vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$970.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$970.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00}

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 2025-08-29 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-29 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 Equifax Information Services LLC for blatant and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with fraudulent accounts that resulted from identity theft. Despite submitting a full FTC Identity Theft Report, supporting documentation, and clear evidence of fraud, Equifax has failed to comply with multiple sections of federal law. They have not conducted a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), and instead ignored the evidence I provided while allowing fraudulent accounts to remain on my file. They also failed to provide me with the required investigation results within the 30-day statutory timeframe, in direct violation of 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, they failed to block fraudulent information after receiving my FTC Identity Theft Report, in violation of 15 U.S.C. 1681c-2. These failures are not minor mistakes but willful misconduct that continues to cause me serious harm. Equifax is knowingly allowing fraudulent accounts to remain on my credit report despite clear proof that these accounts were opened without my authorization and confirmed as identity theft. Their unlawful inaction has severely damaged my credit, caused emotional distress, and placed me at ongoing risk of financial harm. Federal courts, including Cushman v. TransUnion Corp. ( 1997 ), Dennis v. BEH-1, LLC ( 2002 ), and Ramirez v. TransUnion LLC ( 2021 ), have made it clear that credit reporting agencies can not ignore their statutory obligations, yet Equifax continues to willfully disregard them. I request that the CFPB immediately order Equifax to remove and permanently block all accounts tied to my stolen identity, provide me with a full written explanation of their reinvestigation process and results, and take corrective action to ensure full compliance with the FCRA. In addition, I request that Equifax be held accountable for the damages I have suffered due to their willful negligence and misconduct, including statutory and punitive damages as permitted under 15 U.S.C. 1681n and 1681o. Equifax has been given notice and failed to act, and I ask the CFPB to compel immediate corrective action and hold them fully liable for their unlawful behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MD

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by Equifax. According to your records, several payments are marked as late ; however, these payments were in fact made on time. Despite this, the false information remains on my credit report and continues to cause damage to my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
A car loan was opened in my name without my consent or knowledge. I have repeatedly contacted the company, Santander Consumer USA since XXXX  when I became aware of the situation. I have asked for the documentation they are saying was signed by me. They have not sent these documents to me. I have provided them with a police report as well as identify theft statements. They are coming after me for missed payments and the sum of XXXX for the vehicle. This has ruined my credit and this is something I never did. This issue has ruined my credit. I need answers and a solution now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank NA Office of the President / Executive Customer Relations XXXX XXXX XXXXXXXX XXXX, RI XXXX RE : Formal Dispute of Inaccurate Credit Reporting - FCRA Violation Your Account # : [ Your Citizens Bank Account Number, e.g., XXXX ] Credit Report Account # : XXXX ( as reported by TransUnion ) To Whom It May Concern : I am writing to file a formal dispute concerning the inaccurate and incomplete reporting of the above-referenced account to the national consumer reporting agencies ( NCRAs ), specifically XXXX. 

This account is being reported as a charge-off. However, the information you are furnishing is inconsistent, factually impossible, and does not comply with the Metro 2 Credit Reporting Resource Guide standards. These errors are severely damaging my creditworthiness.

The specific inaccuracies I have identified are as follows : Inconsistent Balance Reporting : The balance reported for this account is conflicting across all three major credit bureaus XXXX XXXX XXXX XXXX XXXX  ). A single account can not legally have multiple outstanding balances. This inconsistency proves the data being furnished is unreliable and inaccurate. 

Factually Impossible Late Payments : The XXXX credit report shows late payment statuses ( e.g., 30, 60, 90 days late ) after the reported date of account closure and charge-off. It is logically and factually impossible for an account to be late once it has been closed and charged off. This error misrepresents the payment history and creates a more negative impression than is accurate. 

Inconsistent Date of First Delinquency ( XXXX  ) : The XXXX reported to XXXX  does not match the XXXX  you reported to XXXX  and XXXX. The FCRA and Metro 2 standards require that data furnishers report information consistently and accurately to all NCRAs. This direct conflict violates those standards and makes it impossible to determine the accurate start date for the negative items seven-year reporting period. 

These reporting errors constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation upon receiving notice of a dispute and to correct or delete inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
RE : Loan # XXXX - XXXX XXXX Property DEMAND FOR COMPLETE LOAN FILE AND DOCUMENTATION Dear Legal Department, I am writing as the court-appointed legal guardian for XXXX XXXX regarding the above-referenced loan for {$35000.00} and the recent foreclosure filing against her property. 
XXXX XXXX is XXXX XXXX  with severely XXXX XXXX XXXX. We have never been notified of this loan 's existence despite being her appointed legal guardians and power of attorney, until receiving late notices and letters in the mail. 

We have serious concerns about the legitimacy and circumstances under which this loan was obtained. 
POLICE REPORTS FILED : A report has been filed with the XXXX XXXX XXXX ( Report # XXXX ) alleging fraud and financial XXXX XXXX regarding this loan. 
The Original police Report # XXXX ( 2022 ) Shellpoint had been initially contacted in XX/XX/year>2022 concerning the validity and nature of this loan We are truly concerned that the failure to provide complete documentation or continued foreclosure action may result in legal action for violations of federal and state consumer protection laws, elder abuse statutes, and potentially criminal fraud.

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 2025-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
When my husband unexpectedly passed away XXXX years ago I visited the local branch office telling them he passed away and inquiring wether or not there still was a loan as I knew it was close to being paid off a few years prior. The woman at the bank would not talk to me because my name was not on his account. I visited the branch XXXX times over the course of XXXX months and the last visit ended with the woman threatening to call the police on me. I had a zoom meeting online and the banks attorney told me he would make sure someone contacted me via email. I Checked led my email for XXXX weeks and received no mail from them. At that time my XXXX account was frozen until I deleted files in order to make more room. I was unable to send or receive emails during that time. After deleting all of my files and emails and making more room I was again able to send and receive emails but still never received anything from them. XXXX months ago the house was to be auctioned off and I was able to stay the auction after declaring bankruptcy. A few weeks ago I began soliciting offers to purchase the house as is. XXXX person I spoke to told me the house was to be auctioned the next day. I never received any notice regarding it scheduled to be auctioned off and would never have even known about it had it not been for the potential buyer I was speaking to. I thought the bank was required to serve notice at least XXXX days prior to such an auction. No sheriff served me any papers and I have not signed for any certified letters in the past XXXX months and I am generally home XXXX XXXX XXXX. This has caused me so much stress I ended up in the hospital in XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This Company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous atempts to fix this issue directly with them and they are violaiting my rights and I '' m entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
Summary : Equifax is reporting a false 30-day late payment for XX/XX/XXXX on my XXXX  XXXX XXXX XXXX account ( Acct. * XXXX, Confirmation # XXXX ). Despite providing new, relevant documentationincluding a XXXX XXXX hardship plan dated XX/XX/XXXX, proof of timely payments in XX/XX/XXXX, and evidence of a XXXX XXXX system outageEquifax continues to report the delinquency. 
On XX/XX/XXXX, Equifax issued Results of Reinvestigation stating the item was verified as accurate but updated, and advised that I may request a description of the procedure used. 
On XX/XX/XXXX, I sent a formal legal demand and Method of Verification ( MOV ) request prepared by my attorney, XXXX XXXX, XXXX. I requested the name, address, and phone number of the furnisher, a description of the procedures used, and copies of all records relied upon. I also requested Equifax add my 100-word consumer statement, which they failed to do. 
On XX/XX/XXXX, Equifax sent me a letter declaring my dispute frivolous and refusing to investigate, claiming no new relevant information was provided. This directly contradicts my XX/XX/XXXX submission, which included new documentation and an MOV request.

Violations by Equifax : FCRA 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide the Method of Verification.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681g ( c ) : Failure to add my 100-word consumer statement.

Consumer Harm : This inaccurate late payment has caused me significant credit damage, including denials of credit, higher interest rates, and reputational harm. Equifaxs refusal to investigate, while simultaneously claiming it was verified as accurate, leaves me without a fair dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
A late payment entry has appeared on my report that I believe to be an error. Im requesting urgent correction based on my payment record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
I am still seeing inaccurate accounts on my credit report, and it seems they were not taken off. I kindly request that the documents I attached be carefully reviewed so that I no longer have to worry about this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Mid-Atlantic Finance Co., Inc.
State: CA

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX XXXX and MidAtlantic Finance for unfair practices, misleading communication, and ongoing debt collection harassment. 
1. Sale of a Lemon Vehicle & Down Payment Issues In XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX. I originally wanted a different car with a {$2800.00} down payment, but the dealership pressured me into buying another vehicle. Although its down payment was listed as {$2000.00}, I was forced to pay an additional {$800.00}, making my total down payment {$2800.00}. 
Within weeks of purchase, the car developed serious mechanical issues. By the time I returned it, it required over {$4000.00} in repairs, more than the vehicles value. 
I later discovered that other customers reported similar experiences with XXXX XXXX XXXX, indicating a pattern of selling defective ( lemon ) vehicles. 
2. Voluntary Repossession Attempts Ignored I attempted to arrange a voluntary repossession with MidAtlantic Finance for several months. My written requests went unanswered, and representatives gave conflicting information.

Eventually, the vehicle disappeared from where I left it. Local police confirmed that my lienholder had repossessed it, but MidAtlantic Finance denied responsibility when I called for clarification.

3. Billing Errors & Harassment by MidAtlantic Finance I made all scheduled payments through XX/XX/XXXX. I have bank statements and receipts verifying this. 
Despite this, MidAtlantic Finance began calling me weeks later, claiming my account was over 40 days past due and demanding over {$600.00}.

I submitted proof of payment multiple times, and my bank confirmed the payments were processed, but I continue to receive daily collection calls.

Even after the repossession, MidAtlantic Finance continues to report my account as delinquent and attempts to collect payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Failed to provide me with proper documentation to prove ownership of debt and the right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Equifax data breach included in the lawsuit. I submitted all my information, but somehow it keeps on recording the same and I would like it to be fixed.

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Equifax data breach included in the lawsuit. I submitted all my information, but somehow it keeps on recording the same and I would like it to be fixed.

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