vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by Equifax and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation :XX/XX/XXXX Last Payment Date but reporting a balance unverifiable. 
Original creditor listed, but no ledger, assignment chain, affidavit, contract, or itemization retained by the furnisher. 
Reporting as unpaid with no validation proves continued furnishing of unverified debt. 

The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by XX/XX/XXXX and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : * Cavalry Portfolio Services Collection XXXX No Last Payment Date but reporting a balance unverifiable. 
Original creditor listed, but no ledger, assignment chain, affidavit, contract, or itemization retained by the furnisher. 
Reporting as unpaid with no validation proves continued furnishing of unverified debt. 

The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Latitude illegally re-aged this account by altering my payment history after I disputed it, inserting late payments that were never reported before, changing XX/XX/year> from Current to 30 Days Late, accelerating delinquencies months earlier, and marking it Charged Off while still modifying dates. Retroactive late payments, changing delinquency timelines, and extending derogatory reporting are re-aging and prohibited under FCRA 623 ( a ) ( 5 ). These actions are false, retaliatory, and harmful, causing an immediate XXXX score drop, denials, financial loss, and emotional distress. This account must be permanently deleted for unlawful re-aging, inaccurate reporting, and consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-09 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: 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im in disagreement with the account listed below, which appears on my credit report even after your investigation. I would like this item to be investigated again immediately. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX Could you also please provide the names and business addresses of each individual with whom you verified above so that I may follow up.

Please send an updated copy of my credit report after the re-investigation.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Lending Force, LLC
State: MI

Complaint narrative:
Refer to TWO previous complaints I filed. They replied to you check will be issued in 3 to 5 days!! They lied to you, as well as me a few times. How can this company get away with all this deceptive process. I just want my {$620.00} they have been texting me over and over its in the mail!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
b'End of last year I made a purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nand I DO NOT XXXX  KNOW WHICH BANK CARD WAS USED!!\n\nI need that info to find my phone, backpack and car!! And to retrieve my XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation
State: MI

Complaint narrative:
Penn Credit Corporation began reporting a collection account on my Experian credit report on XX/XX/XXXX for an alleged XXXX XXXX balance of {$550.00}. The underlying utility account relates to a residence I vacated in XXXX after requesting that the service be closed or transferred out of my name from XXXX XXXX on XX/XX/XXXX. 

After the collection appeared on my credit report, I disputed the debt in writing by postal mail and email on XX/XX/XXXX and formally requested full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). My certified letter/email was successfully delivered. Penn Credit Corporation failed to provide any validation or documentation within the required XXXX period. 

I also disputed this account directly with Experian on XX/XX/XXXX. Despite my dispute and Penn Credit Corporations failure to provide me with validation, Experian reported that the debt was verified and did not remove it from my credit report. 

Penn Credit Corporation has continued to report this collection account without providing any of the legally required proof of the debt. Because the debt was never validated and is being reported as verified, I am disputing both the accuracy and legality of this collection account under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that the debt listed on my credit report by Penn Credit Corp be removed entirely. I have evidence that I properly requested the account to be closed and was not responsible for the balance. I want CFPB to investigate this matter and ensure that my credit report accurately reflects that I am not liable for this debt, and that the collection account be deleted from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The record at present provides an incomplete and misleading depiction of my financial actions. I respectfully request a formal inquiry into this matter and the relevant corrections to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This collection is showing and reporting on my credit. I never signed up for this account. I believe I am a victim of identity theft. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AL

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 explanation
Consumer complaint received 2025-12-09 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google North America Inc. ( dba Google Fi ) performed a Hard Credit Inquiry on my XXXX report on XX/XX/year> without " Permissible Purpose '' ( FCRA Section 604 ).

1. Admission of Automated/Unauthorized Pull : I was browsing a shopping cart and did not complete checkout or sign an application. In a written response to my FCC complaint ( Agent " Rio '' ), Google admitted : " if the necessary personal information... is already saved... simply moving past this step can automatically trigger a credit check. '' This confirms Google uses an automated system to execute hard credit pulls using legacy stored data without obtaining a specific, affirmative application for the new transaction.

2. Refusal to Correct ( FCRA Violation ) : I disputed this directly with Google. In a written response ( XXXX " XXXX '' ), Google stated : " Google Fi is not in a position to remove or amend a credit inquiry ... only the credit bureaus ... can investigate. '' This is false. As a Data Furnisher, Google has a legal obligation under the FCRA to correct inaccurate information. They have the ability to submit a Universal Data Form ( UDF ) to delete the inquiry but are refusing to do so, claiming technical inability.

3. Contradiction of Policy : Google 's own terms state a hard pull occurs only " If you qualify and decide to go ahead. '' I did not go ahead. I abandoned the cart.

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 2025-12-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Formal Request for removal of Federally Trademarked Copyright name associated with Accounts ending in XXXX / XXXX / XXXX Dear : Citi Bank has received XXXX Notices of Intent, of Revocation of Election, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, demanding immediate cease and desist action concerning the unauthorized dissemination of my personal, financial, and identifying information to Credit Reporting Agencies. Privacy Act of 1974, 5 U.S.C. 552a : Protects against unwarranted dissemination of personal records by any agency or entity acting in concert with federal oversight or support. FCRA, 15 U.S.C. 1681b ( a ) : Restricts the permissible purposes for the furnishing of consumer reports and information. Gramm-Leach-Bliley Act, 15 U.S.C. 68016827 : Mandates the safeguarding and nondisclosure of nonpublic personal information without express, written consent. Right to Privacy and Due Process under the U.S. Constitution : Furnishing of sensitive consumer data without clear, informed, and revocable consent infringes upon fundamental rights of due process and personal privacy. Trademark violation of the United States Copyright Act, specifically 17 U.S. Code 501 - infringement of Copyright without written approval. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), furnishers must ensure the accuracy of information reported to credit bureaus. Citi Bank did not provide adequate forms to opt out of personal information 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
Consumer complaint received 2025-12-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Formal Request for removal of Federally Trademarked Copyright name associated with Accounts ending in XXXX / XXXX / XXXX Dear : Citi Bank has received XXXX Notices of Intent, of Revocation of Election, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, demanding immediate cease and desist action concerning the unauthorized dissemination of my personal, financial, and identifying information to XXXX XXXX XXXX. Privacy Act of 1974, 5 U.S.C. 552a : Protects against unwarranted dissemination of personal records by any agency or entity acting in concert with federal oversight or support. FCRA, 15 U.S.C. 1681b ( a ) : Restricts the permissible purposes for the furnishing of consumer reports and information. XXXX XXXX, 15 U.S.C. 68016827 : Mandates the safeguarding and nondisclosure of nonpublic personal information without express, written consent. Right to Privacy and Due Process under the XXXX Constitution : Furnishing of sensitive consumer data without clear, informed, and revocable consent infringes upon fundamental rights of due process and personal privacy. Trademark violation of the United States XXXX XXXX, specifically 17 U.S. Code 501 - infringement of Copyright without written approval. 15 U.S.C. XXXX ( Responsibilities of Furnishers of XXXX ), furnishers must ensure the accuracy of information reported to credit bureaus. Citi Bank did not provide adequate forms to opt out of personal information 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
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The companys is not honoring the law by removing the negative items. This is a law that requires deleting within XXXX business days. If this does not happen legal action will be taken.

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