vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding Experian 's unlawful reinsertion of late payments on my XXXX XXXX XXXX  account, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

This account was paid in full and closed in XX/XX/XXXX. It was previously disputed, and as of XX/XX/XXXX, Experian correctly removed all late payment history. 

However, Experian has since reinserted 10 late payments ( 30-, 60-, and 90-day lates from XXXX to XXXX ) without any written notice to me, in clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires that : - The consumer be notified within 5 business days of any reinsertion - The source of the verification ( furnisher ) be disclosed I received no such notice, no documentation, and no reinvestigation summary. There is also no dispute notation on the account, violating FCRA 611 and Metro 2 standards.

As evidence, I am attaching two full Experian reports : - XX/XX/XXXX Report : No late payments shown on the account - XX/XX/XXXX Report : Ten late payments have been reinserted This change is undocumented, unverified, and occurred after a formal dispute. Experian is now reporting inaccurate and unverified derogatory data that was previously removed, putting me at financial and legal disadvantage without proper recourse. 

This is not a formatting issue, it is a serious compliance failure and opens Experian to further regulatory or legal consequences.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-05 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I AM IN DIRE NEED OF YOUR HELP WITH THIS COMPANY TO REMOVE THIS CAR THAT I DID NT PURCHASE FROM THEM. XXXX XXXX IS SANTANDER XXXX THEY ARE STATING AN ALLEGED DEBT ON MY CREDIT REPORT. 
I HAVE ATTEMPTED TO REMOVE THIS WITH THEM BY SEWNDING HTEM A LATTER DATED XX/XX/year>. 

AND I DID NOT RECEIVE ANY REDPONSE .NOT EVEN A LETTER OF RECEIPT OF MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An unauthorized account has been added to my credit report without my knowledge or consent. I did not open this account, and I am confident that it does not belong 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 explanation
Consumer complaint received 2025-08-05 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: AR

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX.... 
Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account Name Account Number Balance Monthly Payment XXXX XXXXXXXX XXXX * * * * {$460.00} {$25.00} Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current Account Never lived in XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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, are the 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I made a purchase through PayPal for an item that I never received. The seller provided a XXXX tracking number, which shows the package as " delivered. '' However, I never received it. The delivery confirmation from XXXX contains a signature that is not mine and does not match the signature on my government-issued ID. I submitted a dispute ( XXXX XXXX through PayPal explaining the issue in writing and provided the following evidence : 1 XXXX XXXX tracking details and delivery confirmation, 2 ) A copy of the signature XXXX recorded ( which is clearly not mine ), 3 ) A sample of my real signature from my government-issued ID, 4 ) A report filed with the Federal Trade Commission ( FTC ). Despite this, PayPal decided the case in the sellers favor, relying solely on the tracking showing " delivered, '' and ignored the evidence that strongly suggests misdelivery or fraud. Since then, I also contacted XXXX, who confirmed that the delivery signature does not match mine and the delivery coordinates are not at my address. I am requesting that PayPal properly review my case with the full evidence and refund me for the item that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXX XXXX and there third party debt collector id not respond to the dispute through the CFPB there for I have a legal right to have this account removed acct XXXX I an not asking you to investigate because the evidence is there enclosed, do so and remove trad line at once or I will file legal response to you for damages and fraudulent reporting of this account respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
According to 15 USC 1692 c XXXX XXXX XXXX violated my rights by in lawful communications. Please remove this charge-off, off my credit report thank you. 
XXXX XXXX XXXX never sent me a notice of sale before disposing of it. 
Never allowed me an option to redeem the vehicle before sale by paying the full balance. 
Failed to go by the UCC 9614 guidelines of the deficiency and is charging me the full amount plus fees and interest. 
FCRA 1681i Failure to Report Accurate and Verifiable Information : The reported charge-off is inaccurate and incomplete without the above evidence. I am requesting that you investigate and verify the account with the creditor. If the creditor can not provide full legal substantiation of the claim, including Uniform Commercial Code 9614-compliant procedures, the information must be corrected or deleted from my credit report. I never received a Post Repost Notice from the lender XXXX XXXX XXXX after the car was reposed. I was never notified when and where the car was sold. I was never notified how much the car was sold for or sale price. XXXX XXXX XXXX never informed me how much the car was sold for and how much of the remainder balance was applied to the deficiency balance. XXXX XXXX XXXX failed to follow the UCC code 9614 and am asking this account be removed and deleted from my credit file. I checked with the DMV in my state of Texas and it still show the vehicle registered in my name.

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 2025-08-05 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: TX

Complaint narrative:
According to 15 USC 1692 c XXXX XXXX XXXX violated my rights by in lawful communications. Please remove this charge-off, off my credit report thank you. 
XXXX XXXX XXXX never sent me a notice of sale before disposing of it. 
Never allowed me an option to redeem the vehicle before sale by paying the full balance. 
Failed to go by the UCC 9614 guidelines of the deficiency and is charging me the full amount plus fees and interest.

FCRA 1681i Failure to Report Accurate and Verifiable Information : The reported charge-off is inaccurate and incomplete without the above evidence. I am requesting that you investigate and verify the account with the creditor. If the creditor can not provide full legal substantiation of the claim, including Uniform Commercial Code 9614-compliant procedures, the information must be corrected or deleted from my credit report. I never received a Post Repost Notice from the lender XXXX XXXX XXXX after the car was reposed. I was never notified when and where the car was sold. I was never notified how much the car was sold for or sale price. XXXX XXXX XXXX never informed me how much the car was sold for and how much of the remainder balance was applied to the deficiency balance. XXXX XXXX XXXX failed to follow the UCC code 9614 and am asking this account be removed and deleted from my credit file. I checked with the DMV in my state of Texas and it still show the vehicle registered in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am filing a complaint against Spring Oaks Capital LLC for falsely re-aging a collection account and failing to update or report accurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

I became delinquent with the original creditor in XX/XX/XXXX, which means under FCRA 605 ( c ), the debt should only remain on my credit report for 7 years from the Date of First Delinquency ( DOFD ) no later than August 2026. 

However, Spring Oaks Capital LLC is reporting this account with : A false open date of XX/XX/XXXX A will remain on file until date of XX/XX/XXXX No updates or payment history after that date This is a direct violation of : FCRA 605 ( c ) : Prohibits re-aging accounts to extend reporting beyond 7 years from the DOFD FCRA 623 ( a ) ( 5 ) : Requires furnishers to report the correct DOFD FCRA 623 ( a ) ( 1 ) : Requires accurate and complete reporting The original creditor is correctly reporting the account with a {$0.00} balance and a removal date of XX/XX/XXXX, acknowledging that the DOFD was in XX/XX/XXXX. Spring Oaks, however, is attempting to make this appear as a new debt and extend the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-05 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
My credit report have several negative of accounts that needs attention immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Credit had accounting issues delayed payoff amount information from insurance claim on total vehicle. Payment were paid on time from start of loan till reported to collections company. Multiple times payoff amount was requested, awaiting Toyota accounting to verify amount. NEVER A LATE PAYMENT!!!! 

DO NOT USE TOYOTA CREDIT DISHONEST WILL RUIN XXXX CREDIT SCORE EVEN WHEN YOU DO EVERYTHING BY THE BOOK.

Company response to consumer: Closed with explanation