vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-07-24 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: TX

Complaint narrative:
I am disputing a fraudulent collection account for {$310.00} from XXXX XXXX XXXX XXXX, originally from XXXX XXXXXXXX. This account was opened on XX/XX/scrub> 2025, and is now reported as derogatory. 

I did not authorize or open this account, and I believe it was opened using my personal information fraudulently. 

I have also identified multiple unauthorized hard inquiries on my credit report : XXXX  XXXX XXXX XXXX ( XX/XX/scrub>/2025 ) XXXX  XXXX ( XX/XX/year>2025 ) XXXX XXXX XXXX ( XX/XX/year>2025 ) XXXX XXXX XXXX XXXX XX/XX/year>2025 ) XXXX XXXX XXXX  ( XX/XX/year>2025 ) These inquiries and the collection account are the result of identity theft. 

I have attached my identity theft affidavit, supporting documentation, and dispute letters. I request that these items be deleted from my credit profile under the Fair Credit Reporting Act and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Dear CFPB, I am writing to file a complaint against a debt collection company that has contacted me in an attempt to collect a debt. I formally requested validation of the debt in writing, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), but the company has not provided the required documentation. 

Despite my request, they have continued to pursue collection efforts and/or reported the alleged debt to the credit bureaus without offering proof that the debt is legitimate or that I am legally obligated to pay it. This is a violation of my rights under the FDCPA. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the company to either provide proper validation or cease collection and remove any credit reporting related to this alleged debt. 

Thank you for your attention and support in helping to protect consumers from unfair and unlawful debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I have identified an unfamiliar account on my credit report that I did not open or authorize. This appears to be a case of fraud and is negatively impacting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to dispute an inaccurate late payment reflected on my credit report. I have consistently met my financial obligations without delay, and this record is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Equifax, Experian, and XXXX XXXX, as well as the furnisher ( s ) of inaccurate information on my credit report, have reported derogatory information on my credit report without my expressed written consent. In doing so, these entities have violated several sections of the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Family Educational Rights and Privacy Act of 1974, and other relevant federal statutes.

Summary of Violation : Lack of Written Consent ( 15 U.S.C. 1681b ) : I have not provided any written consent to have my information reported to Equifax, Experian, and XXXX XXXX. According to 15 U.S.C.

1681b ( a ) ( 2 ), consumer reporting agencies must have the consumers written consent to report their information. Additionally, I have not been notified of my right to opt-out, as required under 15 U.S.C.

6802. No opt-out notice was provided to me by Equifax, Experian, XXXX XXXX , or the furnisher ( s ) ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) of the inaccurate information. Therefore, their actions violate my right to privacy and confidentiality. 

Violation of Privacy Rights ( Privacy Act of 1974 ) : The disclosure of my personal information by these agencies, without my written consent, this also violates the Privacy Act of 1974 ( 5 U.S.C.

552a ). Both Equifax and Experian are obligated to protect my nonpublic personal information and can not share it with nonaffiliated third parties without my explicit consent.

Inaccurate Reporting of Adverse Information ( 15 U.S.C. 1681c ) : The reporting of adverse items on my credit report ( e.g., late payments, accounts in collections ) without my written consent ( ex : XX/XX/XXXX, XXXX XXXX XXXX reported late payment, this is an adverse action ) constitutes a violation of 15 U.S.C. 1681c. According to this statute, consumer reporting agencies must not report any adverse information that is more than seven years old ( nearly all XXXX accounts/reporting is seven years or older ), nor should they report any information that is inaccurate. This violation of the law has caused significant damage to my credit standing Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ) : Equifax and Experian have failed to maintain reasonable procedures to ensure that my credit report is accurate, as required by 15 U.S.C.

1681e ( b ). This lack of due diligence resulted in the continued reporting of incorrect information, despite my attempts to rectify the situation.

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 2025-07-24 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: TX

Complaint narrative:
Please accept this letter as my formal dispute regarding unauthorized hard inquiries that appear in my credit report. I did not initiate or authorize these inquiries.

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 2025-07-24 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: AZ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Once a pending payment was taken a call was placed. During said call, I was told I couldn't get anymore more information about the debt I owed. Also was informed I would have to call back to get the information I needed after payment was complete.

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 2025-07-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
Opened an account under the public offer ( terms attached ) - {$200.00} bonus paid in 5 business days after {$400.00} direct deposit and the account/card registration/activation. 
Account/card ready/activated ( confirmation attached ) on XX/XX/year> XXXX deposit received on XX/XX/year> ( confirmation attached ). 
No {$200.00} bonus paid in 5 business days per the terms as of today ( XXXX business day ).

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 2025-07-24 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2025-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After noticing fraudulent charges on an American Express prepaid gift card I had, I contacted American Express gift card services on XX/XX/year> to alert them and dispute the charges. They assigned me a case number and provided me with their dispute form to complete and return on XX/XX/year>. I completed the dispute form and returned via email ( as requested ) on XX/XX/year>. 

On XX/XX/year> they emailed me back and indicated my " dispute is declined '' with no additional information on reasons why my dispute had been declined. I reached out on XX/XX/year> to the email address provided to inquire about the reasons for the decline and ask about an appeals process. After several days of non-response, I called American Express gift card services to inquire. I spoke with several employees over the course of several days ( including supervisors and managers ) and they all stated they could not provide me with any further information and that there is not an appeals process. They encouraged me to seek reimbursement from the vendors in which there was fraudulent charges on my card. They told me that those purchases were " ineligible '' for reimbursement, but when I asked what determined eligibility they would not provide me an answer. Even a manager ( 3 levels above the initial call representative ) could not provide further information on what makes charge eligible and non-eligible for reimbursement.

After these inquires, I received another email on XX/XX/year> again indicating my dispute was declined but provided further explanation. This explanation seems to indicate that once the card is used, American Express treats it as if I have authorized any further use and therefore any charges after the initial charge are not eligible for reimbursement. 

As requested, I tried to seek reimbursement from the companies ( XXXX and XXXX ) that were fraudulent charges and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Exposing my information without my consent. Which for denials and rejection of loans and credit score drops and Also I can not get any approvals

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 2025-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Exposing my information without my consent. Which for denials and rejection of loans and credit score drops and Also I can not get any approvals

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 2025-07-24 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: PA

Complaint narrative:
Exposing my information without my consent. Which for denials and rejection of loans and credit score drops and Also I can not get any approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). 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 non-monetary relief
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
According to Cushman v Transunion 1997, CREDIT BUREAUS are supposed to ensure MAXIMUM POSSIBLE ACCURACY. THESE ACCOUNTS violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). PLEASE Delete 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 explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
According to Cushman v Transunion 1997, CREDIT BUREAUS are supposed to ensure MAXIMUM POSSIBLE ACCURACY. THESE ACCOUNTS violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). PLEASE Delete ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I deposited check # XXXX from XXXX in the amount of {$40000.00} on Thursday, XX/XX/year> at approximately XXXX, using the Bank of Amercia ATM located on XXXX XXXX XXXX XXXX XXXX TN # XXXX. The machine took my check but the machine malfunctioned, not showing credit for deposited check. I immediately contacted the number located on the machine ( XXXX ) to report my issue. I spoke with a representative from Texas that informed me the machine would be repaired and my check deposit would be credited to my account, I would also receive email notifications of the process status and be able to communicate the check number and/or any other information necessary. 
I have not received an email or any type of confirmation from BOA, Monday, XX/XX/year> I attempted to contact BOA again to inquire on the status of my deposit, the call volume was heavy and I was not allowed to hold for a representative. On my mobile app I was able to see there was a disputed process under review. On Wednesday, XX/XX/year> I contacted BOA again speaking with a representative from Florida that informed me they have up to 45 days to resolve my issue and I can review the status thru my mobile app and should not contact them.

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