vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding deceptive and inconsistent billing at the end of my vehicle lease. I leased a XXXX XXXX XXXX XXXX and returned it on XX/XX/XXXX. Prior to returning the vehicle, I called XXXX XXXXXXXX to confirm my exact end-of-lease costs. I was told that I would only owe my final lease payment and a {$390.00} disposition fee. I relied on that information to return the car on time and in good condition. 

Instead, I received a bill for {$1500.00}, which includes a {$1000.00} early termination charge that was never disclosed in the phone call. I immediately questioned the charges and requested an escalation and for them to review the phone call I had with their representative. Despite multiple follow-ups, I have received no resolutiononly delays and inconsistent answers. They now claim the charges are " in the contract, '' but I clearly asked for a direct answer on the phone and was not told anything about this early termination fee. 

On top of that, my final lease payment of {$650.00} was not credited correctly. Page 2 of the bill shows they applied that amount against the early termination charge rather than recognizing it as my final payment, which is completely misleading and incorrect. 

In total, I paid XXXX lease payments of {$650.00}, plus a {$5000.00} down payment ( including first month lease payment ) totaling XXXX lease payments. I turned the car in early and responsibly, based on the information I was given over the phone. I am now being charged for depreciation or value loss that should be the banks responsibility since I did not purchase the vehicle. 

I am requesting the Consumer Financial Protection Bureau 's assistance in having XXXX XXXX remove the {$1000.00} early termination charge and correct the handling of my final lease payment. I also want them to investigate their misleading phone practices and failure to honor what their representatives tell customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-02 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4600.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX 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 2025-05-02 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: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
On XX/XX/XXXX a XXXX XXXX credit card was opened and started reporting on my credit report. The balance of that account is {$22000.00} as of XX/XX/XXXX. That particular account is linked to an old address of mine. The address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. The address hasn't been in use by me since XXXX before the account was even opened. I haven't lived in that area since XX/XX/XXXX. But the account was opened and is linked to that address. I am a victim of identity theft. Someone took advantage of my information and vacant address to get this account under me and misuse 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint against Experian Information Solutions Inc. for failing to provide me with proper access to my credit report and for obstructing my legal right to dispute inaccurate information. 

Despite mailing multiple letters with valid proof of my identity and current address, I have been repeatedly denied access to view my credit report online. Each time, Experian responded with instructions to call their office to verify my identity. However, when I followed their instructions and contacted customer service, the representative failed to verify my identity and took no further action to grant me accessdespite the fact that all required documentation had already been submitted multiple times. 

This behavior has made it impossible for me to monitor or dispute inaccurate information on my credit file, and it directly violates several consumer protection laws : Key Legal Violations : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g and 1681i Under 1681g, I have the right to obtain all information in my credit file.

Under 1681i, I have the right to dispute incomplete or inaccurate information, and Experian is legally obligated to conduct a reasonable reinvestigation.

By denying me access to my own credit report and the ability to dispute information, Experian is violating these statutory protections.

Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) Section 1031 prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ).

Experians repeated refusal to verify my identity by phone and their failure to honor previously submitted documents constitutes an unfair and abusive business practice. 
CFPB White Paper on Credit Reporting ( XXXX XXXX ) As stated in Key Dimensions and Processes in the U.S. Credit Reporting System, consumers play a critical role in maintaining the accuracy of credit reports. 
By blocking access, Experian undermines this essential oversight function and the integrity of the credit reporting system as a whole.

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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Synchrony CareCredit credit card. This week I received a new card with a letter that says " Activate your new card by XX/XX/year> '' and " This replaces your current CareCredit credit card..... '' and says to destroy your CareCredit credit card. I presumed it was a replacement card for the account I currently have so I went online and activated the card. 

After activation it took me to the Synchrony website where it asked for my log in information. I logged in with my previous information and noticed there were now 2 CareCredit cards on the website. I called Care Credit/Synchrony to inquire if the cards were going to be merged and was told that the new card I received was a separate account under XXXX and that I did not have to accept it. I then asked for the new account to be closed, which I was told was done. 

This is a very deceptive practice by Care Credit/Synchrony/XXXX XXXX The letter should clearly state that this is not a replacement card, that it is a new and separate account. I certainly hope this does not appear on my credit report and affect my credit score.

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 2025-05-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Transunion : XXXX Experian : XXXX Equifax : XXXX XXXX : XXXX Subject : Request for Blocking of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and request the permanent removal of all inaccurate, fraudulent, or negative items on my credit report that are adversely affecting my credit score and were the result of identity theft, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

Pursuant to this law, I request that you block and cease reporting all information on my credit report that I believe to be the result of identity theft, including but not limited to the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you are legally required to block these items from my credit report within four ( 4 ) business days of receiving this request. 

Please confirm in writing that the fraudulent accounts have been blocked and will no longer appear on my credit report. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-05-02 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 sent a letter to TransUnion on XX/XX/year> and asked to investigate and remove unidentifed hard inquiries on my credit report. As of today, I have not received a response/status from TransUnion, and the hard inquires remain on my credit report. As a professional courtesy, TransUnion should have responded with an update or at leasT acknowledgE receipt of my letter. It has now been almost 3 months without a response or action from TransUnion. Please note that Experian and Equifax proceeded with investigation and since, have removed the requested hard 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 non-monetary relief
Consumer complaint received 2025-05-02 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:
I am writing to formally file a complaint against Experian for reporting two erroneous XXXX  loan accounts on my credit file. These accounts are listed as XXXX XXXX, which I have never taken out in my life. 

Upon reviewing my credit report, I discovered these two XXXX  loan entries and immediately contacted Experian to dispute their validity. These accounts do not list the original creditor or provide any verifiable details. As a responsible consumer, I took the additional step of contacting the U.S. Department of Education, who confirmed in writing that I have no XXXX XXXX  on record. 

Despite this, Experian has continued to report these fraudulent and inaccurate accounts, which is negatively impacting my credit score and causing undue stress. 

I demand that Experian immediately remove these accounts from my credit report and cease reporting information that is clearly false, unverifiable, and damaging. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate and complete information and conduct a reasonable investigation into disputed items. 

I am requesting the CFPBs assistance in ensuring that Experian complies with federal law and permanently removes these erroneous accounts from 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
I was waiting for my kid, looking at the app for my new amex card. I saw an option where you could add an additional bank account to make payments from. I added my business bank account to cover transactions that I make during work. I made six payments for business related transactions. No payments were due. The payments went through.then I got an email saying there was an issue with my freshly linked bank account i looked at the app. I PAID THEM AND it also say card declineak. Didnt know what that means. The next day I went to use my card at the grocery store. The card was declined. I called the company and they said it was because I had incurred XXXX return payment fee charges for unable to connect to account. So I was charged for payments that went through. They said I typed it in wrong but how you put your bank account into the Amex is with copy and paste buttons I have supporting documents for the entire transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
15 U.S. Code 5 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXXXXXX  I received a direct deposit in the amount of XXXX, to my PayPal account, the same day the account was restricted and I couldnt access the funds. For months I was back and forth with PayPal about this matter I even filed a complaint with the XXXX XXXX XXXX. They responded by saying I was violation of their agreement because I received a direct deposit in my husbands name XXXX XXXX XXXX XXXX XXXX ). Every response I received from PayPal stated in 180 days I would receive a email on how to access the remaining funds, I never received that email and 5 years later these funds are still in this account i send emails, secured messages, and call and no one at PayPal can give me a direct answer as to why I cant withdraw the funds. Ive emailed my id to verify my identification and 5 years later Im still getting the same response, in 180 days Ill receive a email on XX/XX/XXXX I sent a message thru the PayPal app and the agent responded saying sorry for the delay of transferring the funds to my bank its just to much and this been going on to long if they felt any fraudulent activity was going on why were these funds not returned to the originator? Not held in a restricted account for 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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