vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and unauthorized actions reported on my credit file. These discrepancies are causing significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation and correction of these issues. 

1. Wrong Addresses : The following addresses are incorrectly listed on my credit report : XXXXXX/XX/XXXXXXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX, SC XXXX XXXX XX/XX/XXXX ) Incorrect addresses can lead to misidentification and unauthorized accounts being linked to my credit file, which is a violation under FCRA 609 ( a ) ( 1 ) & 611 ( a ). 

2. Inaccurate Account Information Charge-Offs & Collections : The following accounts are inaccurately reported as charge-offs or collections : XXXX {$0.00}, Opened XX/XX/XXXXXX/XX/XXXX{$1300.00}, Opened XX/XX/XXXX XX/XX/XXXX{$0.00}, Opened XX/XX/XXXXXX/XX/XXXX {$420.00}, Opened XX/XX/XXXXXX/XX/XXXX {$1000.00}, Opened XX/XX/XXXXXX/XX/XXXX {$160.00}, Opened XX/XX/XXXXXX/XX/XXXX {$0.00}, Opened XX/XX/XXXXXX/XX/XXXX {$780.00}, Opened XX/XX/XXXXXX/XX/XXXX {$0.00}, Opened XX/XX/XXXXXX/XX/XXXX{$0.00}, Opened XX/XX/XXXX Many of these accounts show balances or statuses that are either inaccurate or outdated. FCRA 609 and 611 require that credit reporting agencies report only accurate and verifiable information. 

3. Inaccurate Late Payments : The following accounts report late payments incorrectly : XXXX {$600.00}, Opened XX/XX/XXXXXX/XX/XXXX {$610.00}, Opened XX/XX/XXXXXX/XX/XXXX {$490.00}, Opened XX/XX/XXXXXX/XX/XXXX{$1100.00}, Opened XX/XX/XXXXXX/XX/XXXX {$35000.00}, Opened XX/XX/XXXXXX/XX/XXXXThese inaccuracies are harmful to my credit reputation and violate FCRA 609 ( a ) ( 1 ). 

4. Unauthorized Inquiries : The following inquiries were made without my consent, violating FCRA 604 ( a ) ( 2 ) :XX/XX/XXXXThese inquiries were unauthorized, and I demand their removal immediately. 

Action Requested : Investigate and remove all inaccurate addresses, account statuses, and late payments.

Delete all unauthorized inquiries from my credit report. 

Confirm in writing that these corrections have been made. 

Ensure my credit report reflects only accurate, verified, and lawful information in compliance with the FCRA.

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 2025-09-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a follow-up with new evidence. On XX/XX/XXXX, I submitted FTC Identity Theft Report # XXXX, which legally requires Equifax to block fraudulent tradelines within XXXX business days under FCRA 605B. That deadline expired on XX/XX/XXXX, yet the accounts remain. 

Equifax responded that it needs more time. However, the FCRA does not allow 60 days when an FTC Identity Theft Report is filed. The statute requires blocking in XXXX business days unless certified proof of ownership is produced, which Equifax has not provided.

I also demanded a Method of Verification ( 611 ( a ) ( 7 ) ), but Equifax has not provided the furnishers identity, contact information, verification method, or supporting documents. This violates 611 ( a ) ( 7 ) and 611 ( a ) ( 5 ) ( A ), since unverifiable information must be deleted.

By failing to block the accounts and failing to provide proper verification, Equifax is violating FCRA 605B, 611, 607 ( b ), the Identity Theft Enforcement & Restitution Act ( 2008 ), FDCPA 809 ( b ) ( if collectors are furnishing ), TILA/Reg Z ( if creditors are furnishing ), and Louisiana law ( Civil Code Art. 3494, LUTPA ). 

I am requesting that the CFPB enforce the law here and require Equifax to comply with 605B immediately by blocking and permanently deleting the fraudulent accounts, instead of delaying under the CFPBs 60-day process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I bought a new vehicle and on XX/XX/year> attempted to pay off the auto loan in full for {$66000.00}. The transaction was pending for over 3 days so I called Truist, the bank that gave the loan to ask what the holdup was. They said the payment should process by XXXX XXXX. I checked my bank account XXXX bank and noticed the payment was taken out, not once, but XXXX. I paid for XXXX vehicles but only have one! I tried to call Both banks and both said it might take 45 days to fix THEIR errors. My account is now in the negative and I cant pay any bills until THEY fix their mistake. They can mess-up in XXXX second and destroy everything, but will take over a month to fix? FRAUDS

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 2025-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy & Holthus, LLP
State: CA

Complaint narrative:
In XXXX, a fraudulent deed was recorded claiming ownership of my property. The company relied on this forged deed to assert a mortgage claim and attempt collection, including foreclosure and eviction proceedings, even though I have never owed a debt to them and my ownership has been properly recorded since XXXX. I requested documentation proving their authority to collect, including the deed, mortgage assignment, and proof of default, but the company refused to provide accurate records. They misapplied payments, threatened foreclosure and eviction, and continued collection actions based entirely on the forged deed. The fraudulent deed shares the same instrument number as the recorded original deed, showing deliberate manipulation of public records. Their actions constitute debt collection without legal authority, fraud on the court, and systemic risk to homeowners and public programs. Immediate investigation by CFPB is necessary to prevent further abuse and hold the company accountable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was advised of the American Express Bluebird prepaid debit program would be terminated next year. Upon that notice I logged in to my account only to notice the amount was only {$11.00} which here should have been {$74.00}. I understand this isn't a large amount of money for for someone receiving XXXX it can be. I noticed both charges where made apparently on XX/XX/XXXX, one amount was for {$38.00} and the other is for {$24.00}. I have the date for the last charges I made with was last year in XXXX. When I went to get the card to do the transferring I could not find the card so I reported it lost/stolen. I provided all information i could get from the account but I have no way of knowing who used the card to make these fraudulent purchases. I can assure you I have not made the purchases in question nor have I allowed anyone to use my card for any reason. I have trusted Bluebird for years and this has been some of the rudest and unhelpful people I have came in contact with. Now for the disputes and I filed the forst one as soon as I noticed the issue and for both charges. The dispute was denied so they said I could appeal with I did. It was denied as well. I called them back and they said I would be able to appeal the dispute so I did so. After no response I called back only to be told I there was no information showing I filed appeal on decision. So they advised me to start a second dispute in which I did. Now that dispute has been denied. These are the dispute transaction details with ID numbers. 
Transaction date : XX/XX/XXXX Dispute amount : {$24.00} Merchant : XXXX ( XXXX XXXX ) Transaction ID : XXXX Dispute ID : XXXX I wish to recover said charges back to my account but they are not being very helpful. I have way of obtaining information other than what I have access to and I understand this can make it harder to prove fraud. This is totally unacceptable and I feel since the program is closing they could care less. I doubt this money will ever be recovered but this is absolutely no way to treat a loyal customer using their services. I have no reason to file a false report or dispute. I do thank you for the opportunity to express my concerns and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$3200.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -Balance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the incorrect late payment remarks on my accounts are a violation of 15 USC 1666. I have always paid on time, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Ive made a claim about a ATM withdrawal on which I didnt receive the money and Ive waited up to 16 business days to receive my money back and I still aint get nothing, I sent a letter on which they ask for, then I would call asking whats the hold up they would say a bunch of random stuff and say we have no update for u, Ive had no money the last XXXX weeks because of these people its been 16 days no provisional credit, no update on my claim no nothing, this is horrible and I want this matter to be looked into ASAP. Claim was made on XX/XX/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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX / XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute multiple inaccuracies in any background check reports associated with my name. Upon review, I have identified the following issues : 1. Items over ten years old that are no longer reportable.

2. Criminal records that have been legally removed or expunged but still appear.

3. Misspellings and wrong names associated with my record.

4. Incorrect addresses that I have never used.

5. Any other inaccurate or incomplete information that could negatively impact my employment or housing opportunities. 



These inaccuracies have severely affected my ability to secure quality employment and housing, particularly positions that require a clean criminal background. As a result, my livelihood has been compromised, and I am unable to fully protect myself as a woman in seeking stable work and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information that has been falsely associated with my identity on my credit reports. Certain accounts and transactions have been attributed to me without my knowledge, authorization, or consent, creating significant financial distress and damaging my creditworthiness. I have become a victim of identity theft and have taken immediate action by filing reports with the appropriate authorities and notifying relevant financial institutions. It is crucial to address this matter promptly, as the continued presence of these fraudulent items has had a detrimental impact on both my financial well-being and personal reputation, preventing me from accessing legitimate credit opportunities and causing ongoing emotional stress.

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 2025-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the documents supporting my claim.

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 2025-09-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized and fraudulent accounts are appearing on my credit report. I never created these accounts, and I was not notified of their addition. The information reported is also inconsistent between the credit bureaus, which further confirms inaccuracies.

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 2025-09-04 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation