vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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:
Given my consistent payment history, this late mark is erroneous and misrepresents my record. Please correct it and update my account.

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 2025-08-29 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: TX

Complaint narrative:
I did not authorize these inquiries. This is fraudulent activity. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: MA

Complaint narrative:
A new account has just appeared in my credit about that I just took a personal loan a loan that I never applied for, someone is taking out loans with my information I'm confused because I've never taken a personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
NATIONAL CREDIT MGMT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT MGMT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I was facing foreclosure and intended to sell my home outright. Instead, I was misled into a subject-to transaction without my full understanding. A dissolved LLC transferred the deed, and a trust was created in my name ( XXXX XXXX XXXX ) with someone else as trustee. I never consented to this arrangement. 

I remain fully liable for the mortgage in my name, but I have no control over the trust or the rental income being collected. Tenants are paying rent, but those funds are managed by the trustee, and I can not verify how they are being applied. The company also attempted to put insurance in my name while others occupied the property, and even asked me to forward two-factor authentication codes to my mortgage account so they could take control of it. 

This arrangement puts me at risk of foreclosure and credit harm while they profit from the rent. I am requesting CFPB review for fraudulent inducement, equity stripping, and mortgage servicing abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
Subject : Fourth and Final Dispute Formal Complaint Against Equifax for Inaccurate Reporting of XXXX XXXX XXXX XXXX Account To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this fourth and final dispute regarding the continued inaccurate, inconsistent, and unlawful reporting of the account listed below by Equifax. Despite multiple disputes, formal CFPB complaints, and the submission of an FTC Identity Theft Report ( Report No. XXXX ), Equifax has failed to comply with federal law and continues to report derogatory and unverifiable information. 

Disputed Account Details Creditor Name : XXXX  XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$37000.00} inconsistently reported across bureaus Date Opened : XX/XX/XXXX Last Active Date : XX/XX/XXXX ( Equifax ) Status : Closed / Derogatory / Collection / Charge-off XXXX  has already removed this account. Equifax is the only bureau still refusing to comply with the law. 

Inconsistencies and Failures by Equifax The account has been marked as Closed, yet still shows as Collection/Charge-off with a balance. 

Balance, dates, and statuses are inconsistent across bureaus, a direct violation of FCRA 1681e ( b ) requiring maximum possible accuracy.

Equifax claims this account was verified, yet : I was never provided with documentation showing what was verified.

No signed contract, billing statements, or proof of liability have ever been produced, violating FCRA 609 ( a ) ( 1 ) ( A ).

This verification was a false and misleading representation, as the account remains inaccurate.

This account should have been corrected or deleted from the very first round of investigation. Every subsequent round has proven Equifaxs ongoing negligence and willful noncompliance.

Legal Violations Equifaxs conduct violates multiple federal consumer protection laws, including : FCRA 1681i ( a ) : Failure to properly reinvestigate within 30 days.

FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable information.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) ( A ) : Failure to provide physical verification through original documentation.

FCRA 1681s-2 : Furnisher continued to report inaccurate information after notification.

TILA ( 15 U.S.C. 1601 ) : Lack of clear, accurate, and transparent reporting of debt.

Human Impact This unlawful reporting has caused me : Denial of credit opportunities and housing.

Unjustified damage to my credit reputation. 

XXXX XXXX  and financial harm. 

I am not just a file number ; I am a consumer who has repeatedly provided evidence, only to be ignored. Equifaxs refusal to correct these errors while falsely claiming verification is a serious breach of trust and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 dispute this late payment as it contradicts my on-time payment history. I kindly ask for its removal and that my credit records be updated.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EVERY MORNING I FEEL SO STRESS SEING THESE FRAUD AND UNAUTHORIZED ACCOUNTS IN MY REPORT. PLEASE TAKE ACTION IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
My XXXX credit card account has been reported inaccurately and inconsistently across the credit bureaus. 

According to both TransUnion and XXXX, my last payment was made on XX/XX/XXXX. Based on that payment history, XX/XX/XXXX should have been reported as 30 days late, XX/XX/XXXX as 60 days late, and the account should have been charged off by XXXX or XX/XX/XXXX. Instead, XXXX reported me as 120 days late with no payments made for XXXX, XXXX, and XX/XX/XXXX, but did not charge off the account until XX/XX/XXXX. 

The reporting is also inconsistent between bureaus : XXXX  lists the date of first delinquency as XX/XX/XXXX, but still shows XX/XX/XXXX as the first month of delinquency. 

TransUnion reports the account as 30 days late in XX/XX/XXXX, which directly conflicts with XXXX reporting. 

After applying the charge-off in XX/XX/XXXX, XXXX continued to update the account as charged off every month through XX/XX/XXXX. This practice is inaccurate, misleading, and amounts to improper re-aging, which is not permitted under the Fair Credit Reporting Act ( FCRA ). 

I have attached a side-by-side reporting timeline that shows what the account should look like based on my last payment versus what XXXX has actually reported. 

I am requesting that XXXX : Correct the reporting to reflect the true delinquency and charge-off timeline, based on my last payment of XX/XX/XXXX. 

Remove all inaccurate late payment and charge-off notations that were misapplied between XX/XX/XXXX and XX/XX/XXXX. 

Delete the account entirely if XXXX can not furnish a consistent and verifiable history that matches across all credit bureaus.

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 2025-08-29 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: SC

Complaint narrative:
My XXXX credit card account has been reported inaccurately and inconsistently across the credit bureaus. 

According to both XXXX  and Equifax, my last payment was made on XX/XX/XXXX. Based on that payment history, XX/XX/XXXX should have been reported as 30 days late, XX/XX/XXXX as 60 days late, and the account should have been charged off by XXXX or XX/XX/XXXX. Instead, XXXX reported me as 120 days late with no payments made for XXXX, XXXX, and XX/XX/XXXX, but did not charge off the account until XX/XX/XXXX. 

The reporting is also inconsistent between bureaus : Equifax lists the date of first delinquency as XX/XX/XXXX, but still shows XX/XX/XXXX as the first month of delinquency. 

XXXX  reports the account as 30 days late in XX/XX/XXXX, which directly conflicts with Equifaxs reporting. 

After applying the charge-off in XX/XX/XXXX, XXXX continued to update the account as charged off every month through XX/XX/XXXX. This practice is inaccurate, misleading, and amounts to improper re-aging, which is not permitted under the Fair Credit Reporting Act ( FCRA ). 

I have attached a side-by-side reporting timeline that shows what the account should look like based on my last payment versus what XXXX has actually reported. 

I am requesting that XXXX : Correct the reporting to reflect the true delinquency and charge-off timeline, based on my last payment of XX/XX/XXXX. 

Remove all inaccurate late payment and charge-off notations that were misapplied between XX/XX/XXXX and XX/XX/XXXX. 

Delete the account entirely if XXXX can not furnish a consistent and verifiable history that matches across all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
My payment amount of {$680.00} was due each month on the XXXX. Each month I made a payment of {$1000.00} on or before the due date. On XXXX XXXX I made a payment of {$2000.00}. On XX/XX/XXXX I was in an accident where the car was totaled. I inquired about continuing with payments or waiting for insurance payoff. I received a letter from Santander Consumer USA stating that I needed to continue making payments until the loan was satisfied either by myself or by the insurance company. On XXXX XXXX I made a payment of {$680.00}. On XXXX XXXX my insurance company paid {$14000.00} which left a loan balance of {$6600.00}. On XXXX XXXX went to the website to make a monthly payment and the website said my monthly amount due was {$0.00}. On XXXX XXXX the website again said my monthly amount due was {$0.00}. On XXXX XXXX my gap insurance company paid {$6600.00} which was the remaining balance, so I thought. On XXXX XXXX the website said that there was a remaining balance of {$12.00}. I went ahead and paid that. A couple of weeks later I received a letter in the mail stating that even though I probably thought that the {$12.00} had satisfied the loan that there was still interest due of {$74.00}. I called and inquired and was told that it was the remaining interest that the gap insurance company hadn't covered. On XXXX XXXX I paid {$77.00}. During this entire time the company website continued to say monthly payment due {$0.00}. 

I received an email from XXXX XXXX stating that Santander Consumer USA had reported my account as 30 days late. I called to inquire and after more than 30 days of getting nowhere here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-08-29 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: IL

Complaint narrative:
i checked my credit report and i seen there was a citi bank card and this is not me at all i never opened a citi bank account or credit card and would like for them to take this out of 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital Ones response is incomplete and inaccurate : They admitted no signed application or contract exists, which fails to validate ownership under FCRA.

They provided only 12 months of statements ( XXXX ), not the full account history I requested, which is incomplete documentation. 

They confirmed inconsistent bureau reporting ( not reporting at all on XXXX, while showing derogatory status on XXXX  ) . This violates Metro 2 data consistency standards.

They marked the account as in dispute but continue furnishing unverifiable derogatory data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AZ

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the standard of maximum possible accuracy required by law. These errors are placing a significant and ongoing burden on me, both financially and emotionally, and their continued presence is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and demand for full validation of an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby exercise my right to request verification and proof of this alleged debt.

At this time, I do not acknowledge any liability for the debt in question. Until you provide complete validation as required by law, you must immediately cease all collection activity, including reporting or furnishing any information about this alleged debt to the consumer reporting agencies. 

For compliance, you are required to provide the following documentation : XXXX. Proof of the XXXX XXXX XXXX copy of the original contract, agreement, or instrument bearing my signature that allegedly created this debt. 
XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX complete chain of assignment, transfer, or sale establishing your legal right to collect this debt. 
Documentation demonstrating your authority to act as a collector of this debt. 
XXXX. Full Accounting of the XXXX XXXX XXXX detailed itemization of the original amount, all fees, charges, interest, and payments applied to date. 
XXXX. Licensing and XXXX XXXX XXXX that your company is duly licensed, bonded, and authorized to collect debts in my state. 

Take notice that : Any failure to provide the above constitutes a violation of federal law and will be documented accordingly. 
Any continued collection activity, including credit reporting, without proper validation will be considered willful non-compliance with the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Should you ignore this demand, I will pursue all available remedies, including statutory damages, injunctive relief, and recovery of attorneys fees and costs. 

You are hereby notified that you have 30 days from receipt of this letter to furnish the requested documentation. If you can not validate this alleged debt in full, you must immediately : Cease all collection efforts, and Delete any reference to this alleged debt from my credit reports, and Confirm in writing that the matter is permanently closed. 

For the record, all future communications must be made in writing only. Telephone calls to me, my family, my place of employment, or any third party are expressly prohibited. 

Failure to comply will leave me no option but to pursue legal remedies to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies are reporting the account XXXX XXXX XXXX inaccurately, and they have failed to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ). 

I contacted the original creditor, XXXX XXXX, who confirmed that the owner of this account is XXXX XXXX XXXX, not XXXX Funding. I attached proof of this for reference, yet the CRAs continue to report XXXX XXXX as the owner. 

I previously notified the CRAs that this account is in litigation, and I have proof from the collection agency in CFPB response XXXX XXXXXXXX confirming this. The CRAs have ignored this and refused to delete the account. 

the CRAs are reporting {$9500.00}, which is inaccurate and misleading. 

These are multiple clear violations of the FCRA. This is now my XXXX  attempt to have this corrected, and the CRAs have not provided verification or corrected the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
The credit reporting agencies are reporting the account XXXX XXXX XXXX inaccurately, and they have failed to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ). 

I contacted the original creditor, XXXX XXXX, who confirmed that the owner of this account is XXXX XXXX XXXX, not XXXX Funding. I attached proof of this for reference, yet the CRAs continue to report XXXX XXXX as the owner. 

I previously notified the CRAs that this account is in litigation, and I have proof from the collection agency in CFPB response XXXX XXXXXXXX confirming this. The CRAs have ignored this and refused to delete the account. 

the CRAs are reporting {$9500.00}, which is inaccurate and misleading. 

These are multiple clear violations of the FCRA. This is now my XXXX  attempt to have this corrected, and the CRAs have not provided verification or corrected the reporting.

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