vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Equifax, TransUnion, Experian ] Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Request to Update Personal Information To Whom It May Concern : I am writing to request an update and correction of inaccurate personal information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 
The following information is inaccurate and should be removed : - Incorrect Name ( XXXX ) : XXXX XXXX XXXX - Incorrect Address ( es ) : 118 Hidden XXXX XXXX XXXX XXXX Ga XXXX - Incorrect Employer ( XXXX ) : XXXX XXXX. 
Please update my file with the correct information as follows : - Correct Name : [ XXXX XXXX XXXX ] - Correct Address : [ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ] - Current Employer : [ Optional ] No Employer Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jim Bottin Enterprises, Inc
State: ME

Complaint narrative:
I canceled my XXXX XXXX XXXX XXXX membership in writing on XX/XX/year> using the official form signed by both myself and the manager ( showing {$0.00} due ). Despite this, XXXX XXXX XXXX continues to attempt to collect on the account, adding new charges each month. 

I sent proof of cancellation and formally disputed the debt under the Fair Debt Collection Practices Act, but they continue to send collection emails. They are deflecting responsibility, claiming they can not assist with cancellations, even though this dispute concerns an invalid debt, not a new cancellation. 

I am requesting that the CFPB require XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to : 1. Mark the account canceled as of XX/XX/year>, 2. Remove all charges, and 3. Confirm that no credit reporting or further collections will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AZ

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit file, in accordance with my rights under the Fair Credit Reporting Act 611.

Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate, verifiable, timely and complete information.

Under the FCRA, if the core identifying information is flawed, it calls into question the integrity of all accounts associated with it.

The following items are disputed. I request the deletion of these items, as the information furnishers can not provide validation or the data is erroneous : Personal Information : The name " XXXX XXXX '' is a misspelling, and " XXXXXXXX XXXX XXXXXXXX '' is incorrect. 
I would like the listed of Creditors to Validate the following debts listed in this dispute letter : According to 15usc1692g Creditors must provide me with my request to VALIDATE this debt, I would like your company to provide me with the following 4 items : The original signed contract establishing the debt ( a " wet ink '' signature ).

A complete accounting of the debt from inception.

Proof of their legal right to collect the debt. 
I am asking if there has been any insurance claim filed on this debt and if so, when was the insurance claim file. Please provide the month, the day and the year. 
I need proof that your company has the change of title to collect on the debt list in the request. 
Evidence that the debt is not time-barred by the statute of limitations.

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 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-13 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TM Communication LLC
State: MO

Complaint narrative:
On or about XXXX submitted a lawful tender and dispute packet to the company via fax, including a complete Affidavit of Tender and Dishonor, a Declaration of Trust Interest, and supporting exhibits requesting full validation of the alleged debt, a copy of the original wet-ink contract, and proper accounting. 

The company has refused or failed to acknowledge my tender, provide validation, or respond to lawful demand within the required time. Despite being placed on notice, they continued reporting the alleged account to credit bureaus, which constitutes bad faith, unlawful collection, and commercial dishonor under federal and state consumer law. 

This dispute is on record, and their silence constitutes acquiescence. I am demanding that this complaint be recorded, my credit report corrected, and that the company be required to cease all further reporting, contact, or enforcement attempts until they comply with the lawful tender and disclosure requests.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NM

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-13 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am frustrating since I have been hit from both angles. XXXX and XXXX XXXX XXXX refused XXXX h cancellation policy, for 3 tickets i purchased for my family for {$1700.00} Chase did not resolve dispute in my favor. 
Then, few months later on XX/XX/XXXX had phone call which supposed to be XXXX XXXX XXXX, It was scammer. XXXX XXXX had all our personal information including ticket numbers i though he is real since he knew everything about us. .Told me he would refund 3 tickets for cancellation fee of XXXX for each. I paid {$900.00} by credit card. Told me to wait about XXXX billing cycles to get refund. Since i did not get refund when he told me, I called him back, His number got disconnected. Called Chase to do dispute. Chase said to much time passed since date of charge to credit my account. I did what I was told by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
a copy of a statement is not verification of a debt .on XX/XX/year> i sent a certified letter asking for verification of debt, also a certified letter was sent on XXXX asking for a original sign contract, a purchase agreement, proof of the chain of title, a detailed assignment, all was sent was copies of monthly statement in which is not verification of debt. this debt collection company did not prove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
Dear Experian  I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Santander Consumer USA is reporting a vehicle loan that was opened without ny knowledge, consent, or signed authorization. The account lists me as borrower or co-borrower for a XXXX  XXXX XXXX, showing an alleged balance of about {$46000.00} and a past-due amount of {$5400.00}. 
have never signed or approved any loan retail installment contract for this vehicle. After discovering the account, I reviewed Santander 's online portal and found major inconsistencies : The payment history displays " Invalid date. '' The last billing tement availableis XX/XX/year>, even though it is now several months later. 
No signed contract or authorization is viewable. 
I contacted Santander and requested copies of the signed contract, application, and verification showing how my name was added to this account. The company did not provide ine requested information and continues to report the account as active and delinquent to the credit bureaus. 
This appears to be a fraudulent or misattributed account. The inaccurate- orting is harming my credi. violating my rights under the Fair Credit Reporting Act ( FCRA ). 
.. 
I am requesting that Santander :. Provide written proof of a valid, signed agreement showing my authorization ; or 2. Remove the account and all related negative reporting if no contract exists ; Cease all collection activity on this account ; and I. Provide written confirmation of its internal findings and corrections. 


Attached documents include Santander billing statements and portal screenshots showing data inconsistencies and missing contractual evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
THIS ACCOUNT IS FRAUDULENTLY LISTED UNDER MY NAME.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX withdraw {$1600.00}, XX/XX/XXXX withdraw {$2200.00} Both times I withdrew I wanted to do the " standard transfer. '' Both times I somehow did the instant transfer and paid almost {$40.00} in fees. As soon as I got to the withdrawal screen and touched the screen it did an " instant transfer. '' Both times I contacted customer support. Both times they were not helpful. 

I think the app is intentionally designed to make this " mistake '' happen, with no chance to " confirm '' and no recourse once it goes through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
Ive been making my monthly loan payments before the due date, and the payments have been successfully withdrawn by EdFinancial. However, these payments are not showing up on my online account, which is causing my account to appear past due. 

This situation is unacceptable, as I have consistently made my payments on time. Im now being marked as delinquent through no fault of my own, and this needs to be corrected immediately. 

Please review the dates and details in the attached documents to verify my payments and update my account accordingly. I want to ensure that I can continue making my payments without issue. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation