vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there are several credit cards, car loans on my 3 credit reporting agencies. Ive never gave anyone permission of or authorization to open these accounts in my name. This is really affecting my ability to provide properly for my family and score my dream job. Inquiries are XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-08-22 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 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 Date : XX/XX/year> 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 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My payment for XX/XX/year> I went thru a hardship. I had a death of a family member. I contacted the merchant about this and they said make the payment when you can. I made the payment on the 30th day pass due. But I was given a 30 day late. This was for cap1 kohl store.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reached out to me on XXXX messenger to purchase a pipe from me. 
We agreed to a cost of {$600.00} dollars, XXXX sent me XXXX payments- XXXX for {$300.00}, XXXX for {$100.00}, XXXX for {$150.00}. Not even the full amount i requested. 
I provided the tracking info in the pictures. 
After receiving the pipe, XXXX proceeded to block me on all social media and submit a dispute through PayPal saying he didnt receive the item. 
As you can see if the photos, XXXX was posting on his social media about how it was the best XXXX I ever spent. 
Even though I provided the valid tracking info, chat logs, photos from XXXX  social media, etc. 
PayPal decided that the case should be closed in XXXX favor because they requested him to send the item back to me and instead I got a box with harassing messages. 
Because he provided a valid tracking number was the reason they closed it out in his favor. 
Now Im negative on PayPal and out of a product because PayPal cant even look at their own dispute case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: MA

Complaint narrative:
I deposited a business check from a company called XXXX XXXX into my Santander account ending in XXXX on XX/XX/year>. When the check had not cleared at the end of the day on the XXXX of XXXX I called customer service at Santander and was told over the phone the funds would be in my account by end of day XX/XX/year>. I called today, XX/XX/year> and have NOW been told the funds are on an extended hold and will not be available now until XX/XX/year>. I spoke to XXXX supervisor at the Santander and my branch and NO ONE could verify why the hold was on my account or that they would call and verify funds and release the funds.

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 2025-08-22 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was recently moved to USA with my family, and we received financial assistant from refugee agency. I mistakenly deposited my checks and my children 's check to my Chase bank account. the chase bank received the funds, but they freeze my account. the bank stated that my account was freeze because fraud, they mentioned that I deposited my children 's check to my account which I suppose to not deposit them to my account.

as I mentioned that I am new in USA and don't have knowledge about the bank 's rules and regulations. 
now the bank asking for verified phone number that should be registered with my daughter 's name XXXX XXXX, that phone number already provided and we made sure with our phone carrier but bank still saying that the number is not registered or verified. 
we ask the bank that we are willing to provide any documents that verify our identity and address to resolve this problem, but the bank says that only a register phone number is solution. 
The bank did not provide any paper in the mail or email in order to attach here for your reference. 
Amount- {$4700.00} ( I don't remember the exact amount, it was around that amount ) Date- XX/XX/year> Bank Name- Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 Date : XX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
In XX/XX/year>, I was devastated to discover that my identity had been stolen. A fraudulent account appeared under my name, one that I never opened, along with several credit inquiries that I do not recognize. This has thrown my entire financial reputation into question and left me deeply distressed, as I never authorized such actions. 

I have tried to seek answers, but so far, I have received no clarity on how my personal information was misused. I feel exposed and defenseless, as if my financial life is being controlled by a stranger.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX  I notified TD Bank of my lost XXXX XXXX and there was a fraudulent transaction of {$850.00} on the card for a XXXX XXXX store in XXXX. There was an additional transaction fee of {$25.00} for this fraudulent purchase. On XX/XX/ I received provisional credits totaling XXXX, but on XX/XX/XXXX the credit of XXXX was reversed and I was again charged for this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 explanation
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 explanation
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
Applications have been made in my name without my knowledge or consent, resulting in fraudulent inquiries appearing on my credit report. I did not authorize these inquiries, nor have I given permission for these companies to access my credit file. These unauthorized pulls have negatively impacted my credit score and caused me unnecessary stress and XXXX.

I previously contacted your bureau, and a representative informed me that these inquiries would be removed. However, they are still showing 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 2025-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the lack of response from the three major credit reporting agenciesEquifax, Experian, and TransUnionfollowing my requests for credit reporting and account verification. 

On XX/XX/year>, I submitted written requests to each of the credit bureaus under my rights granted by the Fair Credit Reporting Act ( FCRA ). These requests included a demand for verification and validation of the information being reported on my credit file. 

As of today, it has been more than 30 days since my requests were submitted, and I have not received any response or verification from any of the three bureaus. This failure to respond within the legally required timeframe is a direct violation of the FCRA, and I am concerned about the accuracy and integrity of the information being reported under my name.

I respectfully request that the CFPB investigate this matter and take any appropriate action to ensure that the credit reporting agencies comply with federal law and respond to consumer disputes in a timely and transparent manner. 

I have attached copies of my original requests and any supporting documentation for your review. 

Thank you for your attention to this matter. I look forward to your response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding the lack of response from the three major credit reporting agenciesEquifax, Experian, and TransUnionfollowing my requests for credit reporting and account verification. 

On XX/XX/year>, I submitted written requests to each of the credit bureaus under my rights granted by the Fair Credit Reporting Act ( FCRA ). These requests included a demand for verification and validation of the information being reported on my credit file. 

As of today, it has been more than 30 days since my requests were submitted, and I have not received any response or verification from any of the three bureaus. This failure to respond within the legally required timeframe is a direct violation of the FCRA, and I am concerned about the accuracy and integrity of the information being reported under my name.

I respectfully request that the CFPB investigate this matter and take any appropriate action to ensure that the credit reporting agencies comply with federal law and respond to consumer disputes in a timely and transparent manner. 

I have attached copies of my original requests and any supporting documentation for your review. 

Thank you for your attention to this matter. I look forward to your response and assistance.

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 2025-08-22 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: MA

Complaint narrative:
Consumer Complaint Against : -Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type : Improper credit reporting / Re-aging of accounts, incorrect payment history, and inaccurate balances in violation of the Fair Credit Reporting Act ( FCRA ). 

Complaint Narrative : I am filing this complaint because several accounts on my Experian credit report appear to have been : - Improperly re-aged in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ). - Reported with inaccurate payment histories, showing missed or late payments that were not accurate. - Reported with incorrect balances that do not match the true amount owed at the time the accounts were closed or charged off.

The accounts in question are : XXXX XXXX Multiple closed accounts ending # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed account ending # XXXX XXXX Closed auto loan account ending # XXXX These accounts are being reported with delinquency dates and/or reporting periods that do not reflect the true Date of First Delinquency ( DOFD ). By re-aging these accounts, Experian and the furnishers are causing these negative items to remain on my credit report beyond the 7-year reporting limit mandated by law. 

In addition, the payment histories being reported contain inaccuracies, showing payments as late or missed when they were not, and the balances shown are not correct. These false entries further harm my credit standing and misrepresent my financial history. 

This practice is deceptive, harmful to consumers, and a direct violation of the FCRA. I have already disputed this information with Experian, but the inaccurate reporting remains. 

Requested Resolution : - Delete all improperly re-aged accounts.

- Correct or remove all inaccurate payment history entries. 
- Correct the balances reported to accurately reflect the final amounts owed. 
- Provide full documentation verifying the original DOFD for each account. 
- Ensure compliance with FCRA reporting timelines moving forward. 

Harm Suffered : The continued reporting of these re-aged accounts, inaccurate balances, and false payment histories has caused me to suffer from lower credit scores, denial of credit opportunities, and financial harm.

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