vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This email is for the purpose of verifying my account WITH XXXXXXXX XXXX  which was settled today, XX/XX/year>. I have called customer service because I am seeing in my credit bureau that you are reporting me as negative, with more than 60 days late, which is not true. When I performed the downgrade with the corresponding department, they informed me that they were going to close that account and remove it from the system. Now it appears as negative, affecting my credit report.

I have been making greater efforts to pay you on time and avoid a collection with you, and I have been making my payments on time. I believe it is not fair how you have affected my credit, a client who only wants to be in good standing with his commitments, even against my will, since that membership was sold to me as a property, which it is not. If you search my records, I have never used that membership, I am still paying for it, and it is a gift to XXXX. I am giving away my money in exchange for damaging my credit. 

I ask that you please escalate this email to whoever is competent to resolve this situation, as I have filed several disputes without any positive outcome in my favor. 

Without further ado, I bid you farewell and hope this will be taken into consideration if you truly value your members or partners. 

Regards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH 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 2025-06-11 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding an unauthorized auto loan account reported by Santander Bank on my credit report. I demand the immediate removal of this account as it is inaccurate, unverifiable, and falsely attributed to me. 
The account in question is : Creditor : Santander Bank Account Number ( last XXXX digits ) : XXXX Nature of Dispute : I never signed a contract, agreement, promissory note, or any loan document with Santander Bank for the purchase or financing of any automobile. The presence of this account on my credit report is fraudulent and without lawful basis.

Legal Basis for Dispute : Per FCRA 611 ( a ), you are obligated to conduct a reasonable investigation upon receipt of a dispute and delete or correct any information that is found to be inaccurate, incomplete, or can not be verified. If Santander Bank can not provide documentary proof of a signed contract or consent from me, this account must be immediately deleted from all three credit reporting agencies. 
Additionally, FCRA 607 ( b ) requires you to follow reasonable procedures to assure maximum possible accuracy in credit reporting. Failing to remove a fraudulent or unverified account constitutes willful noncompliance under FCRA 616 and 617, which entitles me to seek monetary damages and attorney 's fees. 
Action Demanded : I am requesting the following actions be taken within the statutory 30-day window : 1. Launch a formal investigation into the disputed Santander Bank account. 
2. Require Santander Bank to provide verifiable proof ( i.e., signed loan contract ).

3. If proof can not be provided, delete the account immediately from my credit file.

4. Provide a written explanation of the investigation results and steps taken.

5. Notify all parties who have accessed my credit file in the past 6 months ( or 2 years for employment-related uses ) of any corrections, pursuant to FCRA 611 ( d ).

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ). I will also consider legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PR

Complaint narrative:
I am submitting this complaint to request a formal CFPB investigation and oversight of multiple inaccurate and inconsistent entries on my credit reports, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection laws.

The accounts listed below are reported by multiple consumer reporting agencies TransUnion, XXXX XXXX XXXX and are resulting in unfair damage to my credit profile and access to financial services. I am asking the CFPB to facilitate a formal reinvestigation by the data furnishers and the bureaus, and to enforce my rights as a consumer. 

XXXX. XXXX XXXX XXXX - These are closed student loan accounts reported as Charge-off with incoherent payment terms : " $ XXXX for 360 months. '' - No payment history is reported between XXXX, marked as XXXX which violates FCRA 611 for completeness and verifiability. 
- Account balance increased beyond high balance with no transactional clarity or explanation. 
- Inconsistent reporting of payment due amounts and past due status without proof of timely notices. 

These entries are inaccurate, unverifiable, and misleading, causing undue harm to my credit reputation and lending ability. 


XXXX. XXXX XXXX XXXX ( Multiple accounts ) - Some accounts show perfect payment histories followed by abrupt XXXX day late entries, which then return to " OK '' status. 
- Accounts reflect {$0.00} scheduled payment and {$0.00} payments received, yet claim I'm XXXX days past due logically and legally contradictory. 
- It is unclear whether these loans were covered under COVID-19 administrative forbearance, in which case negative reporting was prohibited ( CARES Act XXXX, extended through XXXX ). 

I dispute the accuracy and legality of these reported delinquencies. 


XXXX. XXXX XXXX XXXX XXXX - Account is listed as " Charge-off '', yet there is no consistent pattern of late payments reported in the months prior violating completeness standards under FCRA 605 ( a ). 
- The balance dropped from {$18000.00} to {$1600.00}, but no clear payment activity is documented. 
-Please note I consistently paid over {$29000.00} for this vehicle due to XXXX XXXX XXXX car financing practices before being unable to pay the {$1600.00} they used as an excuse to negatively " Charge-off '' my account and affect my credit.

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 2025-06-11 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Equifax , inc a consumer reporting agency and financial institution is guilty and in violation of Aggravated identity theft for knowingly transferring, possessing, and/or using, without lawful authority my non public personal means of identification, which is a violation of my Privacy and a violation of the Gramm-Leach-Bliley Act. Equifax , Inc, also while obtaining my non public personal customer information by false pretenses and without my consent, this consumer reporting agency and financial institution went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other persons, and/or agencies without my written request or written consent. 


SEE ALL ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it 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 2025-06-11 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: MD

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2025-06-11 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: WV

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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: AL

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 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 2025-06-11 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: AL

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 2025-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a deposit of XXXX. An hour after I sent a domestic wire transfer to my Coinbase account for {$5900.00}. It takes 15-20 minutes to have it deposited into Coinbase. It was XXXX XXXX  when I sent the funds. That day it took unexpectedly longer than usual for Coinbase to receive it. So I called my Citibank several times to check and verify in order for them to release the funds. In between those times I sent three XXXX payments as well. The next time called Citibank it was XXXX. and after them gluing me the run around all day I asked to please be transferred to there superior who can better service me with this specific issue. Instead of being placed on hold, the representative ends the call. I thought that was very unprofessional. So then I call again and was able to get to the person I needed to speak to right away and was told that my account has been placed on block and they need to review it further before they release the funds into my Coinbase account and it will be done with in that same day or the next and to be close to my phone because they will be giving me a direct phone if they need more info from me in order to verify. The next day comes and I check my email and I get an email that sent at XXXX XXXX staying they canceled my transfer of {$5900.00} because they were unable to reach in order verify more information. Immediately after I check my phone log and there is no record of them contacting me. In that email they also state that {$5900.00} will be returned back into my Citibank account. Following that email I call Citibank and I am told my account is closed. I asked why and they refused to tell me and can only tell me that they will be sending a letter in the mail explaining there decision and my money in a check. Beside the XXXX going back into my account I know I have {$210.00}.

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 2025-06-11 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:
This inquiry was placed by an entity I have never interacted with. There was no communication, application, or account opening, and therefore no permissible purpose under 15 U.S.C. 1681b ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX MTR - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX MTR - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$50000.00} XXXX MTR - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX MTR - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). Experian is inaccurately reporting a collection account from XXXX XXXX XXXX on my credit report. I have disputed this account directly with Experian and/or the furnisher, but the information remains unresolved and inaccurate. 

The account listed ( Account # : XXXX ) contains erroneous information that I believe is not verified, not validated, and should not be appearing on my credit profile. Experian has failed to conduct a proper investigation or provide any documentation verifying the accuracy of this account. 

I request the immediate deletion or correction of this account in compliance with the FCRA, as continued reporting of inaccurate information constitutes a willful violation of my rights. I also request that CFPB investigate Experians failure to maintain reasonable procedures to assure maximum possible accuracy. 

Please assist me in resolving this issue and holding Experian accountable.

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