vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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.

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 2025-12-01 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: IN

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-12-01 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding a financial loss I incurred due to a lost return shipment and the subsequent refusal of American Express to honor its purchase protection assurances. 

I purchased items using my American Express card. I returned the product because it did not match the description provided on the retailers website. The retailer issued a prepaid return label, which I used to ship the item back. The shipping method, carrier, and label were entirely provided and controlled by the retailer. 

The package, however, was lost in transit, as confirmed by the tracking information. Because the retailer never received the item, I suffered a total loss of {$630.00}. 

I contacted American Express to request assistance under their customer protection and dispute resolution policiespolicies that I relied on when choosing to use their card for the purchase. Despite this, American Express informed me that this was a third-party matter and refused to intervene. 

This characterization is incorrect. 

The retailer selected the carrier and provided the shipping label, meaning I had no control over the return method. 

The retailer did not insure the package, and I was required to use their return label. 
Because of this, the responsibility for the safe return of the package lies with the retailernot with me. 

American Expresss refusal to assist contradicts its advertised protection benefits, leaving me without the safeguards that influenced my decision to use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. 



Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately. 



Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information.

Send me an updated corrected credit report.

Cease all further unauthorized reporting in violation of federal law.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TN

Complaint narrative:
I am submitting this follow-up complaint to formally dispute multiple inaccuracies on my credit reports as provided by your agencies, under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666, 1666a, 1681i, 1681g, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), 1681c, 1681i, and the congressional findings in 602. Upon thorough review of my credit files across TransUnion, Experian, and Equifax, I have identified numerous accounts with late payments, balances, and charge-offs that are inconsistent, inaccurate, or obsolete, and that fail to comply with the FCRAs mandates requiring furnishers and credit reporting agencies to investigate, update, and correct information once disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Currently, I have no other recourse but to file an Identity Theft claim. XXXX of my daughters has stolen my personal information and used it to obtain at least XXXX credit cards from Synchrony Bank. XXXX of these accounts was recently sold off to a XXXX debt buyer. I am a XXXX retired person that can not take the shame I feel in dealing with such an awful situation. Accordingly, I am filing this identity claim with the Federal Trade Commission, and under my rights from the Fair and Accurate Credit Transaction Act as well as the Fair Debt Collection Practices Act, I hereby make this demand for removal of these collections on my personal credit reports.

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 2025-12-01 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: GA

Complaint narrative:
I am filing this complaint because multiple inaccuracies appear across my credit reports regarding three separate accounts XXXX  ending XXXX, XXXX  XXXX ending XXXX, and XXXX  XXXX ending XXXX and the credit bureaus and furnishers have failed to ensure the accuracy and consistency required under the FCRA. My XXXX account is reported with conflicting balances, dates of last activity, and late payment histories : Experian lists a balance of {$8200.00} with activity on XX/XX/XXXX, Equifax lists {$8300.00} with a different activity date of XX/XX/XXXX, and TransUnion reports yet another date of XX/XX/XXXX, all while late payment information varies between each bureau. My XXXX  XXXX account ending XXXX also displays inconsistent reporting, with Experian showing a {$3600.00} balance and a XX/XX/XXXX activity date, Equifax reporting similar data but with differences in payment history, and TransUnion listing a higher balance of {$3900.00} with a XX/XX/XXXX activity date. Additionally, my XXXX  XXXX account ending XXXX contains conflicting dates of last activity XX/XX/XXXX in Experian, XX/XX/XXXX in Equifax, and XX/XX/XXXX in TransUnionwhich raises concerns about accurate DOFD reporting and potential FCRA 605 ( a ) violations regarding obsolete or incorrectly dated information. These inconsistencies across the bureaus indicate a failure to comply with FCRA 611, 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), 1666, and 1666a, as the information furnished does not appear to have been properly verified, updated, or corrected despite its clear impact on my consumer file and creditworthiness.

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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My Mom, XXXX XXXX passed away XX/XX/XXXX. I continued making payments as best I could to Santander XXXX USA in Texas but got behind and as a result Santander had my Regularly maintained, mint condition, XXXX XXXX XXXX  repossessed on XXXX by a company out of XXXX called XXXX XXXX phone # ( XXXX ) XXXX I was in constant contact with them. 
I then managed to secure a loan and paid in full my debt to Santander. It was PAID OFF by XXXX XXXX  on the morning of XXXX. See attached bank docs. I spoke with " XXXX '' @ XXXX XXXX and he told me that my car had been picked up and sent to an auction yard in XXXX XXXX. The fact is that it was picked up and taken to auction only AFTER I had PAID IT OFF. When I arrived in XXXX to pick my car up, it was not drivable. It had to be towed to my home. It IS NOT EVEN MY CAR. And full knowing the car was paid off the went ahead and stole my vehicle. Santander has a reputation of picking up loans that they can bet on not being paid back. Like if you had a bankruptcy in your history. If your a senior or disabled as I am they knew I would not be able to pay them off but a miracle happened and I did. They had already sold my car because of its mint condition and low mileage. They are a very corrupt company. Please note the certificate of title has an error under odometer date. EXCEEDS MECH LIMITS. I have straightened this error out and am waiting for the new title in the mail everything is the same except that error will not exist on the new title. Also please see the date on orange sticker that was in the window when I went to pick up the car. The car was paid in full on the XXXX and the date on the Santander Sticker is AFTER. It says in the bottom left hand corner XXXX. So yes they STOLE MY CAR. I live alone im a senior in very poor health, XXXX and live miles from the nearest town. I kept my car in excellent shape for this reason. I have not been able to make my appts, get food or anything since I PAID MY CAR OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not give my consent or authorization, nor did I receive any benefit from these following accounts. This situation is deceptive, and I request the immediate removal of these accounts.

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 2025-12-01 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies across my credit reports with Experian, Equifax, and TransUnion that have caused inconsistencies in my credit history and are not reflective of my actual account activity. My XXXX XXXX ( XXXX ) account shows late payments in Experian but is missing entirely from Equifax and TransUnion. XXXX XXXX XXXX ( XXXX ) shows conflicting last activity dates and 30-day late marks across all three bureaus. XXXX XXXX XXXX XXXX XXXX ) shows differing last activity dates and account status between Experian and TransUnion. XXXX ( XXXX ) shows mismatched last activity dates and late payments between all bureaus. XXXX ( XXXX ) reports 30-day late marks in different months across bureaus. XXXX XXXX XXXX, XXXX ) shows inconsistent last activity dates and late payments, with Equifax reporting 60 days late while others show 30 days. XXXX XXXX ( XXXX, XXXX ) and XXXX ( XXXX ) are missing from some bureaus entirely or reported incorrectly. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA 611, 623, 1666, 1666a ), which require credit reporting to be accurate, complete, and consistent across all credit bureaus, and they have made it impossible for me to rely on my credit reports for accurate financial decision making.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am following up on my previously submitted complaint regarding inaccurate information reported on my XXXX credit file. Despite my initial submission, these discrepancies have not yet been fully addressed. that do not belong to me : 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 XXXXXXXX which may have been reported due to a data mix-up. I have never lived at these addresses and request that they be removed. These accounts show as late but I do not recall receiving any notices regarding such late payments, and I believe they may have been reported inaccurately. Furthermore, I found an account with XXXX XXXX XXXX XXXX ( XXXX ) marked as late closed with a balance of {$0.00}, which I believe is incorrectly reported as " late closed, '' and I request clarification and removal if found inaccurate. Finally, I noticed charge-offs listed for XXXX XXXX XXXX XXXX XXXXXXXX ) with balances of {$1100.00} and {$910.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} which I believe may not be accurate, and I request verification and removal of these charge-offs if they can not be substantiated. I ask that TransUnion investigate these discrepancies and, if found to be inaccurate or unverifiable, remove or correct these entries in accordance with the Fair Credit Reporting Act ( FCRA ). I respectfully request that TransUnion provide me with the results of their investigation and an updated copy of my credit report reflecting the necessary corrections. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by XXXX XXXX  XXXX XXXX XXXX on my account ending in XXXX. A late payment for XXXX is still being reported even though the account is now current and shows an on-time status.

Under FCRA 623 ( a ) ( 2 ), furnishers must update and correct outdated or inaccurate information once an account becomes current. If XXXX XXXX  can not verify this late payment with complete documentation, it should be deleted. 

This inaccurate reporting is harming my credit score, and I request a full investigation and correction.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Currently, I have no other recourse but to file an Identity Theft claim. XXXX of my daughters has stolen my personal information and used it to obtain at least XXXX credit cards from XXXX XXXX. XXXX of these accounts was recently sold off to a XXXX debt buyer. I am a XXXX retired person that can not take the shame I feel in dealing with such an awful situation. Accordingly, I am filing this identity claim with the Federal Trade Commission, and under my rights from the Fair and Accurate Credit Transaction Act as well as the Fair Debt Collection Practices Act, I hereby make this demand for removal of these collections on my personal credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
am filing this complaint because Equifax continues to report an account originally from XXXX XXXX XXXX, but Equifax has it mislabeled as XXXX XXXX XXXX XXXX. This is not the original creditor, and reporting the wrong furnisher name violates FCRA accuracy requirements. 

Beyond the incorrect creditor name, Equifax is also illegally re-aging this account. The date of first delinquency was XX/XX/XXXX, which means the account should fall off the credit report no later than XXXX  years from that date. However, Equifax continues updating the account through XXXX, extending its reporting life and pushing the removal date beyond what the law allows. This violates FCRA 623 ( a ) ( 5 ) and 605 ( a ).

Equifax is also reporting charge-off ( XXXX  ) status for every month for years, which is improper and violates XXXX guidelines XXXX A charge-off is a one-time event, not a recurring monthly negative status. Equifax continues to report inconsistent, outdated, and incomplete information for this account. 

The account also contains missing or inaccurate fields ( high credit, date closed, activity designator, proper charge-off date, and sold/transfer information ), making the reporting incomplete and unverifiable under FCRA 607 ( b ) and 611 ( a ). 

I have disputed this item multiple times, and Equifax has refused to correct or delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The company conducted an investigation. They provided no evidence to take their actions

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