vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive found collection accounts on my credit report that I believe may include inaccurate details. Under my rights granted by XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a credit report that is fully accurate. I am requesting that these accounts be investigated, and if they can not be conclusively verified, they should be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$12000.00} XXXX XXXX XXXX/ # XXXX * XXXX XXXX XXXX XX/XX/XXXX -Balance {$660.00} 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I was in communication with the lender about hardship. I was told there would be no negative credit reporting on my credit report and there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I want to report the inhumane actions of Chase Bank and there unlawful theft of my money in my accounts. This bank has found it to be completely acceptable to charge me over 80 non chase atm fees of $ XXXX in just the last 60 days equaling over $ XXXX and from XXXX XXXX XXXX  they have charged my checking account with XXXX overdraft fees of {$34.00} each for a total amount of {$540.00} for transactions that they have been told by me to deny the payment on I did not authorize them to pay the billed amount and charge me {$34.00} - I did not authorize overdraft protection on these charges and because of them I am constantly repeating this cycle every month they wont stop no matter how many times I call this has happened for months now, months and months. Theyve stolen $ XXXX from me and when I call every time they spit on me and laugh at me. I explain XXXX XXXX XXXXXXXX and a fixed income and to stop charging me these lifers fees and to refund me for the fees and they refuse to and hang up on me no one will help. This is XXXX up and Ive been a customer for over 20 years and they think its okay to abuse someone like this to slight me and laugh at me? How can I stay on top when my own financial institution is doing illegal activity when dealing with my finances I am supposed to trust these thiefs with my money? They have paid a XXXX charge and then overdraft me {$34.00} on it multiple times instead of not paying the payment like there supposed to. Ive Asked for help from them and they just laugh and hang up on me Im sick of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
In XXXX, my bank account was hacked. The bank confirmed the breach and created a new account for me. However, they failed to remove the compromised recipient list from the previous account. XXXX fraudulent payee, named XXXX, remained in my saved recipients without my knowledge. 

On Sunday, XX/XX/XXXX, I transferred {$3000.00}, believing I was sending money to my mother ( whose name is also XXXX ). When I realized it was sent to the wrong recipient, I immediately contacted the bank on XX/XX/XXXX ( the bank is closed on Sunday ) while the transfer was still pending and requested to cancel it. The bank refused to stop the transaction. 

I opened a dispute case and a fraud claim, but both were rejected with the explanation that I had authorized the transfer. This is unfair because the root cause was the banks failure to remove the fraudulent recipient data after the confirmed hack in 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 2025-10-22 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: VA

Complaint narrative:
I've recently checked my credit report and noticed inaccurate 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 2025-10-22 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:
Follow legal guidelines to remove disputed accounts promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-22 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: FL

Complaint narrative:
Re : Request for Deletion of Incorrect Addresses FCRA Dispute To Whom It May Concern, I am writing to dispute the inaccurate address information being reported on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that all incorrect and outdated addresses, Phone number and employers be removed immediately, as they are not accurate or associated with me.

The following addresses should be removed from my credit file as they are incorrect or outdated : Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX The following is my only correct address, which should remain on file : XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosed are copies of my government-issued photo ID and a recent utility bill as proof of my current address. 

Please conduct a reasonable reinvestigation and remove all inaccurate address information from my credit file. 
Once your reinvestigation is complete, please send me an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. 



Enclosures : - Copy of Government ID - Copy of Utility Bill

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 2025-10-22 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$790.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-22 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-10-22 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:
THIS ACCOUNT IS FRAUDULENTLY REPORTED UNDER MY NAME AND WAS NEVER AUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/year> - Sent a promotional email regarding a boost ( make five consecutive daily purchases, five days in a row, in exchange for {$5.00} in rewards points ) XX/XX/XXXX - Transactions are completed as per the terms of the promotion ( documented and observed by Synchrony/XXXX  ) XX/XX/XXXX - Reward points are never dispensed, several calls are made to inquire about this, proof of the promotion they sent me is sent upon request, I am eventually informed XXXX/Syncrhony 's system incorrectly shows two purchases were made in one day instead of one each day. Proof is sent to the contrary. A dispute is filed in my name by the representative, email confirmation is sent. 

XX/XX/XXXX - Follow up email is sent by Synchrony/XXXX  requesting I call them to answer further questions. I attempt to call several times, am transferred, hung up on, am required to give out the same information multiple times to multiple different agents, no one seems to know what to do or what the situation is. I can not get a resolution despite them requesting to talk to me in the first place.

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 2025-10-22 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: NC

Complaint narrative:
I am writing to formally dispute the account listed below that appears on my Experian credit report. This account is being reported inaccurately and may have resulted from a data breach or unauthorized use of my personal information. I have never authorized or opened this account, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Account in Dispute Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XXXX Balance : {$200.00}

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 explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
CFPB XXXX XXXX XXXX by Equifax, Experian, and TransUnion Regarding XXXX XXXX XXXX This is a follow-up and escalation to my previous CFPB complaints : Equifax : XXXX XXXX Experian : # XXXX TransUnion : # XXXX The dispute concerns an alleged XXXX XXXX XXXX collection balance of {$1200.00} XXXX XXXX XXXX XXXX  XXXX Spark account allegedly opened XX/XX/year>. 

I submitted detailed disputes by certified mail to all XXXX bureaus with full identity documents and supporting evidence. Despite this : Equifax and Experian have marked the account verified without providing : the method of verification, the name/contact of the furnisher, or any supporting documentation. 
This violates FCRA XXXX XXXX. XXXX ( a ) and XXXX. 

TransUnion falsely claimed unable to locate file despite previously furnishing reports to the same address. After I complied with additional identity verification, they still failed to complete reinvestigation or provide proof. 

All bureaus are past the statutory XXXX reinvestigation period and continue reporting unverified and disputed information in violation of FCRA XXXX, XXXX and FDCPA XXXX. 

I have filed multiple CFPB complaints already, yet the bureaus continue to issue delay letters, stall responses, and attempt XXXX delays with no production of validation. These delays are unlawful and unacceptable. 

Legal Position The continued failure to reasonably reinvestigate, refusal to provide verification, and repetition of delay letters constitutes willful noncompliance under FCRA XXXX, creating grounds for statutory, actual, and punitive damages. 
If verification is not provided or the tradeline is not deleted, I will proceed with civil action in XXXX XXXX 

There will be no further extensions the bureaus have already exceeded statutory timelines. This is a final escalation. All documentary evidence has been retained as exhibits for litigation and will be produced in court, not to the bureaus, due to continued noncompliance.

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 2025-10-22 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-10-22 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: MA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My checking account was hacked at XXXX XXXX Bank A {$50.00} transfer was made to XXXX Bank, XXXX XXXX for a transfer service. I did not know or request this on or about XX/XX/year>. Then a Zelle account was made that I did not make for {$300.00} to be sent to XXXX XXXX which was sent on XX/XX/year>. The bank did refund the {$50.00} transaction and a fraud report was sent to Zelle by XXXX XXXX Bank. I am waiting the results of that. I do not know these people and do not know if the names real and I never requested these transfer or Zelle accounts with my bank

Company response to consumer: Closed with explanation