vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding.

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XX/XX/XXXX Account Number : XXXXXX/XX/XXXXInquiries : XX/XX/XXXXXX/XX/year>

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 2025-12-01 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
The entry does not match my verified payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Spoke to Paypal this morning and they said they are withholding my funds for 120 days. I am simply not going for that, They shut my account down without any good reason, they said for risky behavior but ive only received money from family. They werent willing to help, they werent willing to put me in contact with someone to appeal this. I will be suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
Dear Sir/Madam, I am a consumer who is currently working to fix my credit report and I am disputing certain items on my credit file. Below are the details of the accounts I am disputing, separated by credit bureau : CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$500.00} INQUIRIES 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Santander XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Urgent Vehicle unusable due to repeated delays in issuing registration authorization letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I am the co-signer and the only person who has made every single payment on time since the vehicle was purchased on XX/XX/XXXX ( account ending in [ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] ). 
The vehicle is still titled in my friends name ( registered owner ), who is currently outside the United States and unavailable. 
On XX/XX/XXXX I requested the Permission to register vehicle in another state letter required by the Florida DMV. 
Santander issued the first letter on XX/XX/XXXX to the registered owner ( correct ), but since then I have requested multiple times ( XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ) that they either re-send the existing letter to my address or issue a new one. 
Every representative tells me 7-10 business days. Today, XX/XX/XXXX, I still have no usable letter, customer service hung up on me, and the phone lines are now blocking my calls. 
Because of these delays, I have been paying for a vehicle I can not legally register or drive in Florida for over XXXX weeks. This is causing me severe financial and personal hardship. 
I request immediate escalation and that Santander : XXXX. Send the existing XX/XX/XXXX letter ( or a new one ) TODAY by email and overnight mail to the address I will provide. 
XXXX. Provide written confirmation within XXXX hours that the letter has been sent. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: ME

Complaint narrative:
I requested a formal Regulation E reinvestigation today. Chime denied my original dispute without providing documentation, and I am requesting CFPB assistance in ensuring a lawful investigation into the following disputed transactions. 


XX/XX/year> XXXX {$190.00} XXXX and denied by Chime. XXXX XXXX, California. 

XX/XX/year> {$100.00} Virtual Card Denied by Chime. Card was used in XXXX. I do not own a Passport. And an unable to drive due to XXXX XXXX. 

XX/XX/year> {$100.00} Virtual Card Denied by Chime. Card was used in XXXX. I do not own a Passport. I am unable to drive due to XXXX XXXX. 

XX/XX/year> {$50.00} Shift XXXX XXXX XXXX. Nothing they could do. This was supposedly in XXXX. 

XX/XX/year> within one hour and 23 minutes someone took my XXXX {$900.00}. From XXXX XXXX XXXX. They say all sales are final I am XXXX and unable to drive, do not have a passport, and I have significant mobility issues and restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-12-01 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: NY

Complaint narrative:
I am disputing the following accounts on my Experian credit report due to inaccuracies and incomplete reporting : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-12-01 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: CA

Complaint narrative:
XXXX beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. XXXX  gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED
State: GA

Complaint narrative:
I received a letter from NCSPlus Incorporated, Professional Collectors dated XXXX XXXX 2025XX/XX/XXXX asking for payment of XXXX for a parking ticket incurred a year earlier in XXXX XXXX. The original amount of the fine was XXXX or ~ XXXX which I attempted to pay on the City of XXXX payment portal and also called the City but was unsuccessful as I do not speak XXXX. 

I disputed the XXXX amount of this claim from NCSPlus by email as instructed and also attempted to call them during business hours but there was no answer. I asked for the name and address of the original creditor who i could address the issue with. 

This parking fine was received in the city of XXXX, XXXX in XX/XX/XXXXXXXX  2024. I had made a number of attempts to pay the ticket online. The online method of payment did not work. I was able to get to a credit card Payments page but the payment did not go through ( trying on different dates over the past year and using more than 1 working credit card ). And as stated above, I tried calling the City and wasn't able to get through to someone who could assist. 

I believe NCSPlus demand for XXXX  is a collection scam, deceptive and abusive. They area ignoring my dispute of the charge which was made in writing by email ( see attached email correspondence ). 

I am asking CFPB to assist in resolving the matter. 

Thank you XXXX XXXX, GA

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX my credit report company advised me that Wells Fargo had done a hard inquiry on my account. Within that week I then received a letter from Wells Fargo with an extremely odd credit card with my name on it from a XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
On XX/XX/XXXX I called Wells Fargo 's Fraud dpartement and was transferred several time for a duration of over 20 minutes only to be hung up on. I called them again, this time the actual fraud department and was on hold for over 35 minutes with no one taking my call. No resolution was identified at this time

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Capital One credit card was opened without my knowledge. I contacted Capital One and had the account closed. They informed me that the fraudulent person had used my full name, phone number, address, email, and date of birth. They said that my social security number was not used to open the credit card. I believe there should have been a more thorough security process on their end, as I gave no consent or information to Capital One at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
Please evaluate the materials shared ; the inquiries were received abruptly and could be unapproved.

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 2025-12-01 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I discovered multiple fraudulent activities involving XXXX XXXX, XXXX XXXX XXXX, and XXXX. My XXXX XXXX account was compromised and someone attempted unauthorized transfers that caused overdrafts and NSF fees. I immediately reported the fraud, filed a police report, and requested the account be closed. I did not open or authorize any accounts or activity with XXXX XXXX XXXX or XXXX. Under the Fair Credit Reporting Act ( FCRA ), including 602A, 609, 611, and 605B, I am asserting my rights as an identity theft victim. These institutions and Early Warning Services have continued to report inaccurate and fraudulent information without proper reinvestigation or verification. I am requesting deletion of all fraudulent accounts/transactions, removal of fees, and full compliance with FCRA identity theft blocking requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Recently my account was hacked because of low security and fraudulent operations on Western Union. All my information was compromised and used to transfer more than {$1800.00} to hackers. Please do not use this service they are scam and not responsible for the money they operate with.

Company response to consumer: Closed with explanation