vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as a violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act.

Because of this breach theres been inaccurate information on my credit report as if I had missed payment when I have never missed a payment or a deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-04-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
In XXXX I began taking care of my mother after an accident which caused her to have minimal ability and no longer being able to drive. I purchased a new used car to be able to take her back and forward to the doctor unfortunately her health started to declined and hardship on me and my family began I reached out to Santander Consumer USA and asked about solutions they were unable to put my account on hold because my account was new I was left with no other options so did not contact them again in XX/XX/XXXX I got a new job and was able to make payments and was hopeful of being able to catch up on payments than my mom was put on XXXX while I was in XXXX XXXXXXXX XXXX With the new expenses and travel cost to and from Louisiana and living expenses on to of her medical expenses I fell even further behind and became XXXX  and hopeless when she passed away XXXX XXXX it was a struggle for me and now that I am in a better position my car was repossessed with no option to get it back other than to pay {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-04-10 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:
I am a victim of identity theft which should be noted in the credit bureaus system. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter, also section 605 ( b ) 15 U.S.C 1681 c-2 requires consumer reporting agencies to block the reporting information in a consumers file that the claims resulted from identity theft.

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 2025-04-10 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:
To CFPB : Equifax states they are a credit bureau and can report anything they want without my permission { the only United States credit bureau is the CFPB } Equifax is a private owned company I talked on the phone to a Equifax rep name XXXX they have every right to report on consumer reports without consumer permission. PRESIDENT TRUMP SIGNED AN EXECUTIVE ORDER : stating that a -- Unlawful credit reporting without consumer consent, The rep stated they have every right to report on consumer reports what happen to federal law I disputed Equifax case XXXX Equifax stated came back I own account they did not care it was reporting wrong information just that creditor states it so its fact I ask Who gave you permission to report this on my credit report, they stated they do not need permission, asked to speak to a supervisor would not let me, even if creditor reports to Equifax I never gave either one permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CT

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directing towards Experian, Transunion and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution. 

Accounts XXXX XXXX XXXX XXXX {$29000.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: AL

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agenciesTransUnion, Equifax, and Experianfor their collective failure to investigate, correct, or delete inaccurate and outdated information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

On or around XX/XX/year>, I submitted written disputes to each of these agencies regarding multiple accounts that were inaccurately reported on my consumer credit file. As outlined under Section 611 of the FCRA ( 15 U.S. Code 1681i ), the credit bureaus are required to conduct a reasonable investigation of any information disputed by a consumer and report back within 30 days. However, none of these agencies have adequately responded, investigated, or provided sufficient documentation from the original creditors to validate these accounts.

Further, under Section 609 ( a ) ( 1 ) of the FCRA, I requested complete verification and documentation of the accounts in question, including the sources and furnishers of the information. I was not provided with any such documents, nor with a valid method of verification.

The presence of inaccurate and unverifiable negative accounts on my credit reports has caused significant harm, including the denial of credit, higher interest rates, and emotional distress. Under the Truth in Lending Act ( TILA ), consumers also have the right to clear and accurate information regarding the terms and obligations of credit, which is undermined when false or incomplete data is reported and left uncorrected.

As such, I am requesting that the CFPB immediately investigate this matter and compel TransUnion, Equifax, and Experian to : Delete or correct the inaccurate and unverifiable negative accounts reported since XX/XX/year>. 

Provide documented proof of verification from the original creditors.

Ensure full compliance with the FCRA and TILA moving forward.

I have attached copies of my dispute letters and any related correspondence for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agenciesTransUnion, Equifax, and Experianfor their collective failure to investigate, correct, or delete inaccurate and outdated information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

On or around XX/XX/year>, I submitted written disputes to each of these agencies regarding multiple accounts that were inaccurately reported on my consumer credit file. As outlined under Section 611 of the FCRA ( 15 U.S. Code 1681i ), the credit bureaus are required to conduct a reasonable investigation of any information disputed by a consumer and report back within 30 days. However, none of these agencies have adequately responded, investigated, or provided sufficient documentation from the original creditors to validate these accounts.

Further, under Section 609 ( a ) ( 1 ) of the FCRA, I requested complete verification and documentation of the accounts in question, including the sources and furnishers of the information. I was not provided with any such documents, nor with a valid method of verification.

The presence of inaccurate and unverifiable negative accounts on my credit reports has caused significant harm, including the denial of credit, higher interest rates, and emotional distress. Under the Truth in Lending Act ( TILA ), consumers also have the right to clear and accurate information regarding the terms and obligations of credit, which is undermined when false or incomplete data is reported and left uncorrected.

As such, I am requesting that the CFPB immediately investigate this matter and compel TransUnion, Equifax, and Experian to : Delete or correct the inaccurate and unverifiable negative accounts reported since XX/XX/year>. 

Provide documented proof of verification from the original creditors.

Ensure full compliance with the FCRA and TILA moving forward.

I have attached copies of my dispute letters and any related correspondence for your reference.

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 2025-04-10 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:
Several credit accounts have been incorrectly reported on my credit file by Experian, even though they do not belong to me. This is not identity theft, but a case of mistaken identity due to a name similarity with my brother. He does not reside in the U.S. and does not have a U.S. Social Security Number. Despite this, accounts opened by him have been attributed to my credit profile and Social Security Number.

In addition to the accounts, the name shown on my credit report is also incorrect. It lists my brothers name instead of my own, which further confirms a serious identity mismatch within Experians system. 

The following actions have been taken : On 03/31/2025, I filed disputes through Experians online portal related to multiple accounts : Five accounts from one bank, including two active credit cards with balances of {$20000.00} and {$6100.00}, and three closed accounts.

One secured credit card from another bank, opened XX/XX/XXXX, closed with a {$0.00} balance. 

Two large loans from a credit union one for {$620000.00} ( opened XX/XX/XXXX ) and a mortgage for {$250000.00} ( opened XX/XX/XXXX ). 

A solar panel loan for {$50000.00} ( opened XX/XX/XXXX ) from a financing company. 

I submitted supporting documents via Experians online system, including loan agreements, property ownership documents, passports, and authorization from the co-signer of the loan. 

These accounts are not appearing on my credit reports with XXXX or XXXX only Experian. I believe the reporting error is specific to Experian and request immediate correction. 

This issue is seriously affecting my credit score and my ability to obtain housing, credit, and basic financial services in the U.S. I am asking that Experian take urgent corrective action to remove the inaccurate accounts and correct the name and identity listed on my report.

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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I entered into an auto loan with XXXX XXXX in XXXX. XXXX and have made all payments accordingly. Beginning XXXX XXXX, they contacted me indicating I didn't make a payment. I have spoken to them several times and even conducted a 3-way call with my bank and then provided a bank statement of payments made from XXXX XXXX thru XX/XX/XXXX. They continue to harass me even after they have received all information from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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