vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-09-26 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I had a credit report sent out to me so that I could look over my credit report and these are one of the items that I noticed wasn't mine. I never owned a XXXX 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 2025-09-26 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: Oliphant United, Inc.
State: GA

Complaint narrative:
1. A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the organization terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the alleged owner without any break in the chain. 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status. 4. If any interest of fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 5. Proof that you are legally allowed to collect any alleged debt in the state of GEORGIA, including your third party debt collection bond. 6. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC V. OLIPHANT USA LLC makes clear that it debt parking without proper notice is a violation of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
This letter serves as a dispute of the late payment currently reported on my credit profile. The entry is incorrect, inconsistent with my documented payment records, and unjustly damaging to my credit reputation.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have been trying to close my Santander Credit Card for over a month now. I paid the balance off but the bank is still sending me emails on this account that should be closed. I am being told that it's being reported as BLOCKED but it should be closed.

I am going to contact an attorney and sue Santander. They should be sanctioned for not following the banking rules.

When I requested to have the card closed, the representative agreed that she would mark it closed by the consumer but that hasn't been done.

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 2025-09-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date of Last Payment:XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date of Last Payment : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} 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 2025-09-26 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: AZ

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/year> in the amount of {$890.00}, reported as a Collection, that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach.

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report, which I do not recognize and believe is the result of identity theft and fraud. The account is a {$890.00} collection opened at XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX This unauthorized account has resulted in fraudulent hard inquiries and collections being reported. I did not open or authorize this account or any related activity. I demand that this fraudulent account, along with all associated inquiries and collections, be removed from each of my consumer credit reports and that all collection activity cease immediately pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-09-26 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have notice a hard inquiry was made on my credit report, I reach out to XXXX XXXX to dispute it. attempting to have it remove, I even ask for their telephone number. Unfortunately they did not have their number. I was hoping to get some information rather or not a credit card was open under my name. The inquiry occur on XXXX/XXXX/2024 this has negatively effected my credit report, SYNCB/TJCO was the name appear on the 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Red River Credit Corporation
State: OK

Complaint narrative:
It appears that Red River Credit ( acc number XXXXXXXX XXXX XXXX XXXX XXXX ) is reporting incorrectly and inaccurately. It is reported on my credit report as a " charge off '', closed as of XX/XX/year>2025. I have not received a 1099c, and thus they are in violation of 15 USC 1681i, as well as 15 USC 1681s-2. There is incorrect, inaccurate, and unverified, false reporting being done. Also a breach of data and my personal information, as they have had third party collectors contact me and did not have my consent to share my personal information. I ask that this account be removed from my credit report as soon as possible as they are in violation of my rights.

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 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing regarding account XXXX, which you are reporting as a collection item. Under the FDCPA 15.USC.1962, I am requesting a debt Validation of this debt. Please provide complete information on the original creditor, original account number, the date the account was open, the last payment, the amount of the original debt, and itemized statement showing the amount of debt and any additional fees or charges. Also, please provide that you are authorized to collect debt in the state of Texas. If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act 15. USC. 1686, you must provide verification of this debt to those agencies upon request. Currently, I dispute the validity of this debt under 15 USC 1962. Please verify this debt in writing and provide all information requested above within 30 days. If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease. sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am disputing the presence of a fraudulent account on my credit report. This account does not belong to me, and I have never engaged in any activity related to it. The reporting is inaccurate, unverified, and damaging to my credit reputation.

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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX XXXX sued me in court their attorney has lied in court, XXXX XXXX continues to dodge responsibility for this lawsuit by claiming it was charged off and sold to Hunt & Henriques which is an illegal practice. XXXX XXXX XXXX XXXX XXXX is the title of the lawsuit # XXXX. I will attach relevant court docs that shows this information very clearly. XXXX XXXX has conspired with Hunt & Henriques how to best violate my rights, first charge off the debt so XXXX XXXX declined any responsibility for a settlement then XXXX XXXX sold the debt for profit to Hunt & Henriques who conspired in a meeting with XXXX  XXXX to violate my rights and by violating my rights I mean exactly that they conspired to sue me in court and then dodge responsibility by telling the state that the debt was charged off and given ( SOLD FOR PROFIT ) to Hunt & Henriques who have a very lengthy and hard record of violating consumers rights with terrible XXXX reviews as such as well XXXX below terrible reviews. XXXX XXXX is lying when they dodge responsibility, they are complicit in this matter to the core. I ask the State of California to hold them accountable legally I am willing to testify on behalf of the State. Currently XXXX XXXX has even made false credit reports all to cause harm without taking responsibility, they have said that I never did a settlement when in fact I hired attorney XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any application for credit, services, or employment that would lawfully permit them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for a permissible purpose and with proper authorization.

According to FCRA 604 ( 15 U.S.C. 1681b ), a hard inquiry requires either : A consumer 's express written authorization, or A permissible purpose related to an application for credit, insurance, employment, or similar transactions initiated by the consumer.

I did not authorize any of the inquiries listed above, nor was there any permissible purpose to justify them. As such, these inquiries represent a violation of my consumer rights, and may be indicative of identity theft, unauthorized access, or furnisher error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am disputing the late payment reflected on my credit file. This reporting is inaccurate and misrepresents my responsible payment behavior. I have consistently paid on time, and this negative mark is unjust, harmful, and misleading.

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 2025-09-26 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-09-26 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
This late mark distorts my otherwise perfect payment history. Please update my account by removing this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My account was charged {$34.00} and {$34.00} for two overdraft fees that occurred on Thursday XX/XX/year>. I received my paychecks on Friday XX/XX/year> and my account is up to balance. However, when contacting Chase bank to undo my overdraft fees, they stated that the request has been denied. ( I called three times ) As per Chases standard overdraft protection, if you are overdrafted and bring your account up to balance by the end of the next business day, you will not be charged overdraft fees. Chase refuses to honor this protection outlined in their policy and the charges amounting in {$68.00} remains in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX  i was unable to enter my cashapp account that had {$3000.00} in it. i have attempted to talk to customer service many times since then. This year i called customer service XX/XX/XXXXXXXX  and they said that my money had been sent to someone and that i authorized the transaction when i did NOT authorize that transaction nor was i able to access my account after XX/XX/XXXX. I am seeking to recover my lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation