vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file.

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 2025-06-24 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:
It has come to my attention my personal information has been exposed in a national data breach. Ather reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached copy of my ID, FTC complaint, a copy of the report showing my information showing my information being exposed in national databreach and and a debt validation letter

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
discovered an account from XXXX reported as a charge-off with a {$9700.00} balance on my credit report from XXXX  I never applied for or used this account. I am a victim of identity theft. I submitted an FTC Identity Theft Report and notified the credit bureaus requesting the removal of this fraudulent account under FCRA 1681c-2, but no action has been taken. I request the CFPB to investigate this matter and ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Date : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Request for Removal of Inaccurate and Negative Accounts To Whom It May Concern, I am writing to formally dispute and request the removal of several inaccurate, outdated, or unverifiable entries from my credit report as provided by Experian ( Report Number : XXXX XXXX, generated on XX/XX/year> ). In accordance with the Fair Credit Reporting Act ( FCRA ), I request a reinvestigation and deletion of the following accounts that are reporting negatively and affecting my credit profile : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX  Account # : XXXX Status : Charged off {$1600.00} balance Request : Remove due to inaccuracies in balance and failure to verify debt validity. 
XXXX. XXXX ( XXXX XXXX ) Account # XXXX XXXX Status : Charged off {$710.00} balance Request : Remove as the balance charged off exceeds the original credit limit and shows inconsistent payment history. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Status : Paid and Closed {$21000.00} charged off Request : Account has been settled and paid. Reporting a charge-off is misleading and does not reflect full resolution. 
XXXX XXXX XXXX XXXX Account # : XXXX Status : Active collection {$350.00} Request : Original creditor XXXX XXXX XXXXXXXX has not validated this debt upon previous requests. Please remove. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Status : Charged off {$1200.00} balance Request : Dispute due to unverified reporting and continued inaccuracies after past disputes. 
In accordance with Section 609 and Section 611 of the FCRA, I am requesting : A thorough reinvestigation of each of these items.

The method of verification used.

Copies of any documents that support the accuracy of the disputed items.

If these items can not be verified or corrected within 30 days, I respectfully request they be deleted from my credit report.

Attached to this letter are the following documents to assist with your investigation : A copy of my credit report A government-issued ID Proof of address ( utility bill or lease ) Any relevant supporting documents Thank you for your prompt attention to this matter. I expect written confirmation of the outcome of your investigation.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Date : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Request for Removal of Inaccurate and Negative Accounts To Whom It May Concern, I am writing to formally dispute and request the removal of several inaccurate, outdated, or unverifiable entries from my credit report as provided by Experian ( Report Number : XXXX XXXX, generated on XX/XX/year> ). In accordance with the Fair Credit Reporting Act ( FCRA ), I request a reinvestigation and deletion of the following accounts that are reporting negatively and affecting my credit profile : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX  Account # : XXXX Status : Charged off {$1600.00} balance Request : Remove due to inaccuracies in balance and failure to verify debt validity. 
XXXX. XXXX ( XXXX XXXX ) Account # XXXX XXXX Status : Charged off {$710.00} balance Request : Remove as the balance charged off exceeds the original credit limit and shows inconsistent payment history. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Status : Paid and Closed {$21000.00} charged off Request : Account has been settled and paid. Reporting a charge-off is misleading and does not reflect full resolution. 
XXXX XXXX XXXX XXXX Account # : XXXX Status : Active collection {$350.00} Request : Original creditor XXXX XXXX XXXXXXXX has not validated this debt upon previous requests. Please remove. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Status : Charged off {$1200.00} balance Request : Dispute due to unverified reporting and continued inaccuracies after past disputes. 
In accordance with Section 609 and Section 611 of the FCRA, I am requesting : A thorough reinvestigation of each of these items.

The method of verification used.

Copies of any documents that support the accuracy of the disputed items.

If these items can not be verified or corrected within 30 days, I respectfully request they be deleted from my credit report.

Attached to this letter are the following documents to assist with your investigation : A copy of my credit report A government-issued ID Proof of address ( utility bill or lease ) Any relevant supporting documents Thank you for your prompt attention to this matter. I expect written confirmation of the outcome of your investigation.

Sincerely,

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 2025-06-24 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$500.00} 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 XXXXXX/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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, my vehicle ( XXXX XXXX XXXX, XXXX ending in XXXX ) was declared a total loss by XXXX XXXX XXXX. On XX/XX/XXXX, a check in the amount of {$46000.00} was mailed and later cashed by Santander Consumer USA. 

After that, my XXXX insurance provider ( XXXX XXXX ) paid an additional {$6300.00} to Santander on XX/XX/XXXX to cover the remaining deficiency balance. Additionally, XXXX refund credits were applied to the loan totaling {$4300.00} ( from a prepaid maintenance plan and vehicle service contract ). All three payments together satisfied the full payoff amount of {$57000.00}, as reflected in the XXXX claim documentation. 

Despite receiving and cashing all funds, Santander continues to : Report an active balance on my credit report ; Show an amount due of {$1000.00} as of XX/XX/XXXX ; XXXX me monthly at {$1400.00}, with an interest rate of 18.12 %, on a loan that should be closed. 


I requested a full loan reconciliation, confirmation of payoff, and an update to my credit report. As of today, no explanation has been provided, and the account is still being treated as open. 

This behavior is deceptive, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that Santander : 1. Immediately close the loan and stop billing.

2. Update the credit bureaus to reflect the account as Paid in Full via Insurance/XXXX

3. Provide a written accounting of how all payments were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-06-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege to dispute negative information, I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the 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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I opened an XXXX XXXX XXXX  on XX/XX/year> after being told by a store associate that the XXXX would be 21 %. I specifically asked for this information before applying. I later discovered the XXXX was actually 33.99 %. I never would have agreed to open the card had I known the true rate. This was a clear case of misinformation during the sales process. I asked Barclays to close the account with no impact to my credit, as I was misled. They have not been helpful with the request via messages and on the phone the customer support wasnt able to guarantee that my credit wouldnt be affected or that the hard pull would be reversed.

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 2025-06-24 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

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 2025-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally follow up on a previous dispute concerning unauthorized hard inquiries that continue to appear on my Experian credit report, despite multiple requests for investigation and removal. 

I am extremely disappointed with your agencys ongoing failure to address this matter. XXXX and XXXX have already completed their investigation and removed the disputed inquiriesso I must ask : When is Experian going to comply?

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
Ive been a blockchain verified user since XXXX  recently I started using the trading account and Ive done few trades my ID expired so I had to redo the verification they wouldnt let me do it anymore and restricted my account with my money still in it, Ive written to their support for over XXXX  days now with this ticket number # XXXX, From the following screenshot I attached they clearly told me I could withdraw my balance as I cant trade anymore, I accept the company decision as I uploaded a valid ID, I dont understand the reason why they wont let me have the balance, I want an explanation as I didnt violate any rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TN

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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