vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: VA

Complaint narrative:
XXXX XXXX XXXX, VA XXXX ( XXXXXXXX XXXX XXXX XXXX Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Request for Immediate Removal under Section 605B Failure of Experian to Comply with Federal Law Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian for its failure to remove fraudulent accounts from my credit report, in violation of the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ). I have submitted proper documentation indicating that I am a victim of identity theft, including a police report and personal identification, yet Experian has failed to remove the following fraudulent accounts within the required four business days : Disputed Fraudulent Accounts : XXXX XXXX XXXX reported on XX/XX/XXXX Revolving account XXXXXXXX XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX Open account XXXX XXXX XXXX XXXX reported on XX/XX/XXXX Revolving account Dept. of Education / XXXX XXXX, {$3000.00} XX/XX/XXXX These accounts were not opened by me and have been erroneously reported, resulting in denials of credit and damage to my creditworthiness. Experian is in clear violation of 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items, as well as 15 U.S.C. 1681c-2 ( Section 605B ), which requires removal of identity theft-related accounts within four business days of receiving valid dispute documentation.

In addition, Experian has a history of legal action taken against it for knowingly reporting false information and refusing to correct consumer reports, which suggests a pattern of noncompliance with federal law. 

Applicable Laws Violated : 15 U.S.C. 1681 Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Failure to reinvestigate consumer disputes 15 U.S.C. 1692 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1601 Truth in Lending Act ( TILA ) 15 U.S.C. 1070 Protection of consumer financial information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My personal information was used to fraudulent obtain services and good from American Express XXXX Credit Card this is a case of indenity theft. I have requested information on how my identity was used and never received a response all I was told was the information was accurate and updated. Account # XXXX. Date open XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Request for Removal of Inaccurately Reported Vehicle Loan Account Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, FL XXXX Phone ; ( XXXX ) XXXX Email : XXXX Complaint Summary : I am filing a complaint against Santander Consumer USA for inaccurately reporting a vehicle loan on my credit report. The account is listed as a charge-off, but this is incomplete and misleading, as I voluntarily surrendered the vehicle a form of repossession. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate and complete. By reporting the account as a charge-off only, without indicating that the vehicle was returned, Sanrtander Consumer USA is violating these legal requirements and damaging my creditworthiness with misleading data.

Despite attempts to resolve this matter, the lender has not updated or corrected the information. 

Account Information : Creditor : Santander Consumer USA Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Vehicle : XXXX XXXX XXXX  Date of Voluntary Surrender : [ Month, Year if known ] Issue : The vehicle broke down and the company didn't want to fix it under the extended warranty I purchased. 

I voluntarily returned the vehicle to the lender in good faith, and it was physically recovered. Instead of reporting this as a voluntary repossession, Santander Consumer USA is reporting it solely as a charge-off, omitting key facts and context. 

This misrepresentation is incomplete, damaging, and violates the FCRAs requirement for accuracy and completeness in credit reporting. I am not asking them to correct it I am asking for the entire account to be removed due to repeated failure to report it accurately and completely. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Santander Consumer USA to : Delete this account from all credit bureaus ( XXXX XXXX XXXX  ) due to its inaccurate and incomplete reporting. 
Provide written confirmation of deletion and compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete the account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: VA

Complaint narrative:
I am an XXXX XXXX servicemember resident of XXXX  stationed in XXXX. The XXXX  XXXX XXXX applies to me since I am a resident of the state. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and saw accounts that did not belong to me, this is hurting my score and preventing me from acquiring credit and moving on in life. 

XXXXXXXX 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 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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX  BALANCE : {$460.00}, XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$1400.00}, XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX  BALANCE : {$370.00}, XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-05-31 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: IN

Complaint narrative:
on XX/XX/year> i sent off multiple letters to creditors, certified mail with return label. These creditors failed to respond in 30 days with any update to issues on credit. I then sent a notice to the 3 major credit bureaus with all of these details including return receipt and the credit bureaus just blanketly verified the information as correct. They failed to provide me any details on how they verified this information. My report is still inaccurate, and the credit bureaus have been not responding to any demands. Next steps is to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IN

Complaint narrative:
on XX/XX/year> i sent off multiple letters to creditors, certified mail with return label. These creditors failed to respond in 30 days with any update to issues on credit. I then sent a notice to the 3 major credit bureaus with all of these details including return receipt and the credit bureaus just blanketly verified the information as correct. They failed to provide me any details on how they verified this information. My report is still inaccurate, and the credit bureaus have been not responding to any demands. Next steps is to litigate.

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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint to report numerous violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by various furnishers and consumer reporting agencies ( CRAs ) concerning inaccurate, duplicative, and outdated information on my credit reports. Despite prior disputes and requests for correction, these issues persist, causing significant harm to my financial well-being. Duplicate Reporting and Misrepresentation : Several debts are being reported multiple times by different entities, leading to an inflated perception of my liabilities : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Both entries pertain to the same debt, yet are reported separately as charge-offs and collections, respectively. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts reflect the same obligation but are listed under different furnishers, causing confusion and misrepresentation. XXXX XXXX XXXX  entries : Multiple accounts with similar identifiers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) are reported as separate collections, despite relating to the same original debt. This practice violates FCRA 1681e ( b ), which mandates that CRAs maintain maximum possible accuracy of consumer information. Inaccurate Account Statuses and Balances : Several accounts display incorrect statuses and balances : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts show a high balance of {$0.00} yet are reported as charge-offs or with late payments, which is factually incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts report high balances ( {$48000.00} and over {$60000.00} combined ) that are inconsistent with my records. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information with actual knowledge of errors. Failure to Conduct Reasonable Investigations : Despite submitting disputes, the furnishers and CRAs have failed to conduct reasonable investigations as required by FCRA 1681i ( a ) ( 1 ) ( A ). I have not received adequate responses or corrections, and in some cases, the disputed information remains unchanged. Potential IRS Reporting Violations : For debts that have been charged off and potentially canceled, such as those listed above, creditors are required to issue IRS Form 1099-C for cancellations of {$600.00} or more, as per IRS guidelines . The continued reporting of these debts without acknowledgment of cancellation may indicate non-compliance with IRS reporting requirements.

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 2025-05-31 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
To whom it may concern, I am writing to formally dispute the inaccurate and potentially unlawful collection account reported on my credit fie, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C 6802, which prohibit unfair, deceptive, or abusive acts and practices related to consumer financial information.

It has come to my attention that this collection account is being reported in a manner that constitutes a clear violation of my rights under federal law. As per 15 U.S.C 6802, credit reporting agencies and collectors are obligated to ensure fair, transparent, and non-deceptive practices when handling consumer information. The ongoing reporting, collection attempts, or related actions concerning this account appear to be excessively aggressive, misleading, or unjustified. 

I demand that you immediately investigate and cease any further collection activities regarding this account, as there is no valid or lawful basis for its continued reporting or collection. Under the FCRA and 15 U.S.C 6802, I am entitled to the following : -An immediate validation of the debt, including detailed documentation proving my obligation. 
-Cease and desist any collection attempts until validation is provided. 
-Correction or removal of inaccurate, incomplete, or unlawfully reported information. 

Failure to comply with this request and continue to engage un unfair or deceptive practices may result in legal action, including but not limited to reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages for violations of federal law.

This letter serves as a formal notice and a demand for compliance. I expect your written response within 30 days, confirming that you have initiated an investigation and providing documentation that substantiates this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief