vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-05-29 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: AR

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-29 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: AR

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am reaching out to you in regards to a lawsuit that was handled in XXXX against Santander auto loan. 
I feel they once again violated the consumer protection laws. And Im a XXXX of this. 
I currently have an auto loan with them and feel that they are doing something wrong. I was given a loan at such a high payment that I have been struggling to pay. I can not get my loan down I feel I was lied to. As the article in the settlement back in XXXX states, Santander is not allowed to extend financing if a consumer has a negative residual income after taking into consideration monthly debt obligations. They also let me do a forbearance which I didnt realize my next payments would only apply to just interest so a waste of {$980.00} twice. 
I got the auto Lon in XX/XX/XXXX {$34000.00} and still owe over {$32000.00} and I have made XXXX payments of {$980.00}. It shows maturity of loan XXXX. Over half these payments were all applied only to the interest none to the principal. 
I feel taken advantage of! Could you please let me know if there is something illegal going on with them again or point me in the right direction. Or did I make the big mistake getting the loan not realizing what I was signing. Id greatly appreciate it! 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
THIS IS NOT A DISPUTE THIS IS LEGAL NOTICE To : XXXX XXXX XXXX Attn : Credit Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Attn : Legal Department XXXX XXXX XXXX XXXX, IL XXXX Equifax Attn : Consumer Dispute Center XXXX. XXXX XXXX XXXX, GA XXXX Experian Attn : Consumer Dispute Center XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my name and address is wrong on my credit report it seems someone illegally put there address on my profile for experian, equifax and transunion and it brought my credit score down. a credit guy had fix my credit and now using my information to open credit card for himself and send it to his lake worth address

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
RE : Unlawful Restriction of My Right to Dispute Credit Report Information FCRA & UCC Violations Dear [ Credit Bureau or Monitoring Service ], I am writing to formally notify you that I have been denied the ability to dispute inaccurate, outdated, or fraudulent information on my credit report through your portal, despite being a paid member of your service. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and may constitute deceptive practices under federal and state consumer protection laws.

Legal Violations : FCRA 611 ( 15 U.S.C. 1681i ) I have a legal right to dispute any inaccurate or unverifiable items on my credit report and have those disputes properly investigated within 30 days.

FCRA 602 ( 15 U.S.C. 1681 ) You are required to maintain procedures that ensure maximum possible accuracy of the information on my credit file. Refusing or disabling my ability to dispute violates this requirement. 

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must follow reasonable procedures to assure accuracy. Blocking access to dispute mechanisms is an unreasonable failure.

UCC 1-103 Under the Uniform Commercial Code, I reserve all rights without prejudice and demand that any errors or contractual breaches by a credit monitoring service be corrected immediately.

Federal Deceptive Trade Practices Laws Advertising credit monitoring or correction tools, then disabling them while collecting payment, may qualify as unfair and deceptive business practices, entitling me to compensation. 

Demand for Immediate Resolution : Restore and unlock full dispute functionality on my credit monitoring portal.

Provide written confirmation that this issue has been resolved within 5 business days.

Compensate me for the damages, stress, and financial harm caused by this obstruction, including potential FCRA statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n.

Notice of Litigation : If these issues are not addressed immediately, I will escalate this matter through the following avenues : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit complaints to the Federal Trade Commission ( FTC ) Pursue civil litigation in small claims court or federal court Report this violation to my State Attorney General This letter shall serve as your formal legal notice under FCRA and UCC. I reserve all rights under UCC 1-308 and do not waive any rights by sending this communication. 

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 2025-05-29 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: MD

Complaint narrative:
Upon reviewing my credit record, I discovered the presence of late payments that I dispute. I sent letters to the relevant parties over 30 days ago requesting validation of these items, but I have not received any response or satisfactory documentation to support their accuracy. These unverified late payments are negatively impacting my credit profile and causing financial harm. I am submitting this complaint on my own behalf and requesting your assistance in resolving this matter through proper investigation and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Urgent Complaint Regarding Fraudulent Charges and Unjust Denial of Claim - XXXX Scam To CFPB I am writing to express my extreme frustration and disappointment with PayPal 's handling of a fraudulent transaction and your repeated, unjust denial of my claim. I feel deeply betrayed and abused as a customer, particularly as a XXXX XXXX XXXX XXXX veteran for whom every dollar is crucial. 

On XX/XX/XXXX, I was scammed by a company called XXXX. They advertised a one-time payment of {$9.00} for social media growth services. After making this initial payment through PayPal, I was immediately charged an additional {$14.00} and {$19.00} without my authorization. 

Realizing I had been scammed, I immediately contacted both PayPal and XXXX to cancel the unauthorized transactions and request a full refund. As you can see in the attached correspondence ( referencing attached documentation ), XXXX confirmed the cancellation of my account and promised to process my refund. 

Despite this confirmation from XXXX, PayPal has consistently denied my claim, repeatedly siding with what I believe to be a fraudulent company. I have received three separate emails XXXX alone, confirming your decision to deny my request and rule in favor of XXXX. This is unacceptable and deeply unethical. 

PayPal 's failure to protect its customers from clear instances of fraud is appalling. Your actions indicate a willingness to condone deceptive business practices and profit from the victimization of your users. As a XXXX veteran relying on a fixed income, these unauthorized charges represent a significant hardship. Every dollar matters, and PayPal 's decision to side with a scammer has directly and negatively impacted my financial stability. 

I am utterly disgusted by PayPal 's lack of integrity and customer service. Your decision to repeatedly deny my claim, despite clear evidence of fraudulent activity and confirmation of cancellation from XXXX, suggests complicity in this scam. It is a shameful betrayal of your responsibility to protect your users. 

I demand that you immediately reconsider my claim, investigate XXXX XXXX fraudulent practices, and issue a full refund for the unauthorized charges of {$9.00} {$14.00} and {$19.00}. I expect a prompt and satisfactory resolution to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2700.00}

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America charged me interest and late fees on my card but they never notified me of a payment due. I received no emails from Bank of America warning me of a payment due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus informed me that they received my dispute and supporting documents, but they refused to investigate further, claiming I used a credit repair company. I've been repeatedly dismissed by the bureaus for months, and it's becoming extremely frustrating.

As a consumer, I feel my rights are being violated, and Im unsure how Im expected to resolve this issue when the same pattern continues to occur.

Im asking for your guidance and assistance in helping me get this corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus informed me that they received my dispute and supporting documents, but they refused to investigate further, claiming I used a credit repair company. I've been repeatedly dismissed by the bureaus for months, and it's becoming extremely frustrating.

As a consumer, I feel my rights are being violated, and Im unsure how Im expected to resolve this issue when the same pattern continues to occur.

Im asking for your guidance and assistance in helping me get this corrected. Thank you.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Reach out to the XXXX credit bureaus concerning this complaint and how come they did not check the identification and address to make sure the account was accurate for them to even put it on 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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a line of credit i use with Paypal ( been with paypal for XXXX years ). I pay monthly on this line and it is due on the XXXX. On the XXXX i log in, and initiate the transfer. This month, the email conformation of my payment on the XXXX, stated " you scheduled the payment on XX/XX/XXXX, yet i clearly clicked pay now and did not " schedule '' anything. I have the email record arriving on XX/XX/XXXX. Paypal waited until XX/XX/XXXX to process, and promptly charged me a late fee. 

They then went back on my account, and adjusted the records to show i paid on the XXXX, yet drew on the XXXX. They are cooking books to charge late fees! 

I reached out to paypal, an they simply said sorry, they will not refund the late fee. 

Absolute 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 2025-05-29 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 was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The 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

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