vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$11000.00}, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$2900.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$4100.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2600.00}, an account opened at XXXX XXXX XXXXXXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$540.00}, and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$600.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. 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 and collections 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 and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: AZ

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Investigate Disputed Credit Report Items & Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian, one of the nationwide credit reporting agencies, for failing to conduct a proper investigation into disputed items on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). The agency has allowed factually inaccurate and outdated information to remain on my file, despite my efforts to correct it through their dispute process. 

Inaccurate and Inconsistent Credit Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : " Account charged off / Never late '' Written Off : {$11000.00} | Past Due as of XX/XX/XXXX : {$11000.00} This account is incorrectly reported as both charged off and never late a contradiction that indicates either a failure to investigate or a systemic reporting error. Additionally, this account exceeds the seven-year limit for negative reporting under FCRA 605 ( a ). 

XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Status : " Account charged off / Never late '' Written Off : {$120.00} | Past Due as of XX/XX/XXXX : {$120.00} Again, this reflects the same issue : it can not be charged off without any late payments. Furthermore, the account is over a decade old and should no longer appear on my credit report under FCRA guidelines. 

Experians Pattern of Violations : My experience is consistent with the CFPBs own allegations in its lawsuit against Experian ( CFPB v. Experian, XXXX ). I believe I was subjected to the same unlawful practices, including : Sham investigations that failed to address my disputes. 

Contradictory and inconsistent responses that ignored the evidence I submitted. 

Failure to notify me properly of the investigation results. 

Permitting reappearance of inaccurate tradelines without proper justification or validation. 

These practices are not only deceptive but have caused me harm in the form of damaged credit, potential loss of access to credit or housing, and emotional distress. 

Requested Relief : I respectfully request that the CFPB : Investigate Experians conduct in regard to my disputes.

Enforce correction or deletion of the inaccurate items listed above.

Ensure Experian follows proper FCRA protocols in handling consumer disputes.

Hold Experian accountable for any violations of the Consumer Financial Protection Act and FCRA. 

Thank you for your time and attention. I am happy to provide supporting documentation, dispute letters, and copies of my credit report upon request. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX XX/XX/year>, I raised a dispute via PNCs online customer service to stop an unauthorized transaction of {$34.00} on my PNC Debit Card. At the time of submitting the dispute, I was not informed that initiating a stop payment would result in a {$33.00} fee. 

Later, my account was charged {$33.00} for the stop payment service without any prior notice. To date, I have not received a refund for the unauthorized charge of {$34.00}. 

Had I been made aware of the {$33.00} fee at the time of submitting the dispute, I would have considered alternative methods to resolve the issue. Due to this lack of disclosure and poor service handling, I have incurred a total loss of {$67.00}. 




Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a survivor of XXXX XXXX  and submitted a lawful request under the Debt Bondage Repair Act ( DBRA ) ( Public Law XXXX ) to TransUnion asking for the removal of adverse information that directly resulted from my trafficking situation. 

Instead of removing only the adverse items as required by DBRA, TransUnion deleted entire positive account histories m including accounts with XXXX  years and XXXX years of positive payment history that were unrelated to any XXXX-related adverse information. 

As a result, my credit report was severely harmed, and I am now classified as unscoreable, despite having a long and responsible credit history. 

I believe this action violates : The Debt Bondage Repair Act ( DBRA ) protections for trafficking survivors, The Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX requirements for accurate correction after a dispute. 

I am respectfully requesting CFPB assistance in ensuring that : My positive account histories are fully reinstated, Only adverse information related to trafficking is removed ( in accordance with DBRA ), My ability to maintain a credit score is restored. 

I have attached documentation where available to support my request.

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 2025-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
ALL of these loans were taken out from speedy cash store online around XXXX of last year I have called and verified through them that my information was stolen and have even provided them with a police report as well they have also confirmed that those loans were taken out online using my name and DOB but there was a different social security number used when this person obtain the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
I filing this complaint I just found out that there are numerous credit inquiries on all three of my credit reports I am a victim of identity theft, Equifax has a massive data breach and has leaked my information and there is a ton of inquires in my credit report I want removed, before I file legal assistance for this issue Experian has numerous inquiries also on my report I do not recognize, I am a victim of identity theft, my information was used with out my knowledge And Transunion please remove the credit inquires from my report as these inquiries are fraudulent, I do not recognize these inquiries Will attach documents and and provide copies of the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notices i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-27 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:
* STUDENT LOANS ON EXPERIAN, EQUIFAX, AND TRANSUNION : I am formally disputing the student loan accounts in my credit report, as the recent material changes in federal student loan administration have raised serious concerns about their legitimacy, ownership, and enforceability. The other student loans have been removed from all 3 bureaus.

Reasons for removal : 1. Lack of Credible Verification ; 2. Material Change in Federal Oversight ; 3. Potential FCRA Violations ; 4. Inaccurate Payment History.

* * FREEDOM MORTGAGE ON EXPERIAN, EQUIFAX, AND TRANSUNION : The account in question has been reported inaccurately and should reflect Paid Never L
ate. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information reported.

Reasons for removal : 1. Experian reports 30 days late. The other bureaus don't show any reporting history.

2. Date of Last Activity is different on all 3 bureaus.

Additionally, under 15 U.S.C. 1666b, creditors must properly account for the timing of payments. If my accounts were reported incorrectly despite my timely payments, this constitutes a violation of my rights under federal law.

* * * CAPITAL ONE ON EXPERIAN, EQUIFAX, AND TRANSUNION : I am writing to formally disp
ute inaccurate information appearing on my credit report in violation of 15 U.S. Code 1666b ( Timing of Payments ) and 15 U.S. Code 1681e ( b ) ( Accuracy of Credit Reports ). 

Reasons for removal : Different Dates of Last Activity/Last Payment ( See Image Below Experian shows XX/XX/XXXX and XX/XX/XXXX - 30 day Late Payments Equifax Shows XX/XX/XXXX and XX/XX/XXXX - 60 day Late Payments TransUnion payment history shows on time. They are not reporting the years of XXXX and XXXX. 

Additionally, under 15 U.S.C. 1666b, creditors must properly account for the timing of payments. If my accounts were reported incorrectly despite my timely payments, this constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-26 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: KY

Complaint narrative:
What happened? 

I am submitting this complaint regarding XXXX XXXX  XXXX for inaccurately reporting a XXXX late payment on my mortgage account ( opened XX/XX/year> ). This information is completely incorrect. I have never missed or made a late payment on this account. 

I reviewed my payment history and financial records carefully and confirmed that I have consistently made on-time payments. I formally disputed this inaccurate reporting and requested documentation to validate the alleged late payment. However, XXXX XXXX  XXXX failed to provide any evidence or statements proving a delinquency. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ), furnishers of information have a legal obligation to report only accurate information. Their continued reporting of a XXXX late payment without validation violates federal law and is causing serious harm to my credit profile and financial opportunities. 

Furthermore, XXXX  failure to properly investigate and correct this error after my dispute constitutes a violation of FCRA 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 2025-04-26 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: KY

Complaint narrative:
What happened? 

I am submitting this complaint regarding XXXX XXXX  XXXX for inaccurately reporting a XXXX late payment on my mortgage account ( opened XX/XX/year> ). This information is completely incorrect. I have never missed or made a late payment on this account. 

I reviewed my payment history and financial records carefully and confirmed that I have consistently made on-time payments. I formally disputed this inaccurate reporting and requested documentation to validate the alleged late payment. However, XXXX XXXX XXXX failed to provide any evidence or statements proving a delinquency. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ), furnishers of information have a legal obligation to report only accurate information. Their continued reporting of a XXXX late payment without validation violates federal law and is causing serious harm to my credit profile and financial opportunities. 

Furthermore, XXXX  failure to properly investigate and correct this error after my dispute constitutes a violation of FCRA XXXX XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: KY

Complaint narrative:
What happened? 

I am submitting this complaint regarding XXXX XXXX  XXXX for inaccurately reporting a XXXX late payment on my mortgage account ( opened XX/XX/year> ). This information is completely incorrect. I have never missed or made a late payment on this account. 

I reviewed my payment history and financial records carefully and confirmed that I have consistently made on-time payments. I formally disputed this inaccurate reporting and requested documentation to validate the alleged late payment. However, XXXX XXXX XXXX failed to provide any evidence or statements proving a delinquency. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ), furnishers of information have a legal obligation to report only accurate information. Their continued reporting of a XXXX late payment without validation violates federal law and is causing serious harm to my credit profile and financial opportunities. 

Furthermore, XXXX failure to properly investigate and correct this error after my dispute constitutes a violation of FCRA 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 explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I disputed a claim that I owed money to the XXXX on XXXX XXXX through the XXXX XXXX XXXX XXXX collection agency with a certified mail with sign receipt and to this day I have never heard back from them. I disputed the dispute from Trans Union. XXXX  and XXXX  said the company saying we owed money was fraudulent and took it off my credit report. Trans union is just taking the word of the company without any proof. I want Trans union to take this derogatory claim off my credit report as there is no proof of me owing this money.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
further, i certify that I am permitted by FEDERAL and state LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C. 1001.

additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. this collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. all is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I would like a reinvestigation of my Santander Consumer USA ( XXXX ) account to insure accuracy across all bureaus. Since comparing the reports I see multiple errors and the continuation of false reporting and inaccurate information is confusing and injurious to my ability to gain credit. I would also appreciate an explanation as to why a repo notice ( which I never received ) was not sent to the address I had on my contract and how I was expected to be notified of the acceleration process with no warning. After my investigation is complete I would like names, business numbers & emails as well as dates of when they reinvestigated for those in the process of verifying this is legitimate and 100 % correct information being reported. An updated credit report afterwards would be appreciated.

Company response to consumer: Closed with non-monetary relief