vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXX  *, OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: WA

Complaint narrative:
TransUnion, XXXX and Experian contains multiple inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and misrepresent the status of the account. 
Here are the core issues : Different Open Dates : TransUnion reports XX/XX/year> XXXX and Experian report XX/XX/year> Different Last Payment Dates : TransUnion and Experian report XX/XX/year> XXXX  reports XX/XX/year> Experian shows Paid with settlement comments XXXX  and TransUnion show Charge Off or Derogatory despite the {$0.00} XXXX reports $ XXXX and Experian report $ XXXX Payment Status on Experian, Experian marks the payment status as Unknown, despite listing the account as Paid and noting that it was Settled in full for less than full balance. 
I took action by formally disputing these inaccuracies with all three credit bureaus. I requested either full deletion of the account or immediate correction to reflect the proper status, settlement, and accurate reporting across all data points. So far, no consistent resolution has been provided. 
This inaccurate and conflicting reporting is in violation of FCRA 607 ( a ) and 611 ( a ) and is causing ongoing damage to my credit profile. I am requesting that this account be either : 1.Fully deleted from all credit reports due to unverifiable and conflicting information, and OR 2.Updated across all bureaus to accurately reflect : Open date : XX/XX/year> Last payment date : XX/XX/year> Status : Paid Settled in full for less than balance Balance : {$0.00}. 
I appreciate your time and attention to this matter. I expect a prompt and thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Please ensure that all updates and resolutions are communicated to me within the legally mandated timeframe. I look forward to a swift resolution of these inaccuracies.

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: VA

Complaint narrative:
Zion Debt Holdings claims that I owe a debit that they purchased from XXXX security systems. I purchased an alarm system from XXXX back in XXXX. I paid for the system in full and never signed any contracts for security monitoring. I canceled the service and owe them nothing. This company placed a collection on my credit report several years ago I disputed it and it was removed now in XXXX they are back placing information on my credit report. I do not owe these people anything! I want this taken off my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: OH

Complaint narrative:
You violated the United States Code LAW ( TILA 15 U.S. code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly is a billing error.

KIKOFF Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-04 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-06-04 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: CA

Complaint narrative:
This is not a mistaken complaint. My credit report is filled with inaccurate information that clearly violates the standard of maximum possible accuracy. These persistent errors are damaging my finances and mental health, and the impact is getting worse with time. 
Enough is enoughthis situation is creating an unnecessary and unfair burden, and I demand swift corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX different applications ), XXXX XXXX ( XXXX different applications ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, all ran credit reports from XXXX XXXX XXXX  through XXXX XXXX XXXX all have different application numbers. I didn't authorize all these and all from a car dealership in XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I never authorized all these credit run reports. I want this resolved and off my credit report. This is causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX XXXX, Global Lending Services, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( 2 different applications ), XXXXy XXXX  ( 4 different applications ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all ran credit reports from XX/XX/2025 through XX/XX/2025 all have different application numbers. I didn't authorize all these and all from a car dealership in XXXX GA XXXX XXXX XXXX. I never authorized all these credit run reports. I want this resolved and off my credit report. This is causing me financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-04 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: NY

Complaint narrative:
Eqifax reported that I had a Bank XXXX XXXX account stating that I owed $ XXXX. 
I contacted XXXX XXXX XXXXXXXX and they showed I did not have an account with them. However, Equifax reported that I did. I contacted Equifax. While they are investigating it was suggested I report my problem to ReportFraud, FTC.Gov which has directed me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Account # XXXX Payment Date : XX/XX/year> To : PennyMac Loan Services , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX PennyMac reported my account as current and on-time to XXXX XXXX XXXX XXXX in early XX/XX/year> after a loan modification, as shown on my XX/XX/year>, statement ( XXXX overdue balance ). However, on XX/XX/year>, they incorrectly reported my XX/XX/year>, mortgage payment of {$920.00} and {$6.00} as a month late, causing my credit score to drop XXXX points, harming my ability to finance a car and water heater. I track my credit via bureau apps, which confirmed the missing report. I called PennyMac ( XXXX ) on XX/XX/year>, and the supervisor admitted they didnt report the payment, claimed they report a month late as neutral, dismissed my concerns, and offered a suspicious three-way call with bureaus, which felt deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
This same vehicle is reported on my credit report as Consumer Portfolio Services who states that the balance was written off. They never provided 1099 form showing me what was paid, sold, or remaining. They sold the account to XXXX XXXX who is a credit repair company who will not provide me with an actual pay off amount. This XXXX debt is holding weight with XXXX creditors on my report. The debt still hasnt been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold accounts to the best service co/ca and the both reporting a balance on credit report, also need the purcharse agreement. Or verification of debt.

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account under my name without ever providing legally required documentation proving the debt is valid. I have not received : A signed contract or agreement with the original creditor, A breakdown of the charges, Legal documentation establishing their right to collect or report this account. 

The only thing I have seen is the collection being reported on my credit file. That is not verification. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), this is a violation of my rights as a consumer. I have not been properly notified, I did not receive a debt validation letter within 5 days, and no legal proof of the debt has ever been sent. 

I am requesting that the CFPB : XXXX. XXXX XXXX XXXX XXXX for reporting unverifiable debt. 
XXXX. Require them to remove the account from all credit reports unless they can produce : A signed contract, Proof of assignment or legal ownership of the debt, XXXX itemized breakdown of the amount allegedly owed. 
XXXX. Impose penalties or sanctions if they continue reporting unverifiable information. 

This debt is hurting my credit and was added without due process or transparency. I demand immediate investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
My loans were discharged but they still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am submitting this formal response regarding TransUnions handling of my credit reporting dispute and to express my concern that they have failed to take the corrective action required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite a formal dispute and documentation submitted directly and through the XXXX XXXX XXXX, TransUnion continues to inaccurately report multiple accounts on my credit file, including but not limited to : - XXXX XXXX XXXX Inaccurate late payments unverified across other bureaus. 
- XXXX XXXX, XXXX XXXX, XXXX XXXX Conflicting payment and closure data across reports. 
- XXXX XXXX XXXX XXXX reported without proper debt validation or dispute notice. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked late despite resolution or balance closure. 

TransUnions written response failed to confirm whether any of these tradelines were independently verified, corrected, or removed based on the documents I submitted. This contradicts their obligations under FCRA 1681i ( a ) ( 1 ) and 1681s-2 ( a ), which require thorough and substantiated reinvestigation.

I also have not been provided with the 'method of verification ' per FCRA 1681i ( a ) ( 7 ), nor documentation proving that the data furnishers validated these accounts. If TransUnion can not verify this information, they are legally obligated to delete or correct it. 

Therefore, I am asking the CFPB to hold TransUnion accountable for these ongoing violations. I request that the CFPB compel TransUnion to : - Correct or delete all unverified and inaccurate tradelines - Provide full details of their investigation and verification sources- Cease reporting duplicate or erroneous data that causes consumer harm I am prepared to pursue further action, including private legal counsel, if these issues remain unresolved. I appreciate the CFPBs support in enforcing fair and accurate credit reporting standards.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a mistaken complaint. My credit report is filled with inaccurate information that clearly violates the standard of maximum possible accuracy. These persistent errors are damaging my finances and mental health, and the impact is getting worse with time. 
Enough is enoughthis situation is creating an unnecessary and unfair burden, and I demand swift corrective action.

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