vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
On XX/XX/year>, a hard inquiry from XXXX XXXX appeared on my credit report. I did not apply for credit, authorize this inquiry, or initiate any transaction with this company. Under the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries are only permissible with the consumers authorization or in connection with a credit transaction initiated by the consumer. Since I did neither, this inquiry is unauthorized and appears to violate the FCRA. I am requesting that the inquiry be investigated and removed. I am also requesting documentation proving that I provided authorization for this inquiry, as required by law.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been reaching out to US Bank for a resolution to my account as they are constantly charging me an overdraft fee on my operating account. I have asked numerous times on numerous occasions for a solution so this doesnt occur as I constantly have over {$40000.00} in another checking account with them. I keep the funds separately for safety purposes and only put what I need on the operating account. 
They kept saying they can not set up an overdraft fee protection for me. Most likely so they can keep charging me the ridiculous fees. I have asked them several times to set up something where if the funds are not there, to decline the transaction. Which I can then request from the vendor to try again once I have moved the funds. They also could not do that. Again, so they can keep charging me the fees. Today XX/XX/year>, the representative I spoke with said that is something she can process for me. For the last couple of months, they led me to believe that is not possible. 
Since XXXX of XXXX XXXXhey have charged me a total of {$620.00} in these ridiculous fees.

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 2025-05-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Mercari, Inc.
State: MI

Complaint narrative:
I bought an item from an online marketplace Mercari. The purchase was made on XX/XX/year> and the item sold to me was not as described from the seller 's website, it was painted and touched up as well, indentations were on the item and not shown on the seller 's site and the item was XXXX instead of the XXXX XXXX  that I initially wanted and it smelled strongly of paint that I was XXXX  from the scent. I emailed the merchant Mercari about the incident and requested a return label to return the item back to the seller. Mercari sent me a misleading mislabeled return label and I caught the bus and the XXXX drop-off location that was issued to me and the clerk told me that it couldn't be shipped!! I asked why and he explained to me that it was mislabeled and I didn't want to make another trip to the location because of the mishap so they told me that I'd have to pay {$30.00} to edit the label and so I paid to have it done and after getting back home Mercari sent me a correct return label. So the seller received her merchandise back to her and Mercari refuses to refund me for the returned item that I shipped back to the seller. So I'm requesting that this case be evaluated and brought to a resolution and a refund that I rightfully deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-10 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: OH

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-10 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: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding a trade-in reported by santander Consumer USA XXXX I previously submitted a request for debt validation through the CFPB process, it has been determined that this alleged debt does not belong to Santander Consumer USA. 

Pursuant to my rights under the Fair Credit Reporting act, 15 U.S. Code 1681, and the fair debt collection practices act 15 U.S. Code 1692 I am requesting the permanent deletion of this account from all consumer reporting agencies. XXXX XXXX XXXX XXXX Santander Consumer USA has failed to provide lawful validation or proof of ownership of this account and continues to inaccurately report this debt, which is a violation of federal consumer protection laws. 

This reporting is causing unjust harm to my credit worthiness and financial opportunities, Since Santander has not substantiated their claim, this account must be removed immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.14XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a personal check from my son-in-law in the amount of {$34000.00} on XXXX XX/XX/year> into my checking account at the Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX I was not informed at that time that there would be any type of hold placed on this deposit. I confirmed that the funds had been removed from my son-in-laws account on XXXX XX/XX/year>. 

As the funds did not show up in my checking account at the Bank of America by XXXX XXXX, I met with the manager of the bank at XXXX XXXX XXXX XXXX  XXXX in XXXX, MO to request an explanation. I was told that there was a hold placed on the check due to the amount and the funds would not be available in my account until XXXX XX/XX/year>. I asked why the hold was placed on this check and I was told that it was done by the " back office '' with no further explanation.

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 monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I contacted Block Inc and Square to demand they not participate in funneling money to XXXX XXXX campaign built on illegal hate speech. There is now place for this anywhere, ever. Please hold them to account and do not allow them to funnel money to illegal campaigns. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
I am bringing this to the attention of all the three credit bureau that some information on my credit report are not mine nor do I authorize them, it is important to comply with the 15 USC 1681 for fairness reporting this is my last attempt to resolve this. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In short, I wrecked/totaled a KIA Carnival and through a process with both Progressive Insurance and my GAP Insurance , finally found the amount after receiving my statement from KIA, I was to pay for it to be paid off. I have no idea how many calls I made to KIA, XXXX, and the GAP insurance company trying to be updated on the progress. My check cleared KIA Finance America on XX/XX/year> and my bank on XX/XX/year>. The statement from KIA said payoff due date was XX/XX/year>. I got letters from KIA ( dated XX/XX/XXXX ), and XXXX XXXX ( dated XX/XX/XXXX ), saying the loan was paid in full. Then when checking my credit score as I did on a regular basis, I saw that on XX/XX/XXXX, my score dropped XXXX points! I researched and found KIA had charged off my loan with them. I called KIA and they said they would send a letter to the credit bureau saying the loan was paid in full, but would not reverse/ remove the charge off from my account!

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 2025-05-10 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:
I am writing to formally file a complaint regarding fraudulent information appearing in my credit report, despite my dispute with TransUnion. The following accounts do not belong to me and are the result of identity theft : XXXX XXXX XXXX XXXX  ( Docket Number : XXXX, XXXX XXXX XXXX  ) Filed on XX/XX/XXXX XXXX  XXXX ( Account Number : XXXX ) Opened on XX/XX/XXXX, High Balance : {$33000.00} XXXX XXXX  ( Account Number : XXXX ) Opened on XX/XX/XXXX, High Balance : {$2500.00} XXXX  XXXX XXXX ( Account Number : XXXX ) Opened on XX/XX/XXXX, High Balance : {$1300.00}

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Below please find the letter that I sent to XXXX XXXX, XXXX. She is the general counsel for PNC : XX/XX/year> XXXX XXXX, XXXX XXXX XXXX PNC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Fl. XXXX XXXX, PA XXXX Dear XXXX XXXX : XXXX sent this e-mail to you to rectify what I allege to be the improper recording of a transaction that resulted in my acquiring a negative balance for which I may be charged an overdraft fee. 

On XX/XX/year>, I went to an ATM that is in the XXXXXXXX XXXX XXXXt across the street from me. At the time that I went to the ATM, I had {$100.00} in my account. To ensure that there was enough money in the account to cover PNCs and the ATMs banking charges, I withdrew {$90.00} a little after XXXXXXXX XXXX Later on, I called PNC Bank and spoke with XXXX. I joked with her a little bit, explaining that the balance of {$190.00} was too high and that I should have no more than 3 in my account. She checked and said that the account was accurate. 

Today, on XX/XX/year>, I checked my account. My account was overdrawn {$110.00}, and the transaction history reflected that the {$90.00} that I withdrew on XX/XX/year>, was recorded as having occurred on XX/XX/year>. What is odd about this transaction is that on XX/XX/year>, I paid a yellow taxi {$20.00} with my PNC debit card well after XXXX XXXX however, PNC recorded the transaction on the same day. 

According to information that I XXXX XXXXXXXXXXXX XXXX  like PNC are responsible for recording ATM withdrawals on the same date as the transaction occurs. This is because ATM withdrawals are considered debits, and XXXX rules for Same Day ACH debits require the Effective Entry Date ( the date the transaction settles ) to be the same banking day as the processing date. 

Had PNC recorded both my withdrawal of {$90.00} and the current balance on XX/XX/year>, the day of the transaction, I would have adjusted my behavior accordingly. 

Lastly, please close my account to ensure that I am not charged further overdrafts. 

Thank you for your help. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I can no longer access my credit report anywhere. 
Not on the official websites for the 3 free reports annually. Nor on my bank, XXXX XXXX XXXX  No where at all.

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 2025-05-10 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: IL

Complaint narrative:
I am writing to raise serious concerns regarding multiple inaccuracies found on my credit report. Upon review, I identified several errors, including incorrect account listings, inaccurate accounts, inconsistent billing information, unauthorized inquiries, and accounts that do not belong to me. These discrepancies are significantly impacting my financial stability, and I require immediate assistance in resolving them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
I am writing to express my concerns regarding several issues on my credit report, including inaccurate account entries, unrecognized or incorrect accounts, and unauthorized credit inquiries.

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 2025-05-10 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: EQUIFAX, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation