vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
Im filing a complaint regarding Discover Banks reporting of a closed account with an original balance of {$1000.00} as negative on my credit report. The account was fully paid off, and I have repeatedly tried to contact Discover Bank about the error, but have received no response. This inaccurate reporting is negatively impacting my credit score and causing undue stress. I request immediate correction of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I applied to open an account with XXXX  XXXX XXXX ( checking account ) and it was declined due to what they state was information provided by Early Warning Services. However, when contacting, they are unable to provide any information why it was declined and unable to assist. Pursuant to CFPB, this needs to be provided and neither XXXX  XXXX XXXX nor Early Warning Services can provide this information. It's also very misleading, as I received a targeted email from XXXX  XXXX XXXX with pre-approved and receive {$300.00} if you open an account, and when you apply ( it's not pre-approved ) and this is a hard inquiry on my credit as well. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
This collection XXXX XXXX XXXX XXXX XXXX is on my credit it is a fraudulent account I want it removed or I will fill a lawsuit

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 2025-04-17 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have done paying for my car and never been late. XXXX and XXXX never upddate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX  AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have 2 bankruptcies reporting on my credit that do not belong to me this is the only credit report that this is reporting on and this is clearly violating my rights and I will send in court documents and documents showing this is not linked to any other credit reports and will like this removed immediately please, XXXX  XXXX bankruptcy ref # XXXX and chapter XXXX.. I will like documents showing courts verified this with you under my full ssn, These bankruptcies belong to someone else not 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 2025-04-17 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: AZ

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has led to an unfamiliar and inaccurate account showing up under my name. I am a victim of identity theftsomeone used my personal information without my knowledge or consent, and now Im dealing with the aftermath. I followed proper procedure and filed an FTC report as advised by Experian, yet the fraudulent account is still present on my 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 2025-04-17 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: AZ

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has led to an unfamiliar and inaccurate account showing up under my name. I am a victim of identity theftsomeone used my personal information without my knowledge or consent, and now Im dealing with the aftermath. I followed proper procedure and filed an FTC report as advised by TransUnion, yet the fraudulent account is still present on my 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 non-monetary relief
Consumer complaint received 2025-04-17 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: MA

Complaint narrative:
That on XX/XX/2025, while reviewing my XXXX XXXX and TransUnion Consumer Reports I noticed XXXX ( XXXX ) fraudulent accounts that I did not authorize. Also XXXX ( XXXX ) unauthorized Hard Inquiries. Fraudulent Accounts : XXXX 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 Unauthorized 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the TransUnion consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge-offs and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-04-17 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: OneMain Finance Corporation
State: AL

Complaint narrative:
Ive recently checked my credit report and noticed in accurate inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing as a concerned consumer regarding several recent hard inquiries that have appeared on my credit report. Upon careful review, I noticed multiple entries that I do not recognize and did not authorize. I am requesting a thorough review and removal of the following inquiries, which I believe were made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
Unauthorized 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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As outlined in the FCRA, a consumer reporting agency may only release a credit report if there is a valid and certified permissible purpose. In these cases, I have no record of any such authorized credit activity, applications, or business relationships with the companies listed above.

I respectfully request that these inquiries be removed from my credit report as they appear to be unauthorized and are negatively impacting my credit profile. Additionally, I request confirmation once the removals have been completed.

Please consider this letter as my formal dispute and request under FCRA 611 ( 15 U.S.C. 1681i ). I appreciate your attention to this matter and look forward to a prompt resolution within the timeframe provided under federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing as a concerned consumer regarding several recent hard inquiries that have appeared on my credit report. Upon careful review, I noticed multiple entries that I do not recognize and did not authorize. I am requesting a thorough review and removal of the following inquiries, which I believe were made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
Unauthorized 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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As outlined in the FCRA, a consumer reporting agency may only release a credit report if there is a valid and certified permissible purpose. In these cases, I have no record of any such authorized credit activity, applications, or business relationships with the companies listed above.

I respectfully request that these inquiries be removed from my credit report as they appear to be unauthorized and are negatively impacting my credit profile. Additionally, I request confirmation once the removals have been completed.

Please consider this letter as my formal dispute and request under FCRA 611 ( 15 U.S.C. 1681i ). I appreciate your attention to this matter and look forward to a prompt resolution within the timeframe provided under federal law. 
Sincerely, 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A XXXX XXXX account ending in XXXX that was previously deleted from my credit report has been reinserted without my knowledge or permission. I did not receive the required 5-day written notice, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I disputed this account before and received confirmation that it was removed. 

In fact, on XX/XX/year>, TransUnion sent me the results of their investigation clearly stating that THIS ITEM WAS DELETED FROM YOUR CREDIT FILE, confirming the account was no longer listed. Now, without explanation or justification, this same account has reappeared. 

After researching my rights under the FCRA, I understand reinsertion must follow strict guidelines including written notice and certified accuracy none of which were provided in this case. This also violates 15 U.S.C. 1681b, as I never gave authorization for this account to be reported or shared again, and there is no permissible purpose. Additionally, re-reporting an account previously deleted as inaccurate or unverifiable violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

This reinsertion has caused financial harm, credit damage, and emotional distress. Im demanding the permanent deletion of this account, a written explanation of how and why it was reinserted, and immediate correction of this violation. If not resolved, I will escalate further under 15 U.S.C. 1681n and 1681o for willful and negligent noncomplia

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 2025-04-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late PaymenXXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Past Due : {$0.00}

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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2025, around XXXX XXXX, I was on the phone with my dad, XXXX XXXX. While we were talking, I attempted to send him {$2800.00} through XXXX. I didnt realize that I had accidentally sent the money to an old friend who shares the same first nameXXXX XXXX XXXX Without noticing the mistake, I went ahead and hit " send. '' After sending the money, I asked my dad if he received the full amount, and he told me he hadnt. Thats when I checked my bank statement and saw that the payment had gone to XXXX XXXX instead. I immediately hung up with my dad and called Bank of America customer service at XXXX XXXX  to explain the situation. They informed me that since the transaction had already been completed, they couldnt cancel it or retrieve the funds. They transferred me to XXXX customer service, but no one answered because their office was closed. 

Later that evening, I went to XXXX XXXX last known addresshis parents houseto try to speak with him in person and resolve the situation politely. His older sister ( who refused to give her name ) and his mother ( who didnt want to speak with me ) answered the door. They told me that XXXX no longer lives there and rarely communicates with the family, so they had no way of contacting him. I asked his sister for her phone number, but she replied, " Sorry, I don't give out my number, but you can give me yours and Ill keep you updated. '' That response raised red flags for me and made me feel she was lying and covering for her brother, which led me to believe XXXX was actually there at the house. 

I left shortly after and went back home. I stayed up until XXXXXXXX XXXX, only getting a two-hour nap, so I could be one of the first to reach XXXX customer service when they opened. On XX/XX/2025, at XXXX XXXX, I spoke with a XXXX representative and explained the situation in detail. They told me it could take 10 to 45 days to try and contact the receiving bank and the person who received the fundsXXXX XXXX. They also asked me for information about who the money was supposed to go to, including the recipients name, email, and phone number.

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 monetary relief
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

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

Company response to consumer: Closed with non-monetary relief