vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX Date : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am disputing an inaccurate account that appears on my credit report from XXXX XXXX ( Account ending in XXXX ). This account is not mine. I did not authorize this auto lease/loan, and I have no knowledge of it. The account is showing as opened in XX/XX/year>, with a high balance of {$11000.00} and a monthly payment of {$360.00}, but I have never held any such account or agreement with XXXX XXXX. 

Despite showing as " Closed '' and {$0.00} balance, the account still reflects late payments from XXXX, which are damaging my credit score. 

Request : I am formally requesting that this account be : Investigated for identity theft or reporting error. 

Removed from all three credit bureaus : XXXX, Equifax, and XXXX 

Accompanied by a confirmation in writing that the account has been deleted. 

Attached : Screenshot of the erroneous account reporting [ Optional : Any ID theft reports, police reports, or FTC Identity Theft Affidavit ] Please address this urgently, as this account is negatively affecting my creditworthiness. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have a checking account with Santander Bank, and on XX/XX/2025, I received an alert on my phone for a debit card purchase at XXXX that I did not authorize. I immediately called the bank and was asked if I had my debit card in my possession, and thats when I realized it was missing. The representative walked me through the steps to report the fraud, cancel the card, and open a claim. I was told I would receive a provisional credit and a new debit card within XXXX business days. However, after more than XXXX business days ( including a holiday ), I received a message stating that my claim was closed because the transaction was made using my PIN number. I called to ask how I could prove that I did not use the PIN and had not authorized anyone else to use it, but the representative said they could not tell me what type of evidence to submit and simply repeated that the PIN had been used. I called again and spoke to a different representative, explained that the PIN had always been my birthday and that my ID was also missing, and they reopened the claim. However, I still have not received a credit. {$1400.00} is a significant amount of money, and being told to wait XXXX more days after already waiting a monthwithout resolutionis extremely disappointing. Ive always done good business with Santander, and Im very frustrated with how this situation has been handled.The transaction was for 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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing a complaint regarding monthly maintenance fees charged on a joint checking account I hold with Bank of America XXXX XXXX XXXX Banking, account ending in XXXX ). This account is co-owned with my mother, who does not live in the United States, and it is not regularly used or monitored. I recently discovered that a XXXX XXXX XXXX  maintenance fee has been deducted from the account consistently, at least since early XXXX. Unfortunately, I am unable to view transaction history before XXXX, so I do not know if these charges go back even further. 

These charges were completely unintentional. I also maintain a separate Bank of America checking account ( XXXX XXXX XXXX XXXX, account ending in XXXX ), which consistently maintains a high balance and meets the banks fee waiver requirements. I assumed my overall banking relationship including combined balances would prevent maintenance fees from being assessed on either account. 

More importantly, I never received any notification, email, or alert from Bank of America regarding the recurring fees on the XXXX account. Had I been made aware, I would have immediately transferred funds to meet the requirement. After discovering the charges, I contacted Bank of America to request a refund, but my request was denied, even after an appeal and explanation of the circumstances. 

I believe the lack of notification over a long period, especially for a low-activity joint account with a non-U.S. resident, is unreasonable and not in line with customer service standards.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
My husband and I received a {$4900.00} ( {$4000.00} ) loan through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. After much unprofessionalism and disagreements with the company, the loan was not paid in full. After the XXXX XXXX won a judgment in court for the remaining balance, it was garnished from my husband 's paycheck for several years past the amount owed to the XXXX XXXX. A refund was sent to our address for the overpayment. 

We then receive correspondence from Weltman, Weinberg & Reis Co., LPA stating my husband owes the company - a representative of XXXX XXXX XXXX XXXX XXXX - $ XXXX for the above referenced loan. After leaving a detailed message on several occasions and a letter stating the debt was satisfied in court and we do not owe the money, I received a letter today addressed to my attention for the same debt. Enclosed was a falsified document dating back to XX/XX/XXXX with a running ledger from XX/XX/XXXX - XX/XX/XXXX, amounting to their request of {$4900.00}. 

This debt was satisfied in XXXX XXXX XXXX. Unfair is the practice, that takes advantage of consumers who may comply with a company because it appears to be a lawful debt. I am not that kind of consumer and will go great lengths to sue this company who continuously attempts to prey on past debt as leverage for fraudulent collection practices. Please let me know how and if you could assist us with holding this company accountable for such practices.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
On XX/XX/year> I attempted to buy {$5000.00} in XXXX with Coinbase. Due to my bank & XXXX limits, I had to do this in XXXX separate {$1000.00} transactions. Unfortunately Coinbase only credited me with {$4000.00} of XXXX. I messaged Coinbase immediately and they said to contact XXXX & my bank. Both my XXXX and bank statements confirmed I had {$5000.00} withdrawn from my account whereas my Coinbase account only shows a credit of {$4000.00}. Coinbase told me to dispute the failed transaction. As they were all the same amount I dispute the {$1000.00} transaction I believed to be the XXXX. Coinbase immediately froze my account, confiscated the little crypto I had in my account ( roughly {$170.00} ) and has since demanded I pay them the remaining {$830.00} for the dispute/chargeback but ignoring the fact that they never gave me credit for XXXX of the transactions to begin with. I have been emailing back and forth with them for a month now and getting nowhere. I have supplied statements clearly showing they never gave me credit for the all of the transactions but they ignore that and keep reiterating that I disputed the wrong {$1000.00} transaction and owe them money. I would simply like them to see their error and reinstate my account, restore my crypto and my account to be at a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$8100.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identoty theft. Scammer opened Fraud account in my name with XXXX XXXX XXXX XXXX on XX/XX/2025. It was reported to my Equifax credit report on XX/XX//2025. So far {$710.00} have been charged to my account. Tried calling XXXX XXXX XXXX XXXX on the phone number listed on my credit report ( XXXX ) on XX/XX/2025 at XXXX XXXX ( pacific time ) Couldnt get to any live human agent. Was just directed to Dispute the account with the credit bureau if it showed up on my credit report. That is such an Unacceptable way to handling fraud cases. First of all, XXXX XXXX XXXX XXXX opened an account in my name without my consent, second they let the scammer use {$710.00} from it and now they are providing XXXX help in mitigating it and want me to dispute it with my credit bureau? It is XXXX XXXXXXXX XXXX XXXX Mistake that they did NOT DO the Due diligence and 'enabled " a scammer to open a fraud account and take money out in my name. 
XXXX XXXX XXXX XXXXXXXX is making it easy for FRAUD Scam Artists to scam people. XXXX XXXX XXXX  XXXX needs to be investigated for their lenient business practices which is only helping Scammers by making it too easy to open accounts in other people 's names without going thru rigorous ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
I have contacted this company several times in regards to the incorrect balance and dates. Nothing has changed with them sending me anything or updating my credit. The also stated I made a payment in XXXX of XXXX that I did not make. They stated that payment was made intern by them but still shows on my credit as if I made the payment. This has restarted the clock on the debt. They are violating my consumer laws as this debt is too old to be on my credit per the 7 year law. And reporting incorrect information. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. 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