vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
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 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I discovered that my lender, Opportun, had entered an incorrect name on my loan documents. I never authorized or signed for the name listed on the account. Instead of contacting me to correct the error through the proper process, Opportun unilaterally changed the account to a different version of my namewithout my permission or any legal documentation. 

I contacted the company and requested proof that I had authorized this change. I gave them a deadline of XX/XX/year>, to respond with official documentation. They failed to do so and have provided no response to date. 

This has delayed my ability to verify my account and raised serious concerns about how my personal data is being handled. I am requesting an investigation into their unauthorized actions and appropriate remedies for the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
Third time applying for credit credit with my current scores at XXXX on Experian and XXXX XXXX. XXXX is showing XXXX. Which is an error. Every single account i have is paid and current. I have no negative data on my credit report since XXXX 

I tried to apply for 3 credit cards from XXXX, XXXX and XXXX. Received letters stating Experian and XXXX XXXX and XXXX are reporting different credit reports from my real credit reports and score. I have received multiple letters saying my credit score is XXXX, and I have many mortgages, and tons of debt. 

Ive tried multiple times to speak with credit agencies and the system says its not set up to put live agencies on the phone and if I have any complaints I need to send dispute. 

This is intentionally misleading and fraudulent information being reported. If they sent me correct information with all my correct information why and how are they reporting fraudulent information and sending me declining data on purpose? 

They have to pull my credit report when sending me letters so they should see the fraudulent information being sent instead of truthful information. The next concern is why is there a fraudulent data intentionally created to send creditors instead of credit information?

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Okay I purchased a XXXX XXXX XXXX from a dealership in XX/XX/XXXXand Santander had the loan. The original purchase price was XXXX plus interest which I believe was at XX/XX/XXXX % I purchased this car in XXXX of XXXX. The maturity date of the loan was XXXX of XXXX. In XXXX of XXXX I only owed {$550.00} left to pay on the car. When I was making my payments I was told by the customer service people that I was making payments through that I was way paid up and everything was good so I let a couple of payments laps because as I stated I only owed {$550.00} still on the vehicle and as a result Santander put me as a charge off without any notification that I was delinquent on my monthly payments or that there was any charge-offs going on any notifications that I was behind nothing of that sort. So when I went to finally pay the last bit of money I owed that's when I was made aware that I was a charge off on my vehicle. The lady that I spoke to from the bank explain to me that all I had to pay was {$350.00} and I would receive my title that everything would be fine because it was XX/XX/XXXXyears before the maturity of the loan actually ended. And here I am today still trying to fight Santander because they refuse to change my status and they're trying to tell me that my car was charged off and the loan was paid through the insurance which is not correct and they will not give me the information to prove that and they will not change my credit report I've disputed this three or four times with XX/XX/XXXXXX/XX/XXXXis doing nothing to actually help me I don't know what to do as a result I am giving this information to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I sent in a letter regarding these accounts to be deleted immediately over 30 days ago nothing has been done and I am a federal protected consumer that is being violated and taken advantage of. 

I believe that the reporting of these debts as valid is misleading for the following reasons : - The original companies have reportedly written off these debts and sold them to third-party creditors, leading to circumstances where I as a federal protected consumer under the Fair Credit Reporting Act 16 CFR 433.2, the Truth In Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ) contest the legitimacy of these debts being reported on my credit history.

- Pursuant to the FCRA, I am requesting a complete investigation of these accounts and would like the inaccurate entries removed from my credit report if they are found to be unsubstantiated.

* * Required Documentation * * : I would appreciate a prompt review of the documentation associated with these accounts. I have enclosed copies of relevant information that support my dispute back dated letter that was sent in over 45 days ago and nothing was done.

* * Request for Correction * * : I kindly request that your agency cease reporting this information until a thorough investigation has been conducted. If it is found that the information reported is inaccurate or unverifiable, I request immediate removal from my credit file with Experian, TransUnion, and Equifax.

Please respond to this letter within 30 days, as mandated by the FCRA. You may reach me at the phone number or email provided above for any necessary communication.

Thank you for your attention to this matter. I trust that you will handle it in accordance with the law.

Reguarding these companies listed : * * Disputed Accounts * * : 1. * * XXXX XXXX XXXX XXXX * * - * * Original Creditor * * : XXXX XXXX  - * * Account Number * * : XXXX 2. * * XXXX  XXXX XXXX * * - * * Original Creditor * * : XXXX XXXX XXXX - * * Account Number * * : XXXX 3. * * XXXX XXXX XXXX * * - * * Original Creditor * * : XXXX XXXXXXXX XXXX - * * Account Number * * : XXXX 4. * * XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have the disputed the validity of the amount and asked for a validation of debt several times with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX this DEBT Collector has filed lawsuit under Johnson Mark Attorney at Law. I have sent certified priority mail request.

This Debt Collector Johnson Mark Debt collection Attorney has also filed UNREDACTED personal information to include SSN in public record of court. However, can not furnish any bill of sale, assignment of title and alleges Breach of Contract with its Client XXXX XXXX, that I never did business with or agreed to do business with.

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 2025-05-15 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a data breach involving a company or entity that has access to consumer financial information. This breach appears to have exposed personal identifying information and may have resulted in unauthorized activity or inaccuracies on consumer credit reports.

Under the Fair Credit Reporting Act ( FCRA ), companies that furnish or maintain consumer data are required to : Maintain reasonable procedures to ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) ; Disclose unauthorized access to sensitive consumer data in a timely manner ; Properly investigate consumer disputes within 30 days of notice ( 15 U.S.C. 1681i ) ; Share consumer data only with parties who have a legally permissible purpose ( 15 U.S.C. 1681b ).

In this case, I believe the company in question failed to follow these requirements. I am requesting that the CFPB investigate this matter to determine if FCRA violations have occurred and ensure that consumer protections are enforced.

This breach has impacted me by [ briefly describe the harm e.g., causing fraudulent activity on my credit report, leading to denial of credit, or placing me at risk of identity theft ], and I am seeking your help to : Investigate the companys data handling practices, Require the correction or removal of any false or fraudulent information from credit reports, Hold the company accountable if FCRA violations are found.

Supporting documents and evidence are being submitted through the complaint form, where applicable.

Thank you for your attention to this matter.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I'm reaching out because there is an account showing up on my credit report that simply does not belong to me. This account appears to be mixed in with my personal credit information, and its tied to someone else entirely. I want to be absolutely clear : this is not my account, and I have no connection to 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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : A wireless account opened at XXXX XXXX on XXXX XXXX XXXX under the account number ( private ). 
A utility account opened at XXXX XXXX opened on XXXX XXXX under the account number ( private ). 

These accounts have resulted in several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of the hard inquiries and a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts, collections, or hard inquiries as reported.

The accounts, collections, and inquiries appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud. 
I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Home Loan Center, Inc.
State: OR

Complaint narrative:
I applied for a auto loan and a home loan and I sent there partners a email that stated usc codes and I had 2 lenders willing to help extend credit to me and the next day was blocked from there website.

I had lenders willing to extend my credit for an auto loan but too and when Im scheduled to pick up the car it got cansled right before.

Ive disputed this until I was blocked but now I need your help cause they are discriminating against me cause XXXXXXXX XXXX XXXX XXXXXXXX male and they have little regard for the law and usc codes.

Title 15 usc1602 Title 15 usc 1691 I got more but Ill keep this short.

They also knowingly committing fraud on me 42 usc 408 for asking me for my ssn and not giving meat benafits I got bunch more codes but I wont dip them on you. Im sure you know the. 
If you have the power to help me the little guy stand up against these big corporations and make them boat the rules like we have to in this consumer credit transaction I appreciate you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 XXXX XXXX XXXXXXXX XXXX BALANCED {$690.00} XXXX XXXX XXXXXXXX BALANCED {$210.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 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 XXXX 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 non-monetary relief