vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
Please be advised that this is my XXXX XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 
You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

ACCOUNTS THAT ARE FRAUD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX I NEVER FILED XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX I NEVER FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX//2017, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2017, Balance : {$3400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I disputed an inaccurate tradeline with the credit bureaus concerning Santander Consumer USA. The account shows a charge-off and past due balance that are inconsistent and potentially inaccurate. I have not received full documentation supporting these claims from Santander, and the credit bureaus have not corrected the information. 
I am requesting a thorough investigation and for the credit bureaus and Santander to comply with the Fair Credit Reporting Act. If the creditor can not validate this debt properly, the inaccurate or unverifiable portions must be corrected or deleted. 

This derogatory entry is negatively impacting my creditworthiness, and I am seeking timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
XXXX have disputed the XXXX account (partial XXXX) multiple times with Experian over the past month and a half, and I have never received a single piece of physical mail verifying that this account is mineXXXX XXXX XXXX XXXX, I sent a certified dispute letter to Experian that included a full explanation, copy of my government-issued ID, Social Security card, and evidence that this account is being reported inaccurately. The certified mail tracking number isXXXX XXXX XXXX XXXX XXXX XXXX (delivered XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXXXXXX account has been causing major damage to my credit and is tied to incorrect identifiers (either a wrong SSN or mixed file). I demanded verification by mail under 15 U.S.C.  1681i of the FCRA  XXXX signed XXXX XXXX documentation verifying XXXX XXXX XXXX XXXX  Experian closed the dispute with no changes made, and still has not mailed me any evidence whatsoever. All they sent was a vague online notice saying it was verified, without explaining how or providing documentationXXXX never applied for or agreed to this XXXX account, and if Experian cannot produce the legally required verification, they are obligated by law to delete XXXX is an ongoing FCRA violation, and Im asking the CFPB to take enforcement action against Experian and ensure this account is fully deleted from my credit report immediately.'

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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
They have taken any extra money I have sent for principal and made payments out of them. They have sent a so called itemized statement that is so small you need a magnifying glass to read it. I received XXXX and XXXX 's statements that say I do not owe anything until XX/XX/year>2025 and my balance on both show I owe {$2200.00}. They received a check of {$2200.00} on XX/XX/scrub> 2025. They say I still owe over {$100.00} towards interest even though I am paid to XXXX. 
My first few payments over my monthly payment were made through my bank and Reprise claimed they never received them.They claimed Post Office at fault and yet they have a XXXX I then started sending money orders with tracking. They then claimed they could not separate the money to put towards principal.

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 2025-08-08 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX -- - RE : Demand for Removal of Personal Data and Deletion of Negative Information To Whom It May Concern, I am formally demanding, under the authority of federal law, that your agency immediately remove all personal information and any negative or inaccurate items you are reporting about me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to : 15 U.S.C. 1681e ( b ) Maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

15 U.S.C. 1681i ( a ) Conduct a prompt reinvestigation of any disputed information and delete or correct items found to be inaccurate or unverifiable.

15 U.S.C. 1681c ( a ) Refrain from reporting obsolete information beyond the permissible time limits set by law.

I dispute the accuracy, completeness, and legitimacy of any and all negative entries on my credit file, and I demand that these be removed immediately. Further, I hereby revoke any and all authorization for you to collect, store,
maintain, or disseminate my personal information under the provisions of 15 U.S.C. 1681b, as you no longer have my consent to furnish my data to third parties without permissible purpose.

You have 30 days from receipt of this notice to : 1. Delete all negative and inaccurate entries in my file.

2. Cease reporting my personal data to any entity without a verifiable permissible purpose as defined under the FCRA.

3. Provide me with a free updated copy of my credit file reflecting these deletions, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of all available legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

This is a formal notice under the FCRA, and you are hereby instructed to conduct the required investigation and act accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXXXXXX 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 2025-08-08 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
A collection account from NATLCRYS recently appeared on my credit report without any prior notice, validation, or legitimate connection to me. I have never received a letter, call, or notification from NATLCRYS regarding any alleged debt. I believe this item is either a case of mistaken identity or fraudulent reporting.

I have no known relationship or contractual agreement with this company, and I have not acknowledged or authorized this debt. Furthermore, I have already disputed this with the credit bureaus and the company directly, but the item remains on my credit report with no proper verification or investigation results provided to me.

This account is damaging my credit and was reported without my consent, validation, or transparency. I am requesting an immediate investigation and deletion of this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-08 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate and/or unverifiable information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law grants me the right to dispute any information I believe to be incorrect, incomplete, or not verifiable.

Upon reviewing my credit report, I have identified the following negative item ( s ) that I believe to be inaccurate, incomplete, or otherwise in violation of the FCRA Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable investigation into these items and remove or correct any information that can not be verified as accurate within 30 days of your receipt of this letter.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after investigation any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit file.

I am also requesting that, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), you provide me with written notice of the results of your investigation, including : A summary of your findings, A copy of the revised credit report if changes were made, The name, address, and phone number of the furnisher of the disputed information, A statement of my rights to add a consumer statement or pursue further action if the dispute is not resolved in my favor.

Thank you for your attention to this matter. I expect the required action to be taken within the timeframe set by law. Please respond in writing upon completion of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
ON XXXX XXXX MY SANTANDER CHECKING ACCOUNT HAD FRAUDULENT ACTIVITIES, CLOSE TO {$3000.00} WERE TRANSFERED OUT OF ACCOUNT BY ACH. I DO NOT HAVE NOT UTILIZE ACH WITH MY PERSONAL BANK ACCOUNT. AS OF TODAY THE MONEY HAS BEEN PUT BACK INTO MY SANTANDER ACCOUNT BUT I AM UNABLE TO CLOSE MY ACCOUNT AS I LIVE " OUT OF FOOT PRINT '' I AM NOT ABLE TO ACCESS MY ACCOUNT. I HAVE OVERNIGHTED A NOTERIZED LETTER REQUESTING A NEW ACCOUNT TO BE SET UP AS I WAS TOLD TO DO THAT PER DISPUTE DEPT CUSTOMER REP AT SANTANDER. THE LETTER WAS RECEIVED BUT THEY HAVE NOT POSTED TO MY ACCOUNT. I WASTOLD TO REQUEST " FORCED THROUGH '' PAYMENTS BEING IT IS THE END OF MONTH AND I HAVE AUTO PAYMENTS FOR LOANS, CAR PAYMENT ETC. THE PAYMENTS HAVE BEEN DENIED. I CAN NOT GET ANY ANSWERS OR RESOLUTION TO GET MY FUNDS FROM ACCOUNT. IT IS XX/XX/XXXX AND THEY TOLD ME TO WAIT UNTIL BACK OFFICE REVIEWS MY ACCOUNT. I HAVE RECORDED ALL MY TELEPHONE CONVERSATIONS WITH DIFFERENT ADVICE PER THE BANK.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate and/or unverifiable information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law grants me the right to dispute any information I believe to be incorrect, incomplete, or not verifiable.

Upon reviewing my credit report, I have identified the following negative item ( s ) that I believe to be inaccurate, incomplete, or otherwise in violation of the FCRA Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable investigation into these items and remove or correct any information that can not be verified as accurate within 30 days of your receipt of this letter.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after investigation any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit file.

I am also requesting that, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), you provide me with written notice of the results of your investigation, including : A summary of your findings, A copy of the revised credit report if changes were made, The name, address, and phone number of the furnisher of the disputed information, A statement of my rights to add a consumer statement or pursue further action if the dispute is not resolved in my favor.

Thank you for your attention to this matter. I expect the required action to be taken within the timeframe set by law. Please respond in writing upon completion of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

Company response to consumer: Closed with non-monetary relief