vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
There are several accounts being reported on my Experian credit file that do not belong to me. These accounts are inaccurate and fraudulent. I have already submitted disputes directly with Experian, provided an official Identity Theft Report, and included supporting documents such as proof of my identity and address. Despite this, the accounts remain on my file. This ongoing inaccurate reporting is severely damaging my creditworthiness and raising serious concerns about Experians failure to comply with its obligation to report only accurate 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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had XXXX taken from my account and discover only gave me back XXXX saying that I removed the rest myself and I sent them proof that I wasn't able to remove anything for over a month due to a medication error. I want my money back. This was the month of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Improper Reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) TransUnion previously deleted certain collection accounts from my credit file.

These same accounts were later reinserted without any written notice to me within the required XXXX business days, nor was I provided the furnishers certification of accuracy. 
This violates the FCRAs reinsertion procedures. 
XXXX. Failure to Verify/ Provide Documentation ( FCRA 609, 611 ) Neither XXXX XXXX XXXX nor XXXX XXXX XXXX has ever provided original signed contracts, purchase history, or chain of title. 
They continue reporting after investigations that consisted of no actual verification beyond automated data feeds. 
XXXX. Time-Barred Debt ( XXXX Statute of Limitations ) In XXXX XXXX , the statute of limitations on consumer credit debt is 3 years. 
The accounts below stem from first delinquencies in XXXX. Any attempt to collect or report these accounts as collectible violates XXXX  law and constitutes deceptive and unfair reporting. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending XXXX Balance {$1800.00} Opened XX/XX/XXXX Original creditor XXXX XXXX XXXX 
Account ending XXXX Balance {$5300.00} Opened XX/XX/XXXX Original creditor XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Account ending XXXX Balance {$800.00} Opened XX/XX/XXXX Original creditor XXXXXXXX XXXX XXXX XXXX 

Relief Requested : Immediate deletion of these accounts from my TransUnion file, with confirmation they will not be reinserted again without full compliance with the FCRA. 
Confirmation that TransUnion, XXXX XXXX, and XXXX XXXX are prohibited from re-reporting these accounts absent verifiable documentation ( original signed contract, chain of title, full payment history ). 
Investigation by the CFPB into XXXX reinsertion practices and XXXX continued reporting of time-barred and unverifiable accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against SANTANDER CONSUMER USA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

SANTANDER CONSUMER USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
This entry is inaccurate because the reported name does not match my legal name. My correct name is XXXX XXXX XXXX. The listing of " XXXX XXXX XXXX '' is incorrect and must be corrected or removed unless it can be fully verified with proper documentation.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XXXX XXXX XXXX I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX and XXXX XXXXXXXX XXXX XXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am submitting this letter as a formal written dispute regarding inaccurate personal information reported on my Experian, TransUnion and XXXX credit report. These inaccuracies include my name, address. Under federal law, Experian, TransUnion and XXXX is obligated to ensure the accuracy of all information in my credit file and to block unverifiable or inaccurate information. 
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 XXXXXXXX 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 2025-09-16 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: IN

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that fails to meet required standards of accuracy and is causing me serious financial and emotional harm. These errors must be corrected 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 non-monetary relief
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
This is your final notice. If you can not validate with documentary evidence reviewed by a human, the only lawful outcome is deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Consumer Statement : I reject the companys response in full. Their settlement offer is a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Failure to Provide Proper Validation The company did not produce a signed contract, application, or chain of assignment from XXXX proving their lawful ownership of this alleged debt. They instead attempted to coerce me into paying with a discounted settlement. This is not validation and violates 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i.

Illegal Pay-for-Deletion Scheme Offering to delete information from the credit bureaus upon payment proves they can not certify accuracy. This is a willful and reckless violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Reporting inaccurate, unverifiable, or incomplete information is strictly prohibited.

Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681i, the company and the credit bureaus must conduct a proper investigation. No investigation was performed, no records were producedonly a settlement demand. This is a gross violation of federal law.

Continuing Harm This account remains on my credit reports, causing financial damage, denial of credit, and emotional distress. Each day it remains is an additional violation. 



Demand for Immediate Relief : Immediate and permanent deletion of this account from Equifax, Experian, and TransUnion.

Immediate cease of all collection activity until full validation ( original signed contract and chain of title ) is produced.

Full compliance with all FCRA and FDCPA provisions.

If this account is not deleted, I will escalate with a lawsuit for willful violations of the FCRA ( 15 U.S.C. 1681n ) and FDCPA ( 15 U.S.C. 1692k ), seeking statutory, actual, and punitive damages. 



This is your final notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Consumer Statement : I reject the companys response in full. Their settlement offer is a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Failure to Provide Proper Validation The company did not produce a signed contract, application, or chain of assignment from XXXX proving their lawful ownership of this alleged debt. They instead attempted to coerce me into paying with a discounted settlement. This is not validation and violates 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i.

Illegal Pay-for-Deletion Scheme Offering to delete information from the credit bureaus upon payment proves they can not certify accuracy. This is a willful and reckless violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Reporting inaccurate, unverifiable, or incomplete information is strictly prohibited.

Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681i, the company and the credit bureaus must conduct a proper investigation. No investigation was performed, no records were producedonly a settlement demand. This is a gross violation of federal law.

Continuing Harm This account remains on my credit reports, causing financial damage, denial of credit, and emotional distress. Each day it remains is an additional violation. 



Demand for Immediate Relief : Immediate and permanent deletion of this account from Equifax, Experian, and TransUnion.

Immediate cease of all collection activity until full validation ( original signed contract and chain of title ) is produced.

Full compliance with all FCRA and FDCPA provisions.

If this account is not deleted, I will escalate with a lawsuit for willful violations of the FCRA ( 15 U.S.C. 1681n ) and FDCPA ( 15 U.S.C. 1692k ), seeking statutory, actual, and punitive damages. 



This is your final notice.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I CALLED XXXX  TO DISPUTE A FRAUDULENT, REPORTED TRANSWORLD SYSTEM INC ON MY XX/XX/year> CREDIT REPORT. PURSUANT TO CONSUMER LAW I AM A VICTIM ON IDENTITY FRAUD AND CERTAIN ACCOUNTS/INFORMATION ON MY CREDIT FILES ARE FRAUDULENT. UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681C-2, I REQUEST THAT THE FOLLOWING INFORMATION BE BLOCKED AND REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because the credit bureaus are continuing to report inaccurate, unverifiable, and unauthorized information on my credit report despite multiple disputes since XX/XX/XXXX, including a reinvestigation request submitted on XX/XX/XXXX. They have failed to remove, correct, or provide valid documentation verifying the disputed items. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Incorrect Personal Information : Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations The bureaus are in violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy They have also failed to provide : The procedures used in verification, Contact details of furnishers, and Documentation relied upon in their findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against CITI a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

CITI 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 2025-09-16 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: NM

Complaint narrative:
I am submitting this complaint against Experian for failing to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite providing Experian with a complete FTC Identity Theft Report, government-issued identification, proof of address, and a sworn affidavit, the fraudulent account XXXXXXXX XXXX XXXX XXXXXXXX remain on my credit file. Experians refusal to delete this fraudulent entry constitutes repeated violations of 605B and 611 ( a ), as well as 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( B ), and ( a ) ( 7 ), which require a timely reinvestigation, the deletion of inaccurate or unverifiable information, and proper notification of the results.

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