vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I cashed my mother inlaw ssdi check thru the mobile check cashing. The check got cashed but XXXX  will not release the money ive contacted the numerous times. And all they tell is i have to wait. I did a claim with santander. I called alot of times, I went into the branch XXXX  times. i was told it will take XXXX business days and i should receive the money then my account got closed and they let withdraw my money i had in there after XXXX weeks a of contacting them.but the funds from the check they will not release. I deposited the check on XX/XX/year>. Now they are telling me that they are waiting for the treasury dept to take back the check. My mother inlaw contacted the XXXX  XXXX  and they told her they have not received anything from santander and now that the check has been in the account so long i need to deal with the bank. I dont know what to do. She really needs the money. It was for the amount of 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 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was approved for a PayPal card that can only be used online my limit was {$5000.00}. I kept the balance around {$1000.00} never missed a payment. I was using this card to work on my credit. Couple days ago I tried to use it to buy a book and it was declined I went to my account it now has my limit {$10.00} over my current balance making my card maxed out. I never got a phone call I never got a letter. I did everything I was told to do to build my credit. What took me months to do was destroyed in seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
The credit bureaus reported a data breach that allowed my credit info to be accessed.

Exquifax and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I for years have had a XXXX  charge off tied to my credit which has negatively impacted my credit and ability to get loans. The charge off has an address of XXXX MA in which I never lived or received notice of this due to it being in XXXX and I live in XXXX. I am requesting this charge off which I have tried to get removed on multiple occasions and they just say its verified and the XXXX XXXX XXXX in Massachusetts removed as well. This is in direct violation of my consumer rights and will seek legal action if not removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
File has been added to credit report, this account has been settled and paid off 2023. Inaccurate reporting has damaged credit. Please remove off all credit bureaus. 

Collection amount is {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This collection company is on my credit file and I have not received a letter saying what the debt is who its from and or how to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXXXXXX XXXX XXXX XXXXXXXX After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, 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 non-monetary relief
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXXXXXX XXXX XXXX XXXXXXXX After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, 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 2025-03-02 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexus furnished unverified information on my credit report without my written consent. Violating the Fair Credit Reporting Act 15 USC 1681 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
Please check the information concerning the Equifax, Experian and TransUnion data breach below in attachments

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 2025-03-02 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:
Please check the information concerning the Equifax, Experian and TransUnion data breach below in attachments

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 2025-03-02 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: IL

Complaint narrative:
Experian and TransUnion suffered a significant data breach when their systems were hacked, compromising sensitive consumer information. As a result, my personal data, including my name, Social Security number, and financial history, was exposed. This breach raises serious concerns about identity theft and may lead to lifelong issues with my credit rating and financial security. I am now facing the possibility of fraudulent accounts being opened in my name, which could take years to resolve and severely impact my ability to secure loans, credit cards, or even housing in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
Experian and TransUnion suffered a significant data breach when their systems were hacked, compromising sensitive consumer information. As a result, my personal data, including my name, Social Security number, and financial history, was exposed. This breach raises serious concerns about identity theft and may lead to lifelong issues with my credit rating and financial security. I am now facing the possibility of fraudulent accounts being opened in my name, which could take years to resolve and severely impact my ability to secure loans, credit cards, or even housing in the future.

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 2025-03-02 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: CA

Complaint narrative:
CFPB, I have disputed these accounts many of times though your portal. I have asked Transunion, to verify these accounts accuracy. Every single time they have came back verified which it's impossible to come back verified. If Transunion, verified this accounts as accurate. I need to see there method of verification on how they are reporting a collection with a past due balance on these accounts? If they can not provide this information. Please delete immediately. XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX Bank 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding an account that is being reported by XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the account be investigated and removed from my credit report with all three major credit bureaus. Background The account in question, which is listed as Charged-Off on my credit report, shows a balance of {$26000.00}, with a written-off amount of {$29000.00}. The last status update on this account was recorded in XX/XX/year>2023. However, I did not sign any contract or agreement with any related entity, including XXXX XXXX  and XXXX XXXX XXXX XXXX, and I have not authorized any of these entities to report an account in my name. Furthermore, I requested the full account number from XXXX XXXX XXXX, but I have not received a response or any verification of the account. Legal Violations I believe my rights have been violated under the Fair Credit Reporting Act, as outlined below : XXXX. 15 U.S.C. XXXX, Section XXXX ( A ) - Right to Privacy : Under this section, I have the right to privacy regarding my personal financial information. I did not provide authorization for the reporting of this account, and my privacy rights have been violated by the reporting entities. XXXX. 15 U.S.C. XXXX, Section XXXX ( A ) ( XXXX ) - Written Authorization : This section explicitly states that a consumer reporting agency can not furnish a consumers account information without their written instructions. I did not provide written consent to any of the parties involved ( XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX XXXX ) for the furnishing of this account, nor did I sign any contract with these agencies or companies. Request for Resolution As I did not sign any contract with any of the collection agencies involved, and I did not authorize the reporting of this account, I am requesting the following actions : XXXX. Immediate removal of the reported account from my credit files with all three credit bureaus ( XXXX, XXXX, and TransUnion ). XXXX. A full investigation into this matter by your office to ensure compliance with the Fair Credit Reporting Act and the removal of any inaccurate or unauthorized reporting. XXXX. A written response confirming the resolution of this issue. I respectfully request that this account be removed from all XXXX major credit reporting agencies, as this account has violated my rights! Please let me know if any additional information or documentation is required to assist with the investigation. Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
Personal information leaked in a data breach Account that are not mines XXXX leaked Bank accounts leaked

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 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a A personal credit card opened at XXXX on XX/XX/scrub> 2015 under the account number XXXX with a balance of {$11000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission equifax consistently responded in XXXX stating the account accurate without providing any evidence of a through investigation this practice violates the fair credit reporting act ( fcra ) 15 u.s.c XXXXi which mandates a reasonable investigation of disputes furthermore equifax actions may also contravene the consumer financial protection act ( capable ) XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ) as highlighted in the cfpb a recent administrative proceeding ( file no. XXXX ) against them for similar violations I request the cfpb take action to ensure equifax complies with federal law and provide consumer with the necessary proof of investigation

Company response to consumer: Closed with non-monetary relief