vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 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 2025-07-10 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: TN

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the XXXX XXXX and stress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question 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 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 explanation
Consumer complaint received 2025-07-10 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: DE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date Of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, several accounts from XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX under account number XXXX, XXXX XXXX Bank on XX/XX/XXXX under account number XXXX, an auto loan from XXXX XXXX on XX/XX/XXXX under account number XXXX, a loan from XXXX XXXX XXXXXXXX and XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX Bank opened XX/XX/XXXX under account number XXXX. Inquiries from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-07-10 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-10 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: IL

Complaint narrative:
Company is reporting inaccurate late payments and charge-offs not in accordance with the FCRA lawful requirement of maximum accuracy. 

Under 15 U.S. Code 1666b -Timing of payments ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Need proof that each periodic statement was DELIVERED to the to the consumer not later than 21 days before the payment due date.

Income is not reported on a credit report. A charge-off is income per the Internal Revenue Service 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 2025-07-10 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: NC

Complaint narrative:
All transactions and charges on this account are fraudulent and I never benefited from any of it. I am expecting for a quick resolution to this issue, which I think would be fair enough considering the damages it has done to my life. I need you to prevent further harm and fraudulent activity of my information by removing these transactions from my report. 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 2025-07-10 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX Account 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint regarding a fraudulent account opened in my name with XXXX  XXXX and the failure of the credit reporting agencies to properly investigate and remove the information under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Account Information : Creditor : XXXX  XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX This account was opened without my knowledge or consent. I have submitted an FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX and placed a fraud alert on my credit. Despite these efforts, the account continues to appear on my credit reports and negatively impact my creditworthiness.

Legal Grounds : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Requires CRAs and furnishers to investigate disputes and block identity theft-related accounts.

FACTA ( 15 U.S.C. 1681c-1 ) : Grants the right to place fraud alerts and mandates heightened verification for account openings.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Establishes identity theft as a federal offense.

CFPB Action Requested : 1. Immediate and permanent deletion of the fraudulent XXXX XXXX account from all credit bureaus ( Equifax, Experian, and TransUnion ).

2. Written confirmation that the account will not be reinserted unless verified under full compliance with FCRA 611.

3. Enforcement of FCRA 605B to block this identity theft-related data based on my valid Identity Theft Report.

4. An investigation into XXXX XXXX and the credit bureaus for failing to fulfill their duties under FCRA and FACTA.

5. Restoration of my credit file, removing all derogatory remarks or damage tied to this account.

This fraudulent account has caused me unnecessary harm and distress. I respectfully request your assistance in protecting my rights under federal law and ensuring this matter is resolved swiftly and justly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint regarding a fraudulent account opened in my name with XXXX  XXXX and the failure of the credit reporting agencies to properly investigate and remove the information under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Account Information : Creditor : XXXX  XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX This account was opened without my knowledge or consent. I have submitted an FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX and placed a fraud alert on my credit. Despite these efforts, the account continues to appear on my credit reports and negatively impact my creditworthiness.

Legal Grounds : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Requires CRAs and furnishers to investigate disputes and block identity theft-related accounts.

FACTA ( 15 U.S.C. 1681c-1 ) : Grants the right to place fraud alerts and mandates heightened verification for account openings.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Establishes identity theft as a federal offense.

CFPB Action Requested : 1. Immediate and permanent deletion of the fraudulent XXXX XXXX account from all credit bureaus ( Equifax, Experian, and TransUnion ).

2. Written confirmation that the account will not be reinserted unless verified under full compliance with FCRA 611.

3. Enforcement of FCRA 605B to block this identity theft-related data based on my valid Identity Theft Report.

4. An investigation into XXXX XXXX and the credit bureaus for failing to fulfill their duties under FCRA and FACTA.

5. Restoration of my credit file, removing all derogatory remarks or damage tied to this account.

This fraudulent account has caused me unnecessary harm and distress. I respectfully request your assistance in protecting my rights under federal law and ensuring this matter is resolved swiftly and justly. 

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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am writing to formally request that Santander honor a verbal agreement made regarding my auto loan fee waiver under a documented hardship request. 

On XX/XX/XXXX, I contacted Santander and requested that {$420.00} in late fees be waived due to ongoing hardship related to my husbands XXXX treatment. I expressed my desire to pay off the loan in full as quickly as possible and asked for consideration due to my long payment history since XXXX. 

During this call, I was told only {$100.00} could be waived. I asked to speak to the hardship department and was transferred to a manager named XXXX on XX/XX/XXXX. XXXX informed me that while Santander typically does not waive fees over {$400.00}, he would speak to his own supervisor. After a brief hold, he returned and confirmed I was approved for a new pay off amount of {$4300.00}, reduced from my previous balance of nearly {$4800.00}. 

I immediately thanked him and confirmed that I would proceed with my scheduled past-due payment on XX/XX/XXXX, and then work toward paying the full payoff amount. 

However, when I called back today ( XX/XX/XXXX ) to ask why the updated payoff amount had not been reflected online, I was told by another customer service representative that only the {$100.00} fee waiver was recorded and there was no record of the full waiver XXXX had gotten approved. 

I am asking that Santander honor the original verbal agreement made on XX/XX/XXXX by a manager in your hardship department. I have made a good-faith effort to pay off this loan despite financial difficulties and believe it is only fair that Santander act in good faith as well. This waiver would allow me to close this loan account and move forward. 

Since that conversation : On XX/XX/XXXX, I paid {$280.00} On XX/XX/XXXX, I paid an additional {$650.00} To date, I have paid a total of {$940.00} since receiving the new payoff quote. Based on this, my current payoff balance should be reduced further ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$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 2025-07-10 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief