vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax regarding not being able to pull my report and lenders not able to pull my report in XX/XX/year>2025 which attempting to get finance. I called multiple time to be told there were no block or freeze then after a week still not able to pull my report I called Equifax back and was told that I had an internal block and I need to send a copy of my Id, social security card, current utility bill. The information was mailed priority mail to Equifax which was received on XX/XX/year>2025. I called a few days later and they confirm the items were receive and the internal block will be removed. I still continue to have problems getting my consumer report. Today XX/XX/scrub>/2025 I called multiple time because i'm at my breaking point because this matter is causing XXXX, hardship, and causing my job to be at risk because I'm attempting to finance a automobile. I called today XX/XX/year>2025 and was transferred to a specialty depart within Equifax which confirm there was a internal block. The individual stated that block will be removed in a hour, this was around XXXX est time. I checked my Equifax online at XXXX est and now i'm getting a error message requesting for me to call an agent and provide them with the CODE BLNK. I called and spoke with a agent that confirm he not longer see a internal block but they need to open a ticket regarding the error code and my report show no information. or not able to pull report. The agent stated give them 24 hrs and I will receive an email from their technical department then the call was ended. I called right back to verify the information that agent to gave me and was told the same thing but this agent gave me a case/ticket # XXXX and told me it will take 1 hour to receive an email from Equifax technical department. I waited over an hour and call back to Equifax at XXXX XXXX  and spoke with a female agent which verified she see the ticket escalated to technical department which will take XXXX business days to receive an email. I advised her I was told that an email will be received from the technical department in 1 hour. She advised that information was incorrect. This matter is being escalated to CFPB due the incompetency from Equifax is causing major inconvenience, XXXX, jeopardizing my job due to i'm attempting to get finance for vehicle to get to work and for other pesonal use. I request this matter get resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX Email : XXXX | Phone : ( XXXX ) XXXX SSN : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Regarding Fraudulent Account Gemini/WebBank To Whom It May Concern : I am submitting a complaint regarding a fraudulent XXXX account being reported in my name. The account number is XXXX, showing a charged-off balance of {$4700.00}. 
This account was not opened by me. I am the victim of identity theft and have filed an official report with the FTC ( FTC Report # XXXX ). Despite my disputes with the credit bureaus, the account continues to appear on my reports. 
I request that your office review this matter and take appropriate action to ensure that XXXX removes this fraudulent account. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/scrub> 2025 I sent a certified letter to TransUnion attaching my drivers license, social security card, and a utility requesting an update to information that was incorrect on my credit report. Though my address and name was added to my credit report TransUnion is still supplying incorrect information. My name and only name is XXXX XXXX and I live XXXX Illinois XXXX. TransUnion is reporting an address of XXXX XXXX XXXX on my credit report that does not belong to me.

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 2025-09-13 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: UT

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 2025-09-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting that Experian comply with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to block fraudulent information within 4 business days of receiving a valid Identity Theft Report and supporting documentation. I submitted two FTC Identity Theft Reports to Experian on XX/XX/XXXX, along with a copy of my government-issued ID and a formal request to block the fraudulent accounts. This satisfies the FCRAs documentation requirements. 
Despite this, Experian has refused to block the items and is now demanding a police report, which imposes an unnecessary financial and logistical burden. I filed a third FTC report today for additional fraudulent accounts, and Experian has acknowledged that I may upload that report separately. 

I am requesting that Experian : Immediately block the fraudulent accounts associated with the FTC reports submitted on XX/XX/XXXX and XX/XX/XXXX. 
Accept all three FTC Identity Theft Reports as valid documentation under the FCRA. 
Provide me with a free updated credit report and credit score once the fraudulent items have been removed, so I can verify that my credit profile has been restored accurately.

Experians refusal to act within the required timeframe and their demand for additional documentation contradict the FCRA and delay resolution of a serious identity theft issue. I am asking the CFPB to intervene and ensure my rights are upheld. 

Original Complaint Reference Number : XXXX The FTC Report numbers are : - FTC Report # 1 : XXXX - FTC Report # 2 : XXXX - FTC Report # 3 : 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 2025-09-13 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:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX around XXXX XXXX, American Express suddenly suspended all of our companys corporate cards immediately after a phone call in which their representative requested sensitive documents ( bank statements and payroll records ). I requested that the request be sent via email for security and record-keeping purposes. However, the agent refused to provide any written request and insisted on asking for sensitive information only over the phone. I believe this practice is unreasonable and may raise compliance or legality concerns, as there is no proper documentation or accountability. 

Instead of cooperating, American Express suspended our accounts without prior written notice or explanation. 

This suspension caused serious disruption to our business operations. Our corporate cards are directly linked to automatic payments, including XXXX, XXXX and XXXX advertising accounts, which were interrupted. This has already resulted in financial losses, campaign disruptions, and reputational damage. 

Although the cards have since been reinstated today, American Express has refused to provide any meaningful explanation, formal apology, or assurance that such actions will not occur again. Their customer service agents have been indifferent and dismissive throughout, showing no concern for the impact on our company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX Bankruptcy Case NumbeXXXX : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I noticed some charges to my account early one morning on my laptop, so I went to call the bank, well I couldn't find my phone, so I went to neighbors and used there phone to advise the bank of what was happening, I thought I mite have left my phone at work at first, or laid it down at the store, and forgot it, but after, seeing charges to my account, I realized someone had stolen my phone hacked into my online bank account set up a virtual card and were making charges, so later that same morning, at my break at work I called chime, told them what was going on and asked them to cancel virtual, close account, whatever they need to do to stop new charges, they would not do that, they sent me to a fraud specialist, he did nothing accept transfer me to someone else, well in this process I was directed to there main operator, and he dropped my call, I called them again that afternoon to no avail, the next day called them again and I could not give them the security info to prove who I was, because the thief had changed all that information, so they would not even talk to me about that account.so I searched around my house and found my old phone, charged it up and got service on it to access my account thru their app, I contacted them 4 a week straight, no help, to a total of about XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
They have posted their claim of debt online. So now its public? No privacy?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
While living in Georgia I started getting XXXX XXXX  notices in the mail for a XXXX XXXX in New Jersey. A car I wasn't aware was being bought or even was acquired since I did not sign anything & was not physically present for purchase. A cousin of mine told me that she used me as a cosigner and not to worry because she would pay the tickets off. I got a call from a collection agency XXXX XX/XX/XXXX stating that the car purchased was solely in my name and the loan was in collections due to non payment. I called Santander Bank to look up the account and see how it was created without my consent with the wrong social security number and forged signature since I was not aware of a purchase. I was not present at the time of purchase nor notified by XXXX XXXX XXXX. I did not apply for insurance for the vehicle. My NJ drivers license is now suspended due to her non payment of XXXX XXXX  tickets. The original loan amount was {$32000.00}. It now sits at {$15000.00} with XXXX XXXX  after being auctioned at a tow yard due to non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Title 15 subsection 1611. False and misleading denial of my own credit .. Is it possible for me to speak to the underwriter? Or just have them email me back please.

The entire consumer transaction is predicted on my unlimited credit. How rude .. S6E subsection 1611 says different. Please send this code and message to the underwriter. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

PLAZA SERVIC Account Number : XXXX Please remove it from my credit report. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
PLAZA SERVIC Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I am currently enrolled in a debt consolidation program and have clearly communicated this to OneMain Financial. Despite this, I continue to receive excessive and inappropriate contact from their representatives. 

They have been calling me 34 times daily, including weekends, and during after-hours between XXXX XXXX  and XXXX XXXX. I have been receiving texts from them. 

They have called me at my place of employment, and even obtained my XXXX XXXX  phone number to contact me that way as well. 

I have provided OneMain Financial with the contact information for my consolidation firm on two separate occasions, yet they continue to call me directly. 

This repeated and intrusive contact, after I have directed them to communicate with my debt consolidation firm, is causing undue XXXX  and I now consider it harassment. 

I respectfully request that this matter be investigated and that OneMain Financial be instructed to cease direct contact with me, and instead communicate only with my debt consolidation provider as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My information has been exposed to a data breach. There has been several debt collectors contacting me and harassing me. FCRA 605B states that this information should be BLOCKED immediately while the FTC investigates.

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