vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
Loan depot is trying to charge me for XXXX months of payments that should have been paid but because their company changed policies they decided to take my payments off auto pay and not tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 non-monetary relief
Consumer complaint received 2025-07-31 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
b'I have thoroughly reviewed my records, and I can confirm that I did not authorize this inquiry. According to the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well.\n\n\nI kindly request that you investigate this matter and remove this inquiry from my credit report as it does not belong there.\n\nPlease confirm in writing once the inquiry has been removed, or if any additional documentation is needed to support my request.\nI appreciate your prompt attention to this matter. Should you need to contact me for any further information, I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
A XXXX Credit Card was opened in my name, which was even spelled wrong, spelled as XXXX XXXX, and a travel itinerary was booked for airline travel for someone else, they will not tell me ANY info. I first found out when the credit card arrived in the mail. I called XXXX to find out what happened and decline the charges and close the account. The charges were for airline travel for {$1700.00}. They declined to assist me saying I benefited from the charges. They wouldn't even provide me the credit card number to give to the police. The travel itinerary is in someone else 's name. I have filed a police report with my local municipality, XXXX OH the report number is # XXXX. I am now filing this complaint in hopes of resolving this issue.

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 2025-07-31 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: NJ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX at XXXX PM I received a notification from Venmo saying that {$300.00} was withdrawn from an ATM in XXXX XXXXXXXX XXXX. I was at the time in XXXX XXXX for my sons soccer game. I immediately locked my card and called Venmo to start the process of disputing the charge on Monday evening. I received an email that denied my dispute. The reasons they give for denying my dispute did not make any sense so I appealed the denial. One of the reasons for their denial was that I did not contact Venmo immediately I took a screenshot of my call log along with the transaction to prove that I had made the call immediately when noticing the unauthorized withdrawal. Another reason they denied my claim was saying that the funds were just put in the account and were immediately withdrawn, which is not true and I have also had the funds coming in from the same entity for about two years, so there is no falsification of funds or me trying to maliciously take the funds out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have no reason to falsify an ATM withdrawal based on my past record you can see that Im usually withdraw money from XXXX due to the fact that I dont have any fees with that ATM. I believe Venmo has not done a thorough enough investigation in to who and how this money was withdrawn from the account. They also denied my appeal without sending me an email or a reason why after submitting pictures and other evidence. I will attach all evidence and pictures to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX APOYO FINANC Date : XX/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 explanation
Consumer complaint received 2025-07-31 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:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a bill for a Capital One credit card that I did not open or authorize. I immediately contacted Capital One to report suspected fraud and formally requested all related records including the original application, date/time submitted, IP address and device used, phone number and email provided, mailing and billing address, any uploaded ID or verification documents, login and access history, card activation data, payment method ( s ). Capital One later sent me a letter stating that I am responsible for the account. When I asked for a copy of their investigation findings or any evidence supporting their decision, they refused to provide it. Instead of resolving the matter, they closed the account and sent it to collections. I did not apply for, use, or authorize this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 account was due to be removed from by credit report. I received a credit alert from Transunion saying the account status has been updated to CHARGE OFF which dropped my credit score. This update is factually inaccurate. Transunion is now reporting inaccurate information for this account. I have attached a copy of the Bankruptcy Schedule showing this creditor and my Bankruptcy Order of Discharge.

Creditor : XXXX XXXX XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Account is CURRENTLY being reported as Charge-Off/ '' Collection '', despite being included and XXXX in bankruptcy. This is now reporting inaccurately.

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 2025-07-31 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: WI

Complaint narrative:
Dear experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, Experian and Transunion. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX account # XXXX balance {$1300.00} and XXXX XXXX  XXXX XXXX account # XXXX balance {$12000.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: WI

Complaint narrative:
Dear experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, Experian and Transunion. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX account # XXXX balance {$1300.00} and XXXX XXXX  XXXX XXXX account # XXXX balance {$12000.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I reported suspected fraud on my Affirm debit card and requested that the card be canceled. Affirm acknowledged the issue but never followed through with canceling or closing the card. Ive called customer service multiple times over several days ( starting on [ XX/XX/2024, XXXX XXXX  } ) and each time I was either transferred, given inconsistent information, or promised a resolution that never came. 

Despite filing an internal complaint with Affirm, I have received no confirmation that the card was closed, and I remain at risk for fraud. This is unacceptable and negligent, especially given that this involves a compromised financial product. Im asking the CFPB to intervene and require Affirm to immediately cancel the compromised card, confirm the closure in writing, and ensure there is no liability to me for any fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Early in XXXX I have opened the card XXXX XXXX XXXX XXXX Barclays XXXX 
The original offer was for XXXX points to be credited to the account however when I asked the XXXX whether the Barclays will upgrade the offer to a different level if it will be matched, I was informed that yes bringing the total amount of points to be earned to XXXX. Subsequently I have used this card numerous times on my international business trips well in advance of the {$2000.00} spend required within the first XXXX days of the card 's opening. 
However it turned out that only XXXX points have been credit to my XXXX account. On XX/XX/XXXX I contacted Barclays ' customer service in both XXXX and the XXXX and the staff there was neither committal or authorized to address the issue. Instead of addressing the issues I was suggested to enter into some kind of open ended administrative process without a certain outcome at the end. I am sorry but I am a serious person and I expect to be treated seriously and not as some kind of " friend of a friend here. '' The way the call was handled shows a complete lack of professionalism on behalf of Barclays staff as well as disrespect as apparently Barclays does not appreciate the business given to it. 
Ironically I also added another authorized user on the account but even that doesn't make a difference on how bank is handling the 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 2025-07-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 non-monetary relief