vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Civil Liability & Negligence Account # Dear Santander Consumer USA , I am writing to formally dispute the alleged liability and negligence related to my account # under reference number XXXX. I believe that this matter has been mishandled and that your actions are non-compliant with applicable regulations and consumer protection laws. 

Dispute Summary : Failure to Properly Investigate Previous Disputes Supporting Evidence : I have enclosed copies of list documents, such as payment records or any other evidence supporting your claim Requested Resolution : I request that you immediately correct the error, remove the liability, or provide clarification. Additionally, I demand a written response outlining your findings and corrective actions within the timeframe required by law. 

Failure to address this issue appropriately may result in further action, including but not limited to, complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. 

Please confirm receipt of this letter and provide a resolution promptly. I expect a response within reasonable timeframe, such as 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have disputed a lot of fraudalent accounts, due to identity theft onto my credit reports with experian, equifax, transunion and it seems as if transunion has a lot of corresponding mailing address and i have reported that i am victim of data breach, dark web fraud, unusual credit activity, hard inquiries onto my credit reports my credit score is super low for the longest time and also credit bureaus seem to argue as oppose to correcting the issue, deragatory information being given doesnt apply to me I am tired of stating that i am a victim of XXXX trafficking, and a victim of identity theft i contact the credit bureaus and they erase their errors instead of offering me a compensation of some sort for my financial hardship and etc. My credit score with all three credit bureaus should be at 750 or above I should only have two accounts onto my credit reports XXXX being XXXX XXXX, and the other being XXXX XXXX XXXX XXXX with the total amount of {$2200.00}. And those are the only two things I should have with no faul statements, comments, deragatory misuse of my personal credit. No state department should be taxing me for my unemployment, XXXX benefits. There should be no tax XXXX placed in my name only to steal from me. There should be no third party collector involved in anything that i didnt speak with anyone directly. i shouldnt be denied credit at this time and age. I should not have to be out there suffering because some hackers feels like targeting me for what ever reason. I have rights and i am a XXXX citizen that is not a ghost to this world but a human existance that needs to not be a hostile but herself without any further objections. I am not married to no XXXX XXXX XXXX. Nor do I have a XXXX XXXXXXXX, nor am i a XXXX case of anytype and I am not in any way XXXX. Nor a juvenile dependency in any way at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have disputed a lot of fraudalent accounts, due to identity theft onto my credit reports with experian, equifax, transunion and it seems as if transunion has a lot of corresponding mailing address and i have reported that i am victim of data breach, dark web fraud, unusual credit activity, hard inquiries onto my credit reports my credit score is super low for the longest time and also credit bureaus seem to argue as oppose to correcting the issue, deragatory information being given doesnt apply to me I am tired of stating that i am a victim of XXXX trafficking, and a victim of identity theft i contact the credit bureaus and they erase their errors instead of offering me a compensation of some sort for my financial hardship and etc. My credit score with all three credit bureaus should be at 750 or above I should only have two accounts onto my credit reports XXXX being XXXX XXXX, and the other being XXXX XXXX XXXX XXXX with the total amount of {$2200.00}. And those are the only two things I should have with no faul statements, comments, deragatory misuse of my personal credit. No state department should be taxing me for my unemployment, XXXX benefits. There should be no tax XXXX placed in my name only to steal from me. There should be no third party collector involved in anything that i didnt speak with anyone directly. i shouldnt be denied credit at this time and age. I should not have to be out there suffering because some hackers feels like targeting me for what ever reason. I have rights and i am a XXXX citizen that is not a ghost to this world but a human existance that needs to not be a hostile but herself without any further objections. I am not married to no XXXX XXXX XXXX. Nor do I have a XXXX XXXXXXXX, nor am i a XXXX case of anytype and I am not in any way XXXX. Nor a juvenile dependency in any way at 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 2025-03-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Unknown charge of {$45.00} appeared XX/XX/ unbeknownst to me whom this is!! I did NOT AUTHORIZE this charge!!! Please help me correct and get my money back. PayPal has done me wrong this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-14 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: PA

Complaint narrative:
I opened an account at key bank. The website was loading very poorly on my phone, so I decided to finish the application later. Well I get an email from them saying to fund my new account, but I'm unable to find anything out about this account because I never finished the application process and set up online banking. 
So I tried putting in a whole new application, the bank says " your already a customer, please sign into online banking " I just want to know the account number of MY account so I can find it to get my debit card. But no one is help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was trying to buy a product that I saw on XXXX for vitamin XXXXXXXX. I paid about {$40.00} or {$50.00} for this product but was charged XXXX. After I purchased this, I never got an email confirmation. And I couldn't find the company that I bought this from on the internet, so I realized this was fraudulent, and I disputed it right away with my bank Capital One. They did credit me the charge. I surprisingly did receive something in the mail from this company, but it was not what I ordered and it was XXXX bottles of other vitamins that definitely didn't cost almost {$100.00}. And It was not the vitamin XXXX I tried to order. I didn't trust what I received and I threw it away. There was no contact information or company name with the product, either. I had already been credited, and that's why I hadn't been worrying about it and threw it away. But it turned out the bank was investigating this and then came back and told me that they did not agree with what I said and denied the claim. I then appealed the decision and they said their decision was accurate. I called them and even spoke to their supervisor and they said this was their final decision and there's nothing they could do. They never even talked to me during their investigation. What happened to the customer is always right! Anyway, I never dispute charges with them, and they know this! This was definitely a fraudulent company! I asked for more information from capital one about who they talked to at this company that I couldn't even find and they gave me no information! They then recharged my account again! This is why i'm complaining and I think this was horrible customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered an account that is not being reported accurately. There is a late payment recorded for an account where I have, in fact, made payments on time. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure that all information is reported accurately and completely. The account in question, from XXXX Bank, lists a late payment on XX/XX/year>, but I demand that this be corrected to reflect that the payment was made on time. I am attaching a copy of my report for your reference and request that this error be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I made a purchase on PayPal that I never received and was scammed. I filed a dispute with my bank and also PayPal. My bank declined the dispute as it was also filed with PayPal and they said PayPal had to do the investigation. I submitted all the necessary paperwork to PayPal showing the seller refusing to deliver after collecting {$2500.00} and when I called PayPal they refused to honor there buyer protection promise and follow through with the investigation stating that it was in a gray area.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-14 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: DE

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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