vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Well, this is part of my claim that they\n Took money back out of my account because they claiming my pin number was on the back of my card, which it was because I have a hard time remembering my pin numbers which under federal law? It shouldn't be a reason to deny my claim claim number is XXXX which my next step is to follow a lawsuit with small claims court to get my money back for all 3 claims. Like this shouldn't be a customer 's doings im on a fixed income

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 2025-12-24 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate, unverifiable, and unlawfully reported information contained in my consumer credit file. My dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal consumer protection laws. 

1. CONFIRMED DATA BREACH & IDENTITY COMPROMISE I have received documented alerts confirming that my personally identifiable information ( PII ), including my Social Security Number, was exposed in multiple third-party data breaches, including but not limited to : Telecommunications data breaches Public data aggregation sources Credit industry service providers These exposures were confirmed through monitoring alerts and dark-web scan results. As a result, any subsequent access, inquiry, or disclosure of my credit file must be presumed compromised unless strict authorization is proven. 

Pursuant to FCRA 1681b, consumer reports may only be furnished for a permissible purpose, supported by written authorization. Exposure through a data breach nullifies presumed consent. 



2. DISPUTED HARD INQUIRIES NO PERMISSIBLE PURPOSE I dispute the following inquiries appearing on my credit file, which were made without my valid authorization and during a period of known data compromise : Automotive and finance-related inquiries dated XX/XX/year> Credit acceptance and dealership-related inquiries Third-party finance inquiries linked to exposed data sources These inquiries do not meet permissible purpose requirements under FCRA 1681b ( a ) and are therefore inaccurate and unlawfully reported.

3. LEGAL BASIS FOR DELETION Under the FCRA, you are required to : Conduct a reasonable reinvestigation ( 1681i ( a ) ( 1 ) ) Delete unverifiable or inaccurate data ( 1681i ( a ) ( 5 ) ) Maintain maximum possible accuracy ( 1681e ( b ) ) Prevent unauthorized furnishing of consumer reports ( 1681b ) Please note : A data furnishers automated or conclusory response does not satisfy the standard of a reasonable reinvestigation ( see XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ). 



4. DEMAND FOR STRICT PROOF If you contend that any disputed inquiry is valid, please provide documentary evidence, including : 1. A copy of my wet-ink signed authorization 2. The exact permissible purpose relied upon 3. The method of verification used 4. The date, time, and recipient of the disclosure Failure to provide this information requires deletion, not correction XXXX XXXX XXXX XXXX, XXXX - needs documentary verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
I am submitting this complaint to report identity theft, improper credit reporting, and violations of the Fair Credit Reporting Act by Experian, Equifax, and TransUnion. 

I am the victim of identity theft. Several fraudulent accounts are appearing on my consumer credit reports that I did not open, authorize, recognize, or benefit from in any way. These accounts are the result of identity theft and fraud. 

The fraudulent accounts are : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX ) These accounts are not mine and were opened without my knowledge or consent.

I submitted a formal identity theft report and supporting documentation requesting a mandatory identity theft block under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605C ). Federal law requires consumer reporting agencies to block the reporting of identity-theft-related information within four ( 4 ) business days. 

Because this matter involves identity theft, it is not a routine dispute and must not be processed through the e-OSCAR automated dispute system. Any attempt to reinvestigate, verify, or confirm these accounts with furnishers via e-OSCAR rather than immediately blocking them constitutes noncompliance with 15 U.S.C. 1681c-2 and an improper substitution of procedures under 15 U.S.C. 1681i. 

Despite proper notice and documentation, Experian, Equifax, and TransUnion continue to report these fraudulent accounts. Continued reporting or reinsertion constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint to report identity theft, improper credit reporting, and violations of the Fair Credit Reporting Act by Experian, Equifax, and TransUnion. 

I am the victim of identity theft. Several fraudulent accounts are appearing on my consumer credit reports that I did not open, authorize, recognize, or benefit from in any way. These accounts are the result of identity theft and fraud. 

The fraudulent accounts are : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX ) These accounts are not mine and were opened without my knowledge or consent.

I submitted a formal identity theft report and supporting documentation requesting a mandatory identity theft block under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605C ). Federal law requires consumer reporting agencies to block the reporting of identity-theft-related information within four ( 4 ) business days. 

Because this matter involves identity theft, it is not a routine dispute and must not be processed through the e-OSCAR automated dispute system. Any attempt to reinvestigate, verify, or confirm these accounts with furnishers via e-OSCAR rather than immediately blocking them constitutes noncompliance with 15 U.S.C. 1681c-2 and an improper substitution of procedures under 15 U.S.C. 1681i. 

Despite proper notice and documentation, Experian, Equifax, and TransUnion continue to report these fraudulent accounts. Continued reporting or reinsertion constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Bank, N.A., based in XXXX, MA. operates a well-insulated division of their company called " Open Bank '' . Open Bank through well designed barriers is able to convert their customers ' assets into fraudulent profits by breaking or bending a variety of U.S. banking laws, using international relationships to help shield their illegal activities. 

Open Bank advertises a high interest rate on their savings accounts as a ploy to attract depositors. I opened such an account earlier in XXXX XXXX. Once the conspirators inside Open Bank get possession of your initial deposits, they then block you from all access to your account and your money. They tell you that there is a 2 or 3 day temporary hold on your account for a review, but they refuse to give you any explanation of what the review is about. However, the suspension and blocking of your account never ends and remains in effect continuously. My savings account has been blocked every single day of its existence, 100 % of the time, since its inception. I am completely out of touch with any access to my money and my account. They refuse to allow me to withdraw any of my money which was deposited in cash forms. Open Bank is engaged in massive and widespread embezzlement using this certifiable scam design. At present, Open Bank has stolen {$200000.00} from me. 

Open Bank uses additional criminal designs to further advance their fraudulent agenda. On XX/XX/XXXX, Open Bank used my personal account profile and ID information on file with them to break into my XXXX XXXX XXXX XXXX savings account, without any authorization or notice, and steal money out of it. Open Bank falsely represented to XXXX that the money they were taking was going to my Open Bank savings account. This was a lie, as this money never went to my account, and was directly stolen and kept by conspirators employed inside Open Bank. At least one of these conspirators operates from inside XXXX XXXX while masquerading as a XXXX Open Bank employee. XXXX XXXX can verify this theft.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the accuracy and validity of a collection account reported by XXXX XXXX XXXX ( XXXX ) and reflected on my Experian credit report. The account was reported with an incorrect balance of {$360.00}, even though the original creditor had already acknowledged that this amount was wrong. 

Timeline of verified facts : XX/XX/2025 : The leasing office confirmed in writing that a {$150.00} deduction should apply because I lived in a XXXX unit. Therefore, the correct balance was never {$360.00}. 
XX/XX/2025 : I contacted XXXX  and informed them that the amount was incorrect. XXXX stated they would begin an investigation. 
Late XXXX / XXXX XXXX : Despite the ongoing investigation, XXXX reported {$360.00} to the credit bureaus. 
XX/XX/2025 : The regional manager of the leasing office issued a revised ledger confirming the correct balance is {$210.00} and notified XXXX of the correction. 
XXXX XXXX : My credit report updated from {$360.00} {$210.00}, confirming that the initial reporting was inaccurate. 
XX/XX/2025 : XXXX  sent a letter admitting a bona fide error and confirming the correct balance is {$210.00}, but they refused to delete the tradeline. 

Why the tradeline must be deleted : 1. Inaccurate reporting : XXXX reported an amount that the creditor had already acknowledged was wrong. 
2. Premature reporting : XXXX reported the account before completing their investigation ( their own letter states the investigation ended on XX/XX/XXXX ). 
3. Failure to conduct a reasonable investigation : XXXX  never requested documentation from me and ignored the creditors earlier correction. 
4. Consumer acted in good faith : I repeatedly attempted to resolve the issue and even offered to pay immediately if deletion was confirmed. 
Because the account was reported inaccurately, prematurely, and handled improperly, I request that the CFPB require Experian and XXXX to delete the tradeline 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-24 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 claim no connection to these accounts and require their deletion within 15 days as stipulated by the Fair Credit Reporting Act.

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 2025-12-24 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:
I have no affiliation with these accounts and insist they be deleted within 15 days under the Fair Credit Reporting Act.

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 2025-12-24 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
There are collections and charge-offs on my credit report that : Collections : Midland Credit Management XXXX XXXX {$8500.00} XXXX, XXXX. 
Charge-Offs : XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
All these companies didn't have my written consent to do any reporting to credit agencies. 
On some credit reporting agencies the charge offs still shows that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law. 
1. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please correct/update this account 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-12-24 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: IL

Complaint narrative:
I am submitting this complaint to report identity theft, improper credit reporting, and violations of the Fair Credit Reporting Act by Experian, Equifax, and TransUnion. 

I am the victim of identity theft. Several fraudulent accounts are appearing on my consumer credit reports that I did not open, authorize, recognize, or benefit from in any way. These accounts are the result of identity theft and fraud. 

The fraudulent accounts are : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX ) These accounts are not mine and were opened without my knowledge or consent.

I submitted a formal identity theft report and supporting documentation requesting a mandatory identity theft block under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605C ). Federal law requires consumer reporting agencies to block the reporting of identity-theft-related information within four ( 4 ) business days. 

Because this matter involves identity theft, it is not a routine dispute and must not be processed through the e-OSCAR automated dispute system. Any attempt to reinvestigate, verify, or confirm these accounts with furnishers via e-OSCAR rather than immediately blocking them constitutes noncompliance with 15 U.S.C. 1681c-2 and an improper substitution of procedures under 15 U.S.C. 1681i. 

Despite proper notice and documentation, Experian, Equifax, and TransUnion continue to report these fraudulent accounts. Continued reporting or reinsertion constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

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