vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-05 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because all three nationwide consumer reporting agencies are knowingly and willfully violating my rights under federal law. Despite multiple disputes, supporting FTC reports, and identity theft affidavits, they continue to report false names, false addresses, and fraudulent inquiries tied to my compromised personal data from the Equifax breach. Their conduct is not just negligent it is reckless and unlawful. 

Identity Theft and Fraudulent Reporting I am a confirmed victim of the Equifax data breach. My nonpublic personal data was compromised and later used to create fraudulent identifiers and inquiries. My FTC Identity Theft Report ( FTC Report No. XXXX ) lists unauthorized inquiries from XXXX XXXX ( XX/XX/year> ), XXXX Card ( XX/XX/year>, XX/XX/year> ), and XXXX XXXX  ( XX/XX/year> ). Despite proper notice, these inquiries remain. 

In addition, the bureaus continue to report false identifiers : Wrong names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX addresses : XXXX XXXX XXXX, XXXX, CA and XXXX XXXX XXXX, XXXX, CA Direct Violations of Law 15 USC 1681c-2 : CRAs must block identity theft data within 4 business days of proper notice. They received my FTC report and government-issued ID yet continue to publish fraudulent identifiers and inquiries.

15 USC 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting names and addresses I have never used is blatant noncompliance.

15 USC 1681i ( a ) : CRAs must reinvestigate and delete unverifiable data. They were put on notice but chose to ignore the law.

15 USC 1681g ( a ) ( 1 ) : File disclosures must reflect only accurate identifiers. Their disclosures knowingly contain false data.

15 USC 1681n and 1681o : Their conduct is willful and negligent, exposing them to statutory, actual, and punitive damages.

Pattern of Abuse and Consumer Harm The bureaus are acting in bad faith by refusing to remove clearly fraudulent data despite full documentation. Their actions materially damage my FICO scores, impair my ability to obtain credit, and expose me to further identity theft risk. Continued reporting of known false information is not an error it is systemic misconduct. 

Relief Requested I demand that the CFPB compel Equifax, Experian, and TransUnion to : Permanently delete all fraudulent inquiries tied to the identity theft event ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ). 

Permanently delete all false names and addresses, including XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Issue a corrected disclosure confirming deletions. 

Provide proof of reinvestigation procedures to demonstrate compliance with 1681i. 

If they fail, I request the CFPB escalate enforcement, including civil penalties, and refer this matter to the FTC and State Attorneys General for further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : CPS Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
We closed on our property on XXXX XXXX. 
We are owed {$3700.00} for escrow overage. 
Spoke with Selene Finance on ; 1st call XX/XX/XXXX We have to wait 30 business days 2nd call XX/XX/XXXX They will mail to us and we will receive no later than XX/XX/XXXX 3rd call XX/XX/XXXX They have not even mailed it yet. We asked it be sent Fed ex. 
XXXX XXXX emailed her XXXX to get it sent out immediately. 

4th call XX/XX/XXXX The check has not been mailed. 
It has now been 90 days since we closed. 
They will send it out in XXXX hours. We requested they send it in XXXX hours. Spoke with XXXX. 

XX/XX/XXXX XXXX XXXX, check was cut XX/XX/XXXX. 

XXXX No check received in our mail. 
Called Selene-Spoke with XXXX She states the check was mailed on XX/XX/XXXX. 

XXXX - We have not received a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Request for Information on Charged -Off/ Written-Off Account Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my Experian credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, Th date of last payment received.

The date and amount of the charge-off.

Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS. 
The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled. 

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XX/XX/XXXX Last XXXX SSN : 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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Claim number : XXXX Unauthorized electronic transfers Regulation E non-compliance. 

On XX/XX/XXXX ( night ) and XX/XX/XXXX ( early morning ), my checking account was hit by a series of unauthorized transactions : 15 charges of {$44.00} and 2 charges of {$22.00} ( total {$700.00} ). I did not authorize these transactions, did not consent to any PIN/OTP usage, and did not sign or approve these debits. 

I reported the error before XX/XX/XXXX. At first, XXXX did not provide provisional credit or conduct a proper investigation. I had to call again, and only on my second claim did the bank issue a temporary refund while investigating. A few days ago I discovered the dispute was denied without notice, which drove my account negative. 

I requested copies of all documents and electronic records used to deny/close my claim ( authorization logs, device/browser ID, IP and geolocation, ATM terminal ID & CCTV if applicable, merchant receipts & network records, ACH entries, investigation notes/timeline, and the written determination ). No proof of authorization has been provided.

I also faced language-access barriers. I was not offered a Spanish-speaking agent ; calls were in English and the interpreter did not understand well. An agent named XXXX stated the bank had investigated, but provided no supporting documents. 

Under Regulation E ( 12 CFR 1005.11 ), the bank must investigate within 10 business days ( or extend to 45 only with provisional credit and full use of funds ) and the burden of proof is on the bank to show I authorized the transfers ( 15 U.S.C. 1693g ). If it determines no error, it must send a written explanation and, upon request, promptly provide copies of the documents relied upon. That did not occur here.

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 2025-09-05 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
This letter is being sent in response to your communication regarding the account referenced above. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, that your claim is disputed and validation is requested.

Under the FDCPA, I request that you provide proper validation of this alleged debt, including but not limited to : The name and address of the original creditor.

The original account number.

An itemized statement of the alleged debt, including the amount, dates, and any applicable interest or fees.

Documentation that you are legally authorized to collect on this account.

A copy of the original signed contract or agreement creating the obligation.

Until this information is provided, you must cease all collection activities, including reporting or verifying this account with any credit reporting agencies. Please be advised that any attempt to collect without providing validation is a direct violation of the FDCPA. 
I request that all future communications regarding this matter be made in writing only. 
Thank you for your attention to this matter.

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 2025-09-05 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-05 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:
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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint because Santander Consumer USA continues to report a charged-off auto loan/voluntary repossession that is more than eight ( 8 ) years old. 



Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs and repossessions may only remain on a consumers credit report for seven ( 7 ) years from the date of first delinquency. Despite this, Santander and the credit bureaus are still reporting this account on my file, which is inaccurate and unlawful. 



I previously disputed this outdated account with the credit reporting agencies, but it has not been removed. I am requesting that Santander and the credit reporting agencies immediately : Remove this outdated account from my credit file, as it exceeds the 7-year reporting limit. 

Provide confirmation that the account has been deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX  ). 



This inaccurate reporting is harming my credit profile and ability to obtain fair credit.

Company response to consumer: Closed with explanation