vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am currently employed with XXXX XXXX XXXX XXXX and assigned to the United States XXXX in XXXX, where I have served continuously for the past XXXX years. Due to the nature of my work in a high-security environment, I undergo regular Top Secret / XXXX XXXX XXXX ) polygraph and background investigations with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


During my most recent investigation, I was alerted to multiple unauthorized hard inquiries, delinquent accounts, fraudulent collections, and unknown debts appearing on my credit reportitems that I did not apply for, authorize, or sign for at any time. These entries were placed on my file without my knowledge or consent, and they are now jeopardizing the integrity of my XXXX  clearance XXXX my position, and my ability to continue supporting XXXXXXXX XXXX XXXXXXXX. 


Because I work in a war-zone environment and have only been home four times in the last five years, I do not routinely monitor my credit report. I am XXXX for extended periods and have extremely limited access to personal financial systems. This makes me especially vulnerable to identity theft and unauthorized financial activity. 


To further protect my information, I recently issued an updated Power of Attorney to my father and XXXX, who reside in XXXX, Florida, to help manage my affairs while I remain XXXX. 


I am formally disputing and contesting ALL unauthorized inquiries, accounts, debts, collections, and late-payment notations that do not belong to me. These items were fraudulently created and are causing direct harm to my federal clearance standing, my employment, and my reputation. I request immediate remediation, investigation, and removal of every fraudulent entry across all credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

Complaint narrative:
XXXX filed for a XXXX  XXXX Bankruptcy in XX/XX/XXXX due to increased competition. However, the company announced its final closure in XXXX and XX/XX/XXXX. At the time of the bankruptcy the initial account was XXXX XXXX. The company transferred the XXXX  account balance, thereby having me repay that account and re-open a new account under a XXXX XXXX account. I attempted to retrieve statements, which I was unable to do. I have contacted customer service numerous times and requested account statements, to no avail did I receive the requested information. Upon XXXX 's closure the company requested that payments continued to be made on two separate accounts. One account that had been closed due to XXXX 's business mismanagement. Where I am being held liable and asked to repay over {$5000.00}, on one closed account and an account for a business that has officially closed. Once the business officially filed for bankruptcy and made an attempt to restructure the first account should have been closed. Which did not take place. Thereby the second account is a result of a failed attempt to financially restructure the business. I have requested that the company close the account and delete the tradeline. The company refuses to be reasonable, and is reporting to the credit bureaus that my accounts are past due enormous amounts of monthly payments. The company presents predatory lending based on their actions. I have attached one of the responses XXXX submitted to one of the credit bureaus with balances on both accounts, dates of account being open and closure, payment history and reporting of past due balance. Thank you

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 2025-11-30 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:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX, XXXX AND A Date Opened XX/XX/XXXX Balance {$670.00} XXXX XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$13000.00} * * Inquiries * * 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 XXXXXXXX, 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 2025-11-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After applying for a business loan back in early XXXX, I was denied. So I request my credit report and find the following unknown items. 

XXXX XX/XX/year>- XXXX XXXX- {$30000.00} unknown account on credit report. Requested proof of loan origination. None provided. Started credit dispute shortly after. 

XXXX XXXX  - JPMC XXXX XXXX- {$21000.00} unknown account on credit report. Requested proof of loan origination. None provided. Started credit dispute shortly after. 

XXXX XX/XX/year>- XXXX XXXX XXXX - {$100.00} unknown account on credit report Requested proof of loan origination. None provided. Started credit dispute shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
After applying for a business loan back in early XXXX, I was denied. So I request my credit report and find the following unknown items. 

XXXX XX/XX/year>- XXXX XXXX- {$30000.00} unknown account on credit report. Requested proof of loan origination. None provided. Started credit dispute shortly after. 

XXXX XXXX  - XXXX XXXX XXXX- {$21000.00} unknown account on credit report. Requested proof of loan origination. None provided. Started credit dispute shortly after. 

XXXX XX/XX/year>- LVNV Funding LLC - {$100.00} unknown account on credit report Requested proof of loan origination. None provided. Started credit dispute shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TN

Complaint narrative:
Experian previously blocked a XXXX XXXX account as identity theft under FCRA 605B after I provided an FTC Identity Theft Report and police report. Experian sent me a block confirmation. 

On XX/XX/year>, the same account was illegally reinserted on my Experian credit report without the required reinsertion notice under FCRA 611.

I am requesting immediate deletion, a written explanation, and confirmation that this account is permanently blocked. Experian violated the FCRA by reinserting a blocked identity-theft account without proper notice or certification.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are several negative listings on this report. I have reached out and disputed with Experian the inaccuracies. Such as missing dates, inaccurate or missing amount as well as the age of some of the debts In addition by Law, they were supposed to give me proof of ownership, chain of debt in which they have not given me any of that paperwork, and also some of those are listed as charge offs, which means they have already taken it on their taxes as a write off signifying that it is not collectible

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 2025-11-30 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: NY

Complaint narrative:
There are several negative listings on this report. I have reached out and disputed with Experian the inaccuracies. Such as missing dates, inaccurate or missing amount as well as the age of some of the debts In addition by Law, they were supposed to give me proof of ownership, chain of debt in which they have not given me any of that paperwork, and also some of those are listed as charge offs, which means they have already taken it on their taxes as a write off signifying that it is not collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
This account is being reported with severe inaccuracies and contradictory data including conflicting high credit amounts ( XXXX vs. XXXX ) a past-due balance that has never been validated and a Collection/Charge-Off status without any proof of liability. Under FCRA 602 605 and 607 furnishers and credit bureaus are prohibited from reporting inconsistent unverifiable or misleading information. MARINER FINANCE has failed to provide a signed contract itemized accounting proof of security on the loan or legal verification of the reported balance. Reporting different high-credit amounts inflated balances and unverified past-due amounts makes this account factually unreliable legally defective and inaccurately reported and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Re : Complaint Against PayPal , Inc. Improper Denial of Buyer Protection Case Case ID : XXXXXXXX Dear CFPB Reviewer, I am filing this complaint because PayPal wrongfully denied my Buyer Protection claim despite the fact that I fully complied with every requirement to return an item that was not as described. I purchased a custom gown from a merchant using PayP
al. The gown was delivered in the wrong color. Through the Resolution Center, the merchant agreed to a full refund of {$130.00} USD if I returned the item. 
Accordingly, I returned the item using USPS with tracking number XXXX on XX/XX/year> to the exact address provided by the merchant and shown in the attached PayPal case record. I uploaded proof of shipment to PayPal on XX/XX/year> including the USPS receipt, photos of the package with the bilingual ( XXXX and English ) return address, and the customs form. 
Despite this complete compliance and proof, PayPal closed the case on XX/XX/year> incorrectly stating that no valid proof of return was provided. This is false and contradicted by PayPals own case timeline notes, which confirm I submitted the tracking number and supporting documents on time. 
I contacted PayPal phone support multiple times and was eventually told a supervisor would reopen the case. However, no reopening occurred and no written response was provided. PayPal has given inconsistent information and has not corrected their error. 
I am requesting that CFPB require PayPal to honor its Buyer Protection policy and refund the full amount I am owed : {$130.00} USD Merchant refund for returned item {$52.00} USD USPS shipping cost paid Total : {$180.00} USD All supporting evidence is included in the attached package : PayPal Resolution Center case record pages Tracking information and USPS receipt ( XXXX ) Photos showing item return and USPS acceptance Merchant refund agreement Thank you for your help in correcting this situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: AR

Complaint narrative:
I do not recalled any dates of any prior attempts at purchasing anything except I opened my account to notice that things werent the same as the day before I posted an inquiry of what was goin On and I was told I violated their terms of service. Many of times since Ive asked what it was I did and asked about an appeal against it I was repeatedly told I would hear back from them in 10 to 30 business days each time and that I needed to submit what was the card used for, to whom I did any transactions with Ive submitted everything that they have asked me to. Ie still havent heard anything i allegedly have done. I would just had liked to have known and possibly try to get my account reopened. I used that account from sending and receiving money from and to friends and family, we would exchange crypto currency as gifts, I would shop online, bill pay, groceries, all things I used to do with cash was taken over by my cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
t was under debt consolidation so they said they where not allowed to discuss with me, the consolidation firms have been deducting funds twice a moth from SSA and all of my government pension for payments. XXXX XXXX is the company they took on one debt that they said I couldn't keep despite their own lawyers telling them they would not negotiate. Represented me in court to get me judgments with no arrangements. Chase refused to discuss because they said they were under them I have copies of payments and some recorded messages. Now I am in 10 times more debt due to no payment when they where getting paid therefore this should be a third party suit,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
FORMAL FEDERAL VIOLATION NOTICE DEMAND FOR INVESTIGATION & REMOVAL OF LATE PAYMENTS YOUR NAME YOUR ADDRESS CITY, STATE ZIP PHONE | EMAIL DATE TO XXXX XXXX XXXX XXXX XXXX 
Attn : Dispute Department RE : DISPUTE & DEMAND FOR REMOVAL OF 8 LATE PAYMENTS FEDERAL LAW INVOKED Account : XXXX | Balance : {$1200.00} | Opened XX/XX/XXXX This correspondence serves as a formal dispute and demand for immediate reinvestigation, correction, and removal of the inaccurate late payment history being reported on the above referenced XXXX XXXX XXXX XXXX account. 

You are currently reporting eight ( 8 ) late payment entries, which I assert are incomplete, inaccurate, unverified, and violate federal law governing consumer reporting accuracy and reinvestigation rights. 

LATE HISTORY YOU ARE REPORTING : Month XXXX XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late XX/XX/XXXX XXXX Late This pattern of reporting does not reflect proper payment posting accuracy, lacks complete timestamp validation, and may directly violate the timely crediting requirements established by federal law.

FEDERAL STATUTES YOU ARE REQUIRED TO COMPLY WITH : 15 USC 1666b Payment Crediting & Posting Timeliness Requirements 15 USC 1681A Definition & Scope of Consumer Reporting Accuracy 15 USC 6802 Restriction on Distribution of Non-Public Financial Data 15 USC 1681i Right to Demand Reinvestigation of Disputed Information 15 USC 1681s-2 ( a ) Furnisher Duty to Report Accurate Information ONLY 15 USC 1681i ( a ) ( 6 ) 30-Day Requirement to Provide Written Reinvestigation Results YOU ARE NOW FORMALLY DIRECTED TO DO ONE OF THE FOLLOWING WITHIN 30 DAYS : Perform a complete reinvestigation in accordance with 15 USC 1681i.

Provide original account records verifying every late mark, including payment posting timestamps, acceptance logs, and internal processing records.

DELETE the 8 late payments immediately if you can not provide lawful, original proof.

Issue written results within 30 days per 15 USC 1681i ( a ) ( 6 ).

Cease reporting inaccurate information as required by 15 USC 1681s-2 ( a ).

If improper posting led to delinquency reporting, you are in direct violation of 15 USC 1666b.

Any non-consensual sharing of my personal financial data constitutes a violation of 15 USC 6802 and is actionable.

FAILURE TO COMPLY WILL RESULT IN IMMEDIATE ACTION If the information is not corrected or deleted within the required timeframe, I will escalate by filing formal federal complaints with : CFPB Federal Trade Commission State Attorney General and pursue civil remedy for statutory damages.

You have 30 days from receipt of this notice.

If it can not be fully verified YOU MUST DELETE.

I expect compliance not excuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: PA

Complaint narrative:
The 2 accounts below are reporting illegally on my Equifax credit report because the Date of First Delinquency reporting by the creditors below have been illegally RE-AGED. The dates reporting closed and the date of last activity are inaccurate and make absolutely no sense because I never made any payments in XXXX or any month in XXXX that would mean that the Date of First Delinquency would allow the 2 accounts to remain on my credit report.

The main violation committed by both creditors is in violation of FCRA 623 ( a ) ( 5 ) for REAGING the accounts. The accounts have surpassed the 7 year reporting period and I demand each account be DELETED immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete both accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santander Consumer USA is illegally reporting a repossession and a charged-off deficiency balance on my credit reports, even though they did not comply with Illinois XXXX XXXX laws or the Fair Credit Reporting Act. 

I did not receive the XXXX legally required notices under Illinois law ( XXXX ILCS XXXX, XXXX, and XXXX ). I did NOT receive a Notice of Intent to Repossess ( Right-to-Cure letter ) and I did NOT receive a Post-Sale Notice of Deficiency after the vehicle was repossessed and sold. Without these notices, the deficiency balance is legally zero and unenforceable. A lender may not report or collect a deficiency when the statutory notices were not provided.

Despite this, Santander is furnishing inaccurate information to the credit bureaus by reporting a repossession and an unpaid charged-off balance. This violates FCRA requirements for accuracy and reliability. It is inaccurate to report a deficiency balance when the deficiency is legally invalid.

Additionally, the address Santander used for the account does not match the identifying information in my XXXX  credit file. Because the address does not appear anywhere in my current or prior address history, the account can not be properly matched to my identity and is therefore unverifiable under FCRA requirements. 

I have disputed this account, and Santander has not provided verification. They have not provided the required repossession notices, proof of mailing, auction information, accounting, or documentation proving the validity of the deficiency. Instead, they continue to report the account negatively. 

Requested resolution : Delete the Santander repossession/charge-off tradeline from all credit reporting agencies. 

Provide copies of all required repossession notices and proof of mailing. 

Provide full accounting of the loan, including auction details. 

Cease reporting or collecting any deficiency balance. 

Confirm that the account will no longer be furnished since the deficiency is legally unenforceable. 

Santander is violating Illinois repossession laws, the Fair Credit Reporting Act, and the CFPBs requirements for accurate credit reporting. I am requesting immediate action and a full response. 

XXXX XXXX XX/XX/1972 XXXX

Company response to consumer: Closed with non-monetary relief