vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
The CFPBs January 2025 enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX  This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : 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 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This is a continuation of my complaint # XXXX. It was closed following Nelnet 's response, but in that claim they've made allegations which are not true or there has been fraudulent activity on my account with them. The account should have been closed after my final payment on XX/XX/XXXX, but apparently remained open, as they have claimed I sent them an email requesting a refund of all my payments from XX/XX/XXXX to XX/XX/XXXX, an amount totaling {$11000.00}. However, they claim they mailed a check in the amount of {$4300.00} to my previous address ( current at the time of their mailing ), which is the exact amount of my last loan payment on XX/XX/XXXX. My original complaint was that Nelnet deleted my last payment ( {$4300.00} on XX/XX/XXXX ) from my online account history. In my prior complaint, I included a copy of my online account history that shows this last payment from their site, along with messages from them indicating I had paid off all of my student loans, and my bank statement showing that the money ( {$4300.00} ) had transferred out of my account and into theirs. ( I had always been making only online payments. ) I expected them to acknowledge and recognize this error and correct it. Instead, they totally blindsided me with their version of events, which never happened to me. I never sent them an email requesting a refund, I never received a check from them, and so, therefore, I never cashed a check from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

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 2025-07-11 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: FL

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 2025-07-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX creditor : XXXX XXXX XXXX XXXX-collection- opened in XX/XX/XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXX XXXX-personal loan- opened in XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX collection- opened in XX/XX/XXXX XXXX/XXXX- Charge account- opened in XX/XX/XXXX These items were added to my credit report without my consent

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 2025-07-11 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

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 2025-07-11 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: IL

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

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 2025-07-11 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: Self Financial Inc.
State: FL

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 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 2025-07-11 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: FL

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Santander Consumer USA regarding a fraudulent account that has been reported on my credit report as a result of identity theft. 

According to my XXXX  credit report dated XX/XX/XXXX, Santander Consumer USA is reporting the following : Creditor : Santander Consumer USA Account Number : XXXX Original Balance : {$19000.00} Past Due Amount : {$19000.00} Status : Charged Off as of XX/XX/XXXX Date Opened : XX/XX/XXXX I have never opened or authorized this account. I am the victim of identity theft, and this account was fraudulently opened in my name without my knowledge or consent. 

To support my claim, I have submitted : A Federal Trade Commission ( FTC ) Identity Theft Report A police report filed with the local authorities documenting this crime Written disputes sent to Santander Consumer USA and XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which provides for blocking of information resulting from identity theft Despite my efforts, the account remains on my credit report, seriously damaging my credit score and history. Under FCRA Section 605B, once a consumer provides proper documentation of identity theft ( FTC affidavit and police report ), the credit reporting agencies are required to block the fraudulent information from appearing on the consumer 's credit report within 4 business days.

Additionally, Santander Consumer USAs continued reporting of this fraudulent account after notification may violate 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from providing inaccurate information to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act.. Please remove these unverifiable item.. 

XXXX XXXX  XX/XX/XXXX .. {$980.00} XXXX XXXX XXXX, XX/XX/XXXX .. {$840.00} XXXX XXXX XXXXXX/XX/XXXX .. {$290.00} XXXX  XXXX XXXX XX/XX/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 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Before, I made this account 3-4 years ago, however during this time I put my last name as my moms last name as my social security had my moms last name and such services such as my medicine like inhalers always had my moms last mame as the set last name. However we went to fix it somewhere so that my social will instead present my dads last name and no other paper was given regarding to the change ( as far as I know ). Now that I actually have an ID and actually need to transfer money, I was going to verify my account normally, the issue that I believe is the fact the account recognizes the XXXX, however my documents and ID have XXXX, causing an issue to use functions such as transfering or sending. I tried contacting, however they arent willingly to comply, which I do understand but in my case, its the last name that I just want to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive recently opened up an account with Citi Bank N.A about a week ago. I transferred funds from one of my bank accounts in order to fund my new checking account with citi bank. My funds were added to my account within five days. Finally I received my card and when I begin to try and use my account I run into an error message on my online banking saying that my account is blocked and I cant even view my balance which was {$6300.00} before it vanish and just pops up with an error saying its blocked. I try to make a withdrawal card declines. Ive called numerous times in order to see whats going on with my account and no one helped me at all this sucks because I work hard for my funds and they are just being held I cant even access my funds in order to feed my children smh. I called over 20 times I even recorded some of the calls for evidence on how the reps treat Citi customers. This bank is not good at all my funds are being held with no explanation I feel like Ive been robbed every time I call no reps help me they just hang up and tell me to call the number on my card. Please I need help regaining my funds urgently please someone help me I feel out of luck and its causing XXXX XXXXXXXX I have the evidence in order to make this a court matter please just help me regain my funds or Ill just make this a civil 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 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Received a text from XXXX ( XXXX ) XXXX BANK OF AMERICA SECURITY ALERT : Did you a attempt transaction on your debit card for {$900.00} at XXXX XXXX XXXX XXXX XXXX CA on XXXX? If valid reply YES, fraud reply NO. To Opt Out, reply STOP.

BANK OF AMERICA : Thank you for your confirmation, no further action is required. A fraud representative will be contacting you shortly. Case ID XXXX Received a call from the same number claiming to be Bank of America about the supposed fraudulent charge. The caller claimed to be looking at my accounts to see if additional fraud took place. They claimed there were two wire attempts. One for {$1900.00} and one for {$8900.00}. They walked me through what was supposedly a way to put a stop on the wires, but it was actually the steps for me sending the wires. My bank stopped the {$1900.00} one and flagged it as fraud. The {$8900.00} went through. I called my bank when the {$1900.00} was flagged and thats when I put in the wire fraud complaint for the {$8900.00}. I put in the claim about 5-6 hours after the wire was sent.

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