vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am submitting this complaint with complete certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they are seriously damaging my credit score and preventing me from achieving financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-04 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION

Complaint narrative:
Its a complaint against Xoom, a service provided by XXXX, regarding a series of transactions that have resulted in the unlawful withdrawal of funds from my account, which I believe constitutes theft. 

XXXX XXXX : XXXX. Date : XXXX XXXX Amount : XXXX Transaction ID : XXXX XXXX. Date : XXXX XXXX Amount : XXXX Transaction ID : XXXX On XXXX XXXX and XXXX XXXX, I initiated these transfers from my XXXX account to my Spanish bank account using Xoom. The transactions were completed ; however, on XXXX XXXX and XXXX XXXX, the exact same amounts were debited from my Spanish account, recorded as purchases made by card Xoom XXXX without my authorization ( case is reported to Spanish police ) - Date : XXXX XXXX - Amount : XXXX - Date : XXXX XXXX - Amount : XXXX Since then, I have reached out multiple times to address my concerns but have not received a satisfactory explanation regarding the status of my funds or the reasons for the withdrawal. This lack of response is unacceptable and has left me feeling extremely frustrated. 

Throughout this process, I feel as though I have been passed from pillar to post, with no clear resolution in sight. Xooms customer service has proven difficult to reach, and the quality of service I have received has been appalling. I was advised to email their so-called department, which I have done on numerous occasions, yet I have received no responsenot even an acknowledgment of my emails. This complete absence of communication is alarming, especially from a company that claims to be legitimate and is affiliated with XXXX. 

This situation has caused me significant stress and financial difficulties, as I rely on these funds for essential expenses. The manner in which these funds were withdrawn, without my consent and with no clear explanation, appears to be tantamount to theft. It is frightening to think that a company like Xoom, which operates under the XXXX umbrella, is allowed to trade while disregarding customer rights and concerns. 

In their previous communication, I was informed : " Per Xoom 's policies, and the rules and regulations of certain receiving countries, Xoom will not accept this type of transaction because the service allows you to send money to family, friends, or acquaintances, but it is not allowed to send money to institutions, companies, or commercial stores to sell or buy products to protect Customers ' money from any fraud or suspicious activity. '' This response is irrelevant to my situation and seems to be a generic reply that does not address my specific questions or concerns. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-08-04 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Initiated complaint ; about BofA to cfpb on XX/XX/25 ( Complain # XXXX ) Contacted client protection department of BofA at XXXX on XX/XX/25 at XXXX XXXX  pst and spoke to a representative name XXXX. 
I was informed by XXXX that my checking account is pending closure on XX/XX/25 and the closure date is subject to change because of a claim/dispute that is still open and my checking account is still frozen. 
Next I called BofA claims department at XXXX on XX/XX/25 at XXXX XXXX  pst and spoke to a claim 's representative XXXX. 
I inquire about claims that are still open. 
XXXX informed me that all 4 pending claims are closed and there are no open claims. 
Called back to BofA client protection department again on XX/XX/25 at XXXX XXXX  pst and talk to client protection department representative XXXX and I requested to speak with a supervisor. 
Supervisor XXXX came on to the phone at about XXXX XXXX  pst and I again inquire about the status of my checking account. 
I informed Supervisor XXXX that I just got off the phone with XXXX from the claims department and informed XXXX that all my claims are closed and for XXXX to call XXXX to verify the information. 
XXXX informed me that on his end there is still a open claim and because of that he informed me that the pending closure date for my checking account is XX/XX//25. 
Date of XX/XX/25 is subject to change because of the open claim and XXXX is unable to verify that the open claim is closed by the claims department. 
I am getting bounced back and forth with clients protection and claims department. 
No one at BofA especially the clients protection department is giving me a truthful answer for my inquiries about the status my checking account.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
SANTANDER is falsely reporting on my credit. I have never had any accounts with them. Per my research SANTANDER is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( Complaint # XXXX ) regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX  ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
XXXX XXXX is filing a formal complaint against Experian, Equifax, and TransUnion for reporting several unauthorized, inaccurate, and unverifiable accounts on her consumer credit report. XXXX asserts that she never applied for, opened, nor gave written consent for these accounts to be furnished or reported. 

Despite her lack of authorization, the following debt collectors have been reporting derogatory information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are impacting her credit score negatively and were reported without permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Additionally, the credit reporting agencies have failed to ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

XXXX has submitted disputes to all three credit bureaus requesting investigations, verification, and deletion under 15 U.S.C. 1681i, but seeks intervention due to the continued reporting and the lack of timely resolution or verifiable documentation.

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 2025-08-04 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: FL

Complaint narrative:
My information was stolen due to data breach. The following accounts are fraudulent. XXXX XXXX on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX  on XXXX and XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-04 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: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to 15 U.S. Code 1681a ( 4 ). There Is a need to insure that consumer reporting agenci exercise their grave responsibilities with faimess, impartiality, and a respect for the consumer privacy. The " Right To Privacy '' means the right to not have one 's personal matters disclosed or publicized.

Pursuant to 15 U.S. code 1681b ( 2 ). consumer reporting agency may only furnish a consumer report with the written instructions of consumer to who it relates. I declare that I am a " Consumer and I did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 usc 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy. These should all be removed from my consumer report pursuant to 15 usc 1681b ( 2 ). I demand that these transactions are removed from my consumer report immediaetly as they are a violation of my rights as a federally protected consumer under the title 15 chapter 7 1.XXXX XXXX Bankruptcy Case Number : XXXX Remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i want to complain about the credit bureaus reporting unverified and incorrect information which according tot he FCRA is a violation of my rights as a consumer. 

i have written several lettres trying to correct this information and they have not complied according to the laws put in place to protect me. 

the following names do not pertain to me and i would like of you could help me to correct this as my attempts have not been successful : correct name is XXXX XXXX, XXXX incorrect names reporting are : - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX also the address that keeps being reported is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, nj XXXX this also neds to be deleted as i do not live there nor have access to it mail. so this is a huge issue if mail is being sent there and my identity is at risk of being stolen. 

again i am asking for your help to resolve and correct this. thank you

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 2025-08-04 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: NV

Complaint narrative:
I was checking my credit report and found this that I don't recognize.

I am attaching a copy of my police report/FTC identity theft report.

FTC Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-04 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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