vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
ON XX/XX/year> I RECEIVED AN EMAIL STATING THAT SANTANDER XXXX XXXX PLACED AN INQUIRY ON THE CREDIT REPORT. UPON CONTACTING SANTANDER XXXX TOLD ME THAT THEY WILL INVESTIGATE THE INQUIRY AN TO GET BACK TO ME. NO ONE NEVER CONTACTED ME ALMOST A YEAR LATER GETTING ALERTS ABOUT A CAR THAT I HAD NO KNOWLEDGE ABOUT THE VEHICLE. CONTACTED SANTANDER TOLD ME THE DEAL WAS DONE AT XXXX XXXX XXXX AN THE DEALER WHO SOLD THE CAR WAS FIRED DUE TO FRAUD. CONTACTED THE CREDIT BUREAUS TOLD ME TO FILE A FTC SUBMITTED THE FTC REPORT. THE MANAGER FROM XXXX TOLD ME SHE WILL HANDLE THE SITUATION NOTHING WAS DONE CAR WAS DONE WITHOUT MY CONSENT HAVE NO DRIVER LICENSE. WANT THE ACCOUNT TO BE REMOVE INDEFINITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I deny any association with the accounts referenced and suspect identity fraud may have occurred. I request a formal inquiry and prompt deletion of the affected entries from my credit file. Enclosed are supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
SOURCE RECVB is reporting a negative collection account allegedly originating from XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX with inconsistent and inaccurate data across the three major credit bureaus. 

Inconsistent Account Status : XXXX lists the account as Open, while XXXX XXXX XXXX  list it as Closed. 

Conflicting Dates : Date of Last Activity varies ( XXXX : XX/XX/2025 ; XXXX : XX/XX/2025 ; XXXX : XX/XX/2025 ). 

Inconsistent Creditor Remarks : XXXX says Placed for collection, while XXXX states Subject has not satisfied debt. 

These discrepancies violate FCRA 623 ( a ) ( 1 ) ( duty to report accurate information ) and FCRA 623 ( a ) ( 2 ) ( duty to update and correct information ).

Violates XXXX XXXX  Accuracy & Integrity Guidelines, which require furnishers to ensure consistent, accurate, and complete reporting to all CRAs.

No FCRA 623 ( a ) ( 7 ) notice was sent informing me that negative information would be furnished to the credit bureaus. 

In addition, XXXX service agreementwhich governs the original accountcontains a binding arbitration clause. As the debt buyer, SOURCE RECVB remains subject to that agreement and can not avoid its obligations by claiming to be a third party. A copy of the arbitration agreement is attached for reference. 

This reporting is inaccurate, misleading, and has caused harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information. If the information can not be verified, it must be removed or corrected immediately. 

Disputed Account Information Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$0.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$860.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$520.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX  Account Balance : {$120.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$130.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$1100.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1100.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$17000.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$0.00} OPEN DATE : XX/XX/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 2025-08-13 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: AZ

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
XXXX claims that they have reported my mortgage account to credit bureau Experian ; however, it is not showing on my Experian credit report. I filed a qualified written request notice of error about this and received a response from XXXX indicating that no error was found. I then filed an additional qualified written request in accordance with the RESPA Part 1024.35 ( e ) ( 3 ) ( ii ) and I asked the servicer XXXX for copies of documents and information relied upon by the servicer in making its determination that no error occurred ; however, XXXX did not provide me with any documents or any proof that they have reported my mortgage account to Experian. I am attaching a copy of the letter I sent requesting proof and a copy of the servicer 's response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WI

Complaint narrative:
Both Equifax and TransUnion are inaccurately reporting an account from XXXX XXXX XXXX opened XX/XX/year>, account ending in XXXX ) with a status of Charge-off while simultaneously showing a Current Payment Status of Past Due and a monthly past due balance of {$1000.00}. 

Once an account is charged off, no contractual monthly payments are due. Reporting a continuing past-due balance after charge-off is inaccurate and materially misleading to creditors and potential lenders. Both bureaus are also including this closed account in revolving utilization at over XXXX XXXX which misrepresents my active credit usage and negatively impacts my credit score. 

These errors violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : Failure to delete or correct inaccurate information after a dispute. 

I disputed this directly with both Equifax and TransUnion, but they verified the account without correcting the inaccuracies. I request that the CFPB require both bureaus to remove or correct this tradeline to ensure full compliance with the FCRA. 

Supporting documentation includes my credit report excerpts from both bureaus showing the inaccurate fields and my original dispute letters to each.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX to get a transfer PIN to port my service over to XXXX. I was given transfer PIN XXXX and had the XXXX sales rep immediately transfer my number and service to XXXX XXXX XXXX continued to charge me, and on XX/XX/year> placed my account in collections, even though they sent me an email that my account was disconnected ( attachment included ). I have contacted XXXX by email and phone, but they will not accept or honor my request to dispute the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
An outfit called LVNV Funding LLC has reported to 2 credit bureaus a debt that does not exist, attempting to extort {$6000.00} USD. They never contacted me directly about this alleged debt by any available means. I only became aware of this account when it was discovered on one of my credit reports. 

When I had the fraudulent claim removed from XXXX, this company, LVNV Funding, turned around and submitted it to XXXX, which I have now also disputed, and then I alerted Transunion that they would likely have it submitted to them. LVNV Funding shall be on notice with this report that any further tortious fraud/extortion activity against me will result in my suing them for real, punitive and special damages as well as attorney fees. Legal counsel has been consulted. 

I have never had any dealings with LVNV funding. I have never had a credit account with the company they allege the debt originated from, nor have I ever authorized a credit account to be taken out in my name as a primary or cosigner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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