vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XX/XX/year> XXXX I have a poli e report concerning the fraud case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
Subject : Formal Complaint Against Experian Refusal to Accept Credit Report Disputes To Whom It May Concern, I am filing this formal complaint against Experian for their continued refusal to accept or properly process my credit report disputes regarding multiple inaccurate or unverifiable accounts. Despite my efforts to submit valid disputes and supporting documentation, Experian has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attempted to dispute the following accounts, which I believe are either inaccurate, outdated, or do not belong to me : XXXX XXXX XXXX ( XXXX ) ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I have followed all appropriate procedures for filing disputes and have provided supporting documentation for each account. However, Experian has either outright rejected my disputes or closed them without conducting a proper investigation, which is a clear violation of : FCRA Section XXXX, which requires a credit bureau to investigate disputed information within XXXX days, FCRA Section XXXX ( b ), which mandates the maintenance of maximum possible accuracy in consumer reports. 

Experians failure to act has negatively affected my credit standing and caused me financial and emotional distress. This is unacceptable and undermines consumer protections under federal law. 

I respectfully request that the Consumer Financial Protection Bureau investigate Experians practices and ensure they fulfill their legal duty to conduct proper reinvestigations and correct any inaccuracies. I also request that Experian be directed to : XXXX. Accept and investigate all of the above-listed disputes promptly, XXXX. Provide me with a detailed response and updated credit report reflecting the results of each investigation, XXXX. Cease any practice of unjustly dismissing consumer disputes without review. 

Please let me know if additional documentation is needed to support my claim. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
Subject : Formal Complaint Against Experian Refusal to Accept Credit Report Disputes To Whom It May Concern, I am filing this formal complaint against Experian for their continued refusal to accept or properly process my credit report disputes regarding multiple inaccurate or unverifiable accounts. Despite my efforts to submit valid disputes and supporting documentation, Experian has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attempted to dispute the following accounts, which I believe are either inaccurate, outdated, or do not belong to me : XXXX XXXX XXXX ( XXXX ) ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I have followed all appropriate procedures for filing disputes and have provided supporting documentation for each account. However, Experian has either outright rejected my disputes or closed them without conducting a proper investigation, which is a clear violation of : FCRA Section XXXX, which requires a credit bureau to investigate disputed information within XXXX days, FCRA Section XXXX ( b ), which mandates the maintenance of maximum possible accuracy in consumer reports. 

Experians failure to act has negatively affected my credit standing and caused me financial and emotional distress. This is unacceptable and undermines consumer protections under federal law. 

I respectfully request that the Consumer Financial Protection Bureau investigate Experians practices and ensure they fulfill their legal duty to conduct proper reinvestigations and correct any inaccuracies. I also request that Experian be directed to : XXXX. Accept and investigate all of the above-listed disputes promptly, XXXX. Provide me with a detailed response and updated credit report reflecting the results of each investigation, XXXX. Cease any practice of unjustly dismissing consumer disputes without review. 

Please let me know if additional documentation is needed to support my claim. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 


Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-06-04 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-04 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: KY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-04 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: MN

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XXXX  was made regarding submission of card in XXXX. XXXX mailed to incorrect address. 

Contact made on XX/XX/XXXX to advise and reorder card. Rep stated that the address was on file and had been updated. Call made rep advised mailing address was not updated. And card was returned. Reconfirmed address and was advised new card would arrive with 10 business days. Call today states card was issued 2 days ago. This totals over 60 days from card issue original date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I found out about the debt because my XXXX XXXX XXXX XXXX XXXX me until I paid the collections balance with PFC. I was able to negotiate with them being set up on a payment plan and my health care provider agreed. When I spoke to PFC, they tried to get me to pay the balance in full saying I couldn't see my doctor until I paid it, then I was confused and didn't know what to think. They have debt for more than XXXX provider totaling over XXXX. They kept saying they mailed me a debt validation letter but I even looked back on my USPS informed delivery to find it and I couldn't. I asked to debt collector for one, and they said if I want one and an itemized statement from the providers I had to request it on their website. I did request both of those. They replied " Please accept the following as confirmation that Professional Finance Company did receive your correspondence. Your request for an itemized statement has been logged. The request will be sent to the original creditor, and PFC will respond to you once the itemized statement has been provided. '' I was hoping I'd still get that validation letter, but I sent this request on XX/XX/XXXX and I've yet to receive it. I was forced into a payment plan because both the debt collector and my medical provider said I couldn't be seen without it. The lowest I was allowed to go was {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed.

Im formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : Fraudulent Account : XXXX XXXX XXXX Bal. {$7100.00} XXXX XXXX - XXXX Bal. {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Bal. {$3500.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
Immediate Removal of Medical Debt Reporting Under Federal Law ( XXXX, Regulation XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX withdrew two car payments of {$830.00} from my account on XX/XX/year>, due to what they described as a system glitch. I called immediately and was told one payment would be applied to the balance. 
I disabled auto-pay after that, but on XX/XX/XXXX, I made a manual payment of {$830.00} then on XX/XX/XXXX, they again withdrew another unauthorized {$830.00}. I called and was told the glitch continued. They promised to send me a refund check overnight so I would receive it before my apartment rent was due on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received the check. It was not sent overnight as promised. 
This has caused me serious financial harm. I had to borrow money for rent, and I was charged a {$30.00} late fee on a credit card I couldnt pay on time because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: FL

Complaint narrative:
A check in the amount of {$10000.00} was deposited into my XXXX XXXX savings account on XX/XX/year>. This check was a graduation gift from my XXXX grandmother, gifted on XX/XX/year>. Unfortunately, due to an error, my grandmother mistakenly wrote the check out to the wrong individual, although it was originally intended for me. 

Unaware of the name discrepancy and having received multiple checks from her in the past without issue, I deposited the check via mobile deposit. Shortly afterward, the check was placed on hold, and my account was completely locked, leaving me unable to log into online banking or access any of my fundsincluding those previously held in the account before this deposit. 

Upon calling XXXX XXXX  to explain the situationthat the check was from a family member and the funds were intended for XXXX was informed that there was nothing I could do but wait for the fraud department to review the case. During this time, I remain locked out of my account with no access to any of my funds. 

My grandmother visited her bank in an attempt to cancel or reverse the check. However, she was informed that the funds had already been withdrawn from her account and that she could not recover them. XXXX XXXX has neither returned the funds to my grandmother nor released them to me, the intended recipient. My grandmother feels as though her money has effectively been taken, with no resolution or acknowledgment of the mistake. 

I was asked bXXXX XXXX XXXX  to submit a sworn statement explaining the situation, which I provided immediately on the same day. Despite this, it has now been over a month since the deposit, and I still have no access to any of my fundsneither the {$10000.00} nor the money that was in my account prior to the deposit. Additionally, I have received no communication regarding the timeline for the case review. 

This ongoing issue is causing significant financial hardship, as my account and funds are being effectively held without resolution. I am urgently requesting a clear update on the status of the review and immediate steps to regain access to my account and funds.

Company response to consumer: Closed with explanation