vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am submitting this formal dispute regarding the information currently being reported on my credit file under XXXX XXXX / XXXXXXXX XXXX The information being reported is inaccurate, incomplete, outdated, and harmful, and it violates multiple sections of the Fair Credit Reporting Act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 2025-11-20 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: TX

Complaint narrative:
I am submitting this formal dispute regarding the information currently being reported on my credit file under XXXX XXXX / XXXXXXXX XXXX The information being reported is inaccurate, incomplete, outdated, and harmful, and it violates multiple sections of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Village Capital Investments said : " As outlined in your mortgage note, payments are due on the first, past due on the second, however, we have agreed to not assess a late charge if the payment is made before the XXXX. If the payment is not received by the end of the month, we must report it to the credit bureaus accordingly. 
However, we would like to confirm that we have received your acceptance of the XXXX escrow repayment extension. This was applied to your loan effective yout XX/XX/year> payment, this plan extended your shortage by an additional XXXX, including the credited amount of {$160.00}, adjusting your monthly payment to {$4900.00}. 
Your loan is currently due for the XX/XX/year> payment in the full contractual amount of {$4900.00}. At this time, your suspense account reflects a balance of {$4000.00}. We encourage you to submit the remaining portion of the payment to prevent any further negative impacts to your account. '' They are stating that they will accrue fees while in a active dispute. Then our account is charged {$100.00}. Late Charge Assessment on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
On XX/XX/XXXX, Experian received ( via certified mail ) my Formal Demand for Verification Traceability & Investigation Protocols regarding its continued reporting of a XXXX  XXXX Bankruptcy ( Ref # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ). USPS tracking confirms delivery to BOTH Experians dispute center in XXXXXXXX XXXX  and corporate headquarters in XXXX XXXXXXXX XXXX. 

Experian previously issued a Remains result on XX/XX/XXXX, claiming : The company that reported the information has certified to Experian that the information is accurate. 

This is false, misleading, and a violation of federal law. Bankruptcy courts do not furnish or certify consumer credit data, which I documented in earlier submissions ( written confirmation directly from the U.S. Bankruptcy Court ). 

In Experians XX/XX/XXXX CFPB response to complaint # XXXX, Experian further admitted : A public record vendor may collect this data and supply that information to Experian. 

This confirms that Experian : Did not verify with the original source ( the Court ) Verified the bankruptcy through a third-party data vendor, not a legal furnisher Refuses to identify the vendor Refuses to provide chain-of-custody documentation Refuses to provide any investigative materials Refuses to provide reinvestigation procedures Claims compliance with the FCRA despite not verifying with the source Additionally, I have a freeze in place with XXXX the primary public-records vendor used by all CRAs. If Experian verified my bankruptcy data through XXXX while frozen, this constitutes an additional FCRA and DPPA violation. 

Despite : Multiple disputes Two prior CFPB complaints ( # XXXX and # XXXX ) Official written confirmation from the Bankruptcy Court A formal Notice of Intent to Sue delivered XX/XX/XXXX A formal Demand for Verification Traceability delivered XX/XX/XXXX A XXXX XXXXecurity freeze A documented failure to provide any verification documents Experian continues to report an unverifiable public record and refuses to identify the furnisher or produce required documentation. 

This is a willful violation of : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete information that can not be verified 15 U.S.C. 1681g ( a ) ( 2 ) failure to disclose the source of information 15 U.S.C. 1681n willful noncompliance 15 U.S.C. 1681o negligent noncompliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an auto loan with Santander Consumer USA that I believe was based on misrepresentation by the dealership and may violate consumer lending protections. 
I purchased a vehicle from XXXX XXXX of XXXX XXXX in New Jersey using my New Jersey drivers license and New Jersey auto insurance. I was allowed to take delivery of the vehicle with my NJ insurance. 
After the sale was completed, the dealership contacted me and demanded that I switch my insurance to New York, which was never disclosed at the time of signing the retail installment contract. This appears to be a post-contract modification, which raises concerns about the accuracy of the information submitted to Santander during the origination of the loan. 
My loan has an APR of 24.52 %, which I was not prepared for. I believe Santander may have approved the loan using inaccurate or unauthorized residency or insurance information supplied by the dealership. 
This has caused severe financial hardship. 
I am requesting that the CFPB investigate Santanders role in accepting this application, verify whether the dealership submitted correct information, and review whether the contract complies with consumer protection laws. 
I am attaching relevant documents, including proof of my NJ license, NJ insurance at delivery, the after-sale insurance change request, and my loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-11-20 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 writing to dispute multiple charged-off accounts on my credit report. Upon review, I believe these accounts are inaccurately reported, and I request that they be corrected or removed from my credit report. Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am submitting this CFPB complaint because Equifax is reporting multiple items that I believe are inaccurate or unverifiable. I am requesting a full reinvestigation in accordance with the FCRA. 

XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$230.00} I dispute the accuracy of the balance, dates, and charge-off status. 

XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$5300.00} XXXX appears incomplete or inaccurate ; please verify. 

XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$15000.00} XXXX dispute this reporting and request full documentation. 

I dispute the following inquiries as unauthorized or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request verification of permissible purpose for each inquiry. 

XXXX XXXX XXXX XXXX Acct : XXXX I dispute the late payment reporting and request original creditor documentation. 

Please conduct a full investigation and correct any inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-11-20 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX subscription for my vehicle using promo code XXXX, which reduced the cost to {$25.00}. XXXX website accepted my PayPal billing update, processed the {$25.00} payment, activated the plan, and issued an order confirmation. 

Shortly after activation, my subscription was cancelled without my authorization. XXXX agents confirmed that I did not cancel the plan, no cancellation request exists on my account, and no cancellation reason is logged in their system. The cancellation originated internally within XXXX. After cancelling my paid subscription, the system added the wrong service package at no cost. 

When I asked why this happened, I was told that XXXX XXXX XXXX requires debit or credit cards only and that this policy changed a year ago. However, XXXX allowed me to update my billing to PayPal on XX/XX/XXXX and processed the payment successfully. If PayPal was not allowed, the system should have blocked the billing update or declined the payment. This contradiction suggests a system malfunction or improper handling of electronic payments. 

In addition, my PayPal automatic payment authorization for XXXX is still active, even though XXXX cancelled my service internally. This means the merchant cancelled my service but did not cancel the recurring billing authorization, creating risk of future unauthorized charges. 

During escalation, a representative also referenced an internal order number ( XXXX ) that does not appear anywhere in my account or documentation, which raises concerns about account integrity and data accuracy. 

XXXX refused to reinstate the service unless I pay again and wait for a refund later. I am filing this complaint because the service I paid for was cancelled without my consent, no valid explanation was provided, my billing authorization remains active, and I was instructed to make a duplicate payment to restore the same subscription

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Ally has contacted my place of employment numerous times and myself and my husband have asked them to remove the number and to stop contacting me at that number. They will call numerous times and have been harassing us. The lady that called today at my work threaten to send someone to my house. My husband has contacted the company and made arrangements and they continue to call and harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
Dear Equifax, I am writing to dispute several accounts listed on my credit report. Please find the details of these accounts below : CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX IXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
I am disputing the following accounts and inquiries on my Equifax credit report. 

Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$180.00} Inquiries : XXXX  Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation