vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 am writing to formally request the removal of several unauthorized and fraudulent inquiries that appear on my credit report. I recently obtained copies of my credit reports and discovered multiple credit inquiries that I did not authorize or initiate. These inquiries were made without my knowledge or consent and are the result of identity theft or fraud.

Please conduct an investigation into these inquiries and remove them from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and authorized information be reported. 

XXXX XXXX XXXX XXXX Automobile Financing Company Individual XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used Individual XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing Individual XXXX XXXX XXXX XXXX4

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 2025-11-12 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: OK

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-12 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: OK

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had 2 checking accounts entered as forms of payment, I asked through the system to delete the old one since I closed the checking account due to fraud, I had a new one entered as auto pay, I never received 1 call, an email or a notice that this account had not been paid, I thought it was on autopay. I started seeing through all my credit apps like XXXX  I had a 30 day late when it shouldn't have been. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX admitted an error in cancelling my autopay without my consent which resulted in a XXXX past due being reported to the credit bureaus. 

XXXX separate XXXX  XXXX XXXX XXXX acknowledged that this was a widespread issue and assured me that the delinquency reported to the credit bureaus, caused entirely by their error, would be reversed. 

Despite these assurances, I received a letter stating that the matter was investigated and that the reversal would not occur. This directly contradicts the commitments made by multiple agents and fails to address the harm caused by their mistake.

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 2025-11-12 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft, and my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts have been opened in my name without my authorization. 

Recently, I was informed that TransUnion completed an investigation and claimed that my dispute did not originate from me. This is false. I personally submitted this dispute, and I request that you reinvestigate my claims in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following accounts are not mine and must be blocked and removed from my credit report immediately, per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have attached the following documents : A copy of my government-issued identification Proof of residence A copy of my FTC Identity Theft Report ( and/or police report, if applicable ) Please conduct a thorough reinvestigation and provide written confirmation once these fraudulent accounts have been deleted from my credit file. 

If you require any additional information, you XXXX contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this urgent matter

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 2025-11-12 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The accident happened on XXXX XXXX the time XXXX went to the citi bank ATM XXXX XXXX XXXX XXXX XXXX take out money as I went in the bank I see a lady and a young man over her by the next ATM so moved to the next one and as I attempt to withdrawal the young man approache me from behind and saying miss that ATM is not working oh XXXX XXXX I'm just trying to help you i work in security oh your XXXX, he kept repeating XXXX so I was confused and distracted in the then he started use sleight movements with his hands i was so confused, And then he directed me to go to the other ATM as I tried he started again oh XXXX XXXX that ATM is not working so then I moved away i said what you're playing games they I walk ed out he follows behind me he goes up and l down then I said to my self what just happened I check my phone on my account and it showed withdrawal of XXXX dallor I ran back inside the bank and there was people in the office I bang on the glass and said I was just scammed of XXXX dallar right now and the lady in the office said call the number on back of your card which I did and I told them everything, this is my XXXX dispute with the bank twice they didn't honor my request to reimburse my money so I went and filed a police report, So the bank or they saying is that they completed their research and that records indicate that the transaction was made from my account with my citibank debit XXXX yes, but I didn't authorize that fraudulent withdrawal They can check the cameras

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 2025-11-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-12 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I signed up for a XXXX account on XX/XX/XXXX, to use their point of sale system for my business. After setting everything up, I ran a small {$1.00} manual test charge on my own debit card to confirm that the POS system worked. Shortly after, I received an email from XXXX saying they needed to verify something related to the first payment. 

A few hours later, I received another email saying my account was permanently deactivated because of activity that their platform is unable to support. I did not process any real customer transactions or violate any terms. The only transaction was the {$1.00} test charge on my own card. 

Squares email also said they will hold my funds for 90 days, to be released after XX/XX/XXXX. I contacted them for clarification, but they have not provided any explanation or details about what activity caused this. This appears to be an unfair and mistaken account closure with funds being held without valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute Explanation XXXX XXXXccount Equifax Confirmation # : XXXX Dispute Explanation : I am disputing the XXXX XXXX account showing as delinquent XXXX The account was fully paid in XX/XX/year> through my XXXX  XXXX XXXX checking account. I was on autopay, and when I closed the account, XXXX XXXX XXXX final payoff amount of {$230.00}, in addition to my regular monthly charge of {$130.00}. 
Both payments cleared on my XX/XX/year> bank statement ( attached ) : XX/XX/year> XXXX Auto Pay {$130.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX$230.00} These payments satisfied the account in full, so any late or unpaid status is incorrect. Please reinvestigate this entry and remove or correct the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Date of Incident : XX/XX/year> Company : Santander Bank Branch Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX am filing this complaint due to discriminatory treatment and a denial of service I experienced while attempting to make a standard cash deposit at the Santander branch listed above. 

On XX/XX/year>, I went to the branch to deposit {$500.00} in legitimate XXXX currency. A few of the bills had minor, visible printer ink on them from an everyday accident. 

Upon presenting the cash, the teller immediately adopted an unprofessional, disrespectful demeanor. She did not follow standard banking procedure, which would have involved using a counterfeit-detection pen for quick verification. Instead, she initiated a prolonged, theatrical, and multi-person visual inspection of the bills. 

Crucially, I had observed another customer depositing cash immediately before me without any such scrutiny, indicating I was singled out. 

After a second employee verified the bills and returned them, the first teller still refused to complete my deposit. Her hostile attitude, including comments that she had to stop her other work to " help '' me, created an intimidating environment. 

When I objected to this treatment and demanded the return of my property, the branch XXXX became involved. The XXXX instructed the teller to " give her back her money. '' This order is critical proof that the bank knew the currency was legitimate, as federal law requires the confiscation of any bill suspected of being counterfeit. 

The XXXX then escalated the situation by threatening to call security, which was merely an intimidation tactic. This resulted in a complete denial of service, as I was unable to deposit my funds. 

This is not an isolated incident. I have a history of experiencing obstructive and inconsistent treatment from staff at multiple Santander branches, including a previous incident at their branch at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX during the pandemic, when I was unnecessarily denied service until I escalated the matter externally. I believe the fact that the staff involved in these repeated incidents share the same XXXX background is a relevant factor in this pattern of discrimination.

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 2025-11-12 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: CA

Complaint narrative:
Could you review this entry? It appears late and might contain errors.

Company response to consumer: Closed with non-monetary relief