vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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 is now my fourth attempt to have my credit file corrected regarding the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX which continues to be reported as a charge-off. Each time I have raised this matter, I have been met with the same inaccurate result, even though the law is clear and my rights as a consumer are being ignored. 
This debt exceeds {$600.00}, yet no 1099-C has ever been produced. Without that documentation, the reporting of this charge-off can not be verified or considered accurate. By continuing to allow this item to remain, the bureau is in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires the reporting of only the maximum possible accuracy. Instead, my file is being misrepresented and my financial character is being unfairly damaged.

The repeated reinvestigations without any meaningful correction show a failure to comply with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed items. The failure to remove unverifiable information after multiple disputes also shows a disregard for my rights under federal 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 2025-09-26 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:
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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$240.00} Account Name : DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$870.00} Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-09-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Demand for Deletion XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Reference ID : XXXX To Whom It May Concern, I am formally disputing the accuracy and legality of the above-referenced collection account appearing on my credit report. 

This account, reported by XXXX XXXX XXXX XXXX, is inaccurate, unverifiable, and in violation of federal law, specifically : FCRA 15 U.S.C. 1681i ( a ) You are required to conduct a reasonable reinvestigation of disputed information. Failure to do so or continuing to report unverifiable data is unlawful. 

FCRA 15 U.S.C. 1681e ( b ) You must maintain maximum possible accuracy. Reporting accounts without complete and verifiable documentation violates this duty. 

FDCPA 15 U.S.C. 1692g ( b ) Debt collectors must cease collection and reporting activities until full validation is provided. I have issued a Cease & Desist to XXXX under 15 U.S.C. 1692c ( c ) refusing to pay and demanding they stop communication. 


Since this alleged debt is legally disputed, unverifiable, and subject to a cease & desist, Equifax is obligated to : XXXX. Delete this account immediately from my credit file. 


XXXX. Provide me with a written confirmation of deletion within XXXX  days. 


XXXX. Ensure this account is not reinserted without full legal certification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 



Failure to comply will result in formal complaints filed with the CFPB, FTC, and state Attorney General, and I will pursue all available remedies under the FCRA and FDCPA. 

This is your final opportunity to correct this matter voluntarily. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: OH

Complaint narrative:
I am submitting this complaint regarding a violation of the FCRA by Equifax, XXXX  and XXXX. Specifically, the bureaus has reinserted an item that was previously deleted from my credit file, without providing the required written notice. XXXX 's XXXX credit card was deleted from my account XX/XX/year>. On my updated credit report in XX/XX/year> the same account was reinserted without any notice provided to me which should be ( 5 ) business days by law. I asked for a complete payment history and account record and any documents showing that they received my payment late. When I called Equifax, XXXX  and XXXX  they told me that the account was verified but I didn't receive any documentation. Also on my dispute was inaccuracies of other information that is different across all ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I WAS NEVER LATE ON THIS CAR. THERE IS A PROOF WHICH I REQUESTED AND THIS IS MAKING ME NOT LEGIBLE FOR OFFERS AND UNABLE TO WORK WITH INSTITUTIONS I WANT TO. PLEASE FIX THIS BECAUSE ITS STILL THERE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am filing this complaint against all three credit bureaus ( Experian, Equifax, and TransUnion ). I previously submitted factual disputes along with a valid Identity Theft Report, attaching the supporting documents to my dispute letters. Despite this, the disputed fraudulent accounts continue to remain on my credit reports as if no investigation or corrective action has been taken. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires the credit bureaus to conduct a reasonable investigation and remove inaccurate or fraudulent information when provided with proper evidence. I have done my part by supplying the required documentation, including the official identity theft report, yet my credit files remain uncorrected. 

Additionally, on Monday, XX/XX/XXXX, I already filed a complaint with the CFPB regarding this matter. However, my complaint was closed immediately without any meaningful investigation or verification. This premature closure has left me without a fair resolution, while the fraudulent accounts continue to harm my credit profile. 

I am requesting that the CFPB reopen and properly investigate my complaint, ensure that the credit bureaus comply with the law, and confirm the deletion of these fraudulent accounts from all three of my credit reports. I expect a thorough review of my case and written confirmation once the accounts are removed.

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 2025-09-26 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: CA

Complaint narrative:
I am filing this complaint against all three credit bureaus ( Experian, Equifax, and TransUnion ). I previously submitted factual disputes along with a valid Identity Theft Report, attaching the supporting documents to my dispute letters. Despite this, the disputed fraudulent accounts continue to remain on my credit reports as if no investigation or corrective action has been taken. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires the credit bureaus to conduct a reasonable investigation and remove inaccurate or fraudulent information when provided with proper evidence. I have done my part by supplying the required documentation, including the official identity theft report, yet my credit files remain uncorrected. 

Additionally, on Monday, XX/XX/XXXX, I already filed a complaint with the CFPB regarding this matter. However, my complaint was closed immediately without any meaningful investigation or verification. This premature closure has left me without a fair resolution, while the fraudulent accounts continue to harm my credit profile. 

I am requesting that the CFPB reopen and properly investigate my complaint, ensure that the credit bureaus comply with the law, and confirm the deletion of these fraudulent accounts from all three of my credit reports. I expect a thorough review of my case and written confirmation once the accounts are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
Upon reviewing my credit report, I noticed inaccurately reported late payments on an account for which I have consistently made timely payments. As consumer reporting agencies are responsible for ensuring the accuracy of reported information, it is critical that my credit data reflects my true payment history. 

Specifically, I have never missed a payment on the following account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX I respectfully request a thorough investigation into these discrepancies. Please provide documentation, such as account statements, that substantiates the reported late payments. If such evidence can not be provided, I request that the inaccurate information be corrected immediately to reflect the accurate, on-time status of all payments made on this account. 

Thank you for your prompt attention to this matter. 

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 2025-09-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
FRAUD ON THE COURT This company is still billing me after the judgment has been granted for foreclosure. 

They've used the opportunity to reply to my last CFPB complaint on their system. This is an action consistent with masking unauthorized accounting activity. 

The attachments show : 1. the continued attempt to collect on a closed debt. Which I'm taking as a safety threat.

2. subversion of the agency required process, by replying to my message internally.

[ note the email with the link to the response is one day before reporting to this agency portals that they're working on the response. ] NOW I KNOW XXXX  IS IN ON THIS SCAM BECAUSE THE TAX OFFICE NOTES ARE IN MY POSSESSION [ THAT'S YOU RIGHT?? ] Could you clear up for me who XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they cleared the other liens that you've purported to have paid for.. So yeah who are they and I guess who are you?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent credit card account that was opened in my name without my consent by scammers. The account in question is a {$500.00} XXXX XXXX XXXX XXXX 

I did not apply for, authorize, or consent to this account. Its presence on my credit report is the result of identity theft and is causing harm to my creditworthiness. This action violates my rights under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

I request that XXXX XXXX take immediate action to : 1. Close the fraudulent account and prevent any further activity.

2. Remove all associated information from my credit report immediately.

3. Provide written confirmation that the account has been removed and will not impact my credit history.

4. Ensure that no collection actions or negative reporting occur in connection with this account. 

This matter is urgent and must be corrected immediately to prevent further harm. 

Sincerely

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 2025-09-26 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
My information was leaked in a data breach, and now my seeing an unauthorized and inaccurate account on my credit report. I demand that these negative items on my credit report be removed. The following items I need removed are the XXXX credit card. XXXX  has already removed this item from my credit report. Failure to delete these fraudulent items from my credit report is a violation of multiple FCRA laws and will leave me no choice but to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt collectors, who are now attempting to collect on balances that I did not incur and do not owe. I have disputed these debts directly with the collectors and the credit bureaus, making clear that XXXX XXXX not responsible for them. 
Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the collectors cease all further collection efforts against me. I can provide supporting documentation, including my prior identity theft report, correspondence with collectors, and evidence of my disputes, to verify that XXXX XXXX not liable for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, we discovered that an unauthorized transfer of {$5300.00} was made from our Bank of America checking account to XXXX XXXX by an unknown person. We immediately reported this unauthorized transaction to the bank on the same day. 

Since then, we have visited the bank multiple times for updates. Each time, we were told that the case was " under investigation, '' with the timeframe first being XXXX days, which has now been extended to 60 days. As of today, over a month has passed, and we have not received any reimbursement or a final resolution. 

We also went to the police station twice to report that unauthorized funds were taken from our account. However, the police refused to take a report, stating that because it was an overseas theft, our money was " not lost, '' even though the funds are clearly missing from our account and have not been returned. 

We respectfully request the government authorities to intervene in this matter.

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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Company : Equifax Information Services, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 

What happened? 
I disputed an inaccurate collection account that is not mine with Equifax. The account is reported by XXXX XXXX XXXX ( account ending XXXX XXXX  for {$3700.00} ). 

This account does not appear on my XXXX  report. 

I am actively disputing the same item with XXXX. 

Equifax verified the account as belonging to me even though I never opened or authorized this debt. 

I provided evidence that this is not my account. Equifax relied only on the furnishers response and did not properly investigate. 

Why its wrong : This is not my debt. Reporting it as mine violates the Fair Credit Reporting Acts requirement of maximum accuracy. Equifaxs reinvestigation was inadequate and ignored my evidence. 

Harm caused : Lowered my credit score Damaged my ability to obtain credit Emotional distress and wasted time disputing false information What I want : Immediate deletion of the fraudulent XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX from my Equifax file. Written assurance that the account will not be reinserted unless properly validated. 

Investigation into Equifaxs dispute process and XXXX XXXX XXXX furnishing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding the inaccurate and unfair reporting of a Santander XXXX  USA account on my credit reports. Santander has been the subject of enforcement actions and settlements with state Attorneys General and the CFPB for unfair, deceptive, and abusive auto lending practices between XXXX  and XXXX. These actions resulted in hundreds of millions in restitution to consumers. Because of this documented misconduct, I have reason to believe that the tradeline reported by Santander on my credit reports is unreliable, unverifiable, and inaccurate. Specifically : the balance, dates, and charge-off status are inconsistent with accurate XXXX XXXX reporting standards and Santander continues to furnish this information despite its history of illegal and deceptive practices. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief