vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I am submitting this follow-up complaint because Experian has failed to remove fraudulent account information from my credit report despite having received my full identity theft dispute package via certified mail. 

On XX/XX/year>2025, I mailed a formal dispute to Experian, including : My FTC Identity Theft Report Police report Government-issued ID Proof of address A signed letter requesting removal of fraudulent data under FCRA XXXX The package was delivered and signed for by Experian, and I received the XXXX certified mail return receipt as proof. 

However, Experian has not responded and fraudulent accounts including accounts with XXXX XXXX XXXX and XXXX XXXX Bank continue to appear on my credit report. 

My original CFPB complaint ID is XXXX, submitted on XX/XX/year>2025. It has not resulted in resolution or contact from Experian. 

I am resubmitting due to Experians noncompliance with the FCRA, which requires a credit bureau to block fraudulent data within XXXX business days of receiving complete identity theft documentation. 

I am requesting : XXXX. Immediate removal of all fraudulent accounts from my credit report XXXX. A full reinvestigation summary with written confirmation XXXX. A corrected copy of my credit report This prolonged inaction is negatively impacting my financial recovery and credit standing as a verified victim of 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 2025-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with USAA regarding a {$950.00} charge from XXXX, as the hotel failed to provide the promised services. XXXX issued only a partial refund of {$470.00} ( 50 % ) and confirmed in writing that I should dispute the remaining balance with my bank. I provided this written evidence to USAA. 

USAA mishandled the dispute by reversing my {$470.00} provisional credit prematurely on XX/XX/year>, leaving my account overdrafted by approximately {$72.00}. XXXX also openly admitted that when I originally filed the dispute, only {$470.00} was disputed, and that {$390.00} should have been included in the dispute at that time, but was not. 

I have spoken with multiple representatives ( XXXX, XXXX XXXX ID : XXXX, and XXXX ) on XX/XX/year>, but none have been able to fix the issue or confirm that overdraft fees will be waived. USAA has only reapplied a {$390.00} provisional credit related to one portion of the charge, but the {$470.00} remains unresolved. 

Their mishandling has caused financial harm, stress, and the risk of daily overdraft fees of {$50.00}. I have repeatedly requested that USAA restore the {$470.00} provisional credit, reverse any overdraft fees, and adequately address the dispute. Still, I have been told I must wait up to two business days for a callback while my account remains in a negative balance. 

I am requesting immediate restoration of the {$470.00} provisional credit, reversal of all overdraft fees, and a courtesy credit for the financial harm caused by USAAs error.

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 2025-07-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company states that I have a credit card with them that was opened in XXXX. I reached out to creditor and advised them that I had no knowledge of this account nor did I open it as I just became legal age in XXXX. I asked her to please remove from my report as it is hindering me from school as well as sending me a copy of the application, identification submit, and signature submit. Company has failed to provide proper details of application or thorough investigation. I submitted my Identification as proof of name address and age and creditor did not acknowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: LA

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 2025-07-24 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: LA

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 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for multiple violations of the FDCPA in connection with a debt collection lawsuit filed on behalf of Bank of America ( Case No. XXXX, XXXX XXXX XXXX TX ) . 

On two separate occasions ( XX/XX/XXXX and XX/XX/year> ) I sent certified letters and emails to XXXX XXXX XXXX requesting full validation of the alleged debt. These letters were delivered and signed for, but I never received a proper response or any of the requested documents. I also never received a response to any emails I sent. 

Despite this, they proceeded with a lawsuit and requested substitute service- which was granted- without ever responding to my written validation demands. The process servers they used employed deceptive tactics, including posing as XXXX and USPS delivery person. They never left any business card, contact info or notice of attempted service, and one stated they may involve my apartment management in an attempt to intimidate. I was not properly served and only discovered the existence of the lawsuit later, placing me at a disadvantage in defending myself. These actions are unfair, abusive and violate my rights under the FDCPA I believe this may be a violation of my rights under the Fair Debts Collection Practices Act. It is improper to pursue legal action without providing the consumer with the information required to verify the legitimacy and amount of the alleged debt. I am asking CFPB to hold XXXX XXXX XXXX accountable for moving forward with legal action without responding to lawful written and emailed validation requests and failing to provide documentation necessary to evaluate or dispute the debt.

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 2025-07-24 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: DC

Complaint narrative:
TransUnion LLC Consumer Dispute Center TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX => There is, currently, inaccurate information & inquiries reporting on my Consumer File and Report With regards to the Fair Credit Reporting Acts - laws and policies [ 604. 15 U.S. Code 1681b ( a ) ( 2 ) / 15 U.S. Code 1681b ( a ) ( 3 ) ], that pertain to Permissible Purpose : * XXXX XXXX  XXXX Installment Loans => XX/XX/XXXX - At no point, did I give written instructions to any Person or Consumer Reporting Agency to report said inquiry account - At no point, did I receive any extension of credit in connection with said inquiry account

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 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have Borrowers Defense and approved. All my loans fell off and taken off my credit report but I feel like i should be getting more than the {$2500.00} i have received in treasury checks. Ive been paying student loands for a long time now and I know for a fact that I have paid more than {$2500.00}. I have a payment history from the lender before my loands werw forgiven. I need this to be investigated so I can receive the rest of the money I am owed.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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: MN

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

Company 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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I formally revoked by phone call and email any authorization for XXXX XXXX XXXX XXXX to debit my account from Banco Popular de Puerto Rico. 

Despite that, the bank refuses to block the debit unless I pay {$15.00} without guaranteeing the charge will be prevented. 

This violates the Electronic Fund Transfer Act ( EFTA ), which bars conditioning rights upon fees or penalties. 

I request CFPB assistance to ensure that the bank : Honors my revocation without requiring a fee. 
Prevents all unauthorized ACH withdrawals from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am a verified victim of identity theft. A fraudulent auto loan account was opened with Santander XXXX  USA without my authorization. 

On XX/XX/year>, I sent a complete identity theft dispute package via certified mail, including : FTC Identity Theft Report ( filed XX/XX/year> ) Police report Government-issued ID Proof of address Signed fraud affidavit Santander failed to take corrective action, and the fraudulent account is still being reported on my XXXX  credit report, damaging my credit. 

Due to their failure to investigate or remove the account, I sent a second certified mailing on XX/XX/year>, for which I have USPS tracking and mailing receipt. I am awaiting confirmation of delivery. 

Santander has not provided a proper response and is in violation of FCRA 605B, which requires credit furnishers to block identity theft-related tradelines upon receiving proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: WI

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 ( 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 2025-07-24 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, 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
Consumer complaint received 2025-07-24 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: WI

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 an 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 non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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