vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had fraud on my XXXX XXXX XXXX. They did issue me a provisional credit, but they will not bring my account balance to zero on the credit bureaus! 

Plus, they opened up a duplicate account, which shows no payment history, which makes no sense, which I believe is in violation of the fair credit reporting act. 

This is a XXXX predatory bank, and I dont wan na ever see anyone else go through what Ive gone through.

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 2025-04-16 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: PA

Complaint narrative:
I had fraud on my XXXX XXXX XXXX. They did issue me a provisional credit, but they will not bring my account balance to zero on the credit bureaus! 

Plus, they opened up a duplicate account, which shows no payment history, which makes no sense, which I believe is in violation of the fair credit reporting act. 

This is a subprime predatory bank, and I dont wan na ever see anyone else go through what Ive gone through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From the dates of XXXX XXXX until the present time of XX/XX/year> my credit report has been showing No Change I have tried to apply for recent credit, and they are saying that my Experian is not releasing the information. It is showing as a potential block. I do not have any blocks, freezes, or fraud alerts. I was able to speak to Experian 1 time, and they requested my identity information which was provided. I have not been able to contact Experian again because the automated system will not allow a live agent to get on the phone. I have been dealing with a non-working credit score for 6 months, and I have not been able to use it for anything. I need the proper help to be able to resolve this issue immediately.

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 2025-04-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am unable to use a Amex giftcard to make any online purchase. The info from the card I enter onto the website is correct, but each time I click to make the purchase, I get a error/message that there is something wrong with the card information and the transaction does not go through. 

There are many other complaints online about the Amex giftcard and how it gets declined via purchases online and in person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: MO

Complaint narrative:
I have sent multiple disputes about my accounts at TransUnion Experian and Equifax about identity theft. I've gone through their portals. I have sent written letters. I have called and nothing has happened over the past year. I've sent police reports and they still are reporting that these accounts are mine and I am late on them when the accounts actually have been charged off. But I keep getting my credit dinged because it's showing that I'm just late on these accounts. Within the past month I have sent new written letters explaining all of this and they still have done nothing.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a letter from BMO Bank Credit Card stating that my account was closed on XX/XX/XXXX. The letter stated that they could close my account at any time for any reason. They stated " We are unable to reconsider this decision ''. They stated that I had to continue to pay the monthly payments. I had a balance due of {$450.00} and used my rewards to pay the balance off. The reason for this complaint is that they can cancel our card ( We had a {$12000.00} Credit Limit ) for no reason. I'm left to assume it was because of my age ( XXXX ). We have NEVER been late since the account was opened in XXXX. The last time we used the card was in XX/XX/XXXX and have had the payments on autopay. By them cancelling my card it adversely affects my credit rating because it reduces my available by {$12000.00} thus increasing my amount of credit usage. These companies could care less about faithful customers, they only care about customers that they can XXXX with high interest rates and take advantage of them. If age is an issue we need to know why. We had to replace our garage last year and had to use our credit cards and we ended up with {$26000.00} in credit card debt but have never, never missed a payment. As stated the letter stated their decision was final and could not be reversed. This is absolutely unfair to any consumer. To add insult to injury BMO sent me an arbitration letter with updated policies. They have a nerve.

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 2025-04-16 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: GA

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 Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has continued to report inaccurate information across all 3 credit reporting companies, including inaccurate late payments, account status, balances etc in direct violation of the FCRA 1681s2 ( a ).

Also, this debt was charged off by the debt furnished and I was not provided a copy of the 1099C for reporting to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX XXXX XXXX  I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$2500.00} XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$2300.00}

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 non-monetary relief
Consumer complaint received 2025-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have seen in my credit background XXXX hard inquiry which is not mine. I never used credit card before and I was trying to open XXXX, they declined because of the XXXX hard inquiry. I wasnt using any credit cards before.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - XXXX Unknown - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal

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 2025-04-16 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: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the student loan ( s ) associated with my name and Social Security number, on the grounds of a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.

According to FERPA, educational institutions must obtain written consent from students before disclosing personally identifiable information ( PII ) from their education records to third parties, including lenders or loan servicers. Upon reviewing my records, I have reason to believe that such a disclosure occurred without my consent, which constitutes a violation of my FERPA rights.

Specifically : I did not authorize the release of my educational records to the lender/servicer associated with the loan ( s ) in question.

I was not made fully aware of the loan obligations being entered into, nor did I receive proper counseling or documentation at the time of origination.

If a parent, guardian, or other party signed or initiated the loan using my information without proper consent or without me being of legal age, this would further support my claim of improper and unauthorized action.

As a result of this violation, I am requesting : 1. An immediate investigation into the origination of the loan ( s ) and the method through which my information was obtained.

2. A full audit of any consent forms or documentation allegedly signed by me.

3. A suspension of any collection efforts while this matter is under review.

4. The removal or discharge of this debt if a FERPA violation is confirmed.

Please provide a written response detailing the outcome of your investigation, including any evidence you rely upon to assert the validity of the loan.

Thank you for your attention to this matter. I am prepared to escalate this issue to the U.S. Department of Education and seek legal recourse if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am currently leasing a XXXX XXXX XXXX XXXX  through Santander XXXX XXXX XXXX XXXX. I experienced temporary financial hardship due to being XXXX, which I communicated to Santander multiple times. I requested early termination of the lease and received several confirmed payoff amounts. XXXX, the originating dealer, offered a realized value of {$56000.00}, which exceeds the residual value on my lease. 

Despite providing this offer and following the process for early termination outlined in my lease agreement, Santander is now threatening to classify XXXXXXXX XXXX pickup of the vehicle as a repossession and further stated I would be responsible for any third-party towing fees. Nowhere in the contract does it state that third-party pickup constitutes repossession, and the lease clearly outlines the process for early termination ( Sections 1720 ) and realized value acceptance ( Section 20.A.3 ).

I previously submitted a formal written dispute requesting Santander honor the payoff offer and terminate the lease appropriately. They have ignored this and continue to misrepresent my legal obligations. I am not in default, have secured a valid payoff, and am acting in good faith.

These actions appear to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), as Santander or its servicing agents are : Making false representations about repossession status Threatening legal action not supported by the contract Attempting to collect fees ( towing ) not contractually owed I request that Santander : Acknowledge the
XXXX  payoff and complete lease termination per Section

20.A.3. Confirm in writing that this will not be classified as a repossession. Remove any threat of towing or third-party fees not disclosed in the lease. I am preparing to escalate this matter to the Florida Attorney General and retain legal representation. Supporting documents ( lease, payoff offers, and my previous letter to Santander ) can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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