vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TX

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

Company 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Date : XXXX XXXX TransUnion XXXX. XXXX 2000 XXXX, PA XXXX Re : Request for Debt Validation Account - XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting the following information : 1. The name and address of the original creditor. 
2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/25 Us bank is closing my account due to high risk which I dont care. What I do care is that they are withholding my $ XXXX thats in my account. My daughter is XXXX! Were getting kicked out of the house and the car is getting picked up tomorrow cause I cant pay my bills cause they refuse to release my funds. My daughter doesnt deserve this! She had XXXX appointments and XXXX  everyday and we even go to the XXXX XXXX once a week. XXXX a XXXX XXXX just trying to care for my child and they officially ruined my life and have caused me a great deal of 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 explanation
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Experian Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Experian Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Re : URGENT REQUEST FOR INVESTIGATION AND DELETION - Santander Consumer USA ( Acct XXXX XXXX XXXXXXXX ) To Whom It May Concern : I am formally disputing the reporting of the Santander Consumer USA account referenced above under my consumer file. This account is inaccurately reported and fails to meet the standard required under the Fair Credit Reporting Act ( FCRA ). Pursuant to my rights under 15 U.S. Code 1681i ( Section 611 of the FCRA ), I demand an immediate investigation and permanent deletion of this account for the following reasons : XXXX. XXXX XXXX XXXX ( FCRA 609 & 611 ) - This account is being reported as a charge-off with a high balance and minimal payments. However, no verifiable documentation has been provided to prove the legitimacy of this entry. 

2. Outdated and Inaccurate Reporting ( FCRA 623 ( a ) ( 5 ) ) - The account has not had any activity since early XXXX, yet is continuously updated with derogatory information. This violates the accuracy requirement under FCRA. 

XXXX. Chain of Custody and Validation Failure ( FDCPA 807 ) - If the debt was transferred, the XXXX XXXX must show valid ownership. Without such documentation, continued reporting is deceptive and unlawful. 
Given these issues, the entry must be deleted immediately or proper documentation must be produced. 
Therefore, I am demanding the immediate deletion of this item from my consumer file. If it can not be XXXX -- not merely " updated '' -- within 15 days of receipt of this notice, per FCRA 611 ( a ) ( 1 ), it must be deleted permanently from my credit report. 

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Date : XXXX XXXX TransUnion XXXX. XXXX 2000 XXXX, PA XXXX Re : Request for Debt Validation Account - XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-06-18 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: OH

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting correctly. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has NOT been late on payments. I've attached a copy of my report to this complaint on the following dates ; XX/XX/year> and XX/XX/year>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understand and prompt action

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 2025-06-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the. document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts and inquires XXXX XXXX XXXX  and XXXX XXXX XXXX {$520.00}

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 2025-06-18 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the XXXX XXXX account multiple times with Experian and each time it has been marked as verified with no actual documentation provided. I requested the method of verification and documentation under FCRA 611 and 609. To date, no original signed agreement or verification method has been provided. 

XXXX is in violation of the FCRA for XXXX to report unverifiable information. I have mailed a formal dispute letter on XX/XX/year>, demanding deletion of this account due to failure to verify. 

I am requesting that this account be permanently removed from 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 explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting correctly. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has NOT been late on payments. I've attached a copy of my report to this complaint on the following dates ; XX/XX/year> and XX/XX/year>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understand and prompt action

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 2025-06-18 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:
company said inquires are verified and didn't really investigate scam company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : MACYS/CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Hard Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
they closed my account because i refuse to add a person who sent me zelle money to my account and withheld all the funds this person sending on the amount of XXXX the case number is XXXX this happened on XXXX XXXX with bank of America in a checking account under my name

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 2025-06-18 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief