vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Despite multiple requests, the company did not provide the required documentation. Instead, they issued responses that were incomplete, contradictory, or did not address the unauthorized activity. 
On XX/XX/year> at XXXXXXXX XXXX EST, I received an email from the company stating One last step to add your card to XXXX XXXX. I did not initiate this action, do not use XXXX XXXX, and was asleep at the time. This email confirms that an unauthorized party attempted to provision my card into a digital wallet. The company never disclosed this event, never included it in their investigation, and did not provide any logs related to it, despite my repeated requests. 
The company has not provided a complete investigation, has not supplied the documentation I requested, and has not demonstrated how they concluded the transaction was authorized. They also have not provided written confirmation that the account is secure. I am requesting that the unauthorized charge be reversed, that the company provide the required documentation, and that they correct their investigation to reflect the unauthorized access and activity

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 2025-12-27 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 am submitting this second complaint because the original responses I received from the credit reporting agencies ( TransUnion, Experian, and Equifax ) were inadequate, incomplete, and in violation of multiple consumer protection laws. 

In my first complaint, I provided specific documentation and legal references requesting : The deletion or correction of inaccurate and unverifiable negative accounts Proof of permissible purpose to report and share my credit data Verification through original signed contracts, not just data entries from furnishers Assurance that my personal data was not compromised, especially in light of known data breaches ( XXXX TransUnion ) However, all three agencies failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) and related statutes : They did not provide documentation verifying the disputed debts They relied on furnishers unverifiable responses without reviewing my evidence They failed to conduct a reasonable reinvestigation, as required by FCRA 1681i They ignored the Gramm-Leach-Bliley Act ( GLBA ) by not disclosing who accessed my data or how it was safeguarded They continued to report damaging and incorrect information that affects my financial wellbeing Specifically : Experian claimed that furnishers verified the data but provided no documentation or legal basis for such verification. 

Equifax made minor updates to tradelines but verified several negative items without providing proof, despite modifying fields like charge-off amounts and delinquency dates. 

TransUnion deleted XXXX account ( XXXX ) but left others in active dispute without verification, and added an extended fraud alert without explanation. 

This raises serious concerns about : The accuracy and integrity of the data they are reporting Their failure to follow due process under the FCRA, UCCC, SOX, and GLBA Their continued disregard for my consumer rights I am requesting that the CFPB intervene to compel these agencies to : Remove unverifiable and inaccurate data Provide full documentation of any verified information Investigate their dispute-handling practices and data security controls Award appropriate compensation for damages as allowed under FCRA 1681n and 1681o Thank you for your assistance in holding these companies accountable for their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
I am submitting this second complaint because the original responses I received from the credit reporting agencies ( TransUnion, Experian, and Equifax ) were inadequate, incomplete, and in violation of multiple consumer protection laws. 

In my first complaint, I provided specific documentation and legal references requesting : The deletion or correction of inaccurate and unverifiable negative accounts Proof of permissible purpose to report and share my credit data Verification through original signed contracts, not just data entries from furnishers Assurance that my personal data was not compromised, especially in light of known data breaches ( XXXX TransUnion ) However, all three agencies failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) and related statutes : They did not provide documentation verifying the disputed debts They relied on furnishers unverifiable responses without reviewing my evidence They failed to conduct a reasonable reinvestigation, as required by FCRA 1681i They ignored the Gramm-Leach-Bliley Act ( GLBA ) by not disclosing who accessed my data or how it was safeguarded They continued to report damaging and incorrect information that affects my financial wellbeing Specifically : Experian claimed that furnishers verified the data but provided no documentation or legal basis for such verification. 

Equifax made minor updates to tradelines but verified several negative items without providing proof, despite modifying fields like charge-off amounts and delinquency dates. 

TransUnion deleted XXXX account ( XXXX ) but left others in active dispute without verification, and added an extended fraud alert without explanation. 

This raises serious concerns about : The accuracy and integrity of the data they are reporting Their failure to follow due process under the FCRA, UCCC, SOX, and GLBA Their continued disregard for my consumer rights I am requesting that the CFPB intervene to compel these agencies to : Remove unverifiable and inaccurate data Provide full documentation of any verified information Investigate their dispute-handling practices and data security controls Award appropriate compensation for damages as allowed under FCRA 1681n and 1681o Thank you for your assistance in holding these companies accountable for their legal obligations.

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 2025-12-27 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am requesting the immediate removal of the following account from my credit report : Creditor : Harris & Harris Account Number : XXXX Reported Balance : {$940.00} This account is being reported inaccurately and has not been properly validated. Despite my dispute, Harris & Harris has failed to provide sufficient documentation proving the accuracy, ownership, or legal right to report this debt as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Because the account has not been verified and continues to negatively affect my credit, I am requesting that it be deleted from all consumer credit reporting agencies immediately. 
I am not requesting payment options or communicationonly correction of inaccurate reporting. 
Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I am filing a formal complaint regarding false, inaccurate, and unlawful credit reporting related to an alleged debt currently being reported on my credit file. 

