vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I contacted Transworlds System Inc regarding a debt from XXXX XXXX XXXX XXXX  I asked if we could settle for the amount of the original tolls which is a fraction of what they are asking for. They countered by saying they would settle for about 50 % of the total. I asked if they could send me that in writing and they refused. Im pretty sure that is against the Fair debt collection act. I insisted that they send me the letter and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-28 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:
This correspondence is regarding unauthorized hard inquiries on my credit report. I have no record of applying for credit that would justify such activity.

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 2025-07-28 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:
This letter serves as a formal notice that a fraudulent account is being reported under my credit profile. I am not liable for any debts or charges associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have set up automatic repayment for my credit card, but it charges high interest. The bank did not clearly indicate in the automatic repayment option that high interest would be incurred, but charged it directly several XXXX dollar for interest XXXX  to XXXX request to refund all of the high interest.

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 2025-07-28 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: CA

Complaint narrative:
The questions seem to have bypassed prior approval and were unexpected. Evaluate the documentation urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, IL 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 2025-07-28 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: NE

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
At XXXX am on XX/XX/year> I received six text messages within a minute saying {$99.00} was charged from XXXX XXXX six times. I immediately blocked my debit card online. I didn't receive a fraud alert from Santander until XXXX XXXX which I selected option 2 for not authorizing these transactions. Fraud customer service called me back at XXXX XXXX to tell me they can not pull up any account on their system due to a software update and to call back in about 2 hours. I told them that this is unacceptable and meanwhile my debit card has been compromised. I then asked if I could go to my personal branch to get this resolved and she told me they don't have the authority to file the fraud claim. I am beyond upset. This has been the second fraud incident with Santander within 3 months. I made a complaint in XXXX for this same issue. I set up security alerts for this very reason and all for customer service and my bank to do nothing and drop the ball. I can't afford to have my bank allow fraud like this to occur. I do use XXXX XXXX and XXXX was taken from my debit 6 times! I do not want to wait however long it takes for an investigation with Santander. I would like this personally resolved ASAP and Santander to be held accountable for allowing fraud to occur and telling me to call back at a later time. I have rent next week and now have to pay to have a new debit card expedited and may not have my rent due to this flawed bank. There has been countless fraud issues with this Bank that is supposed to be secure.

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 2025-07-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX has been absolutely terrible. I purchased card security for this card and they will not help me and I also enrolled in a customer assistance plan where i am making the payments and XXXX XXXX is still charging me over XXXX in fees on this credit card as well as reporting me late to the credit bureaus resulting in abuse of my credit report and financial hardship caused by negative impact to my credit score. Below I have attached the payments being made and proof I am enrolled in a payment plan while Still being reported late. This ongoing misreporting is not only unacceptableit appears to be in direct violation of the terms of the assistance plan I was enrolled in. It has resulted in undue financial and emotional stress, and I consider this to be a misuse of my consumer credit data.

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 2025-07-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX has been absolutely terrible. I purchased card security for this card and they will not help me and I also enrolled in a customer assistance plan where i am making the payments and XXXX XXXX  is still charging me over XXXX in fees on this credit card as well as reporting me late to the credit bureaus resulting in abuse of my credit report and financial hardship caused by negative impact to my credit score. Below I have attached the payments being made and proof I am enrolled in a payment plan while Still being reported late. This ongoing misreporting is not only unacceptableit appears to be in direct violation of the terms of the assistance plan I was enrolled in. It has resulted in undue financial and emotional stress, and I consider this to be a misuse of my consumer credit data.

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 2025-07-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX has been absolutely terrible. I purchased card security for this card and they will not help me and I also enrolled in a customer assistance plan where i am making the payments and XXXX XXXX is still charging me over XXXX in fees on this credit card as well as reporting me late to the credit bureaus resulting in abuse of my credit report and financial hardship caused by negative impact to my credit score. Below I have attached the payments being made and proof I am enrolled in a payment plan while Still being reported late. This ongoing misreporting is not only unacceptableit appears to be in direct violation of the terms of the assistance plan I was enrolled in. It has resulted in undue financial and emotional stress, and I consider this to be a misuse of my consumer credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I had a cash app card with the balance amount of {$430.00} I lost the card so I called and advise the company what had happen they said that they will issue me a new card with the balance left on It. I have been calling and speaking with 20 different agents and still could not resolve this matter it has been 8 months and it's unfair to a consumer like me here are the claim numbers # XXXX, complaint # XXXX, ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
On XX/XX/year>, I filed a XXXX  complaint/dispute against LVNV Funding regarding three fraudulent accounts that were reported on my credit reports without my knowledge, authorization, or consent. As of todays date, LVNV Funding has failed to respond to that complaint, and all three accounts remain on my credit reports, causing continued harm to my financial well-being.

This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), which mandates that a furnisher or consumer reporting agency must block or remove information identified as resulting from identity theft within four business days of receiving proper documentation. It may also violate the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect or report debts not owed.

I have submitted appropriate documentation, including identity theft affidavits, police reports, and dispute letters. Despite this, LVNV has failed to take action as required by law. This negligence has resulted in the continued unlawful reporting of inaccurate, damaging, and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX  - Bought a car with a loan. The dealership checked with multiple lenders to get the best rate possible. There are 4 credit checks on my Experian credit report from this. Per CFPB rules, auto loan rate shopping should only count as one credit check.

Summer XXXX  - Called Experian to try and look into it. They did not provide any real resolution. 
XX/XX/XXXX XXXX Called Experian again and got no help. They said per their rules that they can not follow CFPB law and can not put it as one check.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that some of the personal information on my credit report is incorrect. I respectfully request that you investigate and make the necessary corrections within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
This morning, I was shocked to see the unauthorized inquiries on my credit report. I regularly check it, and this time I noticed a sudden, unexplained discrepancy. I even refreshed my browser thinking it might be a glitch, but nothing changed. This is very frustrating, and I urgently need someone to review the documents Ive sent so I can finally put this issue to rest.

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