vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Spoke to transunion they claim they never recieved my cfpb report # XXXX XXXX. I submitted this report XX/XX/XXXX it has almost been 60 days. The report stated : I am writing in regards to previous disputes regarding charge offs and profit loss on my credit report. Despite my efforts to resolve this issue, I have been informed by your agency that the accounts have been verified by the creditor. However, I strongly believe these charge offs are reporting inaccurately and violates Metro 2 compliance laws. Specifically, the creditor has failed to report the proper date of last activity, date of first delinquency, and still reporting delinquency after account closure, which had resulted in the accounts stating on my credit report longer than they should have. I also have not recieved any documentation from the creditor validating the charge offs or proving that they have complied with Metro 2 regulations. I expect a thorough investigation as required by law to avoid engaging in any practices that mirror those outlined in the CFPB complaints. I am requesting immediate corrective action to remove these accounts as they violate federal law and my rights as a consumeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information deleted off my credit report immediately and my personal information.

LAW 15 USC 1681i ( a ) ( 5 ) ( A ) FCRA 623 ( a ) 1 ( A ) UCC 9-611 UCC 9-613

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 2025-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
They have been sending me letters threatening me that they would sue me, calling me every day, leaving threatening messages. The last letter I received was XX/XX/XXXX with a case information from a court order regarding Cause no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I noticed the following inquiry/inquiries that I believe to be unauthorized or inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me, nor do I have any current or past relationship with the companies listed. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and subsequently removed from my credit file. 
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Please find attached a copy of my credit report with the inquiries highlighted, as well as a copy of my identification for verification purposes. 
I would appreciate your prompt attention to this matter and request confirmation once the inquiries have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
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: CreditNinja Lending, LLC
State: AL

Complaint narrative:
Credit ninja is calling me and my relatives stating that I will be arrested for XXXXXXXX XXXX XXXX  for a loan over 8 years ago that I XXXX it remember acquiring.

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 2025-08-27 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/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 2025-08-27 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under USC 1681g regulations, these error-prone accounts must be cleared in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
What happened Purchase details : On XX/XX/XXXX, I bought a XXXX XXXX XXXX  ( XXXX XXXX, XXXX miles ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ). The vehicle had been presented at {$17000.00}. 
Contract figures : In the Retail Installment Sale Contract ( LAW 553-FL-ARB-e ), the vehicle price was recorded as {$14000.00} ( cash price with sales tax shown as {$15000.00} ). However, the dealer packed the contract with add-ons and fees that I did not clearly authorize or understand, which increased the Amount Financed to {$18000.00} at 15.88 % APR, for 60 payments of {$450.00} ( starting XX/XX/XXXX ), with the contract later assigned to Santander Consumer USA . 
Down payment : I paid a {$3000.00} down payment by debit card to XXXX XXXX on XX/XX/XXXX ( see attached bank statement from XXXX ). 
Add-ons I never knowingly agreed to/ were not properly explained : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) : {$3100.00} + {$210.00} tax = {$3300.00} total. 
XXXX XXXX ( XXXX XXXX XXXX ) : {$890.00}. 
XXXX XXXX XXXX : {$1000.00}. 
XXXX XXXX XXXX XXXX : {$190.00}. 
Other dealer fee shown as {$1100.00}. 
Government fees/taxes also appear ( Doc stamp {$210.00}, license/registration {$200.00} ). 
Language/consent issues : My primary language is XXXX. The add-ons were not explained to me in a language I fully understand, I was not presented with a clear menu of optional products, and I was not told that these add-ons were optional. I would not have purchased them. 
Cancellation run-around : After discovering the add-ons, I repeatedly tried to cancel them. I called Santander and the product administrators ( XXXX XXXX and XXXX ). All of them told me only to go back to the dealer, and no one provided a clear cancellation process, deadlines, or refund amounts. This has prevented me from exercising my cancellation rights and obtaining refunds that should reduce my loan principal. 
Why Im complaining : The contract appears to have reduced the vehicle price on paper ( {$14000.00} ) while adding thousands in optional products and dealer fees, causing me to finance much more than expected. I believe this is payment packing / unfair add-on sales, and I am being denied a straightforward cancellation and refund path. 

Attachments I am providing XXXX. Retail Installment Sale Contract ( pages showing XXXX 15.88 %, {$18000.00} amount financed, {$450.00} x XXXX ). 
XXXX. Itemization pages showing the add-ons and fees ( XXXX XXXX  {$3100.00} + tax {$210.00} ; XXXX {$890.00} ; dealer fees ). 
XXXX. XXXX XXXX XXXX XXXX  application showing the {$3100.00} price and {$210.00} tax. 
XXXX. XXXX XXXX XXXX ( Florida ) showing the {$890.00} charge and my signature. 
XXXX. Bank statement showing the {$3000.00} down payment to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: OK

Complaint narrative:
I reviewed my credit reports and found multiple accounts and inquiries that are being reported inaccurately and without proper verification. A XX/XX/XXXX account is showing derogatory late payments even though no billing records have ever been provided. Both XXXX and XXXX XXXX are reporting charged-off accounts with inconsistent dates, balances, and past due amounts that suggest re-aging of the debt. Several collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are reporting balances without providing contracts, itemized statements, or proof of assignment, and in some cases the reporting appears to be duplicate or overlapping. In addition, there are multiple hard inquiries on my file between XX/XX/XXXX and XX/XX/XXXX from XX/XX/XXXXXXXX, and XXXX XX/XX/XXXXXXXX but no signed authorization or permissible purpose has been shown for these inquiries. These errors remain unresolved and are causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: OK

Complaint narrative:
I reviewed my credit reports and found multiple accounts and inquiries that are being reported inaccurately and without proper verification. A XX/XX/XXXX account is showing derogatory late payments even though no billing records have ever been provided. Both XXXX and XXXX XXXX are reporting charged-off accounts with inconsistent dates, balances, and past due amounts that suggest re-aging of the debt. Several collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are reporting balances without providing contracts, itemized statements, or proof of assignment, and in some cases the reporting appears to be duplicate or overlapping. In addition, there are multiple hard inquiries on my file between XX/XX/XXXX and XX/XX/XXXX from XX/XX/XXXXXXXX, and XXXX XX/XX/XXXXXXXX but no signed authorization or permissible purpose has been shown for these inquiries. These errors remain unresolved and are causing ongoing harm to my credit profile.

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 2025-08-27 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation