vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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 have been checked my credit and I found the XXXX XXXX XXXX XXXX from Transunion. I never apply the " XXXX XXXX '', the personal loan. I requested the dispute it, but it cancelled because The " XXXX XXXX '' did not accept the dispute.

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 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
the XXXX went out they sold me a XXXX XXXX they wouldnt replace it

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 2025-06-22 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: TN

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax : Equifax 's credit report for me contains numerous fraudulent and inaccurate entries, including unauthorized names, addresses, phone numbers, and several accounts with which I have not contracted or that do NOT belong to me. These discrepancies are unique to EQUIFAX, appearing differently or not at all compared to other credit reporting agencies. This false reporting is severely HARMING my ability to obtain credit. I demand IMMEDIATE removal of all such erroneous items. A COMPLETE breakdown and specific list of these issues is provided in the comprehensive documentation uploaded herewith for your thorough verification and enforcement action against EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NC

Complaint narrative:
I am a victim of identify theft. Someone has used my personal information to open up a credit card and student loans. Ive never gave anyone permission or authorization to open any accounts in my name without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was targeted in a scam by criminals impersonating the Chase Fraud Department. I was contacted by a phone number that appeared - via online search results- to be a legitimate Chase Fraud Department number. The caller impersonated Chase personnel with a high degree of sophistication, using social engineering tactics and coercion. Believing I was working with Chase to prevent fraud, I was manipulated into initiating XXXX wires totaling {$50000.00}. There were an additional XXXX attempts, with one being canceled ( {$8100.00} ) and three being rejected ( {$8100.00}, {$7900.00}, {$6200.00} ). These funds were quickly moved out of my account, and Chase did not flag or block the wires despite the size, frequency, irregularity and sudden nature of the activity.

In addition to the wire transfers, I was coerced into going to a Chase branch and withdrawing {$15000.00} in cash to deposit back into a Chase account which they stated was created for me to protect the last amount of my money. Believing that the digital new account they created through my XXXX wallet ( which was exactly the same as my current card ), it was revealed to be the fraudsters ' own account which was also through Chase. Despite the {$50000.00} having already left my account through wires, no fraud alert or account freeze was placed by Chase to prevent this large in person withdrawal. 

The compromised account only had {$20000.00} at the time. Chase allowed the additional {$30000.00} in wires to be transferred from my savings via overdraft protection, without alerting me or requiring approval. 

Chase has denied my fraud claim, citing that the wires were " authorized ''. In addition, they would not allow me to submit a claim for the {$15000.00} cash. However, their fraud prevention systems failed. There was : No intervention during the obvious pattern of unusual transactions ; No communication or warning during overdraft transfers and cash withdrawal No limit on overdraft uses for wire transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NY

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 rectify these issues. 

Account Name 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-06-22 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-06-22 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: SC

Complaint narrative:
Please block this information from my credit report within XXXX business days pursuant to section XXXX the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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 2025-06-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXXAccount number : XXXX XXXX XXXX - XX/XX/year>

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Im filing this complaint against Santander Consumer USA for illegal re-aging, inaccurate reporting, and willful violation of the Fair Credit Reporting Act ( FCRA ), including the manipulation of account status following successful dispute resolutions.

This auto loan account was marked closed as of XX/XX/XXXX, with a {$0.00} balance and the remark Paid Profit and Loss reflected across all three credit bureaus. I disputed the accuracy of this account twice first on XX/XX/XXXX for an incorrect high balance, an inaccurate date of last activity re-aged accounts, " reinsertion without proper notice '', an undated late payment, a charge off listed as open a collection account with a limit. 

Then again on XX/XX/XXXX for inaccurate dates and balances. Both disputes were approved, confirming that the information Santander had furnished was inaccurate.

However, just four days after the most recent resolution, on XX/XX/XXXX, Santander re-reported the same account, this time showing a new balance of {$24000.00} and changing the remark to Profit and Loss Write-Off. This sudden re-reporting caused a XXXX drop in my credit score and directly contradicted the outcomes of both prior disputes.

This re-reporting : Ignores and undermines the previous dispute resolutions Reopens a closed, resolved account without justification Creates the false appearance of recent delinquency, constituting illegal re-aging under FCRA 605 ( c ) and 623 ( a ) ( 5 ) Was carried out without any written notice,
billing, or explanation as required by FCRA 623 ( a ) ( 7 ) and 615 ( a ) There was no new contract, no payment, and no communication to justify this update. My last payment for the vehicle was in XX/XX/XXXX, and it was towed in XX/XX/XXXX following an accident that rendered the vehicle undrivable. As shown in one of the attached screenshots, they falsely report the last payment as XX/XX/XXXX a date that is blatantly inaccurate. Additionally, I was never contacted by Santander regarding any risk of repossession, nor was I given an opportunity to resolve the situation. In fact, I only learned that the vehicle had been repossessed by viewing my XXXX  credit report not through any notice, call, or correspondence from Santander. This failure to notify me of such a serious derogatory action further violates FCRA 623 ( a ) ( 7 ) and 615 ( a ).

Santanders actions are not only materially inaccurate they are predatory and appear retaliatory, occurring just days after I successfully challenged and corrected their reporting. This behavior reflects a pattern of noncompliance and disregard for consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NY

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 rectify these issues. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, a XXXX late payment was reported on my XXXX XXXX ( XXXX ) account, XXXX though the account had been closed since XX/XX/XXXX. This is factually and legally impossible. I have disputed this inaccurate reporting with TransUnion and the creditor multiple times over the past XXXX years. I also submitted a full identity theft report, including my state ID, birth certificate, Social Security card, proof of address, and an official police report. 

Under FCRA 1681c-2, TransUnion is required to block fraudulent data within four business days of receiving such documentation. Despite this, the inaccurate late payment remains. The data furnisher has failed to provide any supporting evidence, such as billing statements or proof the account was open in XX/XX/XXXX. 

This ongoing violation is harming my credit score and financial opportunities. I am requesting immediate intervention to enforce the FCRA and require deletion of the unverified and fraudulent information.

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 2025-06-22 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: LA

Complaint narrative:
XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several ongoing and unresolved issues with my XXXX account, which have persisted for several months without correction, despite multiple attempts to seek resolution. 
Specifically, my account has consistently reflected a balance of approximately {$700.00}, regardless of continuous payments made toward both system-reported debt and outstanding purchases. This stagnant and inaccurate balance suggests either a system error or internal mismanagement of my account records. 
I have raised this matter previously, citing its origin as a result of a cancelled XXXX order and associated credit, which was never properly reflected on my account. That transaction occurred nearly a year ago, and to date, no corrective action has been taken. 
Furthermore, I have made numerous payments directly following purchases, which should have reduced the outstanding balance accordingly. However, the account balance has not changed, and continues to inaccurately report a debt that I DO NOT owe. 
To compound matters, XXXX unilaterally and without notice revoked my {$2000.00} credit limit, reducing it to approximately {$30.00}. This sudden change was made without prior warning, in violation of fair credit practices and potentially as a tactic to incur over-limit fees. 
While I intend to pursue the matter of the credit limit separately, I want to be clear : the primary dispute is the repeated overcharging and failure to credit my account properly, resulting in an inaccurate and unjustified balance that does not reflect my actual usage or payment history. 
I am demanding a full audit of my account and a written explanation, including documentation, of all charges, credits, and payment activity from the last 12 months and beyond. I also request immediate correction of the reported balance and removal of any wrongful debt or interest that has accrued as a result of XXXX failure to properly manage my account.I do NOT owe said amount owed

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested that each of the credit reporting agencies correct my personal information, such as my address, and they have not done so. I am unable to get a copy of my credit report because they will not send XXXX to me. I am requesting that they update my address and send me a copy of my credit report. 

My address iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NY

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 rectify these issues. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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