vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: DC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Equifax InformaOon Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Inves6ga6on and Removal of Inaccurate Informa6on under 15 U.S.C. 1681 Iden6ty TheE

and Lack of Permissible Purpose To Whom It May Concern : I am wriOng pursuant to my rights under the Fair Credit Repor6ng Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute and demand the immediate removal and blocking of all accounts and inquiries on my credit report that were furnished without my wriRen consent or authoriza6on. I have never given wriRen consent to any en6ty to obtain, furnish, or report my personal credit informa6on, and as such, any access to or reporOng of my consumer report consOtutes a viola6on of 15 U.S.C. 1681b. This secOon clearly states that a consumer reporOng agency may only furnish a consumer report for permissible purposes, and must obtain wriRen instruc6ons from the consumer or have a legally valid reason.

AddiOonally, I am a documented vic6m of iden6ty theE. I have filed a report with the Federal Trade Commission ( FTC ) and have completed an Iden6ty TheE Adavit, which I am prepared to provide upon request.

As required under 15 U.S.C. 1681c-2, you are legally obligated to block any informa6on resul6ng from iden6ty theE within 4 business days of receiving proper documentaOon.

The following accounts are disputed and must be removed immediately : XXXX XXXX XXXX ( various accounts ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other accounts not opened or authorized by me These accounts were not ini6ated, authorized, or signed for by me. Therefore, I request that you : 1. Block and remove all unauthorized accounts and inquiries immediately.

2. Provide me with all documenta6on including original applica6ons or signatures as proof of authoriza6on.

3. Send copies of my iden6fica6on that were used to open these accounts.

If these items are not deleted within 30 calendar days, as required under 15 U.S.C.

1681i, I will take legal acOon and seek damages of {$1000.00} per viola6on, as provided under 15 U.S.C. 1681n and 1681o.

Please confirm in wriOng that all disputed informaOon has been removed and provide me with an updated copy of my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint against Santander Consumer USA for predatory lending, unfair credit reporting, and failure to provide transparency regarding a self-surrendered vehicle.

I originally financed a vehicle through Santander at an extremely high interest rate nearing 30 %, despite having limited credit history and showing clear signs of financial vulnerability. I requested a refinance or interest rate reduction due to financial hardship, but Santander refused to offer any alternative options. This resulted in a loan that became unsustainable, despite my repeated efforts to keep up with payments.

Eventually, I was forced to voluntarily surrender the vehicle. Since then, Santander has : 1. Reported an inflated balance to the credit bureaus that does not reflect the vehicles fair market value or the amount recovered at auction.

2. Failed to deduct the proceeds from the vehicle sale from the outstanding loan balance.

3. Did not give me notice or the opportunity to reclaim or repurchase the vehicle prior to auction, as is typically required under consumer protection laws.

4. Damaged my credit with what I believe is inaccurate and misleading reporting.

This situation is consistent with the misconduct outlined in Santanders 2020 {$550.00} million settlement with 33 states, in which the company was found to have targeted subprime borrowers with high-risk loans they knew were likely to fail, failed to verify borrowers ability to repay, and engaged in unfair servicing and collection practices.

My experience shows that these practices are still ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
I was charged an electric bill for an address I no longer lived at. 
I contacted the company with prove of a new lease sating that I was being charged for someone else 's expense. 

No change was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
My Zelle account was inactivated/restricted after a transfer that was made to me was reported as fraudulent. After resolving the issue with customer service agents the account was unrestricted. I still dont have access to Zelle transfers after three weeks so I visited the local branch a few days ago. After hours of the branch manager on the phone they are telling me there is still a restrictive token on my account blocking my access. Unfortunately none of the four people she spoke to was able to fix the problem. They said they would contact Fiserv to escalate. No resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 non-monetary relief
Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Unauthorized Use of My Personal Information for Credit Monitoring and Fraudulent Activities I am reporting a case of identity theft involving the unauthorized use of my personal information.

An unknown individual or organization has used my personal identity, including my name, Social Security number, birthday and other identifying details to register an account on XXXX  This fraudulent account has been actively monitoring my credit file and any changes made to it, without my knowledge or consent. 
I have also discovered that this individual has attempted to apply for credit cards using my identity. This constitutes clear and unlawful impersonation and unauthorized use of my personal information. 
I am extremely concerned about the misuse of my identity and the potential damage it may cause to my credit record and personal financial security. I did not authorize any person or entity to access or use my personal or credit information in any way.

I am submitting this statement as part of my effort to report the fraud and request assistance in investigating and stopping any further misuse of my identity. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My XXXX account was inactivated/restricted after a transfer that was made to me was reported as fraudulent. After resolving the issue with customer service agents the account was unrestricted. I still dont have access to XXXX transfers after three weeks so I visited the local branch a few days ago. After hours of the branch manager on the phone they are telling me there is still a restrictive token on my account blocking my access. Unfortunately none of the four people she spoke to was able to fix the problem. They said they would contact XXXX to escalate. No resolution yet.

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 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-07-04 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: MO

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 non-monetary relief
Consumer complaint received 2025-07-04 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: CT

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! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a breach of fidicuary duty account hack with my ID restoration reversed mortgage account. My account was compromised and XXXX XXXX XXXX ID claims department did not send the notice of dispute in error. I have escalated the claims to my attorney for breach of contract. I want to settle my account with the legal advisor department for wire tap fraud of fraudulent accessed data broker breach hack from XXXX. My investigation included a XXXX  credit report that monitored credit report with a master policy with XXXX. My account was recorded a consumer data breach hack under consumer litigation of restructured settlement litigation with bankruptcy policy if credit bureau insurance. The claims department with XXXX XXXX XXXX did not send the notice of dispute with the restricted account access of XXXX and XXXX  and XXXX XXXX XXXX and XXXX XXXX Bank. I have a case open with my attorney for arbitration in this matter. I want to file a ID restoration hack with my Business account affidavit tax return using my name to file my taxes. I have a breach of fidicuary duty complaint from ID restoration with a claim of wire tap escalated to the claims department for identity theft, with extortion and larceny of membership health plans and military ID with management forum. I have documents from my claim in arbitration showing my account was hacked by XXXX employee XXXX XXXX using my ID to restore whats app error log in on phone hack. I have a case for XXXX XXXX XXXX XXXX XXXX for account hack protection plan. I wanted to file a identity theft of obtaining property under false pretenses with a ID restoration referral notice of dispute claim not showing on my credit report. With the arbitration of my appointed council, I have received claim from settlement administration to update in a preliminary hearing of {$170.00} XXXX dollars in 2 payments with another settlement. I have been trying to get my claims department to file a claim with the XXXX  ID restoration officer resiliency team with XXXX affidavit tax return not able to file my taxes under litigation. I asked to revise my account with government documents of claims. I have no records of bankruptcy or collection ID restoration from XXXX XXXX with XXXX  ID restoration. I have a background check for scams sowing pawned website from 13 different emails. I want to file a criminal defense hack ID restoration.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-04 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$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 non-monetary relief