vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information in my credit report provided by your agency. After reviewing the report, I have identified the following item that appears to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) : Creditor XXXX XXXX XXXX Account ID : XXXX I do not recall ever being late on this account. Additionally, I have found inconsistencies in how this account is reported across the three major credit bureaus. I respectfully request that you verify this account, and that you update the report to reflect no late payments, as this information is incorrect.

This discrepancy is of serious concern to me, as I am currently in the process of applying for a loan, and any inaccuracies could impact my eligibility.

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 2025-04-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX  Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion and equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: NY

Complaint narrative:
I paid off my XXXX account before they closed. This company claims I owe them money because of that account. Ive sent proof, requested debt validation multiple timesthey never provide it. Ive called and explained, submitted documents they asked for, and disputed the account with XXXX and XXXX. Their only response is essentially you owe us money no explanation, no validation. How is it allowed that a company can just say I owe them and hurt my credit without actually proving it? This process is broken if all they have to do is respond and it's accepted as truth. What is the purpose of requesting debt validation and filing disputes? My last complaint about this company went unresponded to for almost over 60 days.. the only reason they responded is because I filed a XXXX dispute then the next day they respond to the complaint. You guys are letting this company get away with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX i deposited two settlement checks in the amount of {$26000.00} with TD bank. I was told initially that it would take 3 days to clear and then it switched to 6 days once i logged into the app to check the status. Excluding weekends, that would make the check available on XX/XX/XXXX. I called and spoke to someone on yesterday XX/XX/XXXX named XXXX in the Fraud department who told me she would put in a request to release funds and that it would be available by the end of the business day. Today XX/XX/XXXX ( Sunday ) i look in my account and the funds are still pending verification. I called back and spoke with a representative who stated that the funds request was denied because of a balance I owed them which was not true. They are not giving me valid reasons as to why my funds are on hold exceeding the time frame given to me initially. It completely scares me that my life savings are in this account and Im being told false information as to why funds havent been released. They also changed the deposit date from the XXXX to the XXXX which I did not deposit this on the XXXX- it was deposited on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-13 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I applied for an XXXX  credit card under Credit Karma Guarantee and was declined. Due to being declined I was supposed to receive a {$50.00} visa gift card that I have selected. As of todays date I still have not received the {$50.00} visa gift card that I have selected. I have only received an email stating the gift card is on the way and not the actual gift card. I have been waiting on the gift card since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
We call the XXXX XXXX credit card, told both of us. The account was closed and it would be explain in a letter. Well letter came, said nothing. File a police report for identity theft now XXXX XXXX and myself XXXX XXXX have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Santander Violation of Consumer Rights To Whom It May Concern, I am filing this formal complaint against Santander regarding their handling of an alleged debt associated with Account No. XXXX, which I believe is being reported and collected in violation of multiple federal consumer protection laws. I am requesting your immediate assistance in investigating this matter and protecting my rights under the law. 
Alleged Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : Santander has failed to provide a clear and complete itemization of the alleged debt. I have not received any documentation that breaks down the amount being claimed, including interest, fees, or payments.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The required itemization date, which is necessary for understanding the legitimacy and age of the debt, was not disclosed in any communication I received.

3. 12 CFR 1006.34 ( d ) : The validation notice provided by Santander does not meet legal standards and does not allow me to meaningfully dispute the debt. The lack of transparency and clarity has hindered my ability to assert my consumer rights.

4. 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) : Santander did not provide me with proper notice that negative information regarding this account was being or would be furnished to consumer reporting agencies. This notice is required by law to be sent within 30 days.

Requested Action : I respectfully request the CFPB to : Investigate Santanders actions and hold them accountable for the above violations.

Order Santander to cease all collection efforts on this account immediately.

Require Santander to provide a legally compliant validation of the debt.

Request full removal of this account from all consumer credit reports, as it is being reported in violation of the law and without proper validation.

Take any necessary enforcement actions to ensure compliance and prevent future violations.

Thank you for your assistance in this matter. I have included any supporting documentation available and am happy to provide more upon request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I requested to opt out of all third-party data sharing and reporting via XXXX XXXX  XXXX Please suppress my information from future use and remove it from active databases. 

15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-13 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for reporting inaccurate and misleading information to the credit reporting agencies Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have identified multiple inaccuracies related to this account, including : Incorrect or inconsistent account number Inaccurate status updates Incorrect balance reporting Erroneous late payment entries Inaccurate payment history details These discrepancies do not accurately reflect my account status or payment history and are causing undue harm to my credit profile. I have already attempted to resolve these issues by disputing the information directly with the credit bureaus, but the errors have not been corrected. 

Under the FCRA, I am entitled to have only accurate, complete, and verifiable information included in my consumer credit file. Therefore, I respectfully request that the CFPB investigate this matter and take any necessary action to ensure that the inaccurate information reported by XXXX XXXX XXXX is either corrected or removed entirely from all three major credit reports. 

I have attached any relevant documentation to support my claim. Thank you for your attention to this matterI look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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:
I am writing to file a formal complaint against XXXX XXXX XXXX for reporting inaccurate and misleading information to the credit reporting agencies Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have identified multiple inaccuracies related to this account, including : Incorrect or inconsistent account number Inaccurate status updates Incorrect balance reporting Erroneous late payment entries Inaccurate payment history details These discrepancies do not accurately reflect my account status or payment history and are causing undue harm to my credit profile. I have already attempted to resolve these issues by disputing the information directly with the credit bureaus, but the errors have not been corrected. 

Under the FCRA, I am entitled to have only accurate, complete, and verifiable information included in my consumer credit file. Therefore, I respectfully request that the CFPB investigate this matter and take any necessary action to ensure that the inaccurate information reported by XXXX XXXX XXXX is either corrected or removed entirely from all three major credit reports. 

I have attached any relevant documentation to support my claim. Thank you for your attention to this matterI look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
Looked at my credit file and spotted credit inquiries that I was not aware of. The credit reporting agencies are not allowed to provide my personal information without my approval, whether online or via mail. According to the FCRA, it is direct violation.

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 2025-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NFCU appears to be working with some outside organization to create a security breach that would substantiate/validate a claim against my professional credentials of XXXX. 

On XX/XX/year> after my car got totaled and I was disorientated, NFCU put up a proxy server that required a total breach of security : SSN, account info, DOB etc. Because I was discombobulated I did this but then called to say there was a XXXX  incident. At that point the call was recorded and I stated that " I should have known better since I work in the industry ''. 

NFCU attempted this again on XXXX XXXX. 

In addition, NFCU was attempting in XX/XX/year> to frame the narrative that I was behind/late in my mortgage -- which I was not, I paid it on the date they sent the text. This month my funds were also low but did not receive a text message from NFCU, just an email, which created a three day delay to pay the mortgage. 

Lastly, NFCU allowed XXXX payments to a phone number but my XXXX account was already set up with XXXX XXXX. Apparently NFCU did not abide by the requirement of one-to-one matching of XXXX phone number to one account, which would be a breach in protocol.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I have asked for a copy of my wet signature with no response for any of the companies that I have asked for the company to send.

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