vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 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 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am formally requesting that these accounts be investigated, and if they can not be confirmed as correct, they must be deleted.

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 2025-09-18 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: GA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am formally requesting that these accounts be investigated, and if they can not be confirmed as correct, they must be deleted.

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 2025-09-18 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: IN

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-18 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-18 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: SC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$260.00} XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$430.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I request that the CFPB take immediate action, as the accounts I am disputing are being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter directly with the credit bureau without success, and I now require that this inaccurate information be investigated and corrected urgently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I request that the CFPB take immediate action, as the accounts I am disputing are being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter directly with the credit bureau without success, and I now require that this inaccurate information be investigated and corrected urgently

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-18 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: NC

Complaint narrative:
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 four 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Formal Complaint Predatory and Excessive Overdraft Fees by Regions Bank To Whom It May Concern, My name is XXXX XXXX, and I am filing a complaint against Regions Bank for what I believe are obsessive and predatory overdraft fee practices. 

On multiple occasions, I deposited funds to bring my account current and restore a positive balance. Despite these good-faith efforts, the very next day additional overdraft fees were assessed, which immediately pushed my account back into the negative. This cycle repeated several times. Instead of resolving the issue, Regions Banks fee structure trapped me in a continuous loop of charges. 

I believe this practice is not only excessive, but also deliberately structured in a way that exploits customers. It penalizes the same incident multiple times and makes it nearly impossible to bring an account back into good standing. These actions feel targeted, manipulative, and predatorytaking advantage of customers rather than providing fair banking services. 

I am requesting that the CFPB investigate Regions Banks overdraft policies and require a refund of the unfair fees charged to my account. 

You may contact me for additional details at XXXX. 

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 explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/2018 - Balance {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I purchased a used vehicle on XX/XX/year>, from XXXX XXXX XXXX XXXX in XXXX Arizona and got a loan through XXXX XXXX with the intention to pay off the loan as quickly as possible. I put {$3000.00} down on the vehicle and confirmed with the dealership finance representative that I could pay off the vehicle without penalty, he confirmed this as correct. I made an initial payment of {$2000.00} on XX/XX/year>. Then on XX/XX/year> I went on XXXX XXXX XXXX  website to pay off the vehicle. XXXX XXXX  uses a website called paynearme.com. When you click on make a payment you leave XXXX XXXX XXXX website and are directed to paynearme.com. On this website I wanted to make two payments totaling {$29000.00} from two separate accounts. I Put in {$20000.00} to come from the first account, put in my banking information and clicked complete payment. I got a pop-up that stated I have a {$12000.00} daily limit I can pay from an account. So, I reentered the amount to match their daily limit of {$12000.00} at XXXX. Then I went to another account and made another payment of {$12000.00} at XXXX. This payment was declined by paynearme.com because I had made a previous payment within 15 minutes. Therefore, I scheduled a payment for XX/XX/year> for {$12000.00} and it was accepted. Then I entered a final payment of {$3600.00} for XX/XX/year>, this payment was declined because it was from one of the accounts I had made the previous payment of {$12000.00}. 
I called XXXX XXXX to figure out what was going on and I was told by the representative that I had a maximum of {$12000.00} limit I could pay from each account and I would have to wait 30 days to make another payment. This waiting was going to cost me additional interest on the loan and the pay off amount would change. I was attempting to pay a debt, XXXX XXXX is attempting to collect a debt and refusing to accept payment of the debt at this time, making the balance on the loan grow. I have the money, I am attempting to pay off the debt, and the lender is refusing to accept my payment until more interest accrues. How is this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
All of this communication is memorized on ApplePay chat which is the method that ApplePay instituted for making a dispute. There seems to be no other way to file a dispute a charge on ApplePay than with chat. After stating everything to the person on chat, I am told to call a number XXXX and the chat ends and I would have to start again with a new chat because they said they don't have access to any of the previous chat even if its a few minutes ago. And when I call the number I would have to repeat everything and then get hung up on because they say they are not the right department and/or they transfer me to another or to Goldman Sacks who eitheXXXX don't pick up and the phone call dies. 

On XX/XX/2025, I reported by chat of the fraudulent charges of {$1.00} and {$14.00} which I saw was being made on ApplePay for a purchase on XXXX. We were at a concert and did not make any purchase on XXXX. In addition, we do not use ApplePay for XXXX. We disputed these charges right then on XX/XX/2025 mere minutes when I saw the charges on my XXXX. 

Today, XX/XX/2025, I was notified on my phone that ApplePay and/or Goldman Sacks decided the charges as authorized. I then initiated numerous chats and telephone calls ( see above ) to dispute this decision and told them I am appealing this decision. 
I also requested to be provided with what was actually done in their investigation of these fraudulent charges ( not lip service, but that was performed in their investigation ). I am getting a run-around and they are not investigating these fraudulent charges. But not investigating fraudulent charges and then deciding that these fraudulent charges are authorized, ApplePay and Goldman Sacks are aiding and abetting fraud. 
My monthly statements for ApplePay are in the thousands of dollars and I just happened to catch this {$15.00} fraudulent charge and this is Apple and Goldman Sacks response to fraudulent charges? Too small to spend all this effort and time to dispute this small amount? Apple and Goldman Sacks should be investigated for their unfair practices in handling disputes, especially the small fraudulent amounts that are hard to catch and too small to go through all the ropes ( chat, telephone call, transfer calls and repeating oneself ) that Apple and Goldman Sacks put in place. I just spend hours just on this with ApplePay and Goldman Sacks on chats, telephone calls and told them I want to file an appeal only for the chat to end and nothing came from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief