vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I requested a XXXX XXXX agreement and Chain Assignment from Caine & Weiner. This request was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i had a account with bank of America that was closed many years ago and turns out i owed money to them i paid them and 6 months later they said i still owed them i paid them that amount again which i find weird and on my end on chexsystems it shows delinquency or fraud i want this taken out of me account because its so frustrating that i cant open a account with anyone because of bank of America kees reporting that this been going on for over a year now its so frustrating.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
I got an alert that my car loan amount increased on my car loan through my credit. It was reported at {$30000.00} then they reported it at {$30000.00} when that is incorrect because I have been making my car payments on time with them every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its continued failure to remove XXXX fraudulent accounts from my credit report, despite multiple disputes, the submission of a police report and FTC Identity Theft Report, and removal of these same accounts by the other major credit bureaus. 

The fraudulent accounts in question are : XXXX XXXX {$480.00} XXXX {$200.00} I did not open or authorize these accounts. Upon discovery, I immediately took all appropriate steps to address the identity theft, including : Filing a police report documenting the fraudulent activity. 

Filing an FTC Identity Theft Report via XXXX. 

Submitting multiple disputes to TransUnion, along with all supporting documentation including the police and FTC reports. 

Successfully disputing and having these accounts removed from both XXXX  and XXXX. 

Despite my diligence and full cooperation, TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 611 ( 1681i ) Failure to conduct a reasonable reinvestigation and remove inaccurate information. 

FCRA Section 605B ( 1681c-2 ) Failure to block information resulting from identity theft within the required XXXX business days after receiving the appropriate documentation. 

FCRA Section XXXX ( A ) Neglecting to ensure maximum possible accuracy and fairness in the reporting of consumer information. 

I have been disputing these accounts for over XXXX months, and they remain on my TransUnion credit report, causing continued harm to my credit and financial standing. TransUnions inaction demonstrates a willful and negligent violation of federal consumer protection laws. 

I respectfully request that the CFPB : Investigate TransUnions repeated failure to remove the fraudulent accounts listed above. 

Take immediate steps to ensure that TransUnion permanently deletes these accounts from my credit report. 

Hold TransUnion accountable for violating the FCRA and failing to protect my rights as a consumer. 

I have included all supporting documentation, including copies of my dispute letters, police report, FTC Identity Theft Report, and evidence that the accounts have already been removed by XXXX  and XXXX. 

Thank you for your time and for assisting in the enforcement of consumer rights. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am filing this dispute with the CFPB against XXXX XXXX XXXX. A class action lawsuit XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was filed against XXXX XXXX XXXX in the XXXX XXXX for the XXXX XXXX XXXX California on XX/XX/XXXX, XXXX the case is listed as a telephone Consumer Protection Act ( TCPA ) 47 USC 227 engaging in unfair deceptive, or abusive acts and practices regarding loan extensions and payment allocation. I was threaten daily with phone calls even after I paid the loan off. they would call and threaten me several times a day calling my job which caused me great XXXX XXXX, the constant pre-recorded voice messages auto dialing to call my cell phone. harassing the people I had listed on my loan application. I am asking that they be held accountable for their actions. Account Number ( 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this dispute with the CFPB against XXXX XXXX XXXX. A class action lawsuit XXXX et al v. XXXX XXXX XXXX was filed against XXXX XXXX XXXX in the XXXX XXXX for the XXXX XXXX XXXX California on XX/XX/XXXX, XXXX the case is listed as a telephone Consumer Protection Act ( TCPA ) 47 USC 227 engaging in unfair deceptive, or abusive acts and practices regarding loan extensions and payment allocation. I was threaten daily with phone calls even after I paid the loan off. they would call and threaten me several times a day calling my job which caused me great mental anguish, the constant pre-recorded voice messages auto dialing to call my cell phone. harassing the people I had listed on my loan application. I am asking that they be held accountable for their actions. XXXX  XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am filing this dispute with the CFPB against XXXX XXXX XXXX. A class action lawsuit XXXX et al v. XXXX XXXX XXXX was filed against XXXX XXXX XXXX in the XXXX XXXX for the XXXX XXXX XXXX California on XX/XX/XXXX, XXXX the case is listed as a telephone Consumer Protection Act ( TCPA ) 47 USC 227 engaging in unfair deceptive, or abusive acts and practices regarding loan extensions and payment allocation. I was threaten daily with phone calls even after I paid the loan off. they would call and threaten me several times a day calling my job which caused me great mental anguish, the constant pre-recorded voice messages auto dialing to call my cell phone. harassing the people I had listed on my loan application. I am asking that they be held accountable for their actions. Account 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 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 explanation
Consumer complaint received 2025-07-22 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 am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " XXXX  days past due '' delinquency. XXXX  is reporting " Paid account/was XXXX  days past due '' with a " XXXX delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least XXXX  days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XX/XX/year> I asked XXXX to give me the number for Halstead financial, just to be sure that Im calling the actual company. They answered and when I told them I received an email for someone named XXXX XXXX, the representative immediately said oh oh we will delete it, we will delete it. I said no I want to understand why you have my email address under someone elses name. He said let me have the reference number so I gave it to him from that email. He looked it up. He then said if youre not XXXX XXXX, then I can not talk to you. I said I need to understand why you have this person underneath my email address and why you are sending me his debts, I need to know if this is fraudulent under my Social Security number. He said he couldnt help me so I asked for a supervisor. The supervisor gave me the same song and dance. How do you send me an email with someone elses name on it asking me for payment on an account that is not mine. How did you get my email address? He kept saying he couldnt talk to me because I was not XXXX. So I told him OK I will be reporting this just so you know because I have had fraud on my Social Security number. Someone tried to open an account with XXXX XXXX and also with an investment company XXXX XXXX. I will attach the email, as it has no information about me, except for the fact that it was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I renewed my Citi / AAdvantage Executive World Mastercard membership with a {$590.00} annual fee. However, on XX/XX/year>, due to suspected fraudulent activity on the account, I contacted Citi Customer Service to cancel the card and have the balance and associated activities transferred to a new card. 

During the call, the representative assured me that a prorated refund of the annual fee would be issued. I specifically asked multiple times for confirmation, especially since one of the card 's primary benefitsXXXX XXXX accesswould no longer be available to me after cancellation. I was told the call was recorded and that a credit would be processed. 

After not receiving any confirmation or refund, I followed up with Citi Customer Service again on XX/XX/year> and spoke with a supervisor named XXXX ( XXXX Florida office, phone : XXXX ). XXXX confirmed that a refund was indeed due and stated she would escalate a request to her manager for approval. 

However, on XX/XX/year>, XXXX called back to inform me that two reputable managers reviewed the case and that Citi would not issue the refund. She further stated there were no additional options available to escalate the matter. When I requested to speak with her manager directly, I was placed on hold and later informed that the manager refused to take the call.

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 2025-07-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : Citi AAdvantage Platinum Select Cards Charges not made by me to the credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As soon as I received the notification of these charges, I proceeded to call Citi and told them to decline the transactions, that I didn't do the purchases ; Citi even told me to call the merchant, so I called XXXX XXXX, and they said I had to call Citi to decline the purchase. Even though Citi credited the amounts while investigating, they came back saying that I'm responsible for the charges and reversed the credits. I have wasted a lot of my time calling Citi on several occasions, where sometimes is almost impossible to understand the person I'm speaking with, as most of the fraud department agents are from another country. This has been very frustrating trying to resolve this issue.

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