vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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:
I am filing this complaint because I have several unauthorized hard inquiries on my TransUnion credit report that I never applied for, nor did I give permission for these companies to access my credit file. These inquiries are harming my credit profile, and despite my efforts to resolve them with the credit bureau, they still remain. 

The inquiries in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize any of these companies to perform a hard pull on my credit. I have never applied for credit with XXXX XXXX XXXX XXXXXXXX XXXX, or initiated any recent application with XXXX  XXXX XXXX around the time these inquiries were made. I am very careful with my personal information and do not recall submitting any applications or entering any agreements that would have given these institutions a permissible purpose to pull my credit. 

The presence of these inquiries has lowered my credit score, which impacts my financial reputation and future credit opportunities. This situation has caused me stress and anxiety as I now worry about possible identity theft or misuse of my personal data. I reached out to the credit bureau to dispute these inquiries, requesting proof of authorization or removal under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which states that a consumer report can only be accessed with proper authorization and for a permissible purpose. 

I believe my consumer rights under the FCRA have been violated, and Im requesting that the CFPB investigate this matter and hold both the credit bureau and these institutions accountable. I am simply asking for the unauthorized inquiries to be removed if the furnishers can not provide evidence that I initiated or authorized them. 

This situation is not just about numbers on a reportit 's about protecting my identity, credit integrity, and peace of mind. I hope the CFPB can assist in getting a fair and lawful resolution.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I received a transfer by XXXX of {$1900.00} from a person that I dont know. I reported to Santander and they said I could just return the money, but when I tried they blocked my account saying I committed fraud. I called them and they unlocked the account, but my XXXX its blocked since XXXX. I called them a several times and they say there is a restriction on my phone and email and they cant fix because XXXX should fix, but I called XXXX and they said Santander should do it because XXXX doesnt have any power over my information.

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 2025-07-26 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding one or more fraudulent student loan accounts that have been reported under my name and/or Social Security number without my knowledge, authorization, or consent. I have no relationship or agreement with the loan servicer ( s ) reporting this debt, and I believe these accounts were opened either in error or due to ident
ity theft. 

The company is XXXX and it is negatively impacting my Transunion score and causing financial distress.

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 2025-07-26 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: GA

Complaint narrative:
I am submitting this complaint because there are multiple unauthorized hard inquiries showing up on my Equifax credit report, which I did not initiate, authorize, or consent to. These inquiries are : XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never applied for any credit, financing, or services with these companies. I have no accounts with them, and at no point did I give written or verbal permission for them to access my credit report. The presence of these inquiries on my report is both inaccurate and damaging, as they have negatively impacted my credit score and raise serious concerns about the misuse of my personal information.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company must have a permissible purpose and consumer authorization to access a credit report. None of these inquiries meet those requirements in my case. 

I contacted Equifax and submitted a dispute, asking them to verify the inquiries or remove them if the companies could not provide proper documentation proving I had authorized the pulls. However, the inquiries remain, and I have not received any evidence or satisfactory resolution from Equifax or the creditors involved. 

This situation has caused me stress, anxiety, and harm to my creditworthiness, even though I have done nothing wrong. I am now concerned about the security of my personal and financial data. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. If the companies listed above can not provide documented proofsuch as signed applications or other evidence of authorizationthese inquiries should be permanently removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXX and their failure to report accurate information to the credit bureaus. 

I took out a {$70000.00} personal loan with XXXX, which I paid in full on XX/XX/XXXX. Despite this, the account is still being reported as open with a {$68000.00} balance as of XX/XX/XXXX. 

I have made multiple attempts to contact XXXX, including escalations and follow-ups, but they have refused to correct the inaccurate reporting. I have also contacted the credit bureaus, but no resolution has been provided. 

This false information is harming my credit profile and affecting my ability to access fair financing. I am requesting your assistance in compelling XXXX to update the tradeline to show : {$0.00} balance Account paid in full Account closed as of XX/XX/XXXX I have the documentation to support this request. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-07-26 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: FL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXX and their failure to report accurate information to the credit bureaus. 

I took out a {$70000.00} personal loan with XXXX, which I paid in full on XX/XX/XXXX. Despite this, the account is still being reported as open with a {$68000.00} balance as of XX/XX/XXXX. 

I have made multiple attempts to contact XXXX, including escalations and follow-ups, but they have refused to correct the inaccurate reporting. I have also contacted the credit bureaus, but no resolution has been provided. 

This false information is harming my credit profile and affecting my ability to access fair financing. I am requesting your assistance in compelling XXXX to update the tradeline to show : {$0.00} balance Account paid in full Account closed as of XX/XX/XXXX I have the documentation to support this request. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-07-26 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: IL

Complaint narrative:
Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. * FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries ( 13 total ) and charge offs, collections ( I do not consent and no contract has been signed by me with the company ). * Cease & desist No debt validation was received. These debt collectors are committing fraud and trying to steal my credits.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate 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 receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate 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 receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is a supplemental complaint to a previous CFPB case involving PayPal Credit and a charge from XXXX. On XX/XX/year>, PayPal Credit sent me a letter confirming a credit was issued in my favor after a dispute. There was no mention of it being temporary or subject to reversal. However, on XX/XX/year>, they reversed the credit without notice and recharged my account, claiming the merchant proved I received services which is false. I never completed the test, and XXXX provided no confirmation, results, or service. The rebill was masked as PayPal XXXX XXXX XXXX, CA, making it unclear who charged me. Ive submitted evidence including both the XX/XX/XXXX and XX/XX/XXXX letters showing these contradictions. I requested an explanation for why my XX/XX/XXXX letter stated that a credit was issued in my favor, but a new charge was applied on XX/XX/XXXX with no notice. I also asked for documentation that allegedly shows I received the service, since I never completed the test or received any results. I asked that the charge be reversed and the dispute outcome honored.

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 monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint to express serious concerns about payment processors pressuring online storefronts, such as XXXX, to censor legal content. These platforms, which rely heavily on payment processors for transactions, are often forced to comply with demands to remove or restrict access to lawful products or services, limiting consumer choice and free expression. 
This practice raises significant issues about the neutrality of payment infrastructure. Payment processors should not dictate what individuals can legally purchase, as this sets a dangerous precedent for corporate overreach. A small groups preferences should not override the rights of consumers and businesses engaging in lawful commerce. 
Legislation such as S.401 - Fair Access to Banking Act and H.R.987 - Fair Access to Banking Act has been proposed to address these concerns by ensuring fair access to financial services. I urge the CFPB to investigate the actions of payment processors and take steps to protect consumers from unfair restrictions on legal transactions. 
Please confirm receipt of this complaint and provide information on any actions taken. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
In XXXX chime closed my account without my knowledge. I deposited money to my account that I never received due to them closing my account due to this issue I was behind on rent, my baby needed food, we ended up homeless and everything. I called XXXX XXXX of XXXX they said I couldnt get the rest of my money because my account was closed and for some reason my money was not issued to me. I just want whats rightfully mine. Now Im having a baby I am extremely high risk Im in the middle of moving me and my daughter we are homeless and if I can get my money back from this account this would help out so much because I am a XXXX  mother who is facing homelessness with a XXXX XXXX XXXX  and a baby on the way please reach out to me as soon as possible thank you so that we can get this issue resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, that are hurting my ability to obtain credit.

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 2025-07-26 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: GA

Complaint narrative:
On or around XX/XX/year>, I was alerted that a previously closed and deleted collection account from XXXX XXXX XXXX was illegally reinserted into my credit file without proper notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

The same occurred with a second account reported by XXXX  These accounts had previously been deleted after dispute, and their unauthorized reappearance caused a significant drop in my credit score ( over XXXX points ), leading to emotional distress and potential credit denials.

I never received any notice within the required 5 business days of reinsertion from the credit bureaus or the furnishers. This is a clear violation of the FCRA, and demonstrates a pattern of negligence and reckless disregard for my consumer rights. 
Please be advised that I am preserving all legal rights and remedies available to me under federal and state law, including but not limited to the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Attorney General, and pursuit of a civil claim or arbitration for damages.

Should you fail to remove these inaccurate entries within 10 calendar days, I will initiate legal action without further notice. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX All Rights Reserved. UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, correspondence was dispatched to facilitate the removal of paid debts and accounts from my credit report. Despite multiple submissions to the three credit bureaus, the matter remains unresolved. Contact was established with the relevant companies, and closure documentation was provided tome for submission to the bureaus, along with supporting evidence from companies. Furthermore, letters were submitted to the bureaus, highlighting inaccuracies in the reported addresses and phone numbers and requesting their removal. Despite repeated correspondence and documentation, a resolution to this issue has not been achieved.

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