vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$5700.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$2600.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XXXX- Balance {$6500.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$4900.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$6200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I called Santander to get my HELOC payment due XX/XX/XXXX as it did not appear on the app. I was told it was {$770.00} and that I could go ahead and make a payment. On the same day, XX/XX/XXXX, I paid {$850.00}. As of today, XXXX, that amount is still pending as an unapplied payment and I am accruing interest on a principal balance that should have decreased with my payment on 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 2025-09-03 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:
It fails to capture the essence of my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
There is a hard inquiry on my account through XXXX  on XXXX for light stream. I did not make this inquiry

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 2025-09-03 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: GA

Complaint narrative:
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 XXXXI am writing to formally dispute certain inaccuracies in my credit report regarding my XXXX XXXX XXXX  account referenced above. After reviewing my credit report, I noticed several discrepancies that I believe require your immediate attentionXXXX XXXX. Charge -Off Status: The report indicates that my account was charged off in XXXX XXXX As of this date, I have not received any prior notice or communication regarding this status. I would like to request documentation this charge-off and any attempts made to notify me XXXX XXXX  . Payment History: The payment history reflects that my account was XXXX  days past due as of XXXX XXXX, which is not accurate. I believe there may be errors in the reporting of my payment history during previous months. Specifically, I request a detailed breakdown of the payment history to clarify these discrepanciesXXXX Balance and Past Due Amount : The current balance listed as $XXXX  and the past due amount are concerning . I would like to verify these amounts and request any fees or charges applied. XXXX accordance with the Fair Credit Reporting Act, I am requesting that you investigate these inaccuracies and provide me with the results of your investigation. Please provide me with a written response within 30 days as required by las XXXXThank you for your prompt attention to this matter. I look forward to your response. \n\nSincerely, \nEddie Buchanan'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
the accuracy of the following item appearing on my credit report : XXXX XXXX XXXX {$10000.00} Closed XXXXXXXX XXXX {$870.00} Closed Both accounts are marked Closed, yet they are showing an outstanding balance. This is factually inaccurate and misleading. Once an account is closed, the balance should be reported as {$0.00}, unless legally verified otherwise. 

Under my rights provided by the Fair Credit Reporting Act ( FCRA ) Sections 605 ( b ), 609, and 611, I demand that these accounts be updated to reflect a {$0.00} balance or be removed entirely if they can not be verified as accurate.

Please complete a reinvestigation and provide me with written confirmation of the results within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
According to USC 1681g, these inaccurate records must be removed from my file within 15 days.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I've observed a collection entry from your agency that I was never previously informed about, and I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt, and I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2025-09-03 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: GA

Complaint narrative:
I can still see inaccurate accounts appearing on my credit report, and they have not been deleted as they should have been. For this reason, I am requesting that the documents I submitted be carefully reviewed so that I will no longer have to deal with this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I noticed that incorrect accounts remain on my credit report, and they were not taken off. Due to this ongoing issue, I am requesting a careful review of the attached documents so I can finally stop worrying about it.

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 2025-09-03 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: GA

Complaint narrative:
I am beyond upset to see that the inaccurate late payments are still showing on my credit report today. They should have been removed by now, but they havent. I need this corrected without delay, and Im asking that my documents be reviewed properly so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that is being reported on my credit file. I never consented to, initiated, or acknowledged this account, and it does not belong to me. Its reporting is false, misleading, and damaging to my overall credit profile.

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 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
At the beginning of the year I made a dispute with XXXX for an excessive charge that XXXXXXXX XXXX XXXXXXXX made me for an emergency service on XX/XX/year> which I immediately disputed because I went to the emergency room for a viral illness and did not receive medical attention or medicine and I was more than XXXX hours in the waiting room with many other sick people and then told me that the illness was viral and that I only needed rest and any over-the-counter medicine at the pharmacy, which I considered mistreatment by making me wait so long in a waiting room where I could get infected from the other sick people, days later I received a collection notice of {$430.00} and I called the hospital where they informed me that I should dispute it with XXXX and so I did, they informed me that in 60 days I would receive the resolution of the dispute but I never received it, a few weeks ago I received the call from Medicredit to collect the debt and I told them that I had disputed it so I called XXXX again and they say that the dispute was rejected and I was not informed to appeal because I do not agree to pay for a service that I did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint is being filed to address the reporting of a fraudulent account on my credit record. I never opened or authorized this account, and I have no connection to it. Its presence is inaccurate and is causing undue harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I transferred {$190.00} from my Chase Checking Account to my XXXX Account. On the morning of XXXX the money was NOT transferred to my XXXX Account, thus I filed a complaint with Chase XXXX XXXX and received a complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Pay pal account was scammed. I did several phone calls to report these fraudulent transactions. Pay pal assume these are fraudulent and working on those. But they made a mistake they tried to demonstrate that my XXXX balance is a proof of their fixing. they mentioned i do not need to pay any balance.

Transactions were initiated thru Pay pal but ended on XXXX. Those transactions charged to my XXXX XXXX bank account. Instead of being refunded by XXXX and the result is a XXXX balance, but the money ended in the chase bank statement. 
XXXX issued a credit but then in XXXX they reversed and denied, they can not solve this issue because the origin is on XXXX. 

Scammers logged into my account and used my XXXX XXXX  to complete these purchases. Pay pal security is weak and allow the scammers to do several times including when these were reported and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AR

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 non-monetary relief
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
Notice of Escalation This is not a duplicate complaint. This is a direct rebuttal to your XX/XX/XXXX letter, which failed to provide strict proof of compliance with federal consumer protection statutes. XXXX response was conclusory and omitted legally required documentation. 

I. FCRA Violations ( 15 U.S.C. 1681s-2 ) Failure to Provide Proof of 30/60-Day Notices No evidence produced ; mere claim of emails sent is insufficient.

Incomplete/ Misleading Reporting Jumping directly to a 90-day delinquency without prior 30/60 days violates Metro 2 standards and misleads CRAs.

Failure to Conduct Reasonable Investigation Your response lacked supporting documents or system records. 

Furnishing Known Inaccuracies By reporting data without validation, XXXX knowingly furnished unverifiable information. 

Remedy under FCRA : {$1000.00} per violation = {$4000.00} + actual and punitive damages.

II. TILA Violations ( 15 U.S.C. 1601 et seq. ) Failure to Provide Accurate Billing Disclosures No clear documentation of delinquency notifications. 

Failure to Provide Proper Servicing Transfer Disclosures No evidence Great Lakes XXXX transfer was communicated properly to borrower. 

Remedy under TILA : {$5000.00} per violation = {$10000.00}. 

III. GrammLeachBliley Act ( 15 U.S.C. 6801-6809 ) Nelnets reliance on vendors and third parties without proof of strict safeguards constitutes a failure to demonstrate compliance with GLBA privacy and security requirements.

Remedy under GLBA : up to {$100000.00} per violation.

IV. Privacy Act of 1974 ( 5 U.S.C. 552a ) Nelnet mishandled borrower data while claiming it can not delete or alter records without ED approval. This contradiction highlights noncompliance.

Remedy under Privacy Act : {$1000.00} minimum per violation + actual damages.

V. FDCPA Violations ( 15 U.S.C. 1692k ) By attempting to collect on disputed debt without proper validation, XXXX acted in violation of FDCPA standards. 

Remedy under FDCPA : {$1000.00} statutory maximum. 

Total Damages Demand FCRA : $ XXXX TILA : {$10000.00} GLBA : {$100000.00} Privacy Act : {$1000.00} FDCPA : {$1000.00} Total = {$110000.00} minimum + punitive and actual damages ( credit harm, emotional distress, time wasted disputing ). 

Remedy to Cure Immediate deletion of all XXXX derogatory trade lines from XXXX XXXX, and TransUnion. 

Written confirmation of compliance with Metro 2 standards and all federal statutes. 

Payment of {$110000.00} minimum in damages, or a negotiated settlement amount, within 30 days. 

Failure to comply will result in continued escalation through CFPB, FTC, XXXX XXXX XXXX, and federal civil litigation. 

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 non-monetary relief
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I received a billing statement in the mail from Indigo, regarding an account that I had never opened. It was for {$81.00}, ~ {$75.00} to open the account, the rest in interest. After calling on XX/XX/XXXX, they told me they were going to send some sort of packet so I could fill it out and close the account. I received yet another billing statement, but no packet. Today, I called and asked why that was. I was told that the previous representative had taken my information and made notes in the account about everything I had said, but not reported the issue or sent out the packet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXXI am writing to formally dispute certain inaccuracies in my credit report regarding my XXXX XXXX XXXX  account referenced above. After reviewing my credit report, I noticed several discrepancies that I believe require your immediate attentionXXXX XXXX. Charge -Off Status: The report indicates that my account was charged off in XXXX XXXX As of this date, I have not received any prior notice or communication regarding this status. I would like to request documentation this charge-off and any attempts made to notify me XXXX XXXX  . Payment History: The payment history reflects that my account was XXXX  days past due as of XXXX XXXX, which is not accurate. I believe there may be errors in the reporting of my payment history during previous months. Specifically, I request a detailed breakdown of the payment history to clarify these discrepanciesXXXX Balance and Past Due Amount : The current balance listed as $XXXX  and the past due amount are concerning . I would like to verify these amounts and request any fees or charges applied. XXXX accordance with the Fair Credit Reporting Act, I am requesting that you investigate these inaccuracies and provide me with the results of your investigation. Please provide me with a written response within 30 days as required by las XXXXThank you for your prompt attention to this matter. I look forward to your response. \n\nSincerely, \nEddie Buchanan'

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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: SERVICEMAC, LLC
State: CO

Complaint narrative:
This is a continuation with what I reported previously : Complaint ID : XXXX ServiceMac stole money and has not provided any support or service. ServiceMac is full of scam and fraud. ServiceMac is absent with diversity, equity, inclusion. ServiceMac is full of automated errors and responds with automations without being able to speak to a real person. Customer support does not speak clearly and does not provide support.

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 2025-09-03 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: PA

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 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