vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted an opt-out letter to all credit reporting agencies and XXXX on XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a Collection opened in XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported. 

Attached : Copy of opt-out letter, credit report excerpt, FTC fraud report, FTC notice to furnishers, proof of address, removal letter and proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted an opt-out letter to all credit reporting agencies and XXXX on XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a Collection opened in XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported. 

Attached : Copy of opt-out letter, credit report excerpt, FTC fraud report, FTC notice to furnishers, proof of address, removal letter and proof of identity.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I

n accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the
consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. S
tates I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-19 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: NC

Complaint narrative:
Filed dispute with Transunion, XXXX XXXX XXXX XXXX  XX/XX/year>. 
No results are follows from either information reporting companies. 
CFPB sen notice stating that I have 60 days to reply. Closing date XX/XX/year>. On XX/XX/year> I was unable to reply due to CFBP has closed case 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 2025-06-19 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: WI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXXredit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX I purchased a XXXX  from XXXX XXXX for {$13000.00} online from their website. They are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX the package was delivered by XXXX. I signed for the box and went inside to open it, I noticed the security strip was tampered with. I opened the package and the contents were missing. I immediately contacted XXXX, they advised me the merchant has to submit a claim not myself. I contacted XXXX at XXXX XXXX immediately and sent her all the photographs she requested including different angles etc. XXXX told me she filed a police report, a claim with XXXX, and a claim with their insurance company. I have not received a necklace or my money so I disputed the charge with American Express. XXXX is denying any responsibility and American Express isnt giving me my money back. I was scammed by magnolia jewelers and this is fraud. I filed a complaint with the XXXX of XXXX, the XXXX state attorney generals office, the XXXX state governers office, the office of the president of the United States of America, the XXXX mayors office, the FTC. I want justice from XXXX XXXX and American Express. I want my money back, I will not pay for something I didnt Receive. I dont want to have to file XXXX because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
An unauthorized ACH withdrawal was made from our XXXX XXXX business checking account. We have confirmed with XXXX XXXX that the transaction originated from Fifth Third Bank and was processed as a XXXX XXXX XXXX XXXXansaction. We never authorized this payment and have no business relationship with the recipient. Fifth Third Bank has not yet responded to our request for investigation or refund. 

Details of the Incident : Date of Transaction : XX/XX/year> Amount : {$760.00} Description : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Debited : XXXX XXXX business account ending in XXXX Claim # with XXXX XXXX : XXXX After noticing the suspicious transaction, we called the phone number listed in the transaction memo and reached someone claiming to be from " National Retail. '' They stated they had no record of this charge and advised us to contact our bank. 

We filed a dispute with XXXX XXXX, who completed their investigation and sent us a letter stating the transaction was a CCD/CTX ( Cash Concentration or Disbursement/Corporate Trade Exchange ) and that the originating bank was Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXXredit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a freeze on my file due to a security leak and ID theft on my XXXXXXXX XXXX account. My Current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2025-06-19 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XX/XX/XXXX my credit score went down by XXXX points because of the credit bureau investigation to correct a notification that Santander put in that indicated I was 30 days late in payment on my overdraft line of credit. However, the problem started with how they handled closing out my bank relationship. In XX/XX/XXXX, I called to close my checking accounts which were linked to the Overdraft Line of credit accounts, and asked for them to reverse the fees that were charged to inactivity. The rep was able to reverse some but not all and was going to investigate and have them reversed. This was not done, so I put in a dispute to have the fees reversed. I checked in on the status every Friday and it took them over 30 days to make a decision, which they denied my request to reverse the fees. I contacted the branch and since I did not have checking accounts, I did not know how to make these payments.I went to the branch to pay them off, and each time interest accrued and delayed the account closures. At this time all the accounts are closed and paid off, but they still did not revere the negative impact on my credit report causing the major decline in score. I reached out to them. I spoke to XXXX at the Rhode Island call center and she was certain this was going to be taken care of with her putting in the request. I called again on XX/XX/XXXX and I spoke with a XXXX who could not comprehend and did not know who to speak with. Most at this branch do not speak English and are from Spanish countries and do not know what a credit report or score is, so it is impossible to get assistanceXXXX XXXX  put another dispute in ref XXXX and previous report that had the negative decision was XXXX. They told me to reach out to CFPB for a better resolution due to Santander 's incompetence. The Bank went down hill started not providing services and most closed their accounts. I just want my credit report to be rectified so I can be able to open credit cards to pay off high balance cards. Please help!

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 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper/Lakeview provided an annual assessment in XX/XX/year> as scheduled. On that assessment it included an insurance renewal with the then current carrier in the amount of +/- {$2400.00}. I was in the process of shopping the insurance renewal premium and missed the assessment adjustment period. I solidified the new policy renewal/carrier which provided annual coverage in the amount of +/- {$1800.00}. The current carrier had already been paid, and once the new carrier sent over coverage, that was refunded and new carrier was paid. I was not aware that I could request a new/updated assessment ( using the lower priced insurance policy ) and therefore paid the amount due, based on the higher premium. 
The servicing of this loan moved to XXXXXXXX XXXX  effective XX/XX/year>. 

{$2400.00} / 12 = XXXX XXXX  monthly {$1800.00} / 12 = XXXX XXXX  monthly $ XXXX monthly difference For the period of XX/XX/year> through XX/XX/year> we paid $ 200 monthly = {$1400.00} but yet only owed {$1000.00}. 
I have contacted XXXXXXXX XXXX and they stated that there were no extra funds transferred with the loan. My efforts to contact Mr. Cooper/Lakeview via phone have failed, the automated system does not recognize the loan number as active. I have sent in three inquiries via the contact portal and every time they send me a goodbye letter telling me that the load has been transferred to XXXXXXXX XXXX 

I need to know what happened to the unapplied funds of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief