vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
This complaint is towards ChexSystems. I was being declined for a business account from my local bank because of a report on chex systems on my brand new EIN number. I tried making a business log in for my ein and it is not possible. They will only allow for accounts for individual SSN 's.

They will not allow the report to go to email and they won't let me discuss my report over the phone and this is a problem because we are trying to jump start a business and this is a huge hiccup. The bank doesn't know the details of the decline, and I am paused by the post office being able to send me the letter over the mail.

my complaint is that this is my personal business information and I am not entitled to this information virtually like other valuable business information.I verified my information and for a business, time wasted is money lost. I requested this information on XXXX XXXX, and we are sitting on XXXX XXXX and I still have no idea why my EIN is being flagged. This is a BRAND NEW business. Brand new EIN, and it is extremely inconvenient for businesses to be treated like this.

I am fairly confident the error was a banker error and put in the wrong EIN numbers, but the bank can't try again without ChexSystems verification.

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 2025-05-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$6200.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Several companies have accessed my credit report through TransUnion without my authorization, causing direct and unwarranted harm to my credit score. I previously contacted TransUnion and was assured that these fraudulent and unauthorized inquiries would be removed. However, they are still being reported, which is unacceptable and raises serious concerns about potential identity theft. 
Unauthorized credit pulls are a clear violation of my rights under federal law. I am demanding the immediate removal of these inquiries and a full explanation for why they remain unresolved. This situation has caused me significant financial damage and emotional distress, and I expect urgent corrective action from TransUnion 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 explanation
Consumer complaint received 2025-05-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
b'Subject: Dispute of Inaccurate Personal Information Reported by TransUnion\n\nDear CFPB Representative,\n\nI am writing to formally file a dispute complaint against TransUnion regarding inaccurate and unverified personal information reported on my credit file. Upon reviewing my credit report, I discovered several addresses and phone numbers listed that I do not recognize and have never been associated with.\n\nThe following inaccurate addresses were reported:\n\t\XXXX XXXX XXXX XXXX  PA XXXX (Reported XXXX)\n\t\XXXX XXXX XXXX XXXX PA XXXX (Reported XXXX)\n\t\tXXXX XXXX XXXX XXXX XXXX  PA XXXX (Reported XXXX)\n\t\XXXX XXXX XXXX XXXX PA XXXX (Reported XXXX)\n\nThe following phone numbers are also incorrectly listed under my credit file:\n\t\tXXXXn\t\XXXX\n\t\tXXXX\n\t\tXXXX\n\t\tXXXX\n\nI do not recognize any of the above information as belonging to me. I am concerned that this inaccurate data could negatively affect my credit profile and potentially indicate identity confusion or reporting errors. I request that the CFPB investigate this matter and ensure that TransUnion removes this incorrect information from my credit report.\n\nI am providing my full name and current address for identification purposes:\n\nName: XXXX XXXXnAddress: XXXX XXXX XXXX XXXX PA XXXX\n\nPlease let me know if you require any additional documentation or information to assist in your investigation. I appreciate your prompt attention to this matter and look forward to a resolution.\n\nSincerely,\nXXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
b'Subject: Dispute of Inaccurate Personal Information Reported by TransUnion\n\nDear CFPB Representative,\n\nI am writing to formally file a dispute complaint against TransUnion regarding inaccurate and unverified personal information reported on my credit file. Upon reviewing my credit report, I discovered several addresses and phone numbers listed that I do not recognize and have never been associated with.\n\nThe following inaccurate addresses were reported:\n\t\XXXX XXXX XXXX XXXX  PA XXXX (Reported XXXX)\n\t\XXXX XXXX XXXX XXXX PA XXXX (Reported XXXX)\n\t\tXXXX XXXX XXXX XXXX XXXX  PA XXXX (Reported XXXX)\n\t\XXXX XXXX XXXX XXXX PA XXXX (Reported XXXX)\n\nThe following phone numbers are also incorrectly listed under my credit file:\n\t\tXXXXn\t\XXXX\n\t\tXXXX\n\t\tXXXX\n\t\tXXXX\n\nI do not recognize any of the above information as belonging to me. I am concerned that this inaccurate data could negatively affect my credit profile and potentially indicate identity confusion or reporting errors. I request that the CFPB investigate this matter and ensure that TransUnion removes this incorrect information from my credit report.\n\nI am providing my full name and current address for identification purposes:\n\nName: XXXX XXXXnAddress: XXXX XXXX XXXX XXXX PA XXXX\n\nPlease let me know if you require any additional documentation or information to assist in your investigation. I appreciate your prompt attention to this matter and look forward to a resolution.\n\nSincerely,\nXXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This account is over XXXX XXXX XXXX from the original date of delinquency and is obsolete under FCRA 605 ( a ) ( 5 ). 
Under the Fair Credit Reporting Act ( FCRA ), obsolete accounts must be removed. 
Equifax. XXXX  XXXX {$2100.00} refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off. 

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Initial complaint ID reference : XXXX XXXX. XX/XX/year> Initial Attempt and Denial : I appeared at Santanders XXXX XXXX XXXX to open a trust account for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a lawful private trust. 
I presented valid identification ( U.S. Passport ) and trust documentation, including authority to use the grantors SSN for trust administration.

I was told the trust could not be accepted because it was not drafted by an attorney or approved by a court.

No policy, statute, or legal opinion was cited in support of this claim. 
2. XX/XX/year> Repetition of False Claims by Three Employees : Santander staff, including XXXX XXXX ( Sr. Specialist Relationship Banker ), XXXX XXXX ( Senior Associate ), and XXXX XXXX ( Branch Manager ), each confirmed this policy without providing lawful justification. 
My request for legal citation, internal policy, or a name of the reviewing party was denied. 
3. XX/XX/year> Complaint Filed with CFPB : I filed a formal complaint with the Consumer Financial Protection Bureau for violation of federal law and denial of service. 
4. XX/XX/year> Non-Responsive Letter from Santander : Santander responded to the CFPB but failed to address the legal concerns, instead restating its refusal based on insufficient documents with no explanation. 
No reference to applicable statutes, regulations, or Santander internal policies was provided.

This letter represents a fourth instance of violating federal law and a repeated act of discriminatory refusal to provide banking services to a lawful private trust.

Legal Objections and Repeated Violations of Federal Law : This repeated conduct violates multiple provisions of federal law, including : 15 U.S.C. 1691 ( ECOA ) Discriminatory denial of service with
out a valid basis or written reason.

15 U.S.C. 45 ( UDAP ) False representation that a trust must be court-approved or attorney-drafted.

15 U.S.C. 6802 ( GLBA ) Lack of transparency and refusal to explain policy or handling of trust data.

15 U.S.C. 1681g ( FCRA ) Potential failure to disclose internal evaluations affecting the decision.

15 U.S.C. 1691d ( ECOA Reg B ) Failure to provide a proper adverse action notice.

15 U.S.C. 1 ( Sherman Antitrust Act ) If part of a broader policy or coordination among banks, this constitutes unlawful restraint of trade.

Constitutional and Jurisdictional Violations : Obstruction of the Right to Contract under Article I, Section 10 of the U.S. Constitution.

Denial of public accommodation by a federally chartered and state-operating financial institution.

Constructive press-ganging of private persons into federal statutory roles by refusing service unless statutory criteria are met.

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 2025-05-14 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment history reported for the following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. I respectfully request that you investigate this matter, correct the payment history if it is found to be inaccurate, and provide me with written confirmation and a free updated copy of my credit report upon completion of the investigation. 

Please complete your investigation within the 30-day timeframe as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
To : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Identity Theft Complaint Regarding Account XXXX XXXX Dear TransUnion and Experian, I am writing to formally dispute the continued reporting of an account listed as XXXX XXXX on my credit report. I have previously disputed this account and clearly stated that it is the result of identity theft, fraud, and misrepresentation. Despite my prior notification and submission of supporting documentation, no appropriate action has been taken. This account continues to appear on my credit report in clear violation of federal law. 

As I have already informed you, I did not authorize, open, or benefit from the XXXX XXXX account. The Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), clearly states that when a consumer notifies a consumer reporting agency that information on their report is the result of identity theft and provides a valid Identity Theft Report, the agency must block the reporting of that information within four ( 4 ) business days of receiving the documentation.

I am attaching again : A copy of my Identity Theft Report A copy of my government-issued ID Proof of residency A signed statement affirming that I did not open or authorize the XXXX XXXX account It has now been well beyond the four-day period since I provided notice of identity theft. The law does not allow the account to remain on my credit report while your agency conducts an investigation. Instead, the FCRA requires immediate blocking of the disputed information, followed by any investigation you deem necessary. 

Continued reporting of this fraudulent account constitutes a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, under 15 U.S.C. 1681n and 15 U.S.C. 1681o, willful or negligent noncompliance with the FCRA can result in civil liability, including actual damages, statutory damages, attorneys fees, and, in the case of willful violations, punitive damages. 

I demand that this account be removed from my credit report immediately and that written confirmation of the deletion be sent to me at the address above. If you fail to comply with this lawful request, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and explore legal action to protect my rights. 

Please consider this letter a final warning. The law is clear, and your obligations are well-established. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Copy of Government ID Proof of Residency Signed Statement of Dispute

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
discover closed my account late Thursday XX/XX/XXXX. I immediately called them and asked them to get it was closed they vaguely told me it was a business decision. I told them I get paid tomorrow and asked what would happen to my direct deposit. They told me the check wouldnt go through to the account because it was closed. I immediately reached out to my jobs and changed my direct deposit information and told my employer about my situation. My HR told me that once the check bounced back because they already submitted payroll they would call me to pick up a live check. However Monday XX/XX/XXXX I reached out to payroll and asked them about the status of my check they said they hadnt received my check as of yet. So I called Discovers customer service and they informed me that they received my check and instead of having it bounce they claim they would send me out a check in five to ten business days. I spoke with a manager because if they bounce the check I could have my payroll give me a live check but the manager was no help and told me I would have to wait for the cashiers check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>

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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA.i request full cancellation of my student loan debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief