vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Fair Collections & Outsourcing , Inc. ( FCO ) for inaccurate and misleading credit reporting. 

Background On XX/XX/year>, XXXX issued me a settlement confirmation letter ( attached ). 

The letter clearly states : This account has been settled. The current account balance is {$0.00}. 

If any credit bureau was notified of this account they will be advised to update the account as settled. 

Despite this, both TransUnion and Experian continue to report the XXXX collection as a derogatory account. 

Equifax does not report this collection at all. 

Violations Under FCRA 1681s-2 ( b ), furnishers must ensure accurate and complete reporting and must correct or delete information once it is resolved. 

FCO has confirmed in writing that the account was settled with a {$0.00} balance, yet it continues to be reported derogatory, misleading lenders and harming my creditworthiness. 

Harm This inaccurate reporting is lowering my credit scores and has directly impacted my ability to qualify for a mortgage, forcing me to continue renting at financial loss. 

Requested XXXXesolution Require FCO to immediately instruct XXXX  and Experian to delete the tradeline associated with this settled account. 

Provide CFPB with confirmation that FCO has complied with its XX/XX/year> promise to update all credit bureaus. 

Evidence Attached FCOs XX/XX/year> settlement letter. 

Credit reports dated XX/XX/year> ( myFICO XXXX ) showing the FCO account still reporting derogatory on TU/EX but not Equifax. 

Proof of ID, XXXX, and address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * * Subject : Request for Investigation and Removal of Inaccurate Late Payments on XXXX XXXX  XXXXXXXX XXXX XXXX Dear CFPB Representative, I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX XXXX  XXXX. This issue has substantially impacted my credit report, and I believe it violates my rights under * * 15 U.S.C. 1681a * *, which defines consumer rights regarding credit reporting, and * * 15 U.S.C. 1666b * *, which stipulates that creditors must accurately report information regarding account payments. 
Despite fulfilling my payment obligations on time, my credit report inaccurately reflects several late payments for this account. As specified under * * 15 U.S.C. 1681i * *, I have the right to dispute information in my credit report, and the credit reporting agency is required to investigate the items in question. In addition, under * * 15 U.S.C. 1666a * *, consumers are entitled to accurate account information from creditors, which directly relates to the impact of any reported late payments on my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into the inaccurate reporting of late payments regarding my XXXX XXXX XXXX. It is imperative that these erroneous entries be corrected and removed from my credit report to ensure compliance with federal laws that protect consumers from unfair and inaccurate credit reporting practices. 
I am ready to provide all necessary documentation, including payment history, correspondence with XXXX XXXXl, and any additional materials that will assist in resolving this matter swiftly. The removal of these late payment entries is not only justified but necessary to uphold the integrity of my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and a resolution that ensures my rights as a consumer are protected. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CIG FINANCIAL LLC
State: WA

Complaint narrative:
I contacted XXXX of XXXX regarding a used vehicle at their location. Upon contacting them about the vehicle, I spoke with XXXX XXXX on XX/XX/year>. I had asked XXXX to send information on the vehicle, including pictures so I could see it before arranging my onsite arrival to see it in person. After explaining this would be a business purchase, XXXX asked me to complete a sales agreement and a personal loan application, to hold the vehicle so I could come view the vehicle at XXXX of XXXX. Seeing this as odd to have to complete an application and sales agreement just to look at the vehicle, I documented in my response via email, that XXXX of XXXX is not authorized to run a hard credit inquiry. After going back and forth with phone calls, emails, and text messages, XXXX told me he had never heard of someone buying a vehicle/obtaining a loan, with running their credit. Knowing this to be true, I agreed with XXXX that I had never known anyone to finance a vehicle without getting their credit pulled and I mentioned again that I only wanted to view the vehicle, not buy it, without seeing the vehicle in person. I wrote a new message to XXXX, explaining the situation, again. I have all documentation on this exchange. XXXX of XXXX then proceeded to run my credit with several other agencies, all of which reported to my credit. This is after explicitly telling them that they were not allowed to run my credit. I just wanted to look at the vehicle! After calling to speak with a manager, the call was answered and screened by XXXX, who explained there was no manager available. I've tried calling several times to request an explanation or proof that I authorized them to run my credit, and also ask that they remove their forged credit inquiries from all credit bureaus. They won't even answer my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently made all payments on time, and any reporting discrepancies are both unjust and unlawful.

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 2025-09-23 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I hired Lexington Law on XXXX separate occasions to assist with credit repair. I was informed that services would begin immediately, prior to my first scheduled payment, which was set for XXXX  days after enrollment. Contrary to what I was told, no work was initiated until after my payment was processed. 

Furthermore, during the time I was a client, no meaningful progress was made on my behalf. There were no efforts to negotiate or consolidate debts with creditors, and no action was taken to remove accounts from my credit report that were more than XXXX years old and should have been eligible for removal. In short, the services promised were never completed, and I did not receive the results I was led to expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from TransUnion regarding a security breach in which my SSN and date of birth were leaked. They offered enrollment in XXXX to monitor my credit files, but my enrollment has never succeeded and always ends with an error code. After a long wait on the phone, I spoke with support, but they were unable to resolve the issue and simply told me to try again the next day. It failed again the following day. 

TransUnion appears incompetent in securing individuals financial information, and a company with such poor handling of critical data should not be allowed to provide these essential services.

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 2025-09-23 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-23 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Equifax, Experian, TransUnion, and lesser known credit bureaus like XXXX and XXXX, are reporting inaccurate personal information and accounts that are not mine on my personal credit profile. I've contacted them about these errors many times. Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have gone through their dispute, investigation, and verification process multiple times. Only to get generic responses like " this item has been verified '' or " we find this dispute to be frivolous ''. It is clear that no actual investigation has been conducted. It's my understanding they are all involved in lawsuits over this exact issue. At the moment I am not a part of any litigation. But, I am strongly considering seeking legal remedies unless they correct these errors. 

Had any real investigation been conducted, they would have easily found the accounts in question to be fraudulent. As an example, XXXX account being reported was opened using an address that doesn't exist with a variation of my name I've never used. An actual investigation would have uncovered this. 

Furthermore, all the accounts in question were opened in a small timeframe, between XX/XX/XXXX and XX/XX/XXXX. It should also be noted that I didn't live in the state when and where the accounts were opened, nor did I reside at the addresses the accounts are reporting. 

Also, there were no payments made on any of the accounts in question after being opened. In comparison, all of my valid accounts have a perfect payment history. This includes my rental payments being reported. 

It should also be noted that not all of the accounts in question were/are negative. There are some that are positive accounts that just aren't mine or that i'm not associated with anymore.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Equifax, Experian, TransUnion, and lesser known credit bureaus like XXXX and XXXX, are reporting inaccurate personal information and accounts that are not mine on my personal credit profile. I've contacted them about these errors many times. Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have gone through their dispute, investigation, and verification process multiple times. Only to get generic responses like " this item has been verified '' or " we find this dispute to be frivolous ''. It is clear that no actual investigation has been conducted. It's my understanding they are all involved in lawsuits over this exact issue. At the moment I am not a part of any litigation. But, I am strongly considering seeking legal remedies unless they correct these errors. 

Had any real investigation been conducted, they would have easily found the accounts in question to be fraudulent. As an example, XXXX account being reported was opened using an address that doesn't exist with a variation of my name I've never used. An actual investigation would have uncovered this. 

Furthermore, all the accounts in question were opened in a small timeframe, between XX/XX/XXXX and XX/XX/XXXX. It should also be noted that I didn't live in the state when and where the accounts were opened, nor did I reside at the addresses the accounts are reporting. 

Also, there were no payments made on any of the accounts in question after being opened. In comparison, all of my valid accounts have a perfect payment history. This includes my rental payments being reported. 

It should also be noted that not all of the accounts in question were/are negative. There are some that are positive accounts that just aren't mine or that i'm not associated with anymore.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complaint is regarding the inaccurate and unverifiable reporting of an account by CAPITAL ONE BANK USA on my credit reports from XXXX  and XXXX. The account is being reported as a " Charge-off '' with a balance of {$3200.00} and account number ending in XXXX. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnisher of information to a consumer reporting agency must not report information they know or consciously avoid knowing is inaccurate. I dispute the validity and accuracy of this charge-off. The debt is incomplete, unverifiable, and I am not legally obligated to pay it. The reporting of this item is a direct violation of FCRA 605 ( a ) ( 1 ), as it is outdated and must be permanently deleted. 
I demand an immediate investigation and the permanent deletion of this inaccurate charge-off from my credit reports. Failure to comply with this request will be considered a willful violation of the FCRA, and I will be prepared to escalate this matter legally. 

Ive already disputed this with credit bureaus and it has not been rectified. 

Permanent deletion of the inaccurate and unverifiable account from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX FL 2 - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a XXXX XXXX XXXX 's check into my Bank of America Account. 
The check was made payable to a trust. I am the trustee of said trust. Therefore, I endorsed the check to me in my capacity as trustee. 

Bank of America reversed the deposit because the check was not payable to me. 

I have uploaded the court order, thereby establishing me as the trustee.

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 2025-09-23 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:
This letter serves as my formal request to investigate and remove accounts on my credit report that I believe were created through fraudulent means. Attached are materials to assist your review.

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