vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Immediate Removal of Unauthorized and Incorrect Accounts Under the FCRA I, XXXX XXXX XXXX , am formally disputing several accounts that appear on my credit report but that I do not recognize, did not open, did not authorize, and have no knowledge of. These accounts represent inaccurate, unverifiable, and potentially fraudulent information. 
ACCOUNTS TO BE DISPUTED XXXX. XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX. XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Account # : XXXX LEGAL BASIS FCRA : FCRA 602 ( A ) 15 U.S.C. 1681 FCRA 611 15 U.S.C. 1681i FCRA 609 ( A ) ( 1 ) 15 U.S.C. 1681g FCRA 604 15 U.S.C. 1681b FCRA 607 ( B ) 15 U.S.C. 1681e ( b ) FORMAL REQUEST : 1. Immediate deletion of all disputed accounts.

2. Removal of any negative marks or references tied to these accounts.

3. A free updated copy of my credit report after investigation.

4. Copies of all documentation used to verify these accounts.

FINAL STATEMENT : All information in this letter is true and accurate. I expect full compliance with the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company 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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Vivint Wrongly assigned due to forced eviction sold XXXX associate an inaccurate debt. 
The XXXX account was sold to a 3rd-party collector and is reporting inaccurately. 
Please update or remove per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) used deceptive and unlawful litigation practices to obtain a judgment against me in XXXX XXXX XXXX XXXX ( Case No. XXXX ). Although the court docket shows XXXX filed an Affidavit of Business Records on XX/XX/year>, XXXX did NOT serve me those records. Instead, on XX/XX/year>, XXXX placed a packet of documents in my mailbox by XXXX XXXX Mail, which is not proper service under Texas law and was not the same set of documents later filed with the court. The XXXX trial was reset from XX/XX/year> to XX/XX/year>. 

On the morning of the XX/XX/year> trial, XXXX filed a brand-new XXXX Records Affidavit and exhibits and submitted them to the judge without serving or notifying me. I learned of the filing only after returning home. Texas Rule of Evidence 902 ( 10 ) requires business records affidavits to be filed AND served at least 14 days before trial. XXXX served 0 days, provided no notice, and intentionally withheld the documents until the moment of trial. I was denied any chance to review, object, cross-examine the affiant, or prepare my chain-of-title and securitization defense. 

The affiant is located out of state, works for XXXX ( not the original creditor ), and has no personal knowledge of the Synchrony accounts securitization into the XXXX XXXX XXXX XXXX XXXX ( SYNIT ). XXXX has produced no Bill of Sale referencing my account, no chain of title, and no trustee authorization. XXXX represented to the court that it owns a charged-off, securitized debt that XXXX legally can not sell. 

PRAs conduct violates : Texas Rule of Evidence 902 ( 10 ) Texas Constitution Art. I 19 Federal Due Process ( 14th Amendment ) CFPB Regulation F CFPB Consent Orders requiring truthful, non-deceptive litigation practices FCRA duties of accurate reporting I respectfully request that the CFPB investigate XXXX for : ( 1 ) filing new affidavits the morning of trial without service; ( 2 ) misrepresenting ownership of a securitized debt ; ( 3 ) improper service through First Class Mail ; ( 4 ) failing to disclose documents used to obtain judgment ; and ( 5 ) continuing to report inaccurate tradeline information while litigation is ongoing.

PRAs actions in my court case match the exact deceptive litigation practices addressed in prior CFPB enforcement actions. Filing evidence the morning of trial without service is a direct violation of Rule 902 ( 10 ), denies the consumer due process, and unfairly prejudices the case outcome. 

I respectfully request enhanced CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
This is not my account, and it appears on my report in 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 explanation
Consumer complaint received 2025-12-02 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: MS

Complaint narrative:
The late payments being reported are incorrect. I made my payments on time, and the dates shown do not match my actual payment history. I did not receive any notice of missed payments, and the company has not provided proof that these late payments are valid. Under the FCRA, information must be accurate and verifiable, so I am requesting that these late payments be reviewed and corrected.

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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
Stellantis Financial is not willing to let us make principal only payments. We are wanting to make additional payments that are principal only and they will not allow us to.This really seems like predatory lending.

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 2025-12-02 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: NC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Vehicle : XXXX XXXX XXXX XXXX XXXX ( VIN ending XXXX ) Date : XX/XX/XXXX Subject : Chrysler Capital Incorrect Payoff, Missing Legally Required Notices, and Failure to Provide Documentation After Repossession Complaint Summary : My vehicle was repossessed by Chrysler Capital, but I have not received any of the legally required notices, including : Right to Redeem Notice Notice of Intended Disposition ( Sale Notice ) Required accounting of fees and actions taken Chrysler Capital is attempting to collect an inflated payoff amount that appears to include unearned interest, improper fees, and charges applied without legal notice or itemization. I have repeatedly requested proper documentation and a corrected payoff so I can fully pay off the vehicle, but Chrysler Capital has refused to provide it. 
Details of the Issue : 1. My vehicle was repossessed in Nevada, where I live and where the vehicle is registered.

2. I have NOT received any required post-repossession notices at my Nevada address.

3. Chrysler provided a payoff of {$20000.00}, which is thousands higher than the true remaining principal balance and appears to include unearned interest, improper fees, and unauthorized charges. 
XXXX. I faxed a written demand for full documentation and a corrected payoff on XX/XX/XXXX. 
5. Chrysler has not responded with the required documents or itemization.

6. Phone calls are repeatedly disconnected, delayed, or transferred without resolution.

7. I clearly informed Chrysler that I am ready and willing to pay the correct payoff in full immediately upon receiving proper documentation.

8. Chryslers refusal prevents me from redeeming the vehicle or verifying the validity of charges. 
Desired Resolution : I request the CFPB require Chrysler Capital to : 1. Provide all legally required notices ( Right to Redeem and Notice of Intended Disposition ).

2. Provide a corrected, legally compliant payoff including only actual principal, accrued interest, and legally permissible fees.

3. Provide a complete payment history and fee itemization.

4. Freeze additional fees until proper documentation is provided.

5. Provide the vehicle location and halt any sale activities.

6. Facilitate the process for me to pay off the vehicle immediately upon receiving the corrected payoff. 
Reason for CFPB Intervention : Chrysler Capital has failed to provide required notices, refused documentation, demanded an inflated payoff, obstructed supervisor access, and delayed resolution while fees potentially accrue. I request CFPB assistance to compel Chrysler Capital to comply with lawful requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I dispute this late payment under FCRA 1681i. Please investigate and correct this mistake also 15 USC 1637B. Prohibits reporting late payments without proper notice. Pleas look into this matter Global Lending Service has applied years of incorrect late payments on my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Around XX/XX/XXXX or XXXX I was at work when I recieved a incoming wire transfer of XXXX $ personally, I sell XXXX XXXX XXXX and offer up so I assume this wire was someone that wanted a big order. Later, I was locked out of my account. I panicked and called chase and they unlocked it so I thought everything was fine. Later, i tried using my card at places and decline decline decline. never worked chase sent me an email demanding the money back which i was really confused about so i called immediately. everyday im speaking to a new person about the same issue and they havent responded it and have made it super difficult to just access my money. Please help. I tried to email them back saying i didnt authorize for them to take it and it has still been frozen. im super frustrated and im at like XXXX dollars left of credit that they let me use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/year>, I contacted Midland Credit Management regarding an alleged XXXX XXXX XXXX XXXX XXXX XXXX account with a reported balance of approximately {$3200.00}. I requested written validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA XXXX ). Specifically, I asked for the original signed credit agreement, an itemized accounting of the balance, proof of chain of title showing XXXX  ownership of the debt, and the date of first delinquency. 

Midland refused to provide written validation by mail and told me they can not mail anything and that I must view all information online. I explained that online access is not legal written validation under the FDCPA. Despite this, they continued insisting that they would not mail any documents. 

I am requesting the CFPBs assistance in obtaining proper written validation of this alleged debt, or for Midland to stop collection activity if they can not provide the required documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Consumer Complaint to CFPB XXXX XXXX XXXX XXXX XXXX XXXX. What type of problem are you reporting? 
Credit reporting, identity theft, inaccurate information, and unauthorized inquiries. 

XXXX. What do you want the company to do? 

Permanently delete all inaccurate, unverifiable, or mixed-file items from my credit report. 

Correct cross-bureau inconsistencies in account details ( balances, dates, payment history, and account status ). 

Remove all late-payment markers and charge-offs that are not supported by verification. 

Block identity-theft-related accounts and unauthorized inquiries. 

Provide full documentation ( Method of Verification ) for any items retained. 

Provide updated, accurate credit reports for all bureaus. 

XXXX. What happened? 
I have experienced identity theft and multiple data breaches, which have resulted in : Accounts being reported incorrectly across credit bureaus. 

Unauthorized inquiries appearing on my credit reports. 

Previously deleted items being reinserted without proper certification. 

Late-payment and charge-off information being reported without verification. 

Mixed-file reporting, causing some accounts to appear under incorrect personal information. 

Specific examples include : A revolving credit card account reported differently across bureaus : missing from XXXX bureau, date opened discrepancies, and date last active inconsistencies. 

Multiple inquiries from creditors that were not authorized. 

XXXX accounts, charge-offs, and late payments reported inconsistently across the XXXX major bureaus. 

XXXX. How did this affect you? 

Lowered credit score due to inaccurate reporting. 

Potential denial of credit, loans, and financial services. 

Difficulty in correcting records due to reinsertion of previously deleted items. 

XXXX. What have you done to resolve the problem? 

Submitted dispute letters to all three credit bureaus. 

Requested deletion and corrections for all unverifiable or inconsistent items. 

Provided supporting documentation, including FTC identity-theft report and police report. 

Requested proof of verification ( MOV ) for all retained items.

Company response to consumer: Closed with explanation