vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 


Disputed Account Information Account Name : XXXX  XXXX Account Number : XXXX Account Balance : {$27.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXX Account Balance : {$0.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CARD Account Number : XXXX Account Balance : {$0.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX AUTO Account Number : XXXX Account Balance : {$8700.00} Open date : XX/XX/XXXX Collections Disputed Account Information Account Name : XXXX XXXX Account Number XXXX XXXX Account Balance : {$10000.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$620.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$280.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Balance : {$1200.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$350.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CREDIT MANAGEM Account Number : XXXX Account Balance : {$800.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CREDIT MANAGEM Account Number : XXXX Account Balance : {$590.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$3000.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$2400.00} Open date : XX/XX/XXXX Inquires XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

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 2025-08-21 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: CA

Complaint narrative:
I am writing to formally dispute one or more bankruptcy-related entries listed on my credit report. These entries are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I am filing this complaint because I have been the victim of identity theft. Accounts were fraudulently opened and/or reported in my name without my knowledge, authorization, or consent. These accounts are negatively impacting my credit profile and are not my responsibility. 

I have already taken steps to dispute these accounts with the credit reporting agencies and creditors. I have also provided proof of my identity, including my government-issued identification and supporting documentation, along with an identity theft affidavit. Despite these actions, the accounts remain on my credit reports. 

The creditors and/or credit reporting agencies have failed to properly investigate and remove the fraudulent accounts as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act. This inaction has caused continued harm to my credit and financial stability. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) ensure the immediate removal of all fraudulent accounts and inquiries resulting from this identity theft, and that the credit reporting agencies update my credit file to accurately reflect only accounts I personally opened and authorized.

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 2025-08-21 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: GA

Complaint narrative:
I am filing this complaint because I have been the victim of identity theft. Accounts were fraudulently opened and/or reported in my name without my knowledge, authorization, or consent. These accounts are negatively impacting my credit profile and are not my responsibility. 

I have already taken steps to dispute these accounts with the credit reporting agencies and creditors. I have also provided proof of my identity, including my government-issued identification and supporting documentation, along with an identity theft affidavit. Despite these actions, the accounts remain on my credit reports. 

The creditors and/or credit reporting agencies have failed to properly investigate and remove the fraudulent accounts as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act. This inaction has caused continued harm to my credit and financial stability. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) ensure the immediate removal of all fraudulent accounts and inquiries resulting from this identity theft, and that the credit reporting agencies update my credit file to accurately reflect only accounts I personally opened and authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: WI

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-21 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:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a dispute of a fraudulent account listed under my credit profile. I have no association with this account, and I never authorized its creation. Its presence is inaccurate and damaging.

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 2025-08-21 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
XXXX XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I requested debt validation from an alleged attorney/debt collector regarding an alleged past due mortgage balance. The collector refused to provide the requested information, claiming that a validation was sent on XX/XX/XXXX. I did not receive this letter. This is not accurate under the Fair Debt Collection Practices Act ( FDCPA ) because collection activity is still ongoing. 

Separately, M & T Bank issued me a reinstatement statement showing the amount needed to bring the alleged mortgage current that was dated on XX/XX/XXXX for {$17000.00}. On XX/XX/XXXX, I tendered that payment in the full mount of {$17000.00} at an M & T Bank branch at XXXX XXXX XXXX XXXX XXXX, XXXX M & T Bank accepted the payment, and the funds cleared on XX/XX/XXXX. Despite this, I received another collection notice from the mortgage company after the payment had already been accepted. 

As of today, M & T Bank has not refunded reinstatement payment made on XX/XX/XXXX, but collection activity continues. This is misleading and unfair, and it appears to violate the FDCPA, the Real Estate Settlement Procedures Act ( RESPA ), and other consumer protection laws.

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 2025-08-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection credit card you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection credit card Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bear Claw Lending dba Lucent Cash
State: OK

Complaint narrative:
Predatory loan company with a 597 % interest rate. They are now threatening to garnish my wages but O have not received any legal paperwork stating so. I have asked for settlement options with no response.

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 2025-08-21 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:
IXXXX XXXXXXXX XXXX XXXX- I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
IXXXX XXXXXXXX XXXX XXXX- I was never late on this account, please remove late payment history.

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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
About three months ago, I requested that Tower Loan in XXXX, LA not contact my place of employment, to which the representative agreed. Yesterday, while I was at work, Tower Loan tried to reach my cell phone. I am unable to answer my cell phone at work, so I did not. They then proceeded to call my work phone number. I answered and let them know that I needed to call them back. They unprofessionally stated that I needed to call them that day. After work, I could not reach them. They called me this morning. I am not at work, but I did not have my cell phone with me. I am not sure whether they attempted to contact my job, but I called them back. I then reached out to the company and paid my bill. I asked again if they would not reach out to my job. The representative, XXXX stated that I needed something in writing requesting that they not contact my job. That was never mentioned before and I let her know. XXXX then stated that the clause was listed on the bottom of the contract. I told her that it should not take it being in writing if the person I spoke with agreed that they would no longer call my job. I told her that I would send a cease and desist letter. If it was violated again, I would call pursue legal actions. XXXX then stated that the next time I became delinquent they would sue me. I ended the call with XXXX and called back. I asked again that they do not call my job, and expressed how rude XXXX was, and Im assuming the manager is whom I was speaking with, told me that XXXX is not rude and not to speak about his employees in that way. I then had to gather the manager in letting him know what caused me to call XXXX rude as well as himself. I let them both know that each time I have paid, I have paid more than I owe, calling them to make the payment. I am filing this complaint because of their unprofessionalism. On one end, theyre harassing people to take out loans. They have called me several times to take out additional funds. On the other end, theyre harassing people to pay on their loans calling multiple times a day. They speak with humans as less than humans, and I never plan to do business witch this company 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 2025-08-21 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: GA

Complaint narrative:
I am filing this complaint regarding an auto loan account with Santander Consumer USA. 
This account was charged off on or about XX/XX/XXXX, and is reported on my credit file with the remark Profit and Loss Write-Off. Account number : XXXX Despite this, I have never received IRS Form 1099-C for cancellation of debt, nor does one appear on my IRS Wage & Income Transcript for the relevant tax year. If the debt was canceled, Santander was required to issue a 1099-C. If it was not canceled, then reporting it as a profit and loss write-off is misleading and harmful to my credit profile. 
Additionally, Santander has a documented history of unlawful and deceptive practices in the auto loan sector, including : The XXXX {$550.00} XXXX multi-state settlement over predatory subprime auto lending, The {$14.00} XXXX XXXX XXXX Santander repossession settlement, The {$3.00} XXXX Mississippi settlement related to high-risk loan placements. 
This establishes a pattern of misconduct and raises serious concerns about whether my account is being accurately and lawfully reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXXccount Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-21 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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