vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  Equifax and XXXX XXXX have very old addresses that do not belong to me. Can they remove them from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints XXXX Whom It May Concern,XXXX is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et XXXX have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against you.\n\nUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within XXXX  days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.XXXX obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court XXXX letter is not a requestit is a XXXX all accounts you are reporting inaccurately from my credit file XXXX me with written confirmation of each deletion.XXXX all future reporting of any unverifiable or inaccurate XXXX  to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB XXXX correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal 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 2025-08-15 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 2025-08-15 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My computer was hacked ( remotely accessed ) which resulted in several thousands of dollars being charged to my credit card, checking account and Paypal accounts. A police report was filed and an investigation in underway. I have proof from XXXX that my computer was remotely accessed. I have been reimbursed for all charges with the exception of Paypal. They have denied my dispute for over {$3100.00} in charges made to XXXX  XXXX XXXX from my Paypal account due to the fact that the charges were made from a " trusted device. '' I have provided them all documentation proving this was fraudulent. I have contacted them repeatedly, and each time I am placed on hold and transferred multiple times. Yesterday I was disconnected XXXX separate times. Each person has told me something different, and I have not received anything in writing from them since I appealed my dispute. I have only been told over the phone that my dispute was denied. Paypal has turned this over to collections. I received a letter from collections, called them and provided all documentation to them. They said they would forward to Paypal, and that I would have to work with Paypal. Paypal has not contacted me, and when I contact them by phone, again, they say my dispute was denied. When I log on to my account, it shows a negative balance of {$3100.00}. The XXXX separate fradulent charges that were made via Paypal on XX/XX/year> to a XXXX XXXX XXXX XXXX named XXXX XXXX are as follows : {$1100.00}, {$230.00}, {$880.00}, {$880.00}. The same evening XXXX additional charges were made from a separate credit card to XXXX  XXXX XXXX, the same XXXX, XXXX XXXX for {$880.00}, {$580.00} and {$230.00}. These charges were immediately recognized as fraudulent by my credit card company and refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-15 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: CA

Complaint narrative:
I am contacting you to formally dispute and demand the removal of an unauthorized credit inquiry that has appeared on my credit report. Let me be absolutely clear I never gave this company permission, in writing or otherwise, to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit inquiry is only legal if there is a permissible purpose and clear, verifiable authorization from the consumer. This inquiry fails both tests. I have no relationship, application, or agreement with this company that would justify such access, making it both unauthorized and a direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am a victim of identity theft and am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to have fraudulent information blocked from my credit file.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block this fraudulent information from my credit report within 4 business days of receiving this request, along with the required proof.Once blocked, you may not reinsert the information into my file unless you receive documented confirmation that the account is not fraudulent and you notify me in writing prior to reinsertion ( FCRA 611 ( a ) ( 5 ) ).

If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for willful 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 2025-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft and am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to have fraudulent information blocked from my credit file. 
Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block this fraudulent information from my credit report within XXXX business days of receiving this request, along with the required proof.Once blocked, you may not reinsert the information into my file unless you receive documented confirmation that the account is not fraudulent and you notify me in writing prior to reinsertion ( FCRA 611 ( a ) ( 5 ) ). 

If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for willful 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 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX  I filled out an application for an auto loan for a used vehicle at Navy Federal Credit Union (NFCU)XXXX XXXX XXXX XXXX NFCU loaned me XXXX XXXX XXXX XXXX XXXX  the insurance company (XXXX XXXX) sent the final payoff due to the vehicle was totaled. XXXX XXXX XXXX XXXX, I applied for a loan for a replacement vehicle. Navy Federal Credit Union denied this application. NFCU  has failed to report that I have paid my payments of XXXX  on time since the date of the loan, approx. XXXX XXXX years. \n\nPAID IN FULL from XXXX XXXX XXXX was finally applied on XXXX XXXX XXXX (XXXX  days).\n\nThis information needs to be reported to the credit agencies: XXXX XXXX XXXX XXXX XXXX.\n\nSincerely,\XXXX  XXXX XXXX XXXX XXXX XXXX'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander Bank, XXXXXXXX. 
Attn : Fraud Department Subject : Unauthorized Transactions Immediate Action Required To Whom It May Concern, I am a XXXX  XXXX  Member and a security clearance holder. I am contacting you regarding a serious matter involving unauthorized transactions on an account in my name that I did not open, authorize, or have knowledge of until recently. 

While applying for a new checking account at XXXX XXXX, I was informed that adverse information had been reported to XXXX XXXX XXXX ( XXXX ). Upon obtaining my XXXX  report, I discovered the following : Account Number : XXXX Routing Number : XXXX Multiple unauthorized transactions totaling thousands of dollars, including : A check in the amount of {$7200.00} Two checks in the amount of {$2500.00} each Other transactions I did not authorize These transactions were not conducted by me. I have filed a police report and submitted an Identity Theft Affidavit in accordance with federal law. 

This account must be immediately closed and a full correction sent to XXXX XXXX XXXX and any other entity to which this false and fraudulent information was reported. Failure to do so will result in further harm to my reputation and professional standing. 

As a veteran and security clearance holder, I take this matter extremely seriously. If prompt corrective action is not taken, I will have no choice but to pursue legal remedies, as I have successfully done in the past. 

I expect written confirmation within 10 business days that : The fraudulent account has been closed. 

All unauthorized transactions have been removed from any reporting agencies. 

Written corrections have been sent to XXXX XXXX XXXX and all other relevant parties. 

I am prepared to provide supporting documentation, including the police report and identity theft affidavit, upon request. 

Sincerely, 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 2025-08-15 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: OH

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

Company 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year> Creditor : XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Subject : Request for Debt Validation for Account ( XXXX ) Dear [ XXXX XXXX XXXX I am writing to formally dispute the accuracy of a negative item reported on my credit report.Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide full validation of this alleged debt. 
Please provide : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of principal, interest, fees, and other charges. 
XXXX. A copy of any contract or agreement bearing my signature that shows I agreed to this debt. 
XXXX. Documentation proving you have the legal right to collect this debt. 
XXXX. The date of the last payment made on this account. 
Until you provide the above information, you must cease all collection activities, including reporting this debt to credit bureaus. I request that this account be deleted from my credit report immediately as it is unverifiable and in dispute. Please consider this as a formal dispute. I Request that all correspondence be conducted in writing. 
Please be advised that any attempt to collect a debt without providing validation is a violation of the FDCPA and may result in my taking in legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation