vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
This is a formal follow-up dispute regarding unverified negative items that continue to appear on my credit report despite previous dispute submissions.

The CFPBs recent lawsuit against Experian has brought national attention to the issue of sham investigations and failure to properly handle consumer disputes as required under the Fair Credit Reporting Act ( FCRA ). This reinforces my concern that my prior disputes may not have been investigated in good faith or with full compliance.

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 2025-11-19 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:
The account was declared XXXX  XXXX  even though I still have possession of the car, I still make payments and I'm up to date with them. This situation affects my ability to trade in the car for another. I tried to fixed the problem through them, but they didn't give me any solution. They simply say the can not do anything about and I firmly believe that they're lying about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint because of reporting multiple inaccurate payment histories across several of my accounts, despite my rights under FCRA 602, 611, and 623 ( a ) ( 2 ) ( b ) requiring fair, accurate, and fully verified information, and these errors continue to damage my credit profile. My XXXX  XXXX  account ( XXXXXXXX XXXX XXXX XXXX ) is being reported with a long list of alleged delinquencies including XXXX lates from XXXX XXXX XXXX and XX/XX/XXXX XX/XX/XXXX, XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX lates in XXXX XXXX and XXXX XXXX, and even XXXX lates in XXXX XX/XX/XXXX which does not align with the actual payment history, lender arrangements, or the timeline of my payments and is inconsistent with what was acknowledged by the servicer. My XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account, open since XXXX with a {$0.00} balance, is inaccurately showing a XXXX late in XX/XX/XXXX that is not reported by Experian or Equifax, and this late mark is inconsistent with my documented on-time payment for that month. My XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is also inaccurately marked with a XXXX late payment for XX/XX/XXXX, despite the payment being submitted within the allowed timeframe and accepted correctly by the lender. I further dispute the historical reporting of my closed XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing escalating delinquencies XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, and XXXX late in XX/XX/XXXX which does not reflect the actual adjustments, reconciliations, and completion of the account that resulted in a {$0.00} balance. Additionally, my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting late payments from XXXX through XX/XX/XXXX ( XXXX to XXXX ), which do not match the lenders final verified records or the activity that occurred before the account closed at a {$0.00} balance. These reporting errors collectively violate that the XXXX bureau obligation to ensure maximum possible accuracy and the furnishers duty to correct incomplete or inaccurate information after receiving notice, and they continue to harm my credit standing despite these accounts being handled responsibly. I am requesting a full investigation, as all of these reporting inconsistencies misrepresent my true payment behavior and do not align with verified payment records or the lenders acknowledgements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint because of reporting multiple inaccurate payment histories across several of my accounts, despite my rights under FCRA 602, 611, and 623 ( a ) ( 2 ) ( b ) requiring fair, accurate, and fully verified information, and these errors continue to damage my credit profile. My XXXX  XXXX  account ( XXXXXXXX XXXX XXXX XXXX ) is being reported with a long list of alleged delinquencies including XXXX lates from XXXX XXXX XXXX and XX/XX/XXXX XX/XX/XXXX, XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX lates in XXXX XXXX and XXXX XXXX, and even XXXX lates in XXXX XX/XX/XXXX which does not align with the actual payment history, lender arrangements, or the timeline of my payments and is inconsistent with what was acknowledged by the servicer. My XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account, open since XXXX with a {$0.00} balance, is inaccurately showing a XXXX late in XX/XX/XXXX that is not reported by Experian or Equifax, and this late mark is inconsistent with my documented on-time payment for that month. My XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is also inaccurately marked with a XXXX late payment for XX/XX/XXXX, despite the payment being submitted within the allowed timeframe and accepted correctly by the lender. I further dispute the historical reporting of my closed XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing escalating delinquencies XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, and XXXX late in XX/XX/XXXX which does not reflect the actual adjustments, reconciliations, and completion of the account that resulted in a {$0.00} balance. Additionally, my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting late payments from XXXX through XX/XX/XXXX ( XXXX to XXXX ), which do not match the lenders final verified records or the activity that occurred before the account closed at a {$0.00} balance. These reporting errors collectively violate that the XXXX bureau obligation to ensure maximum possible accuracy and the furnishers duty to correct incomplete or inaccurate information after receiving notice, and they continue to harm my credit standing despite these accounts being handled responsibly. I am requesting a full investigation, as all of these reporting inconsistencies misrepresent my true payment behavior and do not align with verified payment records or the lenders acknowledgements

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 2025-11-19 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: OH

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
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: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
They called me yesterday and so my house was not in foreclosure or pre-foreclosure and then today I get a thing saying that it is so they lied to me. This needs to be fixed and taken care of. I plan on making a payment tomorrow four payments actually. The person I spoke with was a XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Synchrony Bank Care Credit, 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 a personal credit card account opened at Synchrony Bank XXXX of XXXX  with a balance of {$20000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint and my XXXX XXXX utility bills to verify my correct residential address at the time of this unauthorized account being opened as proof from the US Federal Trade Commission that the aforementioned consumer credit account, collection, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting wrong account number and opening dates for account to keep it current. I currently have an account with the company they are collecting for, and they are using that account number, but the account is not delinquent. I had a previous account with the company they are collecting for that has a different account number and opening date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-19 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: Experian Information Solutions Inc.
State: GA

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX placed unauthorized hard inquiries on my TransUnion report on : XX/XX/year> XX/XX/year> I did NOT authorize these inquiries, did not apply for credit, and did not give consent.

This violates FCRA 604 because they lacked permissible purpose. 



I want both inquiries removed 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 explanation
Consumer complaint received 2025-11-19 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 reported information misrepresents my financial manner. Kindly examine and update it as needed.

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 2025-11-19 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 serves as my formal dispute regarding the accounts listed. I did not authorize or open them and have no association with them. I request their removal and a complete investigation. Documentation is enclosed.

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 2025-11-19 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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), your company must verifythrough the physical verification of the original signed consumer contractany and all accounts you report to assure maximum accuracy.

Please provide a copy of the verifiable proof ( an original consumer contract with my signature ) you used to verify these items when first reported. Under the FCRA, unverified accounts must be deleted promptly. Please also block this information pursuant to 605B and notify all furnishers. 

I demand the following accounts be removed immediately : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I completed a new dispute regarding old employment information, old married names, and old telephone numbers and addresses on my credit files. I no longer work for XXXX XXXX XXXX. I currently work for XXXX XXXX XXXX for the past XXXX  years. I have been divorced for over XXXX  years. My name should reflect XXXX XXXX as requested. My telephone should reflect XXXX only. My initial request on XX/XX/year> requesting for all incorrect information to be removed, it was later updated and my credit score soared to XXXX. My old information is back on there and my score dropped to XXXX. This practice is unfair to consumers and needs to be addressed. This is my personal information and anything concerning me should reflect correctly.

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