vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
Dear Experian, I am disputing the following information that has been reported on my credit report. I believe some of these items are either inaccurate, incomplete, or unverifiable. Please investigate each of the items below. If any of these items can not be verified, I respectfully request that they be removed from my credit report per the guidelines of the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$57.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$120.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$600.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4600.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$6100.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$9600.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4600.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$7600.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 am submitting this dispute statement for my credit report with TransUnion regarding the following charged-off accounts, inquiries, positive accounts, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified according to the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX  - Account Number : XXXX , Date Open : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$5500.00} XXXX  XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$6500.00} Inquiries : XXXX XXXX - Date Open : XX/XX/XXXX XXXX  - Date Open : XX/XX/XXXX XXXX  - Date Open : XX/XX/XXXX XXXX XXXX - Date Open : XX/XX/XXXX Late Payment Accounts : XXXX XXXX  - Account Number : XXXX DPT EDXXXX - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX  XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX  XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NC

Complaint narrative:
Multiple disputes submitted through credit reporting agencies regarding discrepancies reporting on my credit files. I have obtained multiple copies of my credit reports from the major credit bureaus, and Discover Financial Services continues to report inaccurate, unverifiable, and potentially fraudulent information. On XX/XX/year> a written request was sent to Discover Financial Services requesting 1. Full verification of the account in question, including but not limited to a signed contract or application bearing my wet signature.

2. A complete investigation into the reported account to confirm its accuracy and legitimacy.

3. Immediate correction or deletion of any inaccurate, incomplete, or unverifiable information, in accordance with FCRA Section 611 [ 15 U.S.C. 1681i ]. response sent back to me by Discover Financial Services was copies of statements and a request to send them back in return my account number last four digits of my social security number and the dates of statements that i am requesting which were already sent to me. Nothing regarding the multiple previous requests for language mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), instructing you to immediately cease all communication and collection activity regarding any alleged debt you claim I owe.

I do not acknowledge this debt, nor have you provided any verifiable proof that it belongs to me. Your continued collection attempts and reporting actions are causing unwarranted harm to my credit profile and peace of mind. As you are well aware, once a consumer issues a written cease and desist notice, you are legally required to stop all forms of contact, including phone calls, letters, and any other method of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I spoke with TRANSWORLD SYSTEMS INC on the phone at the number XXXX about a issue I had with my credit score/report of them putting the wrong information on my credit score ( Lender Name TRANSWORLD SYSTEMS INC . Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone Number XXXX ) The company told me to file a dispute and send it to the email they provided they provided me with 2 different emails and I sent a dispute to both emails I waited on the phone with the company until I was told they received the dispute and they will remove it from my report and correct any errors I than told the company ThankYou and have a great day its annoying because I sent in 2 different disputes and this is the 2nd dispute the first dispute they did not respond to and I requested for them to keep me updated and to respond the date of the first dispute was XX/XX/year> and the 2nd dispute was XX/XX/year> this is a ongoing issue that they refuse to correct The company is reporting wrong dates on my credit file and refuses to correct it. They told me to contact XXXX, even though THEY are the furnisher reporting the account. I disputed by email 3 weeks ago and got no update. When I called today XX/XX/year> this is what they told me above they no longer work with XXXX and can not do anything about it to contact XXXX communications instead of them and I told them that they are the reporting company reporting it on my credit score under theyre company and name and they said they can not do anything for me at all because they dont work with XXXX anymore but even though they bought it from XXXX  and refuse to fix the issue its getting out of hand they put the wrong information on my credit report and refuse to fix it and even communicate with me the date I opened my XXXX  communications account was XX/XX/year> and my account was closed XX/XX/year> due to me closing my account with XXXX  and finding a better WiFi company they refuse to fix the correct dates and information on my account and Im also trying to notify XXXX, XXXX, and XXXX  of it but its hard to contact these companies and send disputes with them as well Im asking that you please intervene and help me the best you can because its so hard dealing with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
This complaint relates to my prior CFPB case # XXXX involving Santander XXXX  USA and the misrouted GAP refund from XXXX XXXX and XXXX XXXX  . 

Although the GAP refund was eventually received and applied to my account, Santander has continued to assess late fees and show my account as past due for the months when the refund delay occurred. The refund delay was caused entirely by the dealership and GAP administrator, not by any missed payments or fault on my part. 

As of XX/XX/year>, Santanders account portal shows a past-due amount of {$1400.00} and an additional {$35.00} in fees, even though these penalties arose only because of the refund routing issue. Santander acknowledged in previous CFPB correspondence that the refund delay was outside my control, yet still refused to remove the associated delinquency status or charges.

The account remains active, and I understand that a loan balance is still owed. However, the late fees and delinquency records created during the refund delay period are improper and should be reversed. These charges directly resulted from Santanders partner errors and delays, not borrower neglect.

I requested a corrected payoff statement, reversal of all late fees and interest associated with the refund delay, and written assurance that no negative credit reporting would occur for those months. Santander has not provided a satisfactory correction.

I request that the CFPB require Santander to : 1. Remove all late fees and interest that accrued during the GAP refund delay period ; 2. Update my account to reflect on-time status for that timeframe ; and 3. Confirm in writing that no negative credit reporting will result from this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MO

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 2025-11-05 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: MO

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
In accordance with the Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

4 Total Accounts : Account name : 1 ) XXXX XXXX 2 ) XXXX XXXX has violated my rights. I looked at my credit report and noticed some things are inaccurate, in specific I have 2 late pays 1 one each account that are incorrect.

And according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure, possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681B they are supposed to promptly remove any inaccurate or unverifiable information in general after any reinvestigation under paragraph one of any information disputed by consumer any parts of the information is found to be an accurate or incomplete or can not be verified. The consumer reporting agency shall one promptly delete, the information from the file of the consumer or modify that information based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I scheduled a wire transfer of {$440000.00} on XX/XX/year> from my Ally bank to an investment account at another bank but Ally refused to procced with the wire transfer and blocked my account, after few days I called Ally to restore my online acces but nothing has been done, Kindly look into this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the 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 2025-11-05 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief