vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3600.00} XXXX  XXXX Bankruptcy XXXX XXXX CT IL XXXX XXXX XXXX Bankruptcy XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3600.00} XXXX  XXXX Bankruptcy XXXX XXXX CT IL XXXX XXXX XXXX Bankruptcy 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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an unauthorized account listed on my credit report that I did not open or consent to. I have never had any financial relationship with the creditor, and this fraudulent entry is damaging my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have received multiple emails regarding collection of debt. However, the debtor name contained in the email is not mine and I am unfamiliar with the company name. I am hesitant to reply to the email as it may be a scam.

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 2025-08-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-08-11 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: CA

Complaint narrative:
I am formally disputing a late payment that appears inaccurately on my credit report. According to my documentation, all payments were made on time and in full. This incorrect information is damaging my credit reputation and must be corrected.

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 2025-08-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of in
formation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains an account that I never authorized or opened. I have no relationship with the creditor reporting this account, and the information is false and damaging to my credit profile. This fraudulent entry must be corrected immediately to prevent further harm.

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 2025-08-11 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: WA

Complaint narrative:
Student loan servicer is reporting 90 day lates on my credit reports and I have never been late. I have attached a letter from the servicer stating that also. To this date the serviceer has still not corrected the 90 days lates and removed them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Student loan servicer is reporting 90 day lates on my credit reports and I have never been late. I have attached a letter from the servicer stating that also. To this date the serviceer has still not corrected the 90 days lates and removed them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  Date of Inquiry XX/XX/scrub> 2025, XXXX XXXXL Date of Inquiry XX/XX/year>2025, XXXX XXXX  Date of Inquiry XX/XX/year>2025, XXXX XXXX XXXX Date of Inquiry XXXX XXXX, 2025, XXXX XXXX  Date of Inquiry XX/XX/scrub> 2025, XXXX XXXX Date of Inquiry XX/XX/year>2025, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>2025, XXXX  Date of Inquiry XX/XX/year>2025 2025

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
The teller in the XXXX XXXX XXXX branch made a payment to my credit card instead of depositing it into my checking account. She was handed my debit card and told deposit into my main checking account. She repeated the request to verify what she was to do and was told yes. Once home I checked the receipt and realized she had made a mistake. This was money being deposited to cover a bill. That was XX/XX/year> XX/XX/year> I went into my local branch and spoke with a banker. She called to report a teller error to resolve it. At first we were transfer to credit card department. Once connected I was it was asked if I could go back to the branch that made the error. I answered no due to living far away from there and only using that location because of being out there handling business. I was handed the phone to verify myself and told that the transaction should be corrected within XXXX business days. I waited patiently due to it being a holiday week. The following Monday XX/XX/year> I went back into the bank. Both the XXXX and the banker began to call people. The XXXX called the XXXX XXXX XXXX branch to try to rectify the matter and the banker called called the credit card department. They proceeded to tell they would have to send me a check and that might take up to 10 days to receive. I stated what I was told on XXXX XXXX and was told again we will send check not reverse the transaction. I waited the XXXX days and received nothing. I went back up to the bank and banker reached back out to the credit card department only to be told they rejected the claim. She immediately asked to escalate the claim to fraud. I received a call from the fraud department which simply an introduction. He said he would touch base with me later. I have spoke to him twice since once for him to tell me I have to wait up to XXXX more days for a resolution. The fraud department decided to refund the credit card in full leaving me {$450.00} over limit. Because they overdrew my checking account the only funds available were the credit card funds for almost a month. I continued to put money in the checking account to make it less negative. When they did this it was down from {$530.00} negative to {$150.00} negative. This caused a ripple effect for all my accounts and unfortunately if they dont correct their bank teller error I remain paying the price and XXXX have to shut down my credit card account. It is XX/XX/year> and there is still no resolution.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am disputing a {$21000.00} collection reported by Southwest Recovery Services for alleged damages to a rental property. I moved out prior to the property being condemned by the city. The property management company billed me for these damages, but I deny responsibility. 

I sent a written validation request under FDCPA 809 ( b ), asking for inspection reports, dated photos, invoices, and any documentation linking me to the alleged damages. The company responded only with internal billing statements from the original creditor. They have not produced : A move-in condition report A move-out inspection report Dated photographs of damages Repair invoices/receipts Any proof that the damages were caused by me rather than pre-existing or due to the condemnation Without these documents, the debt can not be verified as mine. Continued reporting to the credit bureaus without proper validation violates FDCPA 809 ( b ) and FCRA 611 ( a ).

Requested Resolution : I request that this account be deleted from all credit reports unless the company can produce full and complete validation, including inspection reports, dated photographs, repair invoices, and documentation of my liability for the claimed damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Regarding Unauthorized Credit Inquiries Request for Investigation I am filing this complaint because my credit report contains multiple unauthorized inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ). I have an active fraud victim alert, and I never authorized the parties listed below to access my report. I have already disputed these directly with all three major credit bureaus, but they remain. 
Inquiries in Question : - 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 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 XXXXXXXX  Furthermore, under 15 U.S.C. 1681b ( a ) and 1681i ( a ) ( 1 ) ( A ), you are required to verify the permissible purpose of each inquiry by providing the original, signed written authorization I allegedly gave to each of the entities listed above. Anything less than a copy of the actual signed authorization will be deemed insufficient. If you can not provide this documentation within 30 days, you are required by federal law to remove the inquiry from my credit file immediately. Retention of unverifiable information after receipt of this notice will constitute willful noncompliance under 1681n and negligent noncompliance under 1681o, and I will seek all available legal remedies.

I am requesting that the CFPB investigate this matter and compel the credit bureaus to either provide proof of permissible purpose or delete these inquiries immediately. 
Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Regarding Unauthorized Credit Inquiries Request for Investigation I am filing this complaint because my credit report contains multiple unauthorized inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ). I have an active fraud victim alert, and I never authorized the parties listed below to access my report. I have already disputed these directly with all three major credit bureaus, but they remain. 
Inquiries in Question : - 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 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 XXXXXXXX  Furthermore, under 15 U.S.C. 1681b ( a ) and 1681i ( a ) ( 1 ) ( A ), you are required to verify the permissible purpose of each inquiry by providing the original, signed written authorization I allegedly gave to each of the entities listed above. Anything less than a copy of the actual signed authorization will be deemed insufficient. If you can not provide this documentation within 30 days, you are required by federal law to remove the inquiry from my credit file immediately. Retention of unverifiable information after receipt of this notice will constitute willful noncompliance under 1681n and negligent noncompliance under 1681o, and I will seek all available legal remedies.

I am requesting that the CFPB investigate this matter and compel the credit bureaus to either provide proof of permissible purpose or delete these inquiries immediately. 
Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : 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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In a CFPB consent order, Santander Consumer USA admitted to systemic failures in its credit reporting practices : SANTANDER THREATENED TO SUE ME AND SANTANDER CONSUMER USA RELEASE MY PERSONAL INFORMATION TO MY CURRENT AND FUTURE EMPLOYERS IN AIM TO GET ME UNEMPLOYED DUE TO THIS UNAUTHORIZED AND UNVERIFIABLE DEBT. UNDER FCRA LAW THIS IS HARASSMENT Furnishing inaccurate or internally inconsistent data to CRAs.Not promptly correcting or updating known errors. Failing to provide DOFD. Lacking reasonable written reporting policies.

SANTANDER HAS AN established track record that strengthens claims of the FCRA and CFPB violations they have committed against me. Santander has threatened me and has knowingly realease my infomation on this unauthorized account to an employer because the employer hasnot only told me... but mentioned to tell the Consumer Protection Bureau because that was a new experience for them as well.hat violates 15 U.S.C. 1681b ( b ) ( 2 ) ( A ) ( i ), which mandates that a clear and conspicuous disclosure must be included in a standalone document before obtaining a consumer report for employment purposes. Santander has furnished an unauthorized and fraudulent account without my knowledge, violating numerous provisions of the FCRAincluding 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ) along with Regulation V and CFPB UDAAP standards. Relevant case law such as TRW Inc. v. Andrews clarifies the statute of limitations, and though Santander has argued non-liability under FDCPA in XXXX, FCRA violations remain actionable. Im also pursuing remedies under state UDAP/UDAAP statutes via my state attorney general.

FCRA Violations ( 15 U.S.C. 1681 et seq. ) Santanders reporting of an unauthorized account without MY knowledge violates the following : 1681e ( b ) Fails to ensure maximum possible accuracy in credit reporting. 
XXXX XXXX ( a ) ( XXXX ) ( A ) Furnisher knowingly reports inaccurate information. 
XXXX XXXX ( b ) Fails to correct or delete unverifiable information after dispute. 
XXXX XXXX. Additional potentially applicable sections might include : 1681i Procedures upon dispute by the consumer.

1681j Reinvestigation of old items.

1681k Notice of consumer rights provided.

1681n Willful non-compliance damages.

1681o Negligent non-compliance remedies.

1681s-2 ( c ) Notices of address discrepancies.

ALSO SANTANDER IS REPORTING BEYOND THE ALLOW LIMIT ALLOWED BY FCRA LAW : LIMIT : 2 YEARS AGED OF DELINQENCY OF UNAUTHORIZED AUTO DEBT : 6 YEARS

Company response to consumer: Closed with non-monetary relief