vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
I submitted multiple disputes to Equifax by certified mail with full identification ( state ID, Social Security card, proof of address ). I have XXXX green card receipts showing delivery on XX/XX/XXXX and XX/XX/XXXX. Despite this, Equifax sent a stall letter on XX/XX/XXXX falsely claiming ID was missing, and then a letter dated XX/XX/XXXX marking my dispute of XXXX XXXX XXXXccount XXXX # XXXX ) as frivolous. Equifax has never mailed me any documentation or contracts verifying these accounts. 

The accounts I disputed include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have letters from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) confirming the accounts were closed and returned to the creditor, and a XXXX letter ( XX/XX/XXXX ) stating they are no longer attempting to collect on XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, and XXXX, XXXX also confirm the account is charged-off with no active collection. Despite this, Equifax continues reporting these accounts negatively and refuses to conduct a proper reinvestigation. 

Equifax is in violation of FCRA 611 ( 15 U.S.C. 1681i ) by refusing to reinvestigate, falsely labeling disputes as frivolous, and failing to provide mailed verification. They are also violating FCRA XXXX ( b ) by continuing to report inaccurate and unverifiable information. I am requesting immediate deletion of these disputed accounts and enforcement action against Equifax for knowingly ignoring certified disputes.

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 2025-09-03 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: NY

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 2025-09-03 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:
This mark is not consistent with my record of punctual payments. Please investigate and correct it.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Account : XXXXXXXX XXXX XXXX days late payment XXXX XXXX I disputed this account with Experian, but their response was : Verified and Updated. This is not acceptable under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable reinvestigation, not just state verified.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian must provide me the name, address, and phone number of the furnisher who verified the account. This was not provided.

Under 15 U.S.C. 1681e ( b ), Experian must follow procedures to ensure maximum possible accuracy, which has not been shown. 

I am requesting a full reinvestigation and disclosure of : Who provided the information that Experian used to verify the account. 

The methods and procedures used in this verification. 

Simply answering accurate or verified does not meet consumer protection requirements. I am attaching evidence to support my dispute.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-09-03 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-03 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: TX

Complaint narrative:
I've had several issues with this collections company and with their process of verifying debt. XXXX says the debt is valid and I would be provided with the information to show that. Yet the information I get is their initial invoice to said debt, and a letter that says it from the apartment complex with no manager signature. This is after I provided them with documents that clearly show fraud abuse. This time it even pre-dated the collection process! Which was reported without even giving me the chance to dispute the debt!!

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
the company harassed me with phone calls, called my employer and disclosed my private information, contacted my family and disclosed my private information, and never sent me anything in writing they are legally authorized to have my debt

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 2025-09-03 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: Security Credit Services, LLC
State: CA

Complaint narrative:
the company repeatedly called me, my employer, and my parents, threatened to damage my credit, told me i will never get housing, harassed me with phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I inquired with First Horizon Bank via online message about conditions necessary as to avoid any fees on my account. They replied same day, " This account does not have any monthly service fees or statement fees as long as your account is enrolled in e-statements. '' I have always been enrolled in e-statements, so I rested assured there would be no charges. In XXXX, XXXX, I noticed they had been charging me a {$5.00} fee every month starting with XXXX, XXXX 18 months already. I received no notice of such fees commencing, nor even a monthly statement where I could see the fees being deducted from my account, since they seem to produce no monthly statement in any month without external transactions ( apparently fees don't count as transactions to them ). On XX/XX/XXXX, I sent an online message asking for help having the fees reversed ; they offered no such guidance, but rather stated in their reply 2 days later that I would need to show up physically to a branch location to stop from being charged further monthly charges. I am no longer located near a branch location. In my next followup, I pointed out to them that having been assured there were no monthly service fees or statement fees I desired their help having the fees reversed. They declined to reply. The bank 's messages only show up by logging in online, and no email or other notification is sent, so it is very difficult to pursue correspondence with them online. I followed up again online on XX/XX/XXXX, and still as of XXXX, XXXX, I've received no reply. I called and spoke with the bank by phone, and they refused to refund what is now {$120.00} in fees, including {$25.00} deducted from my account since I first corresponded with them on the subject this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MA

Complaint narrative:
Dear CFPB / Credit Reporting Agencies : XXXX XXXX : I am disputing the accuracy of the reporting for my auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), account ending in XXXX. 

This vehicle was declared a total loss after an accident. At that time, both my auto insurance and my XXXX insurance were supposed to cover the entire remaining loan balance. I was never notified of any outstanding balance after the settlement, nor did I receive any documents indicating a remaining obligation. 

Despite this, the creditor has reported a charge-off balance of {$1500.00} as of XX/XX/year> to all three credit bureaus ( TransUnion, XXXX XXXX XXXX  ). This reporting is inaccurate and misleading for several reasons : Failure to Report Accurate Balance Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or reasonably should know is inaccurate. Since XXXX coverage should have satisfied the loan, continuing to report a charge-off balance violates this provision. 

Duty to Correct and Update Under FCRA 623 ( a ) ( 2 ), furnishers must promptly correct and update information that is determined to be incomplete or inaccurate. No such correction has been made.

Unfair or Deceptive Practices Continuing to pursue or report a balance that should have been extinguished constitutes an unfair or deceptive act or practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

Lack of Documentation The creditor has failed to provide proof of how the alleged {$1500.00} balance was calculated after insurance and XXXX  coverage. Without documentation, the reporting is unverifiable and violates the standard of accuracy required by FCRA 602 ( A ).

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 2025-09-03 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: AR

Complaint narrative:
I dispute these accounts as they are not mine and appear to be fraudulent. Kindly delete them from my record and investigate. Enclosed is proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Refinanced loan with another company. XXXX sent a payoff check and was received on XXXX XXXX have tracking number, 12 days after the loan was due. Had to call several times to get Global lending services to admit they lost the check. The check was reissued and received by GLS on XX/XX/year> and they agreed to back date the payment for payoff to XX/XX/XXXX XXXX. But they refuse to update my credit report to reflect the correct day and show it 30 days late. I even have a letter from GLS showing the loan paid off on XX/XX/year>. I have called several time trying to get this fixed, keep getting told they will take care of it, but keep getting the run around. The crazy part is they fixed my wife report, but for some reason will not fix my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: SC

Complaint narrative:
I am filing this complaint because Reliant Capital Solutions has failed to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 611 ). 

On XX/XX/year>, I sent Reliant a certified debt validation request regarding an alleged debt originally associated with XXXX XXXX XXXX. USPS confirmed delivery on XX/XX/year>. Reliant failed to provide validation. 

On XX/XX/year>, I sent a Final Notice of Non-Response letter. USPS confirmed delivery on XX/XX/year>. XXXX again failed to respond. 

Despite my written requests, Reliant has continued to report this unvalidated debt to the credit bureaus, harming my credit score and violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: PA

Complaint narrative:
Hey this is a debt that is not mine # XXXX i sent via CERTIFIED MAIL A COPY TO THESE PEOPLE COLLECTION BUREAU OF A AND TOLD THEM TO VERIFY ME THIS DEBT because is not mine. 

# XXXX they havent repsonded and its been more than 14 days # XXXX THESE PEOPLE DO NOT HVAE A LICENSE TO COLLECT IN MY STATE please deelte this form my XXXX report # XXXX I DEMAND THIS TO BE DELETED THEY DONT HAVE A LICENse TO COLLECT IN MY STATE AND THEY DONT EVEN ARE BALE TO VERIFY THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I had an account with Santander bank. They closed the account without my knowledge. I started a new job and set up my direct deposit with Santander bank. They mailed the check to my ex girlfriends house whom im no longer in contact with and she also has a protection order against me so theres no contact whatsoever. I called the Santander customer service hotline and made a report they said they'll look into it and re issue the check. After a few days I called again to check the status. They said it was still in review. I called again a few days after that they had no history of my report or the check and told me see a local branch which is what I already did. Its been months I still have not received my check its XXXXXXXX XXXX which now that im homeless i absolutely need. The check was issued by cardinal glass to Santander

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute regarding the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, listed as late closed with a balance of {$0.00}, along with several inquiries appearing on my credit report. I have reviewed my file carefully and determined that these items are inaccurate and can not be verified. 
The reporting of the XXXX XXXX XXXXXXXX account violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that information in a consumer report be accurate and complete, and FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ], which governs the responsibilities of furnishers of information to ensure accuracy. This account should be removed from my credit report immediately. 
Additionally, the following inquiries are included in this dispute as they were either unauthorized or improperly reported : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The reporting of these inquiries violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which restricts permissible purposes for obtaining consumer information, and FCRA 619 [ 15 U.S.C. 1681q ], which addresses fraudulent information. These inquiries must be fully investigated and removed from my credit report

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
IQ Data XXXX is reporting multiple inaccurate and unverifiable collection accounts on my credit reports in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681e ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). 

Accounts include ( but may not be limited to ) : {$9600.00} ( reported on XXXX XXXX XXXX ) I disputed these tradelines and demanded validation. The company has failed to provide competent evidence of ownership, a full itemization of balances, or proof of assignment. Instead, they continue to report unverifiable data to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
This is really overwhelming & stressful & overly effecting my anxiety, by these inaccurate reports & causing a lot of damage towards my well being of trying to provide. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation