vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CBC Companies, Inc.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
This account is being inaccurately reported on my credit file. It is showing as a collection account, but I do not recall ever opening or being associated with 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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to request a formal review and removal of a collection account reported by XXXX XXXX XXXX in light of extraordinary circumstances, consistent communication efforts, and financial hardship that were beyond my control. 

In XXXX, I financed a vehicle through XXXX XXXX XXXX. In XXXX, due to the COVID-19 pandemic, I lost my job and became unable to maintain payments. The vehicle was designated for repossession, but despite my repeated updatesbeginning in XXXX and continuing through XXXX and XXXXSantander did not recover the vehicle. 

During that time, the car remained unrepaired due to lack of funds, and I made multiple documented attempts to communicate with Santander about my situation. In XXXX, I managed to repair the vehicle, but was subsequently involved in a head-on collision caused by a drunk driver. The car was totaled, and my child was in the vehicle as well. Fortunately, my child was unharmed, but I was again out of work and under severe emotional and financial strain. 

Following the accident, Santander issued a * * payoff quote of {$3000.00} * *, which I could not afford. Despite the vehicle being officially totaled in XX/XX/XXXX, the account continued to accrue charges and was not closed until XX/XX/XXXX. 

I believe this collection account does not accurately reflect the context or the efforts I made to resolve the matter. I proactively communicated my updated address, disclosed my financial hardship, and acted in good faith throughout this period. 

Given these circumstances, I respectfully request the removal of this account from my credit report. I am working diligently to rebuild my credit and financial foundation, and this entry is disproportionately impeding that progress.

Thank you for your time, understanding, and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: VA

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 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 2025-07-10 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: VA

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 non-monetary relief
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Describe what happened : I am a victim of identity theft. My personal information was used without my consent to submit numerous fraudulent credit applications, resulting in unauthorized hard inquiries on my Experian credit report. I did not apply for credit with any of the following companies, nor did I authorize them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) : 1681b prohibits access to a credit report without a permissible purpose 1681c-2 requires consumer reporting agencies to block or remove information resulting from identity theft, including inquiries Despite submitting a valid FTC Identity Theft Report, proof of identity, and written disputes, Experian continues to report the following fraudulent hard inquiries, all of which are damaging my credit score and violating my legal rights : | Date | Company Name | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | XXXX XXXX | | XX/XX/XXXX | XXXX XXXX XXXX  XXXX XXXX XXXX  | | XX/XX/XXXX | XXXX XXXX XXXX  | | XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX | | XX/XX/XXXX | XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX  / XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXXXXXX | | XX/XX/XXXX | XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX | | XX/XX/XXXX | XXXX  | | XX/XX/XXXX | XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX | | XX/XX/XXXX | XXXX  XXXX | | XX/XX/XXXX | XXXX XXXX XXXX XXXX | | XX/XX/XXXX | XXXX, XXXX | | XX/XX/XXXX | XXXX, XXXX | | XX/XX/XXXX | XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX  | | XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX  | | XX/XX/XXXX | XXXX XXXX XXXX | XX/XX/XXXX | XXXX XXXX | | XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | | XX/XX/XXXX | XXXX  XXXX XXXX  | | XX/XX/XXXX | XXXX | | XX/XX/XXXX | XXXX  XXXX  / XXXX  | | XX/XX/XXXX | XXXX XXXX XXXX | | XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Experian XXXX | | XX/XX/XXXX | XXXX  | | XX/XX/XXXX | XXXX  ( via XXXX ) | These inquiries were made without my knowledge or consent, and I received no prior contact or documentation from most of these companies. Some are clearly part of mass credit shopping or bundling during unauthorized auto loan applications, which I did not initiate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This is a formal second-round identity theft dispute under FCRA 605B . On XX/XX/XXXX, I submitted a full identity theft package, including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a full copy of my credit report showing multiple fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These inquiries were not authorized by me, and I never initiated or approved any such transactions. As required under FCRA 605B ( c ) ( 1 ), the credit reporting agency had 4 business days to block these fraudulent entries upon receipt of my dispute and documents. It has now been 25 days since my original submission, and these items remain on my report. I have not received any written update or confirmation, which is a clear violation of my rights under 605B, 611 ( a ), and 607 ( a ). I am demanding immediate compliance. Your failure to act within the lawful timeframe is unacceptable and constitutes regulatory noncompliance. Further disregard for federal law will result in legal escalation.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/year>, requesting reinvestigation and deletion of inaccurate, outdated, and unverifiable information on my credit report under FCRA 609 ( a ), 611 ( a ), and 623.

Despite detailing the violations, Equifax has failed to correct the errors. I continue to suffer harm due to the inaccurate information, including : Incorrect Personal Information : Name variations like 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 Three 30-day lates with no documentation ( FCRA 609 ) I requested a reinvestigation and written response within 30 days. If the data can not be verified, it must be deleted. I have not received sufficient resolution, and Equifax is now in violation of federal law.

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 2025-07-09 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: FL

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/year>, requesting reinvestigation and deletion of inaccurate, outdated, and unverifiable information on my credit report under FCRA 609 ( a ), 611 ( a ), and 623.

Despite detailing the violations, Equifax has failed to correct the errors. I continue to suffer harm due to the inaccurate information, including : Incorrect Personal Information : Name variations like 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 Three 30-day lates with no documentation ( FCRA 609 ) I requested a reinvestigation and written response within 30 days. If the data can not be verified, it must be deleted. I have not received sufficient resolution, and Equifax is now in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
The account in question is being reported incorrectly on my credit report. It appears as a collection, but I have no recollection of ever having this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-09 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: NY

Complaint narrative:
FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION/CHARGE-OFF ACCOUNTS To Whom It May Concern, I am writing to formally dispute the collection/charge-off accounts appearing on my credit report, which are directly tied to the XXXX XXXX XXXX Social Security Number Breach. These accounts are fraudulent, and I demand their immediate removal from all credit reporting agencies. 
The accounts in question are : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2025-07-09 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 2025-07-09 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 non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors in accordance with the fair credit reporting w

hich has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose unless the information on section 1637b was mailed to the consume
r no later than 21 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 non-monetary relief
Consumer complaint received 2025-07-09 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 recently checked my credit report and noticed multiple billing errors in accordance with the fair credit reporting w

hich has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose unless the information on section 1637b was mailed to the consume
r no later than 21 days.

Company response to consumer: Closed with non-monetary relief