vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Complaint was made to HSBC USA XX/XX/year> initial ref XXXX then updated to XXXX. 

High level overview : My HSBC USA account was mistakenly shut down, confirmed as a mistake by HSBC USA. Up to this time, I had been continuously charged {$50.00} for not meeting the HSBC Premier criteria ( even though I qualify through my savings held in the HSBC Australia Premier account ), and then reimbursed and told it wouldn't happen again. This happened XXXX times and on the fourth time the account was shut down with no communication or notice. 

HSBC USA was made aware of this and, as I was told on the phone, was apparently seeking to reinstate my account. I then heard nothing. 

XXXX XXXX contacted me on XX/XX/XXXX letting me know she was the point of contact and she was conducting a review. 

I followed up on XX/XX/XXXX, and didn't get a reply until XX/XX/XXXX where XXXX said she was still working on it. 

I have followed up again on XX/XX/XXXX and XX/XX/XXXX with no response. 

Right now this matter is unresolved and I can't even access my bank statements. 

Losing my accounts, in this way, without notice or support, has caused significant hardship. Especially as an international student with a family. Thankfully I have back up bank accounts that I could use, otherwise it would've been disastrous. 

This issue coincided with HSBC Australia making a mistake that locked my accounts there too, but that has since been resolved.

This issue is the final straw on a horrible end to end customer experience with this bank. I have serious concerns about HSBC 's level of trust and ability to support customers in the US and globally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-03 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 recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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, 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 explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
In XXXX and XX/XX/year>, I noticed that TransUnion and Equifax were reporting outdated and incorrect account balances for my XXXX  XXXX credit card. My actual balance, as of early XXXX, is {$1600.00}, but both bureaus were still reporting an amount of {$1700.00}. Experian reported an even higher amount of {$2600.00}, even though I paid it down, and it's no longer in Derogatory. All XXXX bureaus also mention that I have a XXXX  XXXX credit card ending in XXXX with a balance of {$410.00} ; however, the only accounts I have are my XXXX account and XXXX XXXX account. My FICO score is XXXX ; however, my XXXX score is significantly lower. On TransUnion, it shows that the Experian score is XXXX, but when I called Experian, they said that the score was XXXX and shows incorrect payment information. I also paid off my loan for XXXX, and that needs to be updated on all of these bureaus as well. These inaccurate and outdated reports are preventing me from getting approved for housing, even though my current score and balances meet the qualifications. I am requesting that TransUnion and Equifax immediately update my XXXX XXXX account to reflect the correct balance and ensure that all scoring models reflect the accurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX and XX/XX/year>, I noticed that TransUnion and Equifax were reporting outdated and incorrect account balances for my XXXX  XXXX credit card. My actual balance, as of early XXXX, is {$1600.00}, but both bureaus were still reporting an amount of {$1700.00}. Experian reported an even higher amount of {$2600.00}, even though I paid it down, and it's no longer in Derogatory. All XXXX bureaus also mention that I have a XXXX  XXXX credit card ending in XXXX with a balance of {$410.00} ; however, the only accounts I have are my XXXX account and XXXX XXXX account. My FICO score is XXXX ; however, my XXXX score is significantly lower. On TransUnion, it shows that the Experian score is XXXX, but when I called Experian, they said that the score was XXXX and shows incorrect payment information. I also paid off my loan for XXXX, and that needs to be updated on all of these bureaus as well. These inaccurate and outdated reports are preventing me from getting approved for housing, even though my current score and balances meet the qualifications. I am requesting that TransUnion and Equifax immediately update my XXXX XXXX account to reflect the correct balance and ensure that all scoring models reflect the accurate information

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 2025-07-03 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper has failed to pay my property taxes on multiple occasions. I spent countless hours to correct the mistakes. They recently fixed this, and sent a payment to the taxes. Now they are increasing my escrow for the amount the exact difference, double counting the payment. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a survivor of XXXX XXXX  and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established in my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate measures to correct any inaccuracies or fraudulent activities that may have taken place. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-07-03 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: CA

Complaint narrative:
I have submitted multiple good-faith disputes to Experian regarding inaccurate, incomplete, and unverifiable information that continues to appear on my credit report. Despite my repeated efforts, including multiple formal dispute letters with supporting documentation, Experian has failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Experian has failed to provide original documentation, contracts, payment records, or any legally required verification to justify the continued reporting of the following inaccurate accounts : XXXX Charge Card Opened : XX/XX/XXXX Balance : {$0.00} XXXX Charge Card Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  Charge Card XXXX : XX/XX/XXXX Balance : {$0.00} The XXXX XXXX  account has been disputed seven times without resolution, which demonstrates willful disregard for my consumer rights. Experian has either failed to respond properly, claimed my disputes were frivolous, or failed to provide lawful verification. 

This continued failure to correct inaccurate information is causing significant harm to my creditworthiness and is in direct violation of FCRA Sections 611, 609, 1681n, and 1681o.

I am requesting the CFPBs assistance to compel Experian to conduct proper reinvestigations, provide lawful documentation or permanently delete any unverifiable accounts, and to take action against any willful noncompliance.

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 2025-07-03 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX and cash app say I have money being held my cash app I sponsor an account thats supposed to be my son but phone number doesnt match so cash app not saying about what going on in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

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 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 2025-07-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX 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 2025-07-03 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I am submitting this complaint against Santander XXXX  USA due to ongoing violations of federal credit and billing laws. 

The company has reported my credit card account as closed, yet continues to show it as delinquent with updated late payments after the closure date. According to my credit report from XXXX, the delinquency is still showing as updated or reported recently, despite the account having no new activity and being closed. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or misleading information. Reporting ongoing delinquencies on a closed account constitutes re-aging the debt, which is illegal and unfairly damages my credit profile.

In addition, the creditor or its third-party agent failed to comply with 15 U.S.C. 1666b ( a ) of the Truth in Lending Act ( TILA ). Payments were marked as late even though billing statements were not delivered at least 21 days prior to the due date, as required by law. If a collection agency was responsible for sending statements, they did not issue monthly, Regulation Zcompliant billing statements as required. This invalidates any late fees, charges, or delinquency notations. 

I am requesting the following : Removal of all late payment or delinquency notations on the closed account A full investigation into the billing and reporting practices Proof that any billing statements were sent properly and lawfully Enforcement of compliance with FCRA, TILA, and the Fair Credit Billing Act ( FCBA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GOLDMAN SACHS BANK USA
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 2025-07-03 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: WI

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief