vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( SSN : SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : 1. XXXXXXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX  Account Number : XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( SSN : SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 am demanding the immediate removal of unauthorized and unverified hard inquiries from my credit report with Equifax. 
Under the Fair Credit Reporting Act ( FCRA ) 604, no hard inquiry may be placed on a consumer 's credit report without the consumers explicit written consent or a legally permissible purpose.

I previously requested that the credit reporting agency provide proof of authorization for these inquiries in the form of signed applications or written consent, and no such documentation has been provided within the required timeframe. 
These inquiries were not initiated or authorized by me, and therefore, are in direct violation of the FCRA. 
Inquiry Details Company Name : XXXX XXXXXXXX XXXX Date : XXXX XXXXXXXX XXXX  Company Name : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Company Name : XXXX XXXXXXXX XXXX  Date : XXXX XXXX XXXX  Company Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> I demand that these unauthorized and unverifiable inquiries be immediately deleted from my credit report. 
Please confirm this request has been completed within 4 business days, and notify me in writing once these inquiries have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX  XXXX Account number : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-06-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX  XXXX Account number : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/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 2025-06-13 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: MD

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 explanation
Consumer complaint received 2025-06-13 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: RI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am demanding the immediate deletion of the following COLLECTION from my credit report with TransUnion. 
The account is reporting inaccurate, outdated, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623.

I previously requested verification and validation of the account, including signed contracts and complete payment history, which have not been provided within the legally mandated timeframe.

Since the account can not be verified as accurate and current, I demand that it be immediately deleted from my credit report. 
Please also remove any associated hard inquiries related to the account. 
Account Details Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Failure to comply will result in further complaints to the Federal Trade Commission ( FTC ) and potential legal action for violations of 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 non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I have an compliant # XXXX regarding Inquiring I'm unaware of I'm uploading My FTC 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 2025-06-13 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX  XXXX Account number : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Wilber and Associates, P.C.
State: NH

Complaint narrative:
Im submitting this complaint because Wilber Group is refusing to work with me in good faith to resolve a disputed subrogation debt. 

The claim stems from a minor rear-end accident ( approx. XXXX mph ) on XX/XX/XXXX, with a XXXX XXXX XXXX. The damage was purely cosmetic ( bumper and tailgate only ), yet Wilber is demanding {$13000.00}, an amount that is grossly inflated and disproportionate to the actual damage. 

I never received a proper XXXX hearing because Wilber previously told me there was no hearing scheduled, which caused a default and license suspension. 

On XX/XX/XXXX, from XXXX XXXX to XXXX XXXX EST, I spoke with XXXX Wilber representatives : First, a rep who identified herself only as XXXX Then I was escalated to a manager named XXXX During that call, I made multiple formal offers to settle, including : {$3000.00} lump sum {$3500.00} with structured monthly payments And finally, {$4000.00}, with {$2000.00} ready to pay immediately I also explained my financial hardship : I am a single-income parent of a XXXX, currently unable to work because my license is suspended. I clearly stated that my ability to pay decreases daily. 

Wilber refused all offers and made several questionable statements : That they do not accept settlements under 50 % That they do not allow structured payment plans That they refuse to provide rejection letters or document their denial That they dont keep records of unresolved negotiations These responses were given despite my being legally allowed to record the call under XXXX XXXXXXXX XXXX consent law. I have done everything possible to resolve this matter fairly, and I believe Wilber is intentionally obstructing resolution, which is harming my livelihood. 

I am requesting that the CFPB review Wilber Groups handling of this matter and require them to : Provide a written decision Allow a fair settlement Cease obstructing the reinstatement of my license

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I previously disputed this account and submitted a CFPB complaint. The collector ( FABCO ) responded with a final billing statement from a property manager, but it does not meet FDCPA validation requirements. 
The statement includes discretionary charges for alleged cleaning, trash, and minor wear and tear that are not collectible under landlord-tenant laws. I vacated the unit prior to the rent period they charged me for. They also failed to provide a signed lease agreement or proof of collection rights. 
I am requesting this account be removed from my credit reports due to failure to provide proper validation. I am resubmitting this complaint with clarification and additional context. 
The creditor acknowledged some of the alleged damages in the original move-in inspection, which proves these charges are either pre-existing, normal wear, or unjustified. 
These charges should never have been deducted from my security deposit, nor sent to collections. FABCO has not produced a lease or any legal proof showing I agreed to these charges, and their " validation '' is insufficient. 
I request deletion of this account due to failure to properly validate and multiple billing errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Cash App card was stolen and used for unauthorized transactions on XX/XX/XXXX and XXXX, 2025, in XXXX, XXXX, and XXXX XXXX, California. I was physically in XXXX, California on those dates and did not authorize any of those transactions. I did not give my card, PIN, or account access to anyone. 

I reported the card stolen and filed disputes for each charge. Cash App approved XXXX of the fraudulent charges, which confirms that unauthorized use occurred. However, they denied the remaining ones even though they were under the exact same conditions. I formally asked them to reinvestigate. 

I called Cash App support on XX/XX/year>, and was told a reinvestigation was in progress. I was given case number XXXX. Despite that, I was later denied again. 

I believe this violates the XXXX XXXX Transfer Act ( Regulation XXXX ), which protects consumers from liability for unauthorized transactions. I am requesting a full refund of the remaining disputed transactions and a proper explanation of the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XXXX my commercial loan was transferred to Shellpoint. I already have a non commercial loan with them for my primary home. Since taking on servicing an additional loan for me Shellpoint/Newez has made several mistakes with managing my loans. 

In XXXX I was informed they received an extra payment on my commercial loan, making the next payment due in XXXX instead of XXXX. I requested they skip a payment so I wouldn't be a payment ahead. They have failed to do so even after speaking with someone in XXXX, then XXXX. Each month in which they told me they stopped payments temporarily they didn't. Instead they continued debiting my account. On XXXX I requested they refund the extra payment into my checking account. Upon calling today XX/XX/year>, I was told they mailed me a check instead. I was told they would attempt to stop pay on the check and follow-up on whether a credit could be ACH 'd into my checking. 

During this fiasco they stopped payments on my primary home without me requesting this. I asked them to provide proof of who requested this and they have not. Instead I have had to contact them in XXXX and XXXX to initiate payments. They are now telling me that I have to initiate the ACH process again and that they can not activate it. Mind you when I made the manual payment in XXXX I was informed that the ACH would reactive in XXXX. 

I want this company to get their act together and to tell me why ACH debits were not stopped as requested on my commercial loan. I want to understand why they were stopped on my personal loan and I want them to reactive the ACH. I also want to know why my refund was not deposited as requested and what the status of my refund is and when it will arrive 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 2025-06-13 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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