vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-01 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: MN

Complaint narrative:
I'm reaching out to formally request that you certify, without exception, that all data associated with this account belongs solely to me. This includes, but is not limited to, personal details, usage history, communications, uploaded files, and any metadata linked to my identity or activity. 

If you're unable to confirmclearly and completelythat every piece of information on this account is mine, I want this entire account permanently deleted. That includes erasing all stored data, backups, archives, and any third-party access permissions. No partial deletions. No exceptions.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to use my card in XXXX on XX/XX/XXXX and was having issues. When I returned back home on XX/XX/XXXX I tried to use it again for a car service and it wasnt working again. I called in May to rectify to problem after I wasnt able to access my online acct anymore. When I called I was told there was suspected fraud on the acct and was not able to have any further details because the information I was giving wasnt correct. ( Because the perpetrators had already changed me information ) they explained that I now needed to send in specific information to verify the acct and would be contacted if they needed addt information. After I sent the information I never heard back from Capital one. I called again in the next XXXX weeks and was told to send the information again. I explained what happened previously and they had no other help to give other than resending the information. I never received any correspondence from capital one going further. I called again after seeing my credit had tremendously dropped and I had negative marks on my report from capital one. They informed me that the accts had been closed and one was sent to collections. I was finally given app access because there were no Accts associated with it now that they had been closed. After opening the app I noticed that all of my information had been changed, address, phone number and email. I called back to inform capital one of this information and found out that all correspondence they had sent was to the fraudulent new address/email or phone number listed. Even though this was very apparent to me capital ones fraud department didnt catch it and continued to notify the fraudulent address until closure of the acct. I asked capital one if they were able to see when the address was updated and if it coordinated with the date they had suspected fraud on the acct. I also asked to have my accts restored as they were my longest standing open accts and Im trying to rebuild my credit. Capital one has still yet to contact me or rectify this problem. Im still not able to get certain information on the acct because of the fraud but they have still sent the acct to collections. I have reached out several times to try and escalate this with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-07-01 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a XXXX XXXX XXXX XXXX, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am an international student in the XXXX. I requested a refund for a canceled XXXX XXXX flight scheduled for XX/XX/2025, from XXXX to XXXX. I had paid for the flight using my Santander debit card. 

XXXX informed me that in order to process my refund of {$720.00}, I must provide a formal letter from my bank ( Santander ) confirming that the chargeback was reversed at the request of XXXX XXXX. 

Since XX/XX/2025, I have called Santander multiple times. Each time, I was promised that the letter would be sent, but it never was. I was also told to send follow-up emails, which I did multiple times, but received no reply at all. 

This delay has dragged on for over a month and has prevented me from recovering money I am clearly owed. As an international student, {$720.00} is a major burden. All I need is a simple confirmation letter Santander keeps promising but never delivers. This is deeply frustrating, unfair, and feels negligent. 

I am asking the CFPB to step in and require Santander to immediately provide the documentation confirming the reversal as requested by XXXX XXXX so that I can finally get my refund.

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 2025-07-01 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-01 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I HAVE SUBMITTED OVER XXXX DISPUTES FOR XXXX DIFFERENT FRAUD ACCOUNTS OPENED IN MY NAME FROM XXXX  XXXX, I HAVE CONTACTED XXXX  XXXX SEVERAL TIMES AND SPOKE TO THE FRAUD DEPARTMENT AND NOW I HAVE SPOKE THERE LEGAL TEAM AND TOLD THEM MY CONCERNS AND THEY KEEP STATING THERE AREN'T REPORTING THE ACCOUNTS TO ANY OF MY CREDIT REPORTS OR RISK REPORTS, XXXX  XXXX EVEN STATED TO THE CFPB IN A INVESTIGATION STATEMENT THERE AREN'T REPORTING THIS ACCOUNT TO ANY CREDIT BUREAU UNDER MY NAME OR SS NUMBER, BUT EVER XXXX DAYS ITS REPORTED BACK TO MY EQUIFAX CREDIT FILE. I HAVE SENT EQUIFAX DISPUTE TEAM POLICE REPORTS AND FTC IDENTITY THEFT REPORTS AND COURT RECORDS WERE I SUED XXXX  XXXX AND WON A LARGE JUDGEMENT AGAINST XXXX  XXXX AND A COURT ORDER FROM A FED JUDGE ORDERING XXXX  XXXX NOT TO REPORT ANY ACCOUNTS AND NAMED THE ACCOUNT NUMBER IN THE ORDER FROM CAPITAL XXXX OR THEY WILL BE FINED XXXX PER UNBLOCK. NOW EQUIFAX HAS ALL OF THIS AND STILL ALLOWS XXXX  XXXX TO REPORT AND MANIPULATED A TRADE LINE, XXXX  XXXX CHANGES THE AMOUNT OWED AND THE CREDIT LIMIT OR THE ACCOUNT NUMBER WHICH IS MANIPULATTION ON A TRADE LINE AND XXXX LINE FRAUD. BUT EQUIFAX KEEPS ALLOWING THESE ACCOUNTS TO BE REPORTED AGAIN AND AGAIN, NOW IT HAS STOPPED MY XXXX HOUSE PURCHASE AND NOW I WILL BE LOSING MY DOWNPAYMENT BECUASE OF XXXX  XXXX AND EQUIFAX, IF THIS ACCOUNT IS NOT REMOVED ASAP I WILL HAVE NO CHOICE TO FILE LEGAL ACTIONS AGAINST EQUIFAX AND AGAIN XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : XXXX XXXX XXXX XXXX XXXX - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX CRED ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2025 I deposited a check of {$870.00} when I hit the deposit button it showed me that it only alotted me XXXX of the check it did not give me a release date until the next day which was a week from then now I know that the bank has to verify the check but I have deposited the same amount through the same exact bank when I called my bank they told me that there was nothing they can do that the computer decides if it can be released or not and the people there can not override anything and they don't get notified if the checks get cleared. When I asked to speak to a manager they told me that the managers do not speak to the customers and in all other words that I should be glad I got the XXXX and just wait the week to get the rest of my funds in the end I didn't not know what else I could do but file a complaint with 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
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On or around XX/XX/year> I filed a dispute for a fraudulent transaction made by XXXX. The next day the dispute was denied, stating that it " fit my history '' even though I explained XXXX did not have access to my Paypal account. I appealed the decision and to this day have never received a response. Now they have locked me out of my account for unknown reasons and have changed the answers to my security questions and my password ( or their system is screwing up yet again for the XXXX time just this year ). I am trying to transfer my money to my bank so I can close my account and I can not because of this issue. I have even tried 2A verification and " answer some questions about you '' and all I get is a " we are having trouble. please try again later. '' I have tried contacting them but you have to call or login and since I have no phone ( stolen ) and when I use another number they say I have to be on my phone for verification or they send a code to the stolen phone, I am officially and literally locked out of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Auto Finance allowed fraudulent details including phone numbers to be added to my account ( thereby giving them access to my banking information and personal sensitive information ) without my authorization, on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

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 non-monetary relief
Consumer complaint received 2025-07-01 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:
Recently I looked at a copy of my credit report and noticed and several inaccuracies on my account. this account is hurting my ability to obtain credit.it is my understanding that you will investigate these item for me to ensure accuracy.here is the item I am asking you to verify as accurate : XXXX account { account name & number as your 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 explanation
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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