vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I opened a new savings account with XXXX. The account creation process went smoothly. Immediately after, I attempted to add funds via my XXXX XXXX XXXX, which was rejected for unknown reasons. Then I tried using my XXXX XXXX XXXXXXXX XXXX bank account, which was also rejected. 

At this point I called the bank to ask what was going wrong, and after a while, the agent said that they would need to look into the issue. However, by that point, I was able to successfully fund the Openbank savings account via a wire transfer through XXXX XXXX  for {$200000.00}. However, at this point the account was marked as blocked. When I called back and asked why, they informed me that the account was under security review, but they would neither connect me to the review department nor tell me why the account was under review. They informed me it would take up to XXXX  days to complete the review. 

This is utterly unacceptable. XXXX XXXX  resolves security reviews in a matter of hours, not XXXX  days. I want Openbank to immediately close my account and mail me a check for the money I wired, which they were happy to accept. They have provided no information whatsoever about their reasoning, and XXXX  days to wait is insanity for a banking product.

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 2025-10-31 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: VA

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The amount on this account is wrong XXXX XXXX XXXX XXXX. Its reporting as {$1600.00} and should be reporting as {$280.00}.

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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Refuses to stop all communication and negative remarks.

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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 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: MI

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding several unauthorized credit inquiries that appear on my Equifax credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report to entities that have a permissible purpose and with the consumers consent.

I have not applied for credit or authorized any of the following inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries are inaccurate and were not initiated or authorized by me. I am requesting that the CFPB investigate these entries and ensure that Equifax deletes any inquiry that can not be verified as authorized, as required under 15 U.S.C. 1681i.

Additionally, I request that the furnishers of these inquiries provide written proof of my authorization as required under 15 U.S.C. 1681s-2 ( a ).

Please provide me with written confirmation once this matter has been investigated and resolved.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Date : XX/XX/year> Amount : {$350.00} Company : Huntington Bank I made a purchase for {$350.00} USD at a duty-free store in XXXX XXXX XXXX XXXX XXXX, for a XXXX  bottle. However, the packaging of the bottle was damaged, and I immediately returned it before leaving the airport. The store staff informed me that a full refund would be issued back to my original payment method ( my Huntington Bank card ). 
It has now been over XXXX months, and I still have not received the refund. I contacted the airport customer service, but they said they could not locate any transaction details and advised me to contact the store directly. I have since tried calling the store multiple times, but they are not responding or assisting with the matter. 
I am requesting assistance from the bank to investigate this transaction and process the refund, as I returned the product and have not received any reimbursement for the {$350.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing a collection account from Midland Credit Management that is being reported on my XXXX  credit report for {$1800.00}. The original creditor is listed as XXXX XXXX XXXX XXXXXXXX. 

I do not owe this debt it does not belong to me. I never had an account with XXXXXXXX XXXX XXXX XXXXXXXX. for this amount, and I have not received any documentation from Midland Credit Management proving that I am responsible for it.

I requested validation of the debt, including proof of the original account, signed agreement, and payment history, but the company has not provided this information. Despite this, they continue to report the collection account, which is damaging my credit.

I am requesting that the CFPB investigate this matter and that Midland Credit Management remove this inaccurate account from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Dear Experian, I respectfully request your assistance in reviewing and reinvestigating the following accounts that I believe contain inaccurate or unverifiable information. I am simply a consumer seeking fairness and accuracy under the FCRA. I ask that each item be verified directly with the original creditor, and that any unverified data be deleted or corrected to reflect accurate reporting. 

Charged Off Accounts in Dispute : XXXX XXXX XXXX XXXX Acct No. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct XXXX. XXXX Date : XX/XX/XXXX Balance : {$350.00} XXXX XXXX Acct No. XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX XXXX Acct No. XXXX Date : XX/XX/XXXX Balance : {$280.00} XXXX  XXXX Acct No. XXXX Date : XX/XX/XXXX Balance : {$150.00} XXXX Acct XXXX. XXXX Date : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Acct XXXX. XXXX Date : XX/XX/XXXX Balance : {$22000.00} Late Payment Accounts in Dispute : XXXX XXXX Acct No. XXXX XXXX  XXXX Acct No. XXXX XXXX  XXXX Acct No. XXXX XXXX Acct XXXX. XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX Acct No. 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 2025-10-31 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Ive provided nothing but overwhelming proof to dispute my claim but XXXX is claiming that their investigation finds nothing even though I gave them more than enough evidence. Ive been waiting on a refund from XXXX for over XXXX weeks and finally decided to dispute just for XXXX to close the dispute within 2 days and deny my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
I am writing to formally dispute certain items on my credit report, as I believe they may contain inaccurate or outdated information. I have reviewed my credit report and found the following discrepancies : 1. Collection Account ( s ) o Account Name/Creditor : [ Name of the creditor or collection agency ] o Account Number : [ Account number ] o Nature of Discrepancy : I believe this account was reported incorrectly or the debt is no longer valid. Please provide documentation verifying the validity of this debt and confirm that this item accurately reflects my payment history.

2. Inquiries o Inquiry Date ( s ) : [ List of inquiry dates from your report ] o Nature of Discrepancy : These inquiries are not associated with any new credit accounts or positive payment histories, and I request verification of the legitimacy of these inquiries and their link to my credit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXXXXXX 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 2025-10-31 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 received a Copy of my credit report and find the following Account on my TransUnion, Equifax and Experian unfamiliar i have explained the discrepancies of the line of credit from XXXX XXXX XXXX XXXX reported on my TransUnion, Equifax and Experian credit report with a XXXX limit of {$300.00} and an reported balance of {$390.00} I never applied for this debt and someone use my information to equip this debt onto my credit report and cant file an identity theft report because The FTC is closed due to the lapse in funding. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), 1 request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I received a Copy of my credit report and find the following Account on my TransUnion, Equifax and Experian unfamiliar i have explained the discrepancies of the line of credit from XXXX XXXX XXXX XXXX reported on my TransUnion, Equifax and Experian credit report with a XXXX limit of {$300.00} and an reported balance of {$390.00} I never applied for this debt and someone use my information to equip this debt onto my credit report and cant file an identity theft report because The FTC is closed due to the lapse in funding. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), 1 request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this Matter.

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 2025-10-31 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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 respectfully ask for your assistance in re-investigating the following items on my credit file. I am not disputing for any unfair reason I simply want my record to reflect only verified and accurate information, as guaranteed under the FCRA 607 ( b ) and 611.

Charged-Off Accounts in Question : XXXX XXXX XXXX , Acct. # XXXX Reported XX/XX/XXXX | Balance {$990.00} XXXX XXXX, Acct. # XXXX Reported XX/XX/XXXX | Balance {$450.00} XXXX XXXX, Acct. # XXXX Reported XX/XX/XXXX | Balance {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-31 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: NJ

Complaint narrative:
I hope this message finds you well. I am writing as a consumer simply trying to correct and update my credit report. Upon reviewing my file, I noticed a few entries that appear to contain errors or incomplete data. 

Charged-Off Account : XXXX, # XXXX, reported XX/XX/year>, {$0.00} balance Late Payments for Review : XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I jave an income statement from XXXX that my XXXX is almost equal to half of the payment for.the XXXX XXXX. Also the dealer took XXXX down payment and didnt post it as a.payment towards the total price of the CAR keeping the.price of the car XXXX dollars higher than it should have been. This is clearly predatpry lending practices

Company response to consumer: Closed with explanation