vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
SOMEONE STOLE MY IDENTITY & MADE A FAKE ACCOUNT THAT IS NOT MINE. 
I DID NOT AUTHORIZE THIS ACCOUNT " XXXX XXXX XXXX ''. PLEASE DELETE THIS COLLECTION FROM MY CREDIT REPORT ASAP. 

THANK YOU SO MUCH. 

15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a second dispute regarding the Santander account reported by TransUnion, Experian, and Equifax. This account is being reported inconsistently and inaccurately across the three credit bureaus, in clear violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

Here are the discrepancies : High Balance TransUnion : {$23000.00} Experian : {$23000.00} Equifax : {$26000.00} Equifax reports a higher balance that does not match the other bureaus. 
Date of Last Activity TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX All three report different dates, which is materially inaccurate. 
Date Reported TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Different reporting dates across the bureaus, not consistent. 
Date Opened TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX TransUnion reports a different open date. 
Closed Date TransUnion : XX/XX/XXXX Experian : -- ( no closed date reported ) Equifax : -- ( no closed date reported ) Inconsistent reporting ; TransUnion reports closure, others do not. 
Creditor Type TransUnion : Auto Financing Experian : Personal Loan Companies Equifax : Auto Financing Experian reports an incorrect creditor type compared to the other two.

Creditor Remarks TransUnion : Charged off as bad debt / Profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due. 
Equifax : Charged off account / Auto / Unpaid balance reported as a loss All three show different remarks ; this is not consistent or accurate. 
Last Payment TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Each bureau shows a different last payment date, which is factually impossible. 
These discrepancies prove that the account is not being reported accurately, fairly, or consistently as required under : FCRA 1681e ( b ) CRAs must assure maximum possible accuracy.

FCRA 1681i If an account can not be verified, it must be corrected or deleted.

FCRA 1681s-2 Data furnishers must report information accurately and correct errors. 
This is my second dispute. The credit bureaus and the furnisher have already failed to correct these inaccuracies after my first dispute, which is a violation of their legal obligations. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a second dispute regarding the Santander account reported by TransUnion, Experian, and Equifax. This account is being reported inconsistently and inaccurately across the three credit bureaus, in clear violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

Here are the discrepancies : High Balance TransUnion : {$23000.00} Experian : {$23000.00} Equifax : {$26000.00} Equifax reports a higher balance that does not match the other bureaus. 
Date of Last Activity TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX All three report different dates, which is materially inaccurate. 
Date Reported TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Different reporting dates across the bureaus, not consistent. 
Date Opened TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX TransUnion reports a different open date. 
Closed Date TransUnion : XX/XX/XXXX Experian : -- ( no closed date reported ) Equifax : -- ( no closed date reported ) Inconsistent reporting ; TransUnion reports closure, others do not. 
Creditor Type TransUnion : Auto Financing Experian : Personal Loan Companies Equifax : Auto Financing Experian reports an incorrect creditor type compared to the other two.

Creditor Remarks TransUnion : Charged off as bad debt / Profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due. 
Equifax : Charged off account / Auto / Unpaid balance reported as a loss All three show different remarks ; this is not consistent or accurate. 
Last Payment TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Each bureau shows a different last payment date, which is factually impossible. 
These discrepancies prove that the account is not being reported accurately, fairly, or consistently as required under : FCRA 1681e ( b ) CRAs must assure maximum possible accuracy.

FCRA 1681i If an account can not be verified, it must be corrected or deleted.

FCRA 1681s-2 Data furnishers must report information accurately and correct errors. 
This is my second dispute. The credit bureaus and the furnisher have already failed to correct these inaccuracies after my first dispute, which is a violation of their legal obligations. 

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 non-monetary relief
Consumer complaint received 2025-08-16 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank ( XXXX ) continues to furnish inaccurate and obsolete information to XX/XX/XXXXregarding a purported {$440.00} charge-off account. Despite over 20 disputes since XXXX, XX/XX/XXXXcontinues to report this tradeline as charged-off through XX/XX/XXXX. 

This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known ( or that should be known ) to be inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of information found to be inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681c ( a ) ( 4 ) & ( 5 ) : Limits reporting of adverse information ( charge-offs, delinquencies ) beyond 7 years.

15 U.S.C. 1681n & 1681o : Establish civil liability for willful and negligent noncompliance.

Each reinsertion/update after notice of dispute constitutes a new violation. Synchronys repeated furnishing, and XX/XX/XXXXrepeated verification without meaningful reinvestigation, are systemic FCRA violations that cause continuing harm.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, and Experian continue to report an account listed as XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX as a charge off but this is incorrect. Any account where the creditor terminates the consumer credit account any remaining balance from the finance charge must be returned to the consumer. XXXX XXXX also wrote this account off as a loss which means they had to file a 1099 with the IRS so this account is considered income and income can not be reported on a consumer report. I will give the credit bureaus an opportunity to delete this trade line before I escalate the matter to small claims court.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my Equifax credit report without proper validation. 
I requested validation but the company never provided the original contract, payment history, or proof of ownership of the debt. 

XXXX and XXXX already deleted this account because it was not validated. XXXX is the only bureau where it is still reported. 

The account also shows contradictory dates ( last payment XX/XX/XXXX vs. date opened XX/XX/XXXX ), which proves the reporting is inaccurate. 

I request the immediate removal of this account from XXXX  and that Portfolio Recovery stop reporting or collecting until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase has a 2nd chance ad stating people can open an account without a credit check, no chexsystem verification, no minimum deposit, etc. I decided for the 2nd time to open an account with them under these terms and I received a denial letter. I consider this false advertisement as they still declined my application to open am account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: TX

Complaint narrative:
I noticed a debt on my credit report dated XX/XX/year>, amount {$52000.00} That I seen on my XXXX  account when I checked my credit report, Im unaware of this debt I didn't have a opportunity to dispute this information if in fact you gave me proper notification then please send me the certified receipt with my name on it and signature.I also need the method of validation.I need emails and phone numbers and addresses of side company.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I got help around XXXX time from XXXX XXXX to pay my mortgage I was on unemployment they put a lien against my house but were paying peoples rents free and clear and it wasnt not made clear to me they were doing it I assumed it was money I didnt have to pay back I want proof of something I signed saying it was a lien. And if they can do this homeowners how are they getting their money back from renters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VT

Complaint narrative:
I have been in forbearance since last XXXX on XXXX. I sent in multiple applications to switch to XXXX as I am on the XXXX  track with about XXXX  years left on XXXX loan, and XXXX years on grad loans. They eventually messaged saying I was being switched to an IDR plan and this would start on XX/XX/year>. This was on XX/XX/year>. I received that message after submitting applications to change on XX/XX/XXXX and and XX/XX/XXXX. When I noticed nothing had shifted in my account in early XXXX, I double checked and it says that my application is processing still and has been since XXXX, and I still on XXXX forbearance. I submitted XXXX more applications to change payment plans in XXXX and I have only received processing delay messages. The wait times are so long I gave up trying to talk with someone as I cant reasonably for it into my schedule. I just want to change my plans and it seems impossible.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-16 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 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:
On XX/XX/year>, I visited a XXXX dealership in XXXX, XXXX. A representative asked for my information and specifically told me they would perform a " soft check '' on my credit. At no point did they inform me that a hard inquiry would be conducted, which would impact my credit score. I provided my information under the understanding that this would only be a soft pull, which does not affect credit scores or appear as an inquiry to other lenders. 

I never gave informed consent for a hard credit inquiry. The dealership 's misrepresentation of the type of credit check they intended to perform constitutes deceptive practice and violates my rights under the Fair Credit Reporting Act. This unauthorized hard inquiry must be removed immediately, as I was deliberately misled about the nature of the credit check being performed. I did not provide informed consent for a hard inquiry, and the dealership used deceptive practices by misrepresenting a hard pull as a " soft check. ''

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 2025-08-16 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: FL

Complaint narrative:
On XX/XX/year>, I visited a XXXX dealership in XXXX, XXXX. A representative asked for my information and specifically told me they would perform a " soft check '' on my credit. At no point did they inform me that a hard inquiry would be conducted, which would impact my credit score. I provided my information under the understanding that this would only be a soft pull, which does not affect credit scores or appear as an inquiry to other lenders. 

I never gave informed consent for a hard credit inquiry. The dealership 's misrepresentation of the type of credit check they intended to perform constitutes deceptive practice and violates my rights under the Fair Credit Reporting Act. This unauthorized hard inquiry must be removed immediately, as I was deliberately misled about the nature of the credit check being performed. I did not provide informed consent for a hard inquiry, and the dealership used deceptive practices by misrepresenting a hard pull as a " soft check. ''

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 2025-08-16 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: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN EQUIFAX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. 
As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN EQUIFAX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. 
As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

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