vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I've been going through an incredibly stressful situation after being a victim of identity theft. All of the items I've listed are the result of fraudulent activity, this has had a very negative impact emotionally speaking, as I haven't found a way to put an end to this nightmare. I am very distressed, and the situation described has had adverse consequences on my credit, work, social, and even personal life. These are the items mentioned : DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card - opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened in XXXX. 
INQUIRIES : XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX. XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened XXXX XX/XX/XXXX. XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX opened on 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 non-monetary relief
Consumer complaint received 2025-08-07 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: Lendmark Financial Services
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to request an update to my personal profile information on my credit report. I recently reviewed my credit report and noticed some inaccuracies that need correction. 
I am requesting that the following inaccurate items be immediately investigated.

This request is in pursuant to FCRA 605B ( 15 U.S, C { 1681c-2 ) that you the XXXX  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 is fraudulent, inaccurate, and false information. 
XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This letter serves as a final and urgent follow-up to my previous disputes regarding the inaccurate and unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ transunion ] & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  currently being reported on my credit file.

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 2025-08-07 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}

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 2025-08-07 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 entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that lacks the name of the original creditor and has shown redundant collection entries monthly for over two years. This is misleading and appears to be re-aging the debt, which violates the FCRA ( 15 U.S.C. 1681c ( a ) ).

I submitted a dispute to Equifax, TransUnion and Experian requesting validation and a copy of the chain of title. They failed to provide proof that this debt is legally owed or that XXXX owns it. 

I am requesting that the CFPB investigate XXXX compliance with the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act regarding accurate and verifiable credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX, I was misled into signing a high-cost membership with XXXX XXXX XXXX XXXX XXXX XXXX under coercive and deceptive circumstances in the XXXX XXXX XXXX I was XXXX XXXX and pressured to sign without adequate time, information, or independent transportation. The promised benefits were misrepresented and never delivered. Monthly charges were made to my Chase Sapphire XXXX card, including a {$2000.00} charge posted on XX/XX/XXXX and followed by $ XXXX for XXXX  months and now $ XXXX for XXXX months term through XXXX XXXX. I did not know I could dispute these charges until XX/XX/XXXX. Upon contacting Chase, I was denied any dispute opportunity due to the XXXX chargeback deadline. However, Chase never reviewed the supporting evidence I offered or considered the merchants misconduct or unfair billing. My claim was denied solely on timing, not merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
In XX/XX/XXXX, I received XXXX XXXX orders set to begin in XX/XX/XXXX. I have been leasing my vehicle since XX/XX/XXXX. In XX/XX/XXXX, I contacted my car loan provider, Santander, to inquire about their Servicemembers Civil Relief Act ( SCRA ) policies. I was informed that they did not offer SCRA protections. When I asked about my options if SCRA relief was unavailable, I was told that repossession of the vehicle would be required. 
On XX/XX/XXXX, I returned my vehicle for repossession. Subsequently, on XX/XX/XXXX, I submitted my XXXX XXXX orders to Santander for further clarification regarding their SCRA policy, but received the same response. 
After consulting with a XXXX XXXX XXXXXXXX, I was advised to review Santanders SCRA policy myself, as the information provided did not seem accurate. Upon further investigation, I discovered that Santander does, in fact, offer SCRA protections and that my vehicle was repossessed unlawfully, as no court order was obtained. 
In XX/XX/XXXX, I contacted Santander again, requesting that the repossession be removed from my account and my contract terminated under SCRA provisions, as I was still on XXXX XXXX and my contract had been in effect for over 180 days since the commencement of my orders. I was informed that no action could be taken. 
I then sought legal assistance, and a formal SCRA request letter was sent to Santander. In response, Santander stated that I have a retail accountnot a leaseand claimed that SCRA protections do not apply. However, upon reviewing their policy, I confirmed that SCRA protections cover all vehicle contracts, including retail agreements. 

Just to note Santander requested for me to waive my SCRA rights in the document that is attached with this information. They sent me this document on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
b'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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXXXXXX )

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 2025-08-07 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:
Dear TransUnion I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaXXXX XXXX XXXX XXXX  TransUnion.To support this request, I have included the following documents : XXXX. A copy of my government-issued ID. XXXX. An Identity Theft Report from the FTC. XXXX. Proof of address Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Please confirm the account name, account number has been blocked and deleted within four ( 4 ) 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 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 2025-08-07 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:
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 # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank checking account ) on XX/XX/year>. In XXXX, my husband, sent me three Real-Time Payments from his XXXX  account totaling {$30000.00} : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} These were legitimate personal transfers between husband and wife. On XX/XX/XXXX, I attempted to transfer funds from my Citi account to another account under my husbands name. The transaction was blocked, so we called Citi directly. After verifying that the funds were legitimate and came from a known source, we were told to retry the transfer. 
On XX/XX/XXXX, I attempted the transaction again. Citis fraud department contacted us with additional questions. My husband and I provided full details, including the originating XXXX account, transaction IDs, and our relationship. We received no indication that anything was wrong. 
But the next day, on XX/XX/XXXX, my Citi account was locked and I lost online access. Then on XX/XX/XXXX, I received a letter stating that the account was being closed and that all funds in the account would be returned. 
However, when we followed up with the Citi Executive Response Center ( ERC ), representative XXXX XXXX ext. XXXX ) told us on XX/XX/XXXX that the funds would not be returned, and would remain frozen unless recalled by XXXX. This verbal position directly contradicts Citis written letter. 
Additionally, my husbands own Citibank account was closed shortly after mine, even though it had no direct involvement in these transactions. Citi provided no resolution, and the situation remains unresolved. 
The {$30000.00} was sent in good faith for urgent family use, including medical and travel expenses for a XXXX XXXX relative with XXXX. The account freeze and policy reversals have caused us significant financial and emotional hardship. 
I respectfully request that the CFPB : Require Citibank to return or release the {$30000.00} in accordance with their written communications ; Investigate the contradiction between Citis written and verbal positions ; Review the handling of my account closure and associated internal procedures ; Facilitate coordination between Citibank and XXXX, if necessary, to ensure the funds are properly recovered or returned.

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 2025-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-07 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: AR

Complaint narrative:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my XXXX  and credit XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my XXXX  and credit 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 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I requested immediate reinvestigation and either correction of inaccurate tradeline status being negative or delinquency being reported to the credit bureaus. I expected written confirmation of receipt and resolution within 30 days as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 filing this complaint against Equifax , Inc., for persistently inaccurate information contained in my credit reports, and for their failure to conduct reasonable reinvestigations of disputed items. These actions constitute violations of the Fair Credit Reporting Act ( FCRA ), notably : 15 U.S.C. 1681i ( FCRA 611 ) Failure to conduct reasonable reinvestigation.

15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) Failure to use reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c2 ( FCRA 605B ) Failure to implement identity-theft blocks and timely notify consumers. 
Legal & Regulatory Context In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order against Equifax ( XXXX XXXXXXXX ). The Bureau found that Equifax ignored consumer-submitted documents during investigations, allowed previously deleted inaccuracies to reappear, issued confusing communications, and used flawed software code that led to inaccurate credit scores all in violation of FCRA and the Consumer Financial Protection Act. Equifax agreed to pay a {$15.00} XXXX civil penalty to CFPBs victims relief fund.A separate investigation by the New York Attorney General revealed a coding error in XX/XX/XXXX, during which for XXXX weeks, Equifax delivered inaccurate data that wrongfully declined credit scores for over XXXX New Yorkers.Additionally, the XXXX data breach exposed sensitive personal information of XXXX XXXX XXXX consumers. Equifax later settled for up to {$700.00} XXXX with federal and state regulators, agreeing to significant consumer restitution and enhanced cybersecurity measures.I intend to attach relevant documentation, including XXXX CFPB consent order and case filings ( XXXX ), as evidence of systemic failures and regulatory findings, which demonstrate a pattern of behavior undermining consumer rights and credit accuracy.

Company response to consumer: Closed with non-monetary relief