A collection account is reporting under the name XXXX XXXX XXXX with a balance of {$2400.00}, opened XX/XX/year>, and marked as Placed for collection. This tradeline contains multiple material inaccuracies. 

False Claim of Original Creditor : The reporting company falsely identifies itself as the Original Creditor. This is factually incorrect. The company is a third-party debt collector, not the original creditor, and has no lawful basis to report itself as such.

This misrepresentation violates 15 U.S.C. 1692e of the Fair Debt Collection Practices Act, which prohibits false or misleading representations regarding the legal status or origin of a debt. 

Duplicate and Re-Aged Collection : This same alleged debt was previously disputed with another collection agency, which agreed to remove the tradeline. I was informed in writing that credit bureaus may take 4560 days to process the deletion.

Despite this, a new collection tradeline has appeared, reporting the same debt as newly opened. This strongly suggests duplicate reporting and/or illegal re-aging, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Requestedemand for Resolution I am requesting the following actions : - Immediate deletion of this collection tradeline from XXXX XXXX and TransUnion - Written confirmation that this debt will not be re-reported, transferred, or reassigned - Full validation of the debt, including proof of original creditor and legal ownership - Written explanation for the false claim of original creditor status If unresolved, I will pursue further complaints with state regulators and explore civil remedies available under FDCPA and FCRA. 

Sincerely, 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
My credit reports contain inaccurate and inconsistent personal information, including multiple name variations that I have never used or no longer use. These inaccuracies create a high risk of a mixed or fragmented credit file and violate the requirement under the Fair Credit Reporting Act ( FCRA ) that consumer reporting agencies maintain maximum possible accuracy. 

In addition, several accountsparticularly student loan accounts that were transferred or closedare reported inconsistently across XXXX, XXXX, and XXXX. Some accounts show late payment history, balances, or statuses that are incorrect or continued to be reported after the accounts were transferred, paid, or closed. The same accounts are reported differently by each bureau, indicating a failure to properly verify the accuracy of the information. 

I have disputed these inaccuracies, yet the incorrect information continues to appear, suggesting that the companies involved did not conduct a reasonable reinvestigation as required by law. I am requesting that all inaccurate personal information be corrected or removed, and that any account information that can not be fully verified as accurate be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2025-12-27 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My credit reports contain inaccurate and inconsistent personal information, including multiple name variations that I have never used or no longer use. These inaccuracies create a high risk of a mixed or fragmented credit file and violate the requirement under the Fair Credit Reporting Act ( FCRA ) that consumer reporting agencies maintain maximum possible accuracy.

In addition, several accountsparticularly student loan accounts that were transferred or closedare reported inconsistently across XXXX XXXX, and XXXX. Some accounts show late payment history, balances, or statuses that are incorrect or continued to be reported after the accounts were transferred, paid, or closed. The same accounts are reported differently by each bureau, indicating a failure to properly verify the accuracy of the information.

I have disputed these inaccuracies, yet the incorrect information continues to appear, suggesting that the companies involved did not conduct a reasonable reinvestigation as required by law. I am requesting that all inaccurate personal
information be corrected or removed, and that any account information that can not be fully verified as accurate be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I contacted Santander Consumer USA to make a principal-only payment of {$100.00} on my auto loan.

Initially, my request was refused. I requested to speak with a supervisor, after which Santander agreed to accept the {$100.00} payment as a PRINCIPAL-ONLY payment.

During the call, a Santander agent explicitly stated that the {$100.00} payment would be applied to principal, and I was provided a confirmation number for this transaction. I have a recording of this call confirming the agents statement.

Despite this confirmation, Santander misapplied the {$100.00} payment entirely to interest instead of principal. I have screenshots showing the payment was posted as interest-only.

This constitutes a servicing error and improper payment application.

Additionally, my prior regular payment was applied in a manner where only {$1.00} was applied to principal and {$660.00} was applied to interest, further demonstrating payment allocation concerns.

I am requesting : 1 ) Immediate reallocation of the {$100.00} payment to principal 2 ) Written confirmation that the servicing error has been corrected 3 ) Assurance that future principal-only payments will be applied correctly I am retaining all evidence, including call recordings, confirmation numbers, and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am disputing an unauthorized debit card transaction processed through my Venmo debit card at XXXX. 

The transaction occurred while I was at work. I reported the fraud within 30 minutes of the charge. XXXX confirmed there was no in-store register transaction and that the charge was an online order with in-store pickup by an unknown individual. 

XXXX  denied my dispute without providing evidence that I authorized the transaction and without conducting a reasonable investigation as required by Regulation E. 

I am requesting reversal of the unauthorized transaction and compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
I submitted documents to Experian several times and they still havent removed these accounts off my credit report I am a victim of identity theft and they are still going against the law by providing false information. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has stole my identity and is stalking me. 
My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX phone number 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 2025-12-27 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX filed XX/XX/2018 XXXX  XXXX bankruptcy has violated my rights. 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

Company response to consumer: Closed with explanation