance owed. This is excessive, unreasonable, and predatory. 
Customer service provided inaccurate explanations, including falsely telling me a payment did not go through because of a holiday. I worked in banking for 25 years, and I know this explanation is false. 
I was repeatedly told to try another browser, try another device, or send my payment another way, placing the burden on me to work around their system failures. 
Comenity refused to reverse the remaining fees and did not investigate properly.

I am requesting : Reversal of all remaining fees Reversal of interest tied to these fees Assurance of no negative credit reporting A complete investigation under the Fair Credit Billing Act ( FCBA ) Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express closed my business and personal accounts due to mistaken identity and incorrect association with a bankrupt company What happened : American Express has incorrectly associated my business with an unrelated company that recently filed for bankruptcy, which has resulted in the sudden and unexplained closure of both my business and personal accounts. 

My company is XXXX XXXX, doing business as XXXX XXXX XXXX XXXX, XXXX  in Missouri. We are not affiliated in any way with the unrelated short-term stay company XXXX, which filed for bankruptcy. We have different ownership, management, EIN, industry classification, and financial activity.

Despite this, American Express closed my business account, and shortly afterward closed my personal accounts, all tied to my own Social Security number. Representatives have suggested there is nothing they can do and have not offered any path to correct the misidentification.

I am extremely concerned that American Express has : -Incorrectly linked my personal identity or my business EIN to a bankrupt company -Reported, or may report, inaccurate negative information to consumer or business credit bureaus -Applied adverse action based on faulty or mismatched data American Express has not provided a clear explanation or an opportunity to verify or correct this error.

What I am requesting : -I am requesting that the CFPB require American Express to : -Conduct a full review of the identity and business misassociation.

-Remove any internal flags or notations inaccurately linking me or my business to Sonder.com.

-Provide written confirmation that no negative credit bureau reporting has occurred or will occur as a result of this error.

-Reconsider the closure of my accounts once the misidentification is corrected.

-Provide a written explanation of the decision and the corrective actions taken.

I can provide supporting documents, including my EIN registration, Articles of Incorporation, and any additional verification needed.

Company being complained about : American Express Outcome I am seeking : Correction of the misidentification, reinstatement consideration of my accounts, and written assurance that no inaccurate credit reporting has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX financed through Santander. The dealership ( XXXX XXXXXXXX XXXX XXXXXXXX, FL ) represented the vehicle as in good working order and claimed it had passed a multi point inspection. Within days of purchase, I discovered multiple major safety-related defects and pre-existing mechanical issues, none of which were disclosed before financing was approved. These included : cracked and worn front and rear suspension components ( control arms, thrust arms, bushings ) A/C drain blockage and water intrusion into the drivers footwell inoperative windows requiring regulator replacement moisture intrusion in the rear inner tail lamp neglected cabin and HEPA filtration missing XXXX charger that was present during the test drive An independent EV-certified facility ( The Electrified Garage ) confirmed these were long-standing issues and existed prior to sale. XXXX also identified the A/C water blockage upon inspection. 

These undisclosed defects significantly affect the safety, value, and insurability of the financed collateral. I contacted the dealership multiple times in writing requesting clarification and resolution. They did not respond within the timeframe requested. 

I am asking Santander to review whether the dealer misrepresented the condition of the vehicle during the financing process, and to assist in ensuring the loan reflects the true condition and value of the collateral or support a resolution with the selling dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 submitted disputes to Experian for several accounts that do not belong to me. I previously filed an Identity Theft Report through the FTC website and attached it to my disputes, along with proof of my identity. Despite following the proper procedures and providing all requested documentation, I recently checked my credit report and none of the disputed accounts have been removed or corrected. This inaccurate reporting continues to negatively affect my credit history, even though these accounts are fraudulent.

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 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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