vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
Immediate reinvestigation of the late payment reported by XXXX XXXX ( Account # XXXX ), including a thorough review of all documentation proving that proper notice was provided prior to reporting the late payment. 

If XXXX XXXX can not provide verifiable proof ( such as dated reminder letters, emails, or other communications ) showing that they notified you about the missed payment before reporting it to the credit bureaus, the late payment must be permanently deleted from your credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Provide a corrected and updated credit report reflecting the removal of the inaccurate late payment entry once the deletion is made. 

Send a written confirmation verifying the deletion and the completion of the reinvestigation within 15 business days. 

Assurance that this issue will be handled in a timely and compliant manner to prevent further violations or harm to your credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
There is incorrect information in my report, resulting in negative impacts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have a vital role and have a responsibility to report consumer information to the best of their ability with complete and maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand this payment be updated to paid as agreed as it should have never been reflected as late.

Please see screenshot attached. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have a vital role and have a responsibility to report consumer information to the best of their ability with complete and maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand this payment be updated to paid as agreed as it should have never been reflected as late.

Please see screenshot attached. Thank you.

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 2025-08-01 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:
Im contacting you regarding an account currently showing on my credit report that is completely inaccurate and not mine. After reviewing my report carefully, I noticed that this account has absolutely no connection to me, and I need it to be corrected immediately. 

From what I can tell, this is a case of mixed or misreported information, and it is now affecting my credit profile in a way that is both unfair and unacceptable. Whether it was reported in error or linked to my file due to a data entry mistake, the bottom line is this : I have no affiliation with this account, I did not open it, and I have no responsibility for it. 

This kind of reporting not only violates the standards of accuracy outlined under the Fair Credit Reporting Act ( FCRA ), but its also actively harming my ability to maintain a healthy financial standing. Under Section 607 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. That standard is clearly not being met here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against { CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX  And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under XXXX XXXX  15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation XXXX 15 U.S.C. 1681i ( a ) ( XXXX ) Failure to forward all submitted documentation to furnishers XXXX 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy XXXX  15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report XXXX  18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXXXXXX XXXX XXXXXXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without XXXX  or consumer notice, XXXX XXXX violations ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( XXXX ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against { CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX  And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under XXXX XXXX  15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation XXXX 15 U.S.C. 1681i ( a ) ( XXXX ) Failure to forward all submitted documentation to furnishers XXXX 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy XXXX  15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report XXXX  18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXXXXXX XXXX XXXXXXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without XXXX  or consumer notice, XXXX XXXX violations ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( XXXX ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : Santander Consumer USA XXXX : Vehicle loan or lease Issue : Debt collection Sub-issue : Took or threatened to take negative action Date this happened : XX/XX/year> Santander Consumer USA accepted my settlement payment but refuses to honor the settlement agreement, then threatened me with " cease and desist '' status for pursuing my rights. 
Here 's exactly what happened : XX/XX/year> : I sent Santander a settlement offer for account * * * * XXXX, offering {$1800.00} to settle the debt in full. My letter clearly stated that if they kept the payment, it meant they accepted the settlement. 
XX/XX/year> : Santander received and deposited my {$1800.00} payment. They applied it to my account. 
XX/XX/year> : After XXXX days of them keeping my money, I sent a notice asking them to confirm the settlement was complete since they kept and used my payment. 
XX/XX/year> : Santander sent me a letter with contradictory statements that violate federal debt collection laws : WHAT THEY ADMITTED IN WRITING : " We received payment of {$1800.00} on XX/XX/year> '' " This payment was applied to the past due balance and brought the account current '' " We respectfully decline your request to return the payment '' " We have placed the account in a Cease-and-Desist status '' WHY THIS VIOLATES FEDERAL LAW : XXXX. CONTRADICTORY CONDUCT : They can't keep my settlement money, apply it to my account, say it brought my account " current, '' but then refuse to honor the settlement terms. That's deceptive. 
XXXX. XXXX : Putting my account in " cease and desist '' status AFTER they accepted and used my settlement payment is harassment under the Fair Debt Collection Practices Act. 
XXXX. UNFAIR PRACTICE : They're getting the benefit of my payment ( account is now " current '' according to them ) but won't give me the benefit of the settlement agreement. 
THE HARM TO ME : They're keeping {$1800.00} of my money without honoring our agreement They're still reporting negative information to credit XXXX even though they said my payment brought the account " current '' They're threatening me for trying to enforce a settlement they already accepted by keeping my money This is damaging my credit and causing me financial stress WHY THEIR POSITION MAKES NO SENSE : If they really didn't accept my settlement, they should return my money. You can't keep someone's settlement payment for over a month, apply it to the account, say it makes the account " current, '' then claim there's no settlement agreement. That's exactly the kind of deceptive debt collection practice federal law prohibits. 
CURRENT STATUS ( XX/XX/year> ) : They've now kept my settlement payment for XXXX days while maintaining this contradictory position that hurts consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XXXX of XXXX, I was approved for a Citi XXXX XXXX credit card. I immediately took out a {$7200.00} Balance Transfer at 0 % interest ( there was a {$210.00} fee for the balance transfer ). Between XX/XX/XXXX and XX/XX/XXXX, I made a total of {$1100.00} worth of regular charges on the credit card ... and on XX/XX/XXXX I paid a {$1000.00} payment on the card, on XX/XX/XXXX I paid another {$100.00}, and on XX/XX/XXXX I paid another {$100.00} on the card. Now, on to the interest charges... In XXXX, I was charged {$14.00} in interest and in XXXX, I was charged {$22.00} in interest. I spoke with the Citi XXXX, and he assured me that my payments were being allocated to the highest XXXX balance first ... but, out of the {$1200.00} payments I have made, at least {$1000.00} has been applied to the 0 % XXXX balance transfer balance. In speaking with the Citi rep tonight ( XX/XX/XXXX ), he advised that my balance transfer balance is just under {$6200.00}.. Started at {$7200.00}, and is now at {$6200.00}. They are applying nearly ALL of my payments to the 0 % XXXX balance transfer balance, and the nearly {$1200.00} worth of purchases is just continuing to accrue interest, even though I am paying far more than the minumum payment.

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 2025-08-01 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: MD

Complaint narrative:
I am filing this complaint because Experian continues to inaccurately report one of my accounts as Closed. {$690.00} written off, despite the fact that I have fully paid this debt and have submitted proper documentation proving this. I have disputed this multiple times directly with Experian, providing confirmation of payment, yet they continue to report the account as charged off with a balance written off, which is misleading and damaging to my credit profile. 

This account should be updated to reflect a {$0.00} balance and show as paid in full. The current reporting creates the false impression that I defaulted without resolving the account, which is not true. The continued refusal by Experian to update the account accuratelydespite receiving all required proofviolates the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit bureaus to maintain accurate and up-to-date information.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to report a fraudulent account listed on my credit file. This account is not associated with me, and I did not authorize any activity related to it. I believe this is the result of either identity theft or a reporting error.

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 2025-08-01 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 am filing this complaint due to the failure of the credit reporting agencies Experian, TransUnion, and Equifax to comply with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy, verification, and timely removal of disputed information. 

Despite submitting formal disputes directly to the credit bureaus, the following issues remain unresolved : 1. Unauthorized Hard Inquiries ( Experian ) : Over 10 inquiries were made on my credit file without my authorization or a permissible purpose under FCRA 604. These include entries from XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX, among others. 


XXXX. Charge-Offs and Inaccurate Accounts : XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  ) were reported as charge-offs but have not been properly validated, and the history shows conflicting data between bureaus. 

XXXX XXXX XXXX reports a charge-off with incorrect balances and delinquency dates ( Equifax ) XXXX 

XXXX XXXX account reflects repeated inaccurate 3060-day late payments and inconsistent balance reporting. 



XXXX. Paid Collection Still Reporting Negatively ( Experian ) : XXXX XXXX XXXX ( XXXX ) : Although this collection was paid in full, Experian continues to report it negatively, violating FCRA 1681c ( a ) ( 4 ). 



XXXX. Failure to Investigate Properly : The bureaus failed to provide documented verification or delete unverifiable entries within the required 30-day window under FCRA 611 ( a ) ( 1 ) ( A ).

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 2025-08-01 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of XXXX  and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - XXXX XXXX. XXXX Failure to conduct a reasonable reinvestigation - XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to forward all submitted documentation to furnishers - XXXX XXXX. XXXX ( b ) Failure to maintain maximum possible accuracy - XXXX XXXX. XXXX Failure to block fraudulent accounts upon identity theft report - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA XXXX ), XXXX XXXX XXXX, Failure to conduct reasonable reinvestigation ( FCRA XXXX ), Failure to maintain accuracy ( FCRA XXXX ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX XXXX XXXX ( codes XX/XX/XXXX ), FCRA XXXX and XXXX ( a ) ( XXXX ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case.

